davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-21
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: U.S. BANCORP (CA)

There is a debt from US BANK they claim that {$16000.00}. I have spoken to US Bank and to the lawfirm currently in charge of collecting it. I have not been formally served, but have looked at the court docket and noticed that there is a lawsuit filed on XX/XX/XXXX. When I found this out I was a bit surprised because this debt is very old. In fact, I called US BANK to confirm the date of last payment, which US BANK told me it was XX/XX/XXXX. This makes this a time-barred debt since the lawsuit was filed four months too late. According to the CA Code of Civil Procedure 337, there is a four year limit for filing a lawsuit to collect a debt based on a written agreement. This clock started on XX/XX/XXXX, which is the final payment that was made that preceded the delinquency that led to the charge off, or four years form the date the contract was broken.

I have advised US BANK about this, and also advised the lawfirm XXXX and XXXX about this, but they seem to have a total disregard of the law and are seeking to force me to file an answer on a debt I have not even been served on. I have been keeping an eye on the court docket and they claim they served me somehow, but I have not been formally served.
Consumer complaint received 2017-11-28
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. (KY)

XXXX XXXX XXXX ran my credit 7 times on XX/XX/2017. I tried disputing this through the credit bureaus. They each told me that I need to speak with the creditor. I contacted each individual company that ran my credit on XX/XX/2017, they all stated that XXXX XXXX XXXX ran the report in order to apply for the best rate for a car. I emailed the general manager of XXXX XXXX  XXXX. He stated the application was submitted online. He could not provide me with an electronic signature. I demand these inquiries be removed from my reports.
Consumer complaint received 2021-07-07
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: EQUIFAX, INC. (GA)

I XXXX XXXX, I am a victim of Identity theft. I am enclosing my Driver 's license, Identity theft report where I listed all the charges that I did not make from Federal Trade Commission and a notarized Identity theft Affidavit. I meet all the qualifications under 15 USC 1681c-2 for Block and Removal of the information that resulted from an identity theft on my consumer report.
Consumer complaint received 2022-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MD)

Upon reviewing my updates, there are several unauthorized inquiries and incorrect information seen written in my Credit Report and is clearly a violation of the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that reporting unverified information without any proof provided within the time allowed by law is not authorized.
Consumer complaint received 2017-11-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: SUNTRUST BANKS, INC. (GA)

This loan was taken out with Suntrust as a line of credit by a business that I used to own. I was offered so many products I was told my it was a business unsecured line of credit and my credit was not the applicate, but a singer CEO they have more than double the original amount and from XXXX to XXXX! The company went belly up and they came after me. They have called and harassed, turned my case over to a collection agency and the loan was originally taken out in XX/XX/XXXX.  Payments stopped in XX/XX/XXXX and now going on almost 14 years and I am still harassed via mail when I have requested after 7 years that they remove form my personal. they have again is is 14 years later, they bill me ever month and refuse to remove the debit from my credit. Per my rights it should be removed they had attempted to put a lien on my home which was made to be removed by the legal department and it shows a bad on my credit report.
Consumer complaint received 2023-02-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P. (FL)

Original Contract with my wet signature on it? 
Creditors information address location phone number and agent that talk to me personally? 
Proof of payment history payments made and payments not made dates and issue documents? 
Proof of ownership and Authorization to collect?
Consumer complaint received 2019-03-08
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (NJ)

I transferred {$5000.00} via HSBC branch located in XXXX NJ into an XXXX Companys XXXX XXXX   checking account on XX/XX/2019. XXXX XXXX requested XXXX information from HSBC and which was never provided. I requested return of funds on XX/XX/2019 from HSBC. I am still waiting for the funds. XXXX XXXX  has not received any request from HSBC for the return of these funds. I can not speak to the wire department directly nor I am given any update on where HSBC stand in recovering my funds. I need help in recovering my money that XXXX and XXXX XXXX  owe me.
Consumer complaint received 2015-08-17
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: JPMORGAN CHASE & CO. (TX)

I had written a complaint before ( Case number : XXXX ) that was submitted to XXXX XXXX XXXX. I spoke to a CFPB representative who said that my case was referred to the Federal Trade Commission. I am now writing this new complaint because it is now clear to me that JP Morgan Chase is/was the servicer of this auto lease, and they are the party with whom I had been negotiating. In XXXX XXXX, I moved from XXXX to XXXX and brought with me a XXXX vehicle which I had leased. Unbeknownst to me, in XXXX XXXX, unless a lessee files an affidavit claiming they are not using the leased vehicle for income-producing purposes, vehicle owners are subject to Property Taxes. As it was approaching the end of the least term, I surrendered this vehicle in XXXX XXXX as part of a trade-in for a new leased vehicle. Then, on XXXX XXXX, XXXX ( 15 months later! ), I received a letter on XXXX XXXX XXXX XXXX letterhead ( but JP Morgan Chase is the actual lessor ) that I owed them {$620.00} in property taxes to reimburse them for the taxes they paid to XXXX XXXX. I immediately called XXXX XXXX who said there was nothing they could do. I called the phone number found on the Property Tax Notice from Chase and have negotiated with XXXX different Chase personnel to get them to waive the property tax that they are seeking. Chase claims that they sent me a letter which contained the aforementioned affidavit back in XXXX XXXX when I initially moved here and notified them of my change in address. Honestly, I do n't recall ever receiving this correspondence. Further, given the consequence of having to pay a hefty property tax bill if the affidavit was n't returned, I would have expected Chase to reach out to me a XXXX time to remind me that this form needed to be signed, notarized and returned, but that never happened. We had from XXXX XXXX until XXXX XXXX to file this affidavit, a full 10 months, to avert having to pay this tax. I was completely unaware of this obligation in XXXX. I have never missed or been late on any consumer debt payments in over 30 years. And despite talking to supervisors all the way up the chain at Chase, I do n't know where we are on this property tax issue. My last XXXX phone calls to a direct manager in Chase 's Executive office have gone unreturned. I am also a Chase credit card holder. At the very least, as a customer of the bank, and with 10 months to get the affidavit filed, I would have expected Chase to send a reminder about this particular requirement in XXXX. It was very difficult moving from XXXX part of the country to another, getting children settled in their new surroundings and new schools. I honestly never saw this correspondence that Chase allegedly sent me, and they have expressed no interest in working with me. The supervisor, in whose hands my case rests, and who is located in XXXX, does not return phone calls either. I am extremely frustrated and disappointed at their lack of empathy and willingness to bring this to a fair conclusion.
Consumer complaint received 2017-03-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Kimball, Tirey & St. John LLP (CA)

Company requesting payment for debt that was never owed, for rent of a property that was never leased. Despite it being a case of mistaken identity ( letters addressed to person with different name and of the opposite gender ), company keeps making contact. 

Receiver of debt collection request was not living in-state at time purported debt was accrued.
Consumer complaint received 2024-04-16
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CARRINGTON MORTGAGE SERVICES, LLC (FL)

Carrington has an arm called XXXX XXXX XXXX XXXX, which handles all insurance claims. 

I have complied and submitted all request documents as well as my claim check. The amount of the check was approximately {$11000.00}. The company is now stating they will release 25 % of my claim and I will need to pay for the rest of my repairs out of pocket. My insurance approved a total roof replacement, and their provided quote was over {$18000.00}. 

I explained to XXXX that my home insurance has given me a deadline of XX/XX/XXXX to complete repairs, and they refuse to send me the funds my insurance allocated for the repair. 

I have been unable to speak to my file manager, XXXX. He has left XXXX voicemails and is perpetually unavailable anytime I call. 
The front end CS reps simply read from a script and provide no actual answers. I have spoken with customer advocacy at Carrington as well, and have received no follow up or resolution. 

I am simply requesting my insurance funds be released so that I can adequately repair my home and keep my home insurance in tact.
Consumer complaint received 2024-05-10
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: United Collection Bureau, Inc. (TX)

A ) On XX/XX/year>, the collection company made a collection under my Experian/TransUnion consumer credit report with the amount due of {$1400.00}. 
B ) On XX/XX/year>, I submitted a dispute with the report number XXXX to XXXX XXXX Credit report and on XXXX XXXX the collection company certified the information to XXXX XXXX requirement of the FCRA XXXX However, the report did not disclose any information in order I could valid/verified the alleged debt. 
C ) On XX/XX/year>, I wrote a letter to the collection company requesting a Debt Validation/Verification request . The letter was sent through USPS Certified mail and until todays date the letter has not been answered by the collection company.
Consumer complaint received 2024-03-16
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (TX)

I am writing to file a formal complaint against LVNV Funding LLC. for multiple violations of consumer financial protection laws that have negatively impacted my credit and consumer rights. Detailed below are the specific violations and the actions I am demanding in response. 

Violations : Failure to Provide Validation Information : Despite placing a collection entry on my consumer report, XXXX XXXX XXXX XXXX XXXX has not provided me with the requisite validation information as mandated under 12 CFR 1006.34 ( b ) ( 5 ). This lack of transparency and due diligence is unacceptable and has unjustly affected my credit standing.

Denial of Dispute Opportunity : In contravention of 12 CFR 1006.34 ( c ) ( 4 ) ( i ), I have not been afforded the opportunity to dispute the account in question. This denial of my right to dispute is a direct violation of established consumer protection regulations. 

Use of Deceptive Practices : The collection tactics employed by XXXX XXXX XXXX XXXX XXXX involve false, misleading, and deceptive means, which is in clear violation of my consumer rights and breaches the trust inherent in fair collection practices. 

Unauthorized Reporting to Credit Bureaus : The agency has reported information to consumer reporting agencies without adhering to the necessary legal disclosures, violating both 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ). This unauthorized reporting undermines the integrity of my consumer report and violates statutory requirements. 

Demands : In light of these violations, I hereby : Dispute All Alleged Debts : I am disputing any and all debts that XXXX XXXX XXXX XXXX XXXX claims I owe. I assert that these claims have not been validated and are disputed in full. 

Revoke Communication Rights : Effective immediately, I am revoking XXXX XXXX XXXX XXXX XXXX 's rights to contact me via email, text messages, or phone calls. All future communications should be directed in writing through postal mail. 

Request for Debt Validation : I am formally requesting a comprehensive validation of the alleged debt, including but not limited to the original creditor 's name, the date of the original charge, and the amount of the debt. 

Request for Purchase Agreement : Additionally, I request a copy of the purchase agreement between XXXX XXXX XXXX XXXX XXXX and the original creditor, proving the legitimacy of the debt and the authority to collect it. 

Proof of Licensing and Bonding : I also demand proof that XXXX XXXX XXXX XXXX XXXX is licensed and bonded to collect debts in my state, as required by law. 

I expect a prompt response to this complaint, addressing each violation and demand outlined above. Failure to satisfactorily resolve these issues may compel me to take further legal action, including but not limited to seeking remedies through litigation. 

Please consider this letter a formal notice of the aforementioned disputes and demands. I look forward to your timely and comprehensive response.
Consumer complaint received 2017-11-28
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Social Finance, Inc. (VA)

I recently received a personal loan from Sofi in the amount of $ XXXX. I responded to marketing and in 48 hours the money was in my bank account. The problem, I am a XXXX XXXX and felt there were no controls in place ; e.g., co-signer from a spouse, etc. that protected me. 

When I emailed the CEO on XX/XX/XXXX of my predicament I received the following response. 

Hello XXXX, Thank you for reaching out to our CEO. I was forwarded your email so I could reach out to you. 

I cant imagine what you must be dealing with right now. I would like to take the time to speak with you in more detail about the situation you are facing. Is there a good time in which we could schedule to speak? If its more convenient, you can reach out to us at XXXX and ask to speak with me directly or anyone in the office of the CEO. 

I look forward to your response. 

Best regards, XXXX XXXX. 
Social Finance Inc. 
XXXX ****END OF MSG**** Subsequently, I called Sofi and spoke to someone else in the front office who was rude and aggressive in stating, you signed these documents you must pay. XXXX XXXX on the other hand did return my call and was apologetic that there was nothing he could do although I do value ( and trust ) his follow-through. It is the management policies of Sofi that are dishonest and why I want to pay off the loan I have with them with another vendor at a significantly lower rate.

At this point I am trying to pay off my loan with another vendor and that vendor tells me Sofi does not want to participate. It is my perspective that Sofi is a predatory and against the standards of the Consumer Protections Financial Board. 

CFPB should validate their controls and how they work with individuals with difficult circumstances which would validate the ethics and authenticity of this company. 

Thanks
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

XX/XX/XXXX I noticed 4 bankruptcies was reinserted back on my credit report with XXXX. I disputed it last year in XX/XX/XXXX and it was verified that XXXX XXXX which is their furnisher did not have any bankruptcies on my consumer report with them. XXXX deleted all four off of my consumer report. They are in violation of the FCRA 15 U.S. Code 1681i Procedure in case of disputed accuracy, Duties of furnishers of information to Consumer Reporting Agencies. also 15 US 1681XXXX Accuracy of Information.. Also XXXX has so many inaccuracies in reporting accounts number, date of opening accounts, dates of last activities and amounts and also inaccurate personal information ect. I am also uploading the copy of showing absent credit reports from XX/XX/XXXX thru XX/XX/XXXX. I am requesting {$1000.00} per inaccuracies from XXXX. XXXX and Transunion is also reporting inaccurate information such as the dates reported, the amount, the date opened the status ect. All three Credit Bureaus are reporting inaccurate information on my consumer report. FCRA XXXX states that as a consumer we are to have an accurate consumer report with all three credit bureaus, with all of them stating the exact same thing reporting.
Consumer complaint received 2017-11-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital One Credit Card : XX/XX/2017 XXXX XXXX : {$44.00} XXXX XXXX : {$37.00} XXXX XXXX : {$170.00} XXXX XXXX : {$100.00} XXXX : {$1.00} XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I lost my Capital One credit card then I report a list of fraudulent charges then they sent new credit card then place back all the charges back to my account. I called in the fraud department for help but the issues were not resolved then they closed the case. I was requesting to speak to the manager of the fraud investigator but they told me to write a letter. They did n't resolve the issues and closed the case and they want me to pay everything. The employees in the fraud department are very rude and lacking of customer service skill. They hung up the phone on me and refused to let me speak to the manager of the fraud investigator for my case. This is not fair because I did n't make those charges.
Consumer complaint received 2024-03-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Andreu, Palma & Andreu, PL (FL)

The debt collector XXXX XXXX I, XXXX, communicated with me without first sending written notification of the debt, which should have legally included the official name of the creditor, the alleged amount of debt owed, and a notification that the debtor has the right to dispute the debt in question. The debt collector communicated with me using my email address, telephone number, and text number, yet they never offered me " any '' method to opt-out. The incessant phone calls were made in an attempt to harass and intimidate me into paying a debt that has never been validated and which I believe is the result of identity theft- which I have been a victim of at least twice in the past 10 years. The company violated the XXXX rule by making repetitious harassing and threatening calls to my phone during a seven-day period. The debt collectors made false claims, including but not limited to the fact that they worked for XXXX Bank  and that I must provide my DOB, address, and social security number to verify my identity before they could discuss the debt with me. 

During the first week of XX/XX/2024, I received a form letter in the mail from the law office of Andreu, Palma, Lavin & Solis, PPLC, XXXX XXXX XXXX XXXX. XXXX XXXX, FL XXXX. This form letter stated that a lawsuit had been filed ( Case # XXXX ) and notified me that I was being offered a resolution proposal for {$2400.00} in connection with File # XXXXIt is my understanding that the debt collectors actions described in this complaint violate provisions of the Fair Debt Collection Practices Act ( FDCPA )
Consumer complaint received 2017-11-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (CA)

I am still having issues with Chase. After closing account for no reason they were providing awful service trying resolve the case. First of all the accounts were closed for no reason which were confirmed by supervisor from XXXX as there were no rapid increase in my revolving balance. Actually it was decrease. Furthermore some information was in dispute which was finalized shortly and according to XXXX it should not be taken into account. On XX/XX/17 I am receiving call from XXXX XXXX from chase credit department. He  was not able to provide any explanation regarding closure of my account but told me to contact chase whenever the issue with credit report update is resoled so they can reconsider the opening my chase freedom account ( One more thing whenever I requested for a review I told them to reopen only chase freedom but their employees reviewed all my account to have them all reopened which I have never requested ). Today I called representative and she after taking couple of minutes told me that she could not have it reopened as it is more than 30 days and she told me that there wasno XXXX XXXX working in Chase credit department. Furthermore it is already 60 days no supervisor called me from their credit card services department and I was told on recorded line to 48- 72 business hours. Every time I was told that they were calling wrong number and I updated it 3-4 times. I know that all calls are recorded and it is one more proof regarding how unprofessional company they are. within 2 month nobody called me from their supervisors. 
Attaching my credit report which only shows 3 percent of utilization. 
plus no feedback and resolution about remaining issues from my previous complaint.