davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-27
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC. (CO)

Midland Credit Management sued me without ever sending me a letter to my current address with notice that I could dispute this debt. A default was entered fraudulently due to a motion for extension of time that Midland did not notify the Court was being filed. I am now waiting for my court hearing on a motion to set aside judgment. This debt was a SECURED account that I received years ago after foreclosure and bankruptcy, and I told the original creditor to apply the security deposit and close the account. The original creditor subsequently sold this debt to various debt buyers, and it ended up with Midland. The address on the Summons was an old address, and Midland did not bother to have their process server give them the new address and send me the required advance notice. They have sued me for hundreds above the credit limit. I asked twice for the contract and statements and I have been ignored by their attorney. It remains to be seen if the Court will overturn the judgment and give me time to answer. If they do not have the original documentation, then they came to court fraudulently.
Consumer complaint received 2021-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (AR)

XXXX is reporting the account with COMENITYBANK/VICTORIA inaccurately on my report. Upon reviewing my credit report I did not recognize this account. I initially sent a request for XXXX to validate the account, and send proof such as a copy of a signed agreement or any other documentation to validate the information being reported was indeed mine or correct. After 4 different attempts they have failed to provide me proof of this account. I have disputed this information four times on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, and have given them warning that if it could not be validated, to remove it from my report or i would be filing a formal complaint.
Consumer complaint received 2022-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Motolease, LLC (NV)

Motoleasee has reported invalid information to my credit report. I have contacted them that they reopened a close account last year in XXXX and reported more than 7 payments late. The Motoleasee account has been closed since XXXX because my motorcycle was repossessed. I have disputed it many times with XXXX XXXX  and finally they closed the account XX/XX/XXXX and the very next day they opened the account again. That the account is verified as open. This is inaccurate and have contacted Motoleasee as they told me they wont close the account now until I make a payment arrangement with them and that they will delete all those late payments inaccurately reported to my XXXX report only if I start making payments. Motoleasee has been closed on my account for 6 years and should be no reason why that account was reopened. It still shows as closed on my other credit reports. Not only that.. when I spoke to them my balance is not correct either showing I owe more than what I was told. I dont think its right that they reopened a close account and they should not be able to report late payments to anything when I never agreed to anything.
Consumer complaint received 2019-06-03
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Nationwide Intermediary Services llc (WA)

On XX/XX/2019, they called and left me a voicemail stating that they are " XXXX  calling regarding your scheduled delivery for tomorrow between the hours of XXXX and XXXX. Press one if you need to reschedule or have any further questions regarding the delivery or contact our office at XXXX. Thank you '' They are pretending to be a company they are not, providing a service they are not. When I called asking about who they were and what they were talking about they told me they are XXXX XXXX. When I asked why they would leave a voicemail saying they had a delivery for me, the woman got very defensive and nasty.
Consumer complaint received 2018-02-27
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation (FL)

I had a problem with mistakes made on my escrow assessment for next year. After finding all the mistakes I contacted my mortgage company.in XXXX of XXXX.After talking to three different agents I was finallly able to resovlve the mistakes. 

I was told by the last agent that the corrections would be reflected on my XX/XX/2018 statement. The corrections were made but they didn't make the adjustment on my monthly payment. 

Most recently I talked to an agent on XXXX to inquire about not receiving my monthly statement. She informed me they would be in the mail by end of the week.I told her that was not sufficent time to make my payment which due XXXX XXXX. All she could say was she was sorry. I ask to talk to her supervisor. She informed me he would have to call me back in an hour. I neverreceived a cal until five hours later. 

After explaning everything to the supervisor he said he had to get with the escrow people and would call me back XXXX XXXX. After waiting all day I did not receieve a retyrn call On Monday XXXX I calledmy mortgage company again. After waiting for a half hour I finally was connected with an agent. After asking him why the supervisor didn't call me he informed me they were very busy. I asked to talk to his supervisor and he said there wasn't one on duty. 

I asked the same agent if they were going to extend my grace period because I hadn't receieved my statement yet. He informed me I did receieve oline. I told him I did not sign up for paperless billing. He once again told me I did receieve my staement online. I once again told him it was not proper because I didn't sign up for paperless billing. 

Eventually the agent hung up on me. I have not received a return call from the supervisor and still haven't received my monthly statement
Consumer complaint received 2021-05-25
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Resurgent Capital Services L.P. (CA)

I Feel this account is causing me thousands of dollars in interest every year. I have tried to fix the issue with the XXXX XXXX XXXX, with the actual company and XXXX, XXXX and XXXX as well. I have yet to receive any confirmation that my account has been removed from my credit report so I chose to cease and desist, affidavit and certified mailed and green return post to confirm that my mail has been received. This is my final attempt to seek remedy of my consumer violations under the Fair Credit Reporting Act 15 USC 1681 and as well as the Fair Debt Collection Practice Act 15 USC 1692
Consumer complaint received 2024-03-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP (NV)

XX/XX/year> I deposited XXXX at Us bank into mt checking account the bank didnt deposit my funds and said it was a merchant error .I went to the teller immediately and filed a claim but I am expecting hardship and need me money now.
Consumer complaint received 2022-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

I am trying to temporarily remove a freeze I have on my credit report through Equifax. Unfortunately, an important line of credit I am trying to open will be using the report made by Equifax, and their service has repeatedly been down and I am unable to use my credit. I have been able to unfreeze from the other XXXX major credit bureaus but this one has repeatedly been unhelpful and takes my credit hostage.
Consumer complaint received 2017-12-22
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: Bread Financial Holdings, Inc. (CA)

I was contacted by XXXX on XXXX/XXXX/XXXX concerning charges that they identified as potentially fraudulent in the amounts of {$59.00} and {$400.00} and I confirmed that these were, in fact, fraudulent. They closed the account and I thought that would be the end of it. A couple of weeks later I went in to find that the charges were in fact still there and I was told that I needed to contact the fraud department to get them removed. I did this twice -- only after the second time did they send me the necessary paperwork to remove these charges. I returned the paperwork and checked back a week later to find that not only have the charges not been credited but that they had erroneously CHARGED me for the amount that should have been credited. Additionally, the date of the charge had been backdated as this had n't been processed until at least the second week of XXXX but the charge was datedXX/XX/XXXX. This left me now with an outstanding balance of {$910.00} -- double the amount of the original fraud -- with the second charge having a fraudulent date of XX/XX/XXXX entered by XXXX XXXX. 

I discovered the error on Monday, XX/XX/XXXX and called and after speaking to three people on that call was told that the matter would be resolved immediately and I should see the charges gone by the next day. It is now Friday, four business days later and it is still not resolved. When I called, it appeared that it was n't resolved on Monday and that I needed to speak to the fraud department again. At this point, I have spent close to 4 hours not only attempting to resolve the original fraudulent charges but also the erroneous and fraudulently dated double charge from XXXX. At the time that I am writing this, the issue has not yet been resolved. 

There has been no good faith effort on their part to resolve the issue and if I were n't someone who frequently checks their accounts, this easily could have resulted in additional penalties. While I understand that errors do occur, their lack of effort regarding resolving the issue that they created is my primary complaint. I have had other cards fraudulently charged and the issue remedied in 24 hours. We have now gone over a month and not only has n't the original problem been solved but I was then fraudulently charged ( not just in error as it was also falsely backdated ). I was told today that this should now be resolved and I will check again next week but wanted to ensure in the meantime that a ) no one else would have to go through this, b ) be refunded the full amount of my annual fee of {$150.00}, and c ) receive payment from XXXX in the amount of {$380.00} ( my billable rate of $ XXXXhr x 4.5 hours the time spent resolving this ) at MINIMUM.
Consumer complaint received 2021-05-25
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (TN)

Navient is the lender handling 2 of my private student loans after they were sold by Sallie Mae. I have been with this lender since XXXX, much to my disliking. Navient has routinely changed my loan terms, payment terms, and enrollment status without any written notification. Most recently, my payment for XX/XX/XXXX went from {$20.00} and change to roughly {$130.00} without any notice. I am currently enrolled in graduate school and have relied on budgeting to maintain my expenses. I did not account for a {$110.00} hike in my payment this month and this is not the first time they have done this. They have also completely skipped taking my automatic payments, without any explanation with can also change my loan terms. How can they decide that one month a payment isn't needed and another that it should be {$130.00}? 
I don't understand how a company can make these changes without directly informing the consumer, especially when that person is in school. How they can take my payments and not appropriately address them to principal & interest and how they are able to " extend '' out loan repayment terms. Another loan I have with them has ebbed at the $ XXXX mark, it's principal amount, and still shows that at {$25.00} a month it will be paid off by XXXX. This is almost like borrowing from a loan shark. Please look into them.
Consumer complaint received 2019-06-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (TX)

THE COMPANY IS AN ENTITY i HAVE REPEATEDLY CONTACTED TO VERIFY CHARGES. THEY CAN NOT PROVIDE ANY DOCUMENTATION BETWEEN MYSELF AND THEIR COMPANY. I NEED THIS REPEATED NEGATIVE MARK OFF MY CREDIT REPORT
Consumer complaint received 2021-05-25
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

To whom it may concern, on XX/XX/2021 I attempted to pay my credit card bill at the bank of America atm located at XXXX XXXX XXXX XXXX, XXXX, NC XXXX. I inserted 30 XXXX XXXX XXXX bills totaling {$300.00}. The atm machine stated that we apologize for the inconvenience we are unable to process your request & unable to return items. Since then, only {$180.00} has been credited to my account which isnt nearly what I deposited. There is a camera at that atm machine. The footage needs to be pulled along with the bank logs. I have been unable to make an appt at the branch or get in contact with anyone. This has gone on far too long. I have filed a complaint with theXX/XX/XXXX & intend on filing one with the CFPB. Since being a customer, I have never made a payment that minimum. We are in a pandemic and those funds can go towards me taking care of my family. Your financial institution has become negligent and simply have ignored my concerns. This situation needs to be rectified immediately. I have wasted countless hours contacting BOA to no avail of them fixing this issue. Please advise next course of action. Please find attached atm screenshot and transaction ticket from atm.
Consumer complaint received 2019-08-19
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (GA)

I open an Macy account for a credit limit of XXXX never received my first statement so they waved the late fee upon receiving a letter today they deceased credit limit to a $XXXX which is why I’m filing a complaint because at the time of me applying my fico   was ok  I only agree to keep the account going was because of the limit I free trick and played this should have never happen  XX/XX/2019
Consumer complaint received 2021-05-25
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: Bread Financial Holdings, Inc. (GA)

This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.
Consumer complaint received 2021-05-20
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: DISCOVER BANK (CA)

Last year I found a false account with Discover reporting on my file because of identity theft. I contacted the credit bureaus about it and they told me to file a dispute and a identity theft report with the Federal Trade commission. I submitted the dispute a the report but Discover denied the claim. This is not my debt. I have been cooperative with everything asked of me to dispute but Discover refuses to stop reporting. Please investigate and help me resolve this issue. There is no way I willing to pay a debt that is not mine.
Consumer complaint received 2024-03-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (NJ)

This debt collector engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnish this account that we didnt agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it, more so they didnt follow the proper 5 step validation procedure which makes this unfair practices. According to FDCPA Im entitled to {$1000.00} per violation and clearly they violated my rights.
Consumer complaint received 2021-09-08
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: Experian Information Solutions Inc. (NY)

I am the victim of what appears to be an illegal scheme by alleged creditors to " park '' inaccurate adverse credit history items on my personal credit reports, as maintained by XXXX, Experian XXXX XXXX, to extort payments not due and owing from me personally. 

The entities improperly reporting to the Credit Agencies, falsely claiming to be my personal creditors are : 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX ( aka XXXX XXXX XXXX ) 3. XXXX XXXX I have records disputing these inaccurate disclosures ( letters to XXXX, XXXX XXXX Experian ) dating back to XX/XX/XXXX. 

Despite the CRA 's typically removing the inaccurate adverse information after my repeated complaints and disputes, the named creditors continue to find improper ways to report this misinformation again - most recently in XXXX and XXXX, now reporting accounts that were closed in XXXX and newly opened in XXXX & XXXX, and now reposted as delinquent collection, not charge-offs. 

I have demanded under FCRA Section 609 that these " creditors '' provide substantiation of their claimed debt, but they refucse or ignore such demands. 

The CRA 's continually close my dispute with a letter stating they have concluded their investigation, and that I may provide a written statement - BUT this does not correct their reporting error. In fact, I have provided the CRA 's with written letters I have received from these creditors stating their XXXX & XXXX claims are actually beyond the New York statute of limitations collectability dates, but refusing to remove their adverse information unless I pay what are mostly closed corporate debts ( incurred and previously paid by corporate entities ), that I am not personally liable for.
Consumer complaint received 2018-02-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

There is no way I can pay this bill off when every time I make a payment they turn around and charge outrageous interest charges. My bill payment fluctuates from month to month, so I never know what I will have to pay until I get notice through my statement. I have never missed a payment and it's a complete struggle to make these payments and never get ahead, There have even been times when I've made the requested payment and then, after receiving my payment they will charge so much interest that it takes my account over the limit. Outrageous.
Consumer complaint received 2020-10-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY (NY)

I have an account with TD bank. There is no funds available in my account. Yet TD Bank keep charging my account and charging me fees for them charging my account to pay bills. I told them I did not authorize the payments so the charges are fraudulent. They refuse to remove the charges and now are asking me to pay XXXX dollars in fees. I asked the bank to close my account and they refuse. Now they are harassing me and calling me everyday at least 6 times a day and leaving voicemails.
Consumer complaint received 2020-11-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (AL)

I moved out of my home on XX/XX/XXXX. I had given my apartment lease a 60 day notice in wroting on XX/XX/XXXX and paid a {$2500.00} cancelation fee since I had to break my lease early. I had continued to pay my rent and utilities as well as my pet deposit for XXXX, XXXX, and XXXX. I was told there would be a walk through inspection with me 30 days prior to me vacating in an attempt to correct any issues so I wouldn't be charged. That walk through never occurred. I received an email on XX/XX/XXXX saying that I owed an a surf amount of over {$2300.00} dollars. I immediately called and emailed to have someone explain the letter but to no avail, it was never done. On the letter it stated I had 21 days to pay the amount and I could do so through the portal I paid my rent through. That portal was not available to me anymore. I emailed and called multiple times from XXXX until I reached out to an attorney on XXXX. They sent my account to collections on XXXX XXXX I received a phone call and letter from collection agency on XX/XX/XXXX. Which I disputed. I did not hear or receive any more notifications or calls from either the apartment or the collection agency. I then received a call on XX/XX/XXXX from the collection agency once again stating they were trying to collect a debt. I told them I had already disputed this in XXXX and that I did not owe that debt. They thought someone had sent out some new letter stating that dispute was resolved. I never received any notifications. The apartment complex did not have a corporate phone number but they did have an email that I also wrote too but never received a response from.either. 
All I was sent was a piece of paper that had charges on it that were not correct and it didn't itemize what was being charged and why in detail. The collection agency failed to respond within 45 days of my dispute as well.
Consumer complaint received 2021-01-04
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: EQUIFAX, INC. (NY)

I was reviewing my credit report and noticed some un authorized accounts being reported and are extremely hindering. I have contacted the company over 30 days ago and still haven't gotten a solution, nor have I gotten a response. That is very unprofessional and it isn't fair that I have so go through this for something I didn't do. To verify, I submitted a photo of myself holding my ID and a proof of address as well. Please review, verify and remove these negative items from my credit report ASAP.