davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC (GA)

I wasnt aware my loan was transferred until I looked into it myself. I have been transferred from U.S. Auto Sales to Westlake Portfolio Management. I was also being charged hidden gap fees by US AUTO. Also was tricked into having a high APR. 

I can no longer locate their website that contained my documents. I believe theyve taken it down.
Consumer complaint received 2024-03-07
Product: Prepaid card — Gift card
Issue: Unexpected or other fees — 
Company: Incomm Holdings Inc. (CA)

Vanilla Gift card that had {$500.00} has been hacked. I only used it once at XX/XX/2023 for an online transaction. Then I saw the balance being {$0.00} and saw an unfamiliar transaction of the rest of the money spent {$460.00} on XXXX at XX/XX/XXXX. My mom also has this problem because we both have gift cards and both hacked. Both of our cards were hacked at the same day at later times.
Consumer complaint received 2020-08-20
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: Franklin Collection Service, Inc. (MI)

I have a loan with XXXX XXXX XXXX, FRANKLIN COL ( Original Creditor : XXXX XXXX ), and XXXX XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX XXXX XXXX, XXXX XXXX XXXX, FRANKLIN COL ( Original Creditor : XXXX XXXX ), and XXXX XXXX XXXX with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2018-12-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (CA)

Cash withdrawal was taken using my credit card number issued by XXXX. At the hour of withdrawal Philliipino Agent of of XXXX call me at my home number and asked if I had made a withdrawal 35 minutes ago, when I stated NO I HAD NOT MADE ANY!!! 
The agent said thank you, we had caught a fraudulent transaction, do not worry we cover you 100 %. I had talked to the reps of XXXX 4 times already about the charge, two times blocked the card, and issued NEW CREDIT CARD!!! However, the {$400.00} and the {$20.00} cash withdrawal fees ARE STILL ON MY CREDIT CARD TO COLLECT!!! 

The use of incompetent, hard-English speaking phillipinoes providing a nightmare type of services and the US oversite does not correct the massive problems! 
I ask that XXXX would receive a strong denunciation of their CREDIT CARD OPERRATION, and correct the instant problem in a timely manner!!!
Consumer complaint received 2017-12-31
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: LendUp Loans LLC (CA)

understanding that I would get a loan at a better rate for longer periods of time, this I did not get.I was one of lendup customers in XX/XX/XXXX-XX/XX/XXXX, last account # ending in XXXX, this lendup was ordered to payback money by the cfpb in XX/XX/XXXX, please tell me where to get back whats mine
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: Resurgent Capital Services L.P. (CA)

I have never heard of consumer adjustment company, XXXX XXXX XXXX, this showed up on my credit report in XX/XX/2023. I spoke with the company & explained that this debt does not belong to me. I have a copy of my credit report where this item is on there.
Consumer complaint received 2024-03-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (MI)

Dispute Letter to I.C. Systems XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

XXXX, MI XXXX XX/XX/2024 I.C. Systems XXXXXXXX XXXX  XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX : XXXX RE : Dispute of Debt and Request for Validation Dear Sir or Madam, This letter serves as a formal dispute of any and all debts I allegedly owe to I.C. Systems. I am writing to request validation of the debt, in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).

1. Debt Dispute and Validation Request : Pursuant to 12 CFR 1006.34 ( b ) ( 5 ) and 15 USC 1681-s-2 ( 7 ) ( a ), I demand complete and accurate validation of the alleged debt you claim I owe. This validation must include : The name and address of the original creditor. 

The date the debt was incurred. 

A clear and specific identification of the goods or services for which the debt was incurred. 

The original amount of the debt. 

The current amount of the debt, including any interest and fees. 

Verification of the debt 's ownership by I.C. Systems. 

2. Request for Purchase Agreement : I further request a copy of the purchase agreement between I.C. Systems and the original creditor, in accordance with 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This document will assist me in verifying the validity of the debt. 

3. Proof of Licensure and Bonding : Under 12 CFR 1006.34 ( d ), debt collectors must be properly licensed and bonded to collect debts in the state of residence of the consumer. Therefore, I request proof of I.C. Systems ' current licensure and bonding in the state of Michigan. 

4. Revocation of Communication : Finally, I hereby revoke all permission for I.C. Systems to contact me through any means, including email, text messages, and phone calls. Any future communication must be made through certified mail, addressed to the above address. 

Please note that I am prepared to pursue legal action if I.C. Systems fails to comply with these requests or engages in any further collection activities without proper validation. 

Sincerely, XXXX XXXX XXXX XXXX.
Consumer complaint received 2020-06-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credence Resource Management, LLC (LA)

I am disputing the debt as reported by CREDENCE RESOURCE MANAGEMENT for {$620.00} from XXXX XXXX I do not have any responsibility for the debt theyre trying to collect because this was closed and the amount charged-off three years ago. I have disputed this debt before. This continues to affect my credit score which falls under unfair practices. 

Documents of proof have never been provided to me and the reason is, they do not exist.
Consumer complaint received 2016-09-28
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY (HI)

I Opened a new platinum card with American express as I was invited with a XXXX point signup bonus, requiring the annual fee to be paid immediately. I met all the terms of the signup bonus and was credited XXXX points. I spend XXXX a year on my amex everyday card, and found that i prefer the benefits and rewards of my everyday card, so i decided to close the platinum card before fee renewal as I do not travel much. I find out XXXX amex decided to claw back all my XXXX points, despite there being no clause or mention in the agreement that account closure before renewal will forfeit those points. I still have a rewards account tied to my amex everyday preferred card. Please help with this unfair and deceptive practice!!!
Consumer complaint received 2024-03-06
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (CA)

I've completed the minimum spending requirements of my Chase XXXX XXXX card in XX/XX/year>. Until today, however, I still haven't received the 5 free night reward which was promised when I opened the card. I've contacted Chase at least three times and everytime they said they were going to investigate and I was instructed to talk to XXXX. I spoke to XXXX and XXXX confirmed there was no mismatch on their end so I was instructed to talk to Chase instead. As a result, I've been unable to use my free night awards and therefore has missed two ski trips this year.
Consumer complaint received 2017-12-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc. (CA)

XXXX, XXXX XXXX XXXX is a 3rd party agency along with another agency EOS CCA a debt collector and is been sending me notices for a debt in the amount of {$1000.00} I have requested a contract with signature that I have account with XXXX XXXX XXXX AND EOS CCA DEBT COLLECTOR.. i have yet to receive contract with signature. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX EOS CCA XXXX XXXX XXXX XXXX MA XXXX
Consumer complaint received 2016-04-13
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: HSBC NORTH AMERICA HOLDINGS INC. (AR)

Over the years I 've received collections calls from a " collections agency '' collecting debt for HSBC XXXX credit card. I was a college student in XX/XX/XXXX when that card was received. I do n't believe i ever used the card, if i did, I paid it off and if i owed them they should have taken action nearly 20 years ago. Before I became internet savvy, I 've fallen for what I think now is a scam maybe twice before and ended up sending these people money I really did n't think i owed. It was probably over 10 years ago since I sent them {$200.00} dollars at least. Now they are back for more money. They called leaving a threatening message that my mom picked up. She 's XXXX y/o and was frantic and upset after she called the number back to people threatening to lock me up. I am in Arkansas but there is someone in OK threatening to push a summons through if I do n't cooperate. I believe this is a scam and do n't want to be burden now or later from a company who ca n't provide me any written documentation on what I owe, if i even do at all. The number they called me from is XXXX " Detective XXXX '' he says he 's from some county courthouse not even in the state where I reside.
Consumer complaint received 2024-03-06
Product: Credit 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: DISCOVER BANK (SC)

I had done business with a company earlier in the year and the company charged me at a later time for items we had discussed but never authorized to charge. Credit card company ( Discover ) says that if at any point you did transactions with the company that it can not be considered fraud because you have given a company your credit card info prior for prior transactions.
Consumer complaint received 2024-03-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company (TX)

I have paid on my mortgage for XXXX yrs without issues. I never had an escrow account. I owe $ XXXX on my loan. My home is worth over $ XXXX. Freedom Mortgage bank paid my property taxes for XXXX in XXXX of XXXX. I was going to pay them late in XXXX. The bank placed me on escrow stating they were protecting my home from XXXX XXXX having XXXX on my home. In the XXXX this is the first time in escrow. They refuse to release me from escrow. I had refinanced with XXXX XXXX XXXX, no longer in business, then XXXX XXXX  who bought the loan, then XXXX XXXX and now XXXX XXXX. I was told that there was a stipulation in my original loan that stated if I defaulted in paying property taxes, I would be placed on escrow. I never signed a contract with the banks that took over my loan. I paid my property taxes for XXXX. XXXX XXXX  submitted payment that was not cashed and they stated they are waiting on their refund check from XXXX XXXX. They already verified their payment not cash. Meanwhile Im having to pay {$2300.00} so I wont default on my loan. I am retired and on fixed income, over XXXX old. I will now be able to pay property taxes without interest on XXXX equal payents. I am currently paying XXXX times what I normally pay on my mortgage. My mortgage is {$810.00} but now being charged {$2300.00} a month. What this bank is doing is wrong.
Consumer complaint received 2024-03-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Shellpoint Partners, LLC (TX)

I lost my XXXX  job in XXXX of XXXX, I contacted Shellpoint Mortgage about the forbearance they sent me the paperwork, and on XX/XX/XXXX I sent in my paperwork for forbearance. I was given a point person to work with. In XXXX, I got an XXXX  job and was ready to start paying again. On XX/XX/XXXX I received a letter stating that Shellpoint Mortgage Servicing had reviewed my request for loan modification and was unable to complete it because they did not receive all of the required paperwork. In XXXX I was assigned a new point of contact and had to start the process all over again. At the beginning of XX/XX/XXXX, I was given a new point of contact and again the process had to be restarted. After sending in the documents multiple times. I received a letter on XX/XX/XXXX stating that my response package is considered incomplete. Documents due XX/XX/XXXX ... During the evaluation process, your property will not be referred to foreclosure. on XX/XX/XXXX I received a notice of trustees sale. The house was now in foreclosure. Again, filed for a forbearance, and again uploaded the same docs into their system. I did finally get a forbearance in XX/XX/XXXX for XXXX months and the foreclosure was stopped. I got a second job at this time so I could pay off what I owed them, but I was locked out of my account and could not pay until a repayment plan was issued, and had to file more paperwork for that. In XX/XX/XXXX, I lost both of my jobs. On XX/XX/XXXX, I was notified that I'm eligible for repayment with {$5000.00} down and a monthly payment of {$7100.00} due on XX/XX/XXXX. I also received a letter that same day that my house was in foreclosure and that the sale would be conducted on XX/XX/XXXX. I hired a lawyer who temporarily stopped the foreclosure. Now I owe the lawyer and the mortgage company and have been feverishly looking for full-time work. I tried getting a loan, but since my credit is shot from foreclosure, no one will loan me the money. There is plenty of equity in the house, but the mortgage company won't refinance the house to cover the missing payments. This would solve all the problems. Does anyone have advice on what my options are?
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

After receiving a, " XXXX XXXX  ALERT, '' Concerning my XXXX Credit Report I do not have/nor have had any contracts or attempts therein for contracts/Leases with any of the, " Ascertained Named Companies/Financial Institutes XXXX XXXX BELOW The information obtained was, FRADULENT therefore, I REQUEST IT BE IMMEDIATELY REMOVED FROM MY CREDIT AS FRADULENT. 

FRADULENT INQUIRIES AS SEEN ON CREDIT REPORT : 1. ) CAPITAL ONE BANK USA Inquiry : XX/XX/XXXX XXXX. ) XXXX Inquiry : XX/XX/XXXX XXXX. ) CAPITAl ONE BANK USA Inquiry : XX/XX/XXXX XXXX. ) XXXX Inquiry : XX/XX/XXXX XXXX. ) CAPITAL ONE BANK Inquiry : XX/XX/XXXX XXXX
Consumer complaint received 2017-03-14
Product: Credit card — 
Issue: APR or interest rate — 
Company: AMERICAN EXPRESS COMPANY (TN)

Solicitation from American Express for premier rewards card with no clear and distinctive reference to it being a charge card. Furthermore it is to paid in full at end of the cycle and no clear and distinctive reference in the entire contents of the solicitation. 
Letter from American Express customer advocate services team states the pay over time with information with the APR are in a separate letter. 
Conclusion of such practice is Consumer misleading with no clear disclosures and enticing offers that could be a potential debt trap.
Consumer complaint received 2024-03-06
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I HAVE RETURNED MAIL FOR A XXXX XXXX WHO DOES NOT WORK HERE.  I HAVE RETURNED OVER 4 TIMES AND SENT A LETTER.  THIS IS PRIVATE INFORMATION FOR A INDIVIDUAL.  THEY KEEP SENDING MAIL FOR A XXXX XXXX TO XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX  NO ONE KNOWS THIS INDIVIDUAL.  THEY NEED TO REMOVE OUR ADDRESS AND CONTACT XXXX XXXX FOR A UPDATED AND CORRECT ADDRESS.  IT SAYS ON THE ENVELOPE RETURN SERVICE REQUESTED SO WHY ARE THEY SENDING HIS MAIL AFTER I SENT NUMEROUS RETURN TO SENDER PLUS A LETTER.  IT IS BANK OF AMERICA XXXX XXXX XXXX XXXX, TN XXXX
Consumer complaint received 2024-03-06
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (NY)

I am writing in regards to XXXX credit cards that have been opened without my knowledge.One card was opened in XXXX of XXXX which has a balance of {$2700.00} and the second card was opened in XX/XX/XXXX which has a balance of {$4000.00}. I would like for the accounts to be closed and removed off of my credit report by the XXXX credit bureaus. These cards are not mine and and fraudulent. I would like this to be handled immediately.
Consumer complaint received 2024-03-06
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Problem started around XX/XX/2024 and in various amount from $ XXXX {$80.00}. I was making payments towards my Capital one credit card by using mobile app on my phone. For some reason the payment was deducted from someone else 's account and I was not aware of. I have no idea how this happened and I no knowledge how someone else banking account got tied to my mobile app when I was making the payment. Capital one credit card accused me of fraudulent and intentionally making these payments and as a result, Capital One cancelled all my credit cards!
Consumer complaint received 2024-03-06
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BARCLAYS BANK DELAWARE (NJ)

I Saw this on my XXXX XXXX app a couple of weeks ago. There is a balance of {$860.00} on my credit from Barclay Bank of Delaware. I called them and they said that this is a charge card that was opened in XX/XX/2023. I told them that it's not mine. They told me that they would note this on their end. They advised me to file a dispute with the XXXX credit bureaus. I did this. Now I just received correspondence in the mail stating that this appears to be legit. I'm still stating that this charge card, balance, whatever is not mine. I also wanted to note : I've never received a bill, credit card, nothing. As I stated, I saw it on XXXX XXXX.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ACIMA CREDIT, LLC (VA)

I have been disputing this account for almost a year. I continue to ask for proof to validate the account but have not received it. Taking a look at the account on my credit it is showing my last payment as XX/XX/2019, however my two year payment history shows the account being Charged off in XX/XX/XXXX ', XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX. The account also shows I was 60 days late in XXXX as well as 60 days late in XXXX, how is this possible? This is clearly a violation of my rights according to the FRCA and I demand this be investigated immediately and provide me written proof of each violation currently showing on my credit. I have attached a copy
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AmerAssist A/R Solutions, Inc. (SC)

AMERASSIST AR SOLUTION is the company I contacted by mail, making several attempt & have not been contacted back. I need this deleted from my credit report because this is not mine & the company mentioned above failed to provide me with information I requested.
Consumer complaint received 2024-03-06
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION (NE)

Capital one auto finance keeps calling our business line. They will not give a name or any other information, but refuse to take our business number off whatever account it's on. We have lost out on several different clients due to being unable to leave a message because our voice-mail is full of these spam calls. It is costing our business money. As a business, we have called their number 5 separate times and requested the number be taken off. They are not following thru. We advised them if they keep calling we will file a report and get an attorney if necessary. It's absolutely harassment to continue to call a wrong number when asked 5 times not to.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Bread Financial Holdings, Inc. (CA)

There are several credit inquiries and accounts opened under my identity between the dates of XX/XX/XXXX - XX/XX/XXXX. In addition, my personal debit card was compromised and I disputed the purchase made on a both my debit card and a XXXX XXXX account that i never opened. 

Unauthorized hard inquiries 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  - unauthorized credit card opened on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Consumer Portfolio Services, Inc. (IL)

I have several hard inquiries on my credit report that I'd like to categorize as fraud and completely inaccurate. According to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 I am within my right to report this information on my credit report as inaccurate and would like said inquiries removed. 

Companies Listed : - 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 2024-03-06
Product: Vehicle loan or lease — Lease
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: AMERICAN HONDA FINANCE CORP (DE)

The car taken in XX/XX/2023, I wrote American Honda financial I wrote wrote the all the credit bureaus included this company with all the law violating and nothing had happen yet. Im the beneficiary and surety of this account although you might have titles. I have equitable interest which outweighs anything that you might have. Im Surety, delete this accounts