davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-08
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (IN)

Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
Consumer complaint received 2018-06-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc. (GA)

I had XXXX XXXX service in an apartment that I resided until XX/XX/XXXX. I moved from this apartment on XX/XX/XXXX with a balance owe to XXXX for equipment. The equipment was returned on XX/XX/XXXX after I received a collection notice from a collection agency -XXXX. I stopped receiving collections notifications on this issue. In XX/XX/XXXX, while I was settling collection issue with a collection agency -Diversified Consultants, I was informed that they had an other collection account under my name. It was for XXXX XXXX. I paid Diversified Consultants because he said it would be on my credit report. I was unsure about the charges and didn't have a chance to validate them. I was unaware that this item was already on my credit file, since it was my first time hearing about this collection item with Diversified Consultants.
Consumer complaint received 2022-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

According to the FCRA 15 U.S.C. 1681 e ( b ) and 15 U.S.C. 1681 b ( a ) 2 not given my written instructions XXXX account the number is XXXX .... 

XXXX says the balance is {$830.00} XXXX says it is {$0.00} equifax says it is {$830.00} date opened XXXX  states XX/XX/2017 XXXX states XX/XX/2017 equifax states XX/XX/2017 not all equal
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: NRA Group, LLC (FL)

I am a federally protected consumer who is guaranteed rights and protections pursuant to the FCRA and FDCPA. On or around XX/XX/year> to XX/XX/year>, I provided adequate notice to the Consumer Reporting Agencies ( XXXX, XXXX and XXXX ) that information in my consumer file that I the consumer has identified as information that resulted from an alleged identity theft pursuant to 15 U.S.C. 1681c-2 and provided all appropriate documents as requested.

All furnishers of the identified information that resulted from alleged identity theft was on my credit report also received appropriate notice.

The FCRA has Prohibition on Sale or Transfer of Debt Caused by Identity Theft pursuant to 15 U.S.C. 1681m ( f ) and 15 U.S.C. 1681s-2 ( a ) ( 6 ).

The company has placed a collections account on my consumer report that was reported as a resulted of alleged identity theft evidence by an FTC identity theft report and a police report this incorporate as apart of this complaint.

The Consumer reporting Agency also has a duty to notify me the consumer in written of the reinsertion of any previously deleted information from my consumer file no more than 5 business days after the reinsertion. I HAVE NOT BEEN NOTIFIED. 

There actions has result in me the consumer suffering embarrassment and emotional harm when i was denied an extension of credit due to your collections account been apart of my credit file.
Consumer complaint received 2019-05-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (TX)

Ditech was contacted by phone to start the process of releasing escrow management to me the borrower. There was an extended hold time ( about 30 minutes ) and once connected the agent gave a facsimile number to send a request. That task was performed that afternoon ( XX/XX/2019 ). 
I received no response to the sent facsimile after about a month so I called again. After another long hold time I confirmed the facsimile information and resent the request on XX/XX/2019. 
Again I received no response from Ditech. After another several weeks I called again. Again another 20-30 minute hold time ( is this a discouragement tactic? ) I spoke to another representative and was this time given a web address to upload my request. This is the same request I have made in the previous attempts. This information was uploaded to that site on XX/XX/2019. 
I still have yet to receive a reply from Ditech regarding this matter. I do still receive my mortgage statements, however. I should note that I am not deliquent ( nor ever have been ) and have a LTV of about 15 %.
Consumer complaint received 2024-03-08
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK (CA)

I applied for a Discover it XXXX card from Discover. Here is my application number XXXX. I was denied due to my previous account that taken care of and due to my credit. 

It is from my understanding I gave you an application which you are going to turn into a receivable and sell on the secondary market and make all of your money. Even though in page 62 of Risk Factors on your PROSPECTUS DATED XX/XX/XXXX   you specifically state, and I quote We do not currently intend to apply for listing of the notes on any securities exchange or to include the notes in any automated quotation system. 

Another thing that I found on page 98 of your prospectus as it states XXXX scores are based on independent, third-party information, the accuracy of which we can not verify. 
I am also being denied cause of my credit that you can not verify.
Consumer complaint received 2024-03-08
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK (CA)

I applied for a Discover it Miles card from Discover. Here is my application number XXXX. I was denied due to my previous account that was taken care of and due to my credit. 

It is my understanding I gave you an application that you are going to turn into a receivable and sell on the secondary market and make all of your money. Even though in page 62 of Risk Factors on your PROSPECTUS DATED XX/XX/year> you specifically state, and I quote We do not currently intend to apply for listing of the notes on any securities exchange or to include the notes in any automated quotation system. 

Another thing that I found on page 98 of your prospectus as it states XXXX  scores are based on independent, third-party information, the accuracy of which we can not verify. 
I am also being denied cause of my credit that you can not verify.
Consumer complaint received 2024-03-07
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PENTAGON FEDERAL CREDIT UNION (AE)

XXXX XXXX XXXX and/or Pentagon Federal Credit Union misrepresented the total balance I owed on a credit card, after I paid the lower amount, they later levied the full balance against me. 

In XXXX of XXXX, I called Pentagon Federal Credit Union ( PenFed ) to make payments and settle my credit card debt of approximately {$25000.00}. I was told that the account had been sent to XXXX XXXX XXXXXXXX XXXX XXXX XXXX  for collection. When I made contact with XXXX to schedule payments, they told me the total balance owed was only {$6400.00}. I asked them to confirm as I knew the balance was roughly {$25000.00} ; they confirmed, and this led me to believe that they were settling the account for less. I scheduled a payment plan to start in XXXX ( see attached Debt Collector Letter ), but I was not able to begin payments at that time. However, a few months later, I called XXXX again on XX/XX/XXXX to begin payments. I asked again if the balance was only {$6400.00}, and they confirmed. So I scheduled six monthly payments of {$1000.00} ( see attached XXXX Payments ). After completing the first six payments, I received another letter requesting the final payment of {$430.00}. I called again and confirmed that this was the final payment and paid it on XX/XX/XXXX. 

In XXXX of XXXX, I noticed the status of the account on my credit report had not changed. I expected the status to show " account settled '' or " paid/closed ''. Instead, it was still showing charged off or balanced owed. So, I disputed the account, and when I received the results, the account was only updated to show the payments I made. So I called XXXX again to inquire about the balance still owed ; unfortunately, I do not remember the date or who I spoke with, but she told me that PenFed gave them the wrong amount ( {$6400.00} ) and now they needed to collect the remaining balance of roughly {$19000.00}. I asked how it was possible that I needed to pay the remaining balance when they assured me the total balance was {$6400.00}. I took no action but thought I would dispute it again with the credit bureau and add the collection and proof of my payments as I did not provide any documentation the first time. 

In XX/XX/XXXX, I finally found the attached letters ( the only remaining ones I have ) and pulled my statements together to dispute the account status through the credit bureau with documentation. In XX/XX/XXXX, I received the results from the dispute, and the account was " verified and updated. '' The credit bureau ( XXXX ) provided information regarding your bureau to further dispute or file a complaint regarding the results of my claim.
Consumer complaint received 2020-06-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ascension Point Recovery Services, LLC (FL)

XXXX XXXX XXXX ( XXXX ) Account Holder DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Regulation Z gives borrowers the right to cancel certain credit transactions, including a lien on a borrowers dwelling, to regulate some credit card practices, and to provide consumers with access to fair and timely credit billing disputes. 

Regulation Z is enforced by the U.S. Federal Reserve Board and the Consumer Financial Protection Bureau. However, the Dodd-Frank Wall Street Reform and the Consumer Protection Act of 2010 transferred most responsibility to the CFPB. 

My Auntie passed away XX/XX/XXXX. Several fraudulent purchases where made while she was on her death bed and other purchases where made after she died .My Aunt XXXX never abused or maxed out her credit cards. XXXX never gave consent for anyone to use her credit cards. She never authorized any authorized signers on any of her accounts. I want all these fraudulent credit card purchases to be carefully reviewed, and i want all charges cancelled due to fraud. My aunts spending patterns where simple. She always paid in full, never left a balance and hardly never used her credit cards. Why weren't these unusual spending patterns noticed? Its negligence on the creditor part for not noticing unusual patterns, large purchases a. I am the Personal Representative of her Estate, and I want to make sure all of her affairs are in order. 

RE : XXXX, XXXX XXXX Local Case Number : XXXX Filing Date : XX/XX/XXXX State Case Number : XXXX Judicial Section : XXXX Consolidated Case No. : N/A Case Type : ADMINISTRATION My name is XXXX XXXX DOB XX/XX/XXXX I'm the Personal Representative of the Estate of XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-07
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Zions Debt Holdings (AZ)

This debt is more than XXXX XXXX XXXX, and this collection company used to be called Zion debt holding starting harassing me in XX/XX/XXXX has changed their name, and re-filed the debt under their new name of XXXX XXXX XXXX XXXX XXXX XXXX I have finally got my score up in XXXX but this has cause lots of problems and damages Financially to me please fix
Consumer complaint received 2024-03-07
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital One is charging a {$25.00} late fee EVEN when one makes the payment on the actual due date. 

This is now the 2nd time, I make the payment prior to midnight on the date due and they still have the audacity to keep charging a {$25.00} late payment fee? They refused to credit the late fee because they already did that last month. In XXXX, my uncle had a XXXXXXXX XXXX  and I lost track of making the payment prior to their timestamp and made the payment close to midnight which incurred a late fee on their end. This month, I made the payment at XXXX, on XX/XX/XXXX and they still charged me the late fee. I had also submitted my Capital credits in the amount close to {$30.00} which took place on XXXX XXXX and was waiting for that amount to be credited prior to me paying the amount in full ( like I always do ). 

Capital One still charged me the {$25.00} late fee and refused to refund that amount. Again, if I am making the payment in full, prior to XXXX  ( EST ), how can they continue to get away with this? Can you imagine the amount of money they make from this frequent influx of money? 

Please see attached document that shows in the lower right hand corner, the date as XX/XX/2024 timestamp : XXXX. The receipt clearly shows the time but on their end it reads '' tomorrow ''.
Consumer complaint received 2020-06-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

FTC Violations Ally Fincl Inquiry : XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-07
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: Fairway Independent Mortgage Corporation (NC)

I had applied for a conventional mortgage through Fairway Mtg in early XX/XX/2024 for approximately {$470000.00}. As time elapsed through the excruciating underwriting process, I received the closing documents. On the document, there were points added to my closing ( approx. {$2300.00} ) without my knowledge or approval. I sent an email to the office manager asking about this additional charge and was told that I received the closing costs at the beginning of the underwriting process. I did receive a closing costs estimate but there were no points on that estimate. In addition, I had been negotiating the price of the property during the underwriting and was able to reduce the cost by {$2500.00}. I told my mortgage office that the price was reduced and to take that amount off of the loan. This was not done, it was taken out of the closing costs instead ( effectively giving them a larger mtg ). 
Once I realized all this and I withdrew my application from Fairway Mortgage. I proceeded to go with another lending institution. Fairway had all my information which the new institution needed but they had blocked me out of the app which stored all my information. The Fairway office manager was often " unavailable '' to my new lender to provide the information needed for this loan. 
I honestly believe they have preyed upon unknowing applicants in the past by adding unnecessary and costly points on the closing.
Consumer complaint received 2024-03-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NY)

Hey, On XX/XX/XXXX, I made transfers totaling {$500.00} and {$600.00} using my debit card through XXXX. However, my bank account shows XXXX transactions of {$400.00} each disappearing. I've tried to resolve this with XXXX but couldn't get any information. I then filed a dispute, but it was closed in less than XXXX hours without any further explanation.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I went to log into my Transunion account to make sure my credit report was locked. When I tried to log-in it said my account was suspended because they could not verify some information. Ive used this account for 5 years with no problem. So I called them, got routed to mobile messaging, they told me to call back. I call back and get a rep, only to be disconnected with no return phone call. 

Horrible Horrible way to handle someone's financial information. Have no way to unlock my account and it needs to be done by friday due to a loan that is currently pending.
Consumer complaint received 2024-03-07
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

My ex girlfriend had a bank with Bank of America her name is XXXX XXXX. She had a checking account in the early months of 2021 she had my XXXX  sent to her account without my permission it was around XXXX. The bank did Flagg and freeze her account due to the checks not in her name. They told me to file a police report and they would release funds back to me. Its been over XXXX  years now and I still can not get the bank to release the funds to me or to even send the money back to XXXX  and let them send me a new check.
Consumer complaint received 2020-06-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (FL)

I don't know how this stuff got on my credit. I didnt sign up for none of these acounts. I never benefited from any of this stuff. My concern is also these inquiries, I want this stuff taken off my credit immediately. They have no right reporting things on my credit that I never had. REMOVE IMMEDIATELY
Consumer complaint received 2024-03-07
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: U.S. BANCORP (AZ)

US Bank is offering lower interest rates then current market rates to borrowers purchasing homes with preferred builders. They are giving higher rates to borrowers that dont purchase with their preferred builder relationships, not to mention they offer closing cost credit to borrowers who are NOT current customers if they open a checking and savings account. They do not offer these same credits to customers that currently hold accounts with them.
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: Bread Financial Holdings, Inc. (CA)

My information has been breached over 8 times in the last 6 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 2024-03-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Linebarger Goggan Blair & Sampson LLP (DE)

Company has sent me a letter dated XXXX XXXX XXXX ; with several misrepresentations and false information. First, the firm stated this was their SECOND NOTICE OF UNPAID TOLLS & FEES. I have never previously received a letter from this company. It states that I owed the local transportation company in my state {$1700.00}, for unpaid tolls & fees that I do not owe. I believe that they are impersonating a law firm. The letter shows XXXX different law firm addresses on it. The letter has my old vehicle license plate number on it also as a scare tactic ; to make me believe this debt is real and to quickly pay it. Also, to scare me into believing this would be placed on my credit report as well.
Consumer complaint received 2024-03-07
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: Pinebrook Holdings, LLC (MO)

On XX/XX/year>, I received a call from Advance Loans phone number XXXX at XXXX XXXX. This is absolutely unacceptable and completely disregards the laws surrounding collection calls before XXXX and after XXXX. I do not even have a loan with this company, according to them I was put down as a reference to someone who received a loan so why would I even have a call this late is beyond me. I have received calls in regards to them looking for that person previously, but never so late in the night while in bed.This is a violation of the Fair Debt Collection practices.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (FL)

Chex Systems , Inc. 
Attn : Consumer Relations XXXX XXXX XXXX XXXX, MN XXXX i contact check Systems so many time the is report XXXX bank account on my name its not correct i ask them for copy the account agreement the never provide the need to immediately do fear credit report
Consumer complaint received 2024-03-05
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Resurgent Capital Services L.P. (GA)

LVNV FUNDING LLC HAS AN ILLEGAL JUDGEMENT AGAINST ME IN THE MAGISTRATE COURT OF XXXX COUNTY STATE OF GEORGIA FOR ACCOUNT ( XXXX  XXXX ACCOUNT XXXX ) JUDGEMENT : ( Civil file action no. XXXX ) LVNV FUNDING LLC HAS BEEN REQUESTED TO REMOVE JUDGEMENT IMMEDIATELY, WITH NO RESPONSE TO THE 30 DAY OLD REQUEST.
Consumer complaint received 2020-06-25
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: Experian Information Solutions Inc. (TX)

FTC Violations XXXX XXXX  Inquiry : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX