davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-11-03
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: UMPQUA HOLDINGS CORPORATION (CA)

I received a summons and complaint from a process server stating I was being sued by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca bar # XXXX. I was server at my place of residence where I have resided for almost two years. Attached to the complaint is a letter mailed to a address other than mine. I never received and letter to my place of abode. The plaintiff never attempted to resolve this matter without taking action, but false claims to have in there complaint. The current and original creditor is n't listed on any documents and again no documents or communication was made with me. I was denied my rights to dispute.
Consumer complaint received 2015-10-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: National Collection Systems, Inc. (TN)

On XXXX XXXX, 2015, I received a collection notice from National Credit Management Mid-South XXXX XXXX for an alleged debt owed to XXXX College in the amount of {$200.00}. However, after checking with the Student Accounts office at XXXX XXXX XXXX " the College '' ), I determined the amount was to be billed under a third-party billing agreement with the College and therefore is not my individual liability. Therefore, on XXXX XXXX, 2015, I requested National Credit Management to provide validation of the debt as provided by the FDCPA and for an accounting of the debt. I 've received no response to my request. However, after checking my credit report, I noticed the debt was reported to all three major credit reporting agencies. National Credit Management is reporting a non-validated debt on my personal credit report causing damages to myself in terms of my credit score, personal reputation, and business relationships.
Consumer complaint received 2015-07-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (CA)

My previous loan was sold to GMAC who had approved a loan modification before the loan was sold to Ocwen in which I had to start the loan modification process over and it took three years for Ocwen to finally approve a loan modfication however the loan modifcation that was approved was a payment that was higher than my original loan payment, while I was in the process of appealing the loan modfication my home was sold in a trustee sale on XXXX XXXX, 2014. 
I had provided everything Ocwen requested and they would continually deny me and I would have to reapply all the while they kept postponing the trustee sale until the company finally sold the home. I believe they did not want to provide a loan modification because they felt they could get more for my home if they sold it in a trustee sale. The outline of events will clearly prove this. 

For the past six months, my complaint has been with an Ocwen escalation employee who has refused to answer my emails or phone calls in providing me with a status update on what is a simple case as the home was illegally sold in a trustee sale.
Consumer complaint received 2016-10-12
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc. (CA)

When my car was repossessed, I never received a " Notice of Disposition '' to notify me where and when the automobile would be auctioned off. Also, I never received a " notice of intent '' within 15 days prior to the auction sale. Under California laws, The lender is prohibited from attempting to collect a deficiency balance under these conditions.
Consumer complaint received 2015-08-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (TX)

Within the last month Equifax is allowing inaccurate and reinserted information to appear on my credit report. Not sure what is going on but they are damaging my chances to purchase a home. See Attached reports. XXXX report is from XXXX/XXXX/2015 and the XXXX is XXXX/XXXX/2015. The most recent report shows XXXX duplicate listings for $ XXXX and a public record all of which were deleted 3 years ago. Please help
Consumer complaint received 2015-05-17
Product: Mortgage — Reverse mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Reverse Mortgage Solutions, Inc. (GA)

I helped my mother get a reverse mortgage in XX/XX/XXXX and she died XX/XX/XXXX. They started Foreclosure procedures about 2 months after she died. I sent them letters ( before she died ) requesting to set aside the reverse mortgage because they failed to follow procedures with their paperwork as mandated by HUD. There were several forms required by HUB that she was supposed to sign that she understood this process. She never signed these forms and did not understand. It was the counseling mandated by HUD but was not followed. That company XXXX was the counseling agency authorized by HUD to do the pre loan counseling, they failed in this capacity. They tried to get me to sign some papers because I lived with her but I refused. They are scheduled to foreclose on XX/XX/XXXX. Therefore I am in immediate need of your help.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (CA)

My information has been breached over 8 times in the last XXXX  years. I have debt reporting that I have no proof of holding myself liable. I have not obtained these items they were obtained from a unknown person/fraudster. I have disputed countless times and it has not yet been resolved. My disputes results come back verified however I am not provided proof of these verified debts which I know NOW is now a violation of the FCRA. I have been disputing these same accounts for years as they have not yet been verified with any legitimate proof. I have not been provided contracts bearing wet signatures and or proof of my debt owed.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DriveTime (TX)

XXXX and XXXX shared my personal information with multiple companies without my consent or giving me the opportunity to opt out. 
I also requested a cancellation of debt from the Trustee XXXX XXXX. 
I have sent the XXXX code, XXXX and IRS documentation to update the debt payments on my credit report. 
They are abusing their power and sharing information without permission, taking advantage of their resources instead of properly using it's resources for just resolutions.
Consumer complaint received 2022-08-09
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: ENCORE CAPITAL GROUP INC. (MA)

I've disputed collectors due to misinformation & violations of rights. The collectors were supposed to remove the blemished marks off my credit report & have failed to do so. In accordance to the FCRA a number of my federally protected consumer rights have been violated. My right to privacy & confidentiality has been violated under 15 USC 1681 as stated in the FDCPA. Rights such as 15 USC 1681 sec 602 ( a ) states a consumer reporting agency can not furnish an account w/out my written consent. 15 USC 1681C ( a ) ( 5 ) states no consumer reporting agency may make any consumer reports containing items of information, any other adverse items of information records if convictions of crimes which out dates the report more than 7years. I've addressed this matter with XXXX XXXX, XXXX, XXXX XXXX XXXX midland credit management. The blemishes were removed ( XXXX XXXX ) on only one account through XXXX. They were both expected to be removed/deleted from my credit report both XXXX  & XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-08-16
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (CA)

I am still waiting on a response from Case number : XXXX in XXXX 2016. Santander uses the excuse that the loan was modified. However, Santander has failed to provide any updated documentation that the loan was modified and due date extended. Nor has the loan maturity date on my monthly statements updated to reflect what Santander is " communicating ''.
Consumer complaint received 2015-04-08
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (SC)

This concerns EQUIFAX ; I do not have any problems with the XXXX other credit bureaus. To the point, on XX/XX/XXXX, EQUIFAX refused to provide the Free Annual Report ( online ), and then refused to provide my credit report and score, even though I was indicating, as a 'member ' ( online ) that I would pay for it. Almost immediately, I recv 'd a most disturbing email from EQUIFAX ( member benefits section ) indicating that " A change has been made to the e-mail address for your EQUIFAX account. This confirmation message has been sent to the old and new e-mail addresses. '' This is quite the concern for me, since my wife and I have had only XXXX email address since XX/XX/XXXX and have only used that XXXX email address in all of our dealings with the credit bureaus. I then promptly notifed EQUIFAX that I 've only had XXXX email address. EQUIFAX responded to inform me of a " reference number '' for my " email inquiry '' and that they " will respond within the next 2-3 business days. '' So, now it has been eight ( 8 ) business days later and still no response. This same refusal, again unexplained, took place last year when I requested my Free Annual Report. Kindly assist me by contacting EQUIFAX and asking them to respond to me. There is no adequate reason for EQUIFAX to continue to deny me the Free Annual Report and certainly not a report I am willing to pay for. I want to resolve whatever problem exists but EQUIFAX seems not to care about their responsibilities even if I am a paying customer. EQUIFAX needs more regulation and enforcement of laws protecting consumers.
Consumer complaint received 2016-01-05
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (CT)

I leased a XXXX XXXX in XXXX XXXX for my daughter from Chrysler Capital. Recently she was relocated by her employer and no longer needs the car. I have found a third party ready and willing to make the lease payments and use the car for the remaining 26 months of the lease. My lease with Chrysler Capital is very clear that they will permit a sublease unless they believe in good faith that the sublease will jeopardize their rights or increase their risk. Under the Sublease, I would continue to be Chrysler Capital 's lessee and hence, Chrysler Capital 's risk is unchanged and their rights are unaffected. 

In several phone discussions with Chrysler Capital, I got nowhere. They finally said that any such solution was not available with no further explanation. I wrote to Chrysler Capital on XXXX XXXX formally requesting their consent, they did n't respond. I have written to them again today. 

So instead of having a third party cover my remaining {$7500.00} of payments, I have the XXXX XXXX sitting in my driveway where it will remain for the next two years unless Chrysler Capital provides the consent. I will continue to make the payments but this is wrong.
Consumer complaint received 2024-03-18
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Loan payment wasn't credited to your account — 
Company: OneMain Finance Corporation (CA)

The correct date is never reflected on my account and every time I've called to fix it I'm on the phone with them for like XXXX min and twice have been hung up on after being on the phone for like almost an hour XXXX time. I have paid over {$5000.00} of my loan but it still says that I owe {$17000.00} of a $ XXXX can never get a correct number when I ask them and it's getting frustrating. Also when I signed my loan I was never told that this was an interest bearing loan they snuck that part in when I signed the loan. The company I dealt with is One Main Financial in XXXX California.
Consumer complaint received 2022-02-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

I have sent several disputes in the past to have the account reported under XXXX XXXX XXXXXXXX removed from my credit reports due to being inaccurate. I contacted XXXX XXXX XXXXXXXX to dispute the information as well and have yet to receive a response. XXXX removed the inaccurate information reported by XXXX XXXX XXXX, but TransUnion and XXXX have not. The latest letter I sent to TransUnion and XXXX to exercise my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request " a description of the procedure used to determine the accuracy and completeness of the information ... ect. Neither TransUnion nor XXXX, have provided me this information in the 15 day time period allowed and I am making this complaint to show abuse, bias, and prejudice by them not affording me my rights under the FCRA or deleting the information from my credit report.
Consumer complaint received 2016-06-06
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: CITIBANK, N.A. (TN)

This card was originally with citi ( Sears ). I got ill about XXXX years ago i was XXXX and i am now on XXXX. XXXX is the only income i have. XXXX XXXX attorney XXXX XXXX XXXX continue sending me a letter threatning me that their going to ask the court to freeze money in my bank account. The only account and income i have is state social security benefits. I filed an affidavit of exemption schedule to my account on XXXX XXXX, 2015 I know they received it. The Law office XXXX on behalf of XXXX XXXX continuning to ignore that i am XXXX. This debt is almost XXXX years old. If i ever get back on my feet and healed from this XXXX the debt still is n't what they claim. My credit card limit was only {$2500.00} They continue to add interest daily. Please help me, this is stressful i 've been really sick this is the last thing i need is pressure to pay a debt i can not right now.
Consumer complaint received 2022-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

The credit bureaus stated they properly investigated my XXXX XXXX XXXX account but how is that possible if the payment history is inaccurate, the status is inaccurate, the highest balance reported is inaccurate, the account type is inaccurate, the balance updated is inaccurate and the status updates is inaccurate.This is ground for removal they also violated my rights under 15 U.S.C 1681 section 602 A. Stated 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 an account without my written instructions.
Consumer complaint received 2023-03-30
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I am XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am a victim of Identity Theft. My Car was burglarized in XXXX XXXX California. All my personal information, and Business Information was stolen. I've had to start all over again. My Experian Business Credit Report have unauthorized fraudulent XXXX 's on the XXXX XXXXXXXX XXXX XXXX credit report attached. All the Fraudulent XXXX 's on the XXXX XXXXXXXX XXXX XXXX, Experian XXXX Credit Report attached are terminated, and issued XXXX 's attached. The Fraudulent XXXX 's on my Experian XXXX credit report are due to Identity Theft.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Kohn Law Firm S.C. (WI)

My personal information was sold without my authorization, resulting I in the improper reporting of debts by Kohn Law Firm and XXXX XXXX XXXX. Despite my repeated attempts to obtain proper validation of the debts in question from Kohn Law Firm, I have informed them multiple times of their violations of the law, including their failure to provide essential documentation such as proof of my agreement to the debts, evidence of their ownership of the debts when originally in collections, and proper licensing to collect debt in my state, as required under 15 USC 1692g Sec. 809 ( b ) of the FDCPA.
Consumer complaint received 2017-02-22
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I received a PreApproval offer from Bank of America to get a cash rewards Credit Card with them. I hesitated and later decided to accept it. I accepted the off only because I was told by them that I was PreApproved, I was then denied. I am okay with not getting the card but now I am stuck with an inquiry that 's not attached to an account. I called today asking for a letter to have it removed because I felt that it was unfair to say I was preapproved and then deny me and leave me with this hard pull. I told the XXXX different agents that I spoke with that I was not upset but only wanted to have the inquiry removed. The first agent was nice and respectful but stated she could not have it removed by law and transferred me to a very rude and disrespectful agent. I feel that this is very unfair and unprofessional.
Consumer complaint received 2017-02-02
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DC)

Last week I got charged a XXXX dollar per month maintenance fee for my checking account. I have had the same checking account for over 15 years and have never before been charged a monthly fee. I was never told about a fee starting XX/XX/2017 and I did not give any consent to being charged a monthly maintenance fee.
Consumer complaint received 2024-03-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (PA)

Ally Bank froze my checking account without notice or cause on XX/XX/24. All account access has been restricted with no explanation. Even after multiple attempts and inquiries including several successful account verifications, there has been no response. I had a closing to purchase a house on XX/XX/24 which is now delayed and in Jeopardy. Please help with a quick resolution, thank you!
Consumer complaint received 2017-08-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have had to purchase reports to attempt to fix inaccuracies in my report. I keep trying to dispute things and getting timed out and then eventually locked out.
Consumer complaint received 2015-06-19
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Jacob Law Group, PLLC (TN)

Company called under name Jacob Law Group, wanted me to give them all of my information but would n't tell me what they were calling about. When i refused my informatiin, she proceeded to threaten me with legal letters, wage garnishment, and police contact. Then, she hung up on me. I still never got an explanation of what is was for.
Consumer complaint received 2015-06-09
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (VA)

I am still being harassed by Navient. I left a reply to the message that they sent to me with XXXX. I told them in the XXXX reply that I would mail in the payment. I got a call and told the collector on the phone I mailed in the payment. They took away my forbearance, that they set up so that I could skip a payment. Now, calling my house XXXX times a day and on Sunday. 
I have contacted the Omnibudsman and left a plea for help. They cut off my auto pay XXXX times an then when I tried to set up the payment a XXXX time, the collector " accidently ' keyed in the wrong account number. 
They will not let me go into the website and make a XXXX time payment. I keep getting collectors with the wrong information and they do not seem to know what is going on. I am not receiving correct information, I have stopped trying to answer my phone and put my loan on auto pay. 
I am being charged interest on being late, so that they can make more money.
Consumer complaint received 2024-03-17
Product: Credit 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 (GA)

I booked a hotel and car rental from XXXX from a trip to XXXX XXXX. I fell ill the day before so I called the hotel to cancel. The hotel said to call XXXX, when called XXXX, XXXX said they would need to call the Hotel Manager to get the charges reversed to verify I did not show. 

Its been 3.5 weeks and every time I email XXXX for an update they are still stating after 3.5 weeks they have yet to hear from the hotel manager and this nothing but a tactic used to not have to pay back the consumer. 

I let my credit card company know and they said I need to go through XXXX, so my credit card company is not advocating for me when they are supposed to & It states clearly on the hotel website when you confirm on XXXX that as long as you do a no call no show you would be reimbursed.