davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (NV)

I HAVE A INQUIRY ON MY REPORT FROM XX/XX/year> AND I HAVE NOT EVER APPLIED FOR A CARD WITH DISCOVER AND IT SHOWS A ACCOUNT WAS CLOSED. I WANT THIS DELETED OFF MY REPORT NOW BECAUSE THIS IS FRAUDULENT AND I DID NOT AUTHORIZE DISCOVER TO ACCESS MY REPORT.
Consumer complaint received 2024-03-08
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivables Management Partners, LLC (IN)

XX/XX/XXXX I attempted to start working on and fixing my credit. Upon receiving my credit report I see that I have XXXX Collections. One for XXXX XXXX Said amount owed is {$620.00}. I have disputed this, because dates are incorrect, I have contacted them numerous times within the last month and I have not recieved one single response from them. I attempted to tell them I would like to settle my debt in payments only request was that they update my report. No response. The other is RMP LLC Collections. Said amount owed is {$1300.00}. I have also disputed this because dates are incorrect. No luck. I have contacted them numerous times through email attempting to settle thus debt in payments as well. No response. XX/XX/XXXX I attempted to reach out by phone call. Upon getting a person on the line to speak to ( who was extremely rude! ) I find the name is incorrect and the amount is incorrect. They said the amount was {$4000.00} and something. Not exactly sure but I know I heard {$4000.00}. Upon asking to recieve a debt verification letter she replied " I have no idea what that is ''. I have been reaching out to both of these companies for over 3 months now and not a single person has attempted to contact or work with me. And upon finding out that there is A LOT of misinformation on these debts I felt disputing would be the right call. Both of my disputes where denied. I just don't understand how they get away with this XXXX on people. And how they can just ignore you and be beyond rude. Also not contact you when you reach out not 1, not 2 but at least 5 times..! I've been looking up what I can do about this and came across your site. I really hope you can help with this. I've been trying to work with this guys for at least 6 months and not only did I not get any help or even a response, I have not gotten a single thing accomplished with them. I am beyond upset. I'm infuriated to no end. It has caused problems in my home with my family and spouse. Please please help me! Thank you!!
Consumer complaint received 2024-03-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Klarna AB (MS)

I place an order from XXXX and one of the item was out stock they sent me text messages and said the item was out stock and I will not get charged now they dont want to refund me for the item I paid for with XXXX to place an order with XXXX now XXXX sending me emails like I did something wrong I only placed an order I didnt know it was out of stock.
Consumer complaint received 2020-11-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: AMERICAN EXPRESS COMPANY (NY)

I am very upset as a Cardmember how I am treated by this bank everytime they never give me a increase in this card their system always find a reason to nkt give me one Ive been loyal for years and have never gotten a single increase I deserve it but instead they rely on my credit which is good unbelievable
Consumer complaint received 2016-12-29
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: American Accounts & Advisers, Inc. (MN)

I received a call from American Accounts and Adviosrs from phone number XXXX on XXXX/XXXX/2016. The man/woman i spoke to asked to speak to my first and last name, i acknowledged that was me, they preceded to state the bill I owed and asked if I had means ro pay it today. I said no, my husband was in a XXXX and we have many bills. They then made what I considered a very rude comment, so nobody is getting paid? That is not what I said, they got irritated when I questioned their demeanor. I then stayed I work in XXXX and they should verify more than my name and should state the mini Miranda. The person I spoke to was rude and accusing, I was not dealing with them and advised I would be reporting them and ended the call. I always pay my bills, it may not be timely for some but I always make good on my accounts and do n't appreciate someone teying to down grade me. Even if I had the money today, I would not have paid that person ( not even sure if the disclosed their name ). Unfortunately these are the people that give XXXX a bad name, working XXXX for the last 12 years of my career find it very rude.
Consumer complaint received 2016-05-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Midwest Recovery Systems (TX)

this debt was included in a chapter XXXX BK XXXX filed XXXX/XXXX/XXXX this the collections company was already notified and continued collection practices are being made by the creditor. this account should be removed from my credit report and all collections efforts should cease. 
This company bought this account from XXXX XXXX from XX/XX/XXXX and it was originally filed in my Chapter XXXX that was converted to a Chapter XXXX in XX/XX/XXXX. This company has reported this on my credit report as a new account from XX/XX/XXXX
Consumer complaint received 2024-03-08
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION ()

Bank of America claims department I was out of the state when all these transactions were made I'm traveling nurse and XXXX was stolen out of my account and when they said I made these transactions I asked him for the proof and they have not set sent me any proof at all they just submitted another claim for reconsideration they are hoping to drag this out because it's from unemployment
Consumer complaint received 2024-03-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Rocket Mortgage, LLC (NJ)

Rocket mortgage is charging me a fee for non payment when the funds were in the account and my bank was holding payment for suspicion of fraud. There was no fraud, they were my charges and the bank released the account. I should not be charged a non payment fee when the funds were in the account and I had no role in holding the payment.
Consumer complaint received 2024-03-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION (NY)

I gave credit acceptance the car back in 2015 as a voluntary repro because of all the mechanical issues with the car credit acceptance auction the car and still saying I owe like XXXX when I put close to XXXX down they started garnishing my pay
Consumer complaint received 2024-03-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION (TX)

I am currently in a loan which the interest rate is over 20 % my monthly payment is {$420.00} per month, I fell behind during covid and they are charging currently monthly late fee 's for the pass 2 years. This is wrong what they are doing and i hope this complaint will resolve my case and give me my title to my car.
Consumer complaint received 2020-11-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CIT BANK, NATIONAL ASSOCIATION (CA)

My mortgage lender CIT bank has been charging me for extra for home insurance even though I've had home insurance this whole time. Since XXXX they have deducted {$550.00} every month, even though they had all the paper work proving that I have home insurance. I noticed this in a few months later and spoke to a representative. They said they would fix the problem since it was there mistake and issue me a refund. They have still yet to do that. They continue to charge me {$550.00} every month and haven't sent me back the refund. Every time I call them they blame the person I spoke with prior and promise to issue the refund but never do. 
I'm at my wits end because I don't know who to contact to report this.
Consumer complaint received 2018-12-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Berlin-Wheeler, Inc. (Kansas) (LA)

Creditor is reporting accounts that are invalid and unverified. XXXX  and XXXX  have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. 
This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 
Account Name : XXXX Account Number : XXXX Date : XX/XX/2018 Amount : {$230.00}
Consumer complaint received 2020-06-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A. (OH)

Account has been locked up since the beginning of XXXX. Nobody has contacted me, and no check received. Whenever I call in and if Im lucky to get through to someone - they tell me that my account is still open but I cant close it. They tell me its in the process and to wait. Weeks turn to months. I call back. This time they tell my I have to speak to a certain team, yet whenever I call - nobody can ever reach this team. I want my account closed and a check sent! Cant even access statements or any of my account information because its all online - yet when your account is locked, you cant login!
Consumer complaint received 2024-03-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I am submitting this complaint against Bank of America, as an investor and bonafide purchaser, because I have submitted registered securities that were suppose to settle the accounts with the following account numbers # XXXX, XXXX, XXXX, XXXX. They were sent out on via XXXX via Registered Mail with the tracking # XXXX. They did not settle the account, nor did they send me the Securities back as per UCC 3-603. Bank of America is committing Securities Fraud and are not reporting the taxes on this transaction as well as trading my securities on the secondary market which is Illegal because in their XXXX and XXXX XXXX Bank of America stated it would not. As a bona fide purchaser I exchanged value for property without any reason to suspect irregularities in the transaction. By definition, a bona fide purchaser can not have actual or constructive notice as to defects in the seller 's right to transfer title to the property. However based on the UCC lien filings that Bank of America has in Delaware the debt was never belonged to me and Bank of America is actually the debtor and XXXX XXXX XXXX XXXX is the secured party. Bank of America and XXXX XXXX XXXX XXXX are the seller/buyer based on the UCC filing and I am not part of this transaction.
Consumer complaint received 2024-03-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc. (CA)

Our loan servicer Mr Cooper an alias of Nationstar Mortgage LLC had a data breach late last year. Our personal information was exfiltrated. Last week my savings account at XXXX XXXX was blocked without explanation and as a result I can not transfer funds to pay my mortgage due XX/XX/XXXX, late by XX/XX/XXXX. I tried to reach Mr Cooper at the customer service number listed on their website and on my statement but it is ABSOLUTELY IMPOSSIBLE to contact a living human and none of the options refer to the issue involved.. You are sent through an XXXXlike endless loop of menus. The statement formerly had the phone and email of your 'Dedicated SPOC '' but that has been removed.
Consumer complaint received 2024-03-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (TX)

LVNV FUNDING LLC has literally brought me to a point where I cant even sleep or function as a human being. What is happening with my info Im not understanding and who is using it Im not understanding either. 

I came back to the states to realize my info has been used and LVNV literally has been draining my life for over a month now. I have received packages from them to remove these fraudulent accounts off of my credit and still havent heard anything back. There is 4 accounts in my credit from LVNV that I never heard of. They told me an address in XXXX was using that and the statements were being sent there. I lived in XXXX and in XXXX XXXX and currently Im in XXXX for work. This has ruined my life. I need LVNV to do the right thing and investigate the accounts. The accounts do not belong to me. THE ACCOUNTS DO NOT BELONG TO ME AND I NEVER OPENED any THESE accounts. 


REMOVE THESE ACCOUNTS FROM MY CREDIT LIKE WHAT IS GOING ON. I attached a police report to this claim and complaint and I have attached the necessary forms to prove my statement. 

I was not in the country during the time when these accounts were supposedly opened and used. These accounts were never ever opened by me. 

There is 4 accounts : LVNV FUNDING LLC {$620.00} LVNV FUNDING LLC {$720.00} LVNV FUNDING LLC {$890.00} LVNV FUNDING LLC {$3300.00}
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK (AZ)

In accordance with the Fair Credit Reporting Act the following creditors have violated my rights under : 15 U.S.C 1681 section 602 A. States 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. Discover Bank XXXX THIS ACCOUNT WAS FRAUDULENTLY OPENED. IT IS NOT MINE
Consumer complaint received 2024-03-08
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (NY)

On XX/XX/2024, my brother, who lives in XXXX, wired me {$30000.00} from his XXXX XXXX  ( XXXX ) account to my XXXX XXXX ( XXXX XXXX account in the USA. Since XXXX XXXX is an investment company, the international transfers go to the particular XXXX account with Citibank and then to XXXX XXXXXXXX XXXX corresponding accounts. A few weeks later we did not receive money and my brother contacted XXXX. Almost a month later, XXXX sent my brother a letter stating that money was transferred to Citibank, but they didn't provide clear communication about what happened with {$30000.00}. 
I contacted XXXX and was told that they don't have my money. I was advised to speak with XXXX. 
I called Citibank and was told that they could not speak with me because I don't have an account with them. 
I sent complaints by certified mail to XXXX and Citibank and e-mailed XXXX representatives of Citibank, but I have not received a response. 
{$30000.00} got stolen. Please help me. 
I'll provide all supporting information regarding these transactions and communications.
Consumer complaint received 2024-03-07
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Healthcare Finance Direct LLC. (CA)

In XX/XX/XXXX, I signed up for a XXXX XXXX XXXXXXXX payment plan for " XXXX XXXX '' XXXX treatments XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. The first week XXXX XXXX XXXX I was XXXX XXXX into my XXXX XXXX treatment, I found XXXX had ceased operations ( with no communication from them ), abandoning me as a patient and breaching the payment plan contract I had signed in which they agreed to " provide services. '' I reached out to Healthcare Finance Direct, the payment processing company, multiple times stating XXXX had breached our payment plan contract and that I would like to halt payments until my contract is being serviced. I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX refused to continue my treatment, stating I would need to start new with them. Healthcare Finance Direct maintained that I needed to continue payments for a service I was no longer receiving or my credit would be affected. Last month, both the XXXX and HFD website stated that if you did not complete treatment, you did not need to continue payments to your account. I reached out to HFD to stop my auto payments after reading this and they continued to tell me that I needed to continue payments and would not stop my autopay as requested, despite the fact I did not receive all the products and services promised and the fact that their website 's shared conflicting information. Again, saying my credit would be affected by this.
Consumer complaint received 2018-01-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: KEYCORP (ME)

In Key 's response to my CFPB complaint, it purported that an explanation was provided to address your concerns. " Concerns '' are not the real issue. The larger issue is Key 's exportation of liability through Keys off-shore call centers. This apect continues to be dodged by diverting attention from the only documentation trail discoverable by the consumer : salient call-records.

In this case, Keys call records will evidence the fact that when Key was called regarding a payment plan, I as most consumers, had no knowledge of a so-called re-age plan and none was proposed. Instead a loan-modification agreement was described, discussed in detail and agreed to including the previously detailed credit resolution itemized to the CFPB on X/XX/2017. This conversation was documented and has been provided to Key on numerous occasions including dates, names and locations of the Key employees directly involved. Key initially agreed to, but failed to provide the agreement in writing and after repeated requests by phone and email, refused to write or email altogether. The loan modification agreement and other terms of the arrangement were subsequently re-characterized by Key personnel with different phrases including the re-age description. 

Instead of diverting from this issue with voluminous documents, ( about 100 pages to date ) it would be more to the point to provide the recorded records of the actual conversation. This would also clarify the failed funds transfer and the ensuing explanation by Key regarding why the woman taking the request did not hit the submit button also detailed on X/XX/2017.
Consumer complaint received 2024-03-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Independent Savings Plan Co. (FL)

ISPC is committing FRAUD. I noticed that ISPC redeemed the remittance coupons/instrument as a non cash item ( 12 CFR 210.2 ( k ) / ( 12 CFR 229.2 ( u ) ( 4 ). Pursuant to US Code 1691 ( C ) you assume civil liability pursuant to 15 USC 1691 ( k ). ISPC Has violated my federally protected rights.

The debt shows as a charge off- this is a certificate of indebtedness. ISPC filed a 1099C but I did not receive any income from this debt, this is FRAUD.

The company has violated my rights under the Privacy Act of 1974.

It is illegal to report transaction history and credit utilization 10 % or lower.

15 USC 6802 15 USC 6805 Additionally, it is my understanding that you are selling my securities on the secondary market. I will be forced to report my findings to the SEC for securities fraud alongside a financial securitization audit of my account.

See Report Number XXXX
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: I.C. System, Inc. (GA)

I.C. SYSTEM, INC IS ILLEGALLY ATTEMPTING TO COLLECT DEBT WITHOUT A LICENSE TO COLLECT IN THE STATE OF GEORGIA ON ACCOUNT : ( ORIGINAL CREDITOR XXXX XXXXXXXX ) I am writing to formally request that your company cease and desist all debt collection activities related to the debt identified [ XXXX ACCOUNT XXXX ] XXXX It has come to my attention that your agency is not licensed to collect debts in the state of Georgia, as required by state law. 

Under the Fair Debt Collection Practices Act ( FDCPA ) and Georgia state law, debt collection agencies must be licensed and compliant with all regulations in the state where they are conducting collection activities. Your lack of proper licensing in Georgia prevents you from legally pursuing debt collection actions within the state. 

I demand that you immediately cease all communication, attempts to collect, or any further actions related to this debt. Failure to comply with this request will result in legal action being taken against your agency. 

Please provide written confirmation that you have ceased all collection activities related to the aforementioned debt and that my request has been acknowledged. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-10-14
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: DISCOVER BANK (MD)

I have had a credit card from Discover since XXXX. When I wasn't able to work in XXXX, due to a XXXX   XXXX, and, not being able to collect any XXXX payment, I fell behind with my bills.Upon reporting my unemployment situation to Discovery, I was offered a payment plan option. I made payments until I wasn't able to continue to. Then my account was charged off for {$1500.00}, in XXXX. I contacted the lender about a potential settlement in early XXXX, I was told that my account was sold to third party. A collection law firm. Then I contacted that law firm, in an attempt to help me get rid of this debt. Instead of offering me an opportunity to settle the account representative who identified herself as XXXX, told that, " Either you pay this debt in full, or we'll sent a request for garnishment to your job ... '' I kept on calling for payment option, every time I called, I'm given a new higher payment amount. I was told that I have accumulating late fees, interests, service charges accrued, being level on me, every single day that the account goes unpaid. And the latest updated charge as of XX/XX/XXXX, and per representative XXXX, the current amount that I owe on the account, is {$170000.00}.
Consumer complaint received 2024-03-07
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: CNG FINANCIAL CORPORATION (AP)

There are many dates the latest one is XX/XX/2024. They have my social security number. This time it's a Check N Go payday day loan. As I said I have lived in the XXXX for XXXX  years and never went back to XXXX. These people are scammers with fake websites. They called me last night. When I answered am I speaking with XXXX XXXX I said yes, and then they called out my social security number. Now at that time, I am scared of what could happen to my accounts. I said to him is there anything else I needed from you. He asked what mean and I said I thought you people would be in jail by now. He said that's what he going to do to me. I said I reported you to the FBI and Federal Trade Commission and he hung the phone up on me. The number he used to call me is XXXX website www.checkngo.com