davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (NC)

I hope all is well.. 

I would like to state thank you very much for giving me PayPal credit with your company for all these years. Its very much appreciated. The first time in all the years I have had my PayPal credit during the pandemic of the Corona virus I was late a couple times for the first times. I really do apologize my hours were reduced and I had a baby as well. It will not happen again because Im back working my regular hours and my newborn and son are in daycare while I work or my mothers watches them. Im about to pay PayPal credit completely off and as a courtesy can you please take off all the late fees that occurred because it was the pandemic fault. This will help me out a lot, I really do apologize this my first time being late a couple times ever since I started with the PayPal credit. Please take all the late fees off. I will be paying PayPal credit off in the next couple of months. I really need the late fees off it will really help me. Thank you very much. Have a wonderful day and please be safe. 

XXXX XXXX XXXX
Consumer complaint received 2023-03-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TN)

On XX/XX/2023, Portfolio Recovery Associates LLC sent hearsay statements on an alleged account that was not owed. PRA is failing to cooperate with me in providing the proper documentation I have asked for. As asked for with my original complaint here and with my complaint with the Tennessee Department Of Commerce and Insurance ( Collection Board ) They have failed to provide a contract with my signature consenting that I have allowed to conduct business with them, they have failed to provide an original purchase agreement with my signature on this alleged account, they have failed to provide a cardholder agreement signed on this alleged account, and failed to provide a sum certain showing how this alleged amount was arrived at. PRA has failed to show proper verification as " Verification '' is defined in XXXX XXXX XXXX ( XXXX XXXX ) as " Confirmation of correctness, truth or authenticity by affidavit, oath, or deposition ''. I demand this to be verified by an affidavit from a competent person. If PRA can not verify or provide the proper documentation on this alleged account I demand PRA to close this file within their office, cease collection activity, and do not report to ANY of the credit bureaus. I will not tolerate PRA unfair business practices and I will not engage in any business activity on an alleged account with PRA that I did not consent to.
Consumer complaint received 2021-06-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BARCLAYS BANK DELAWARE (NY)

I have been locked out of my Barclays bank online savings account and have seen activities on the account that made no sense in which they tried to keep my funds and reverse my funds. I belive due to themselves or one of there representative s working in collaboration with XXXX XXXX XXXX.
Consumer complaint received 2023-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (RI)

My XXXX XXXX account shows late. This account was never late I have sent countless letter to XXXX, XXXX, and Experian about it and have not heard one thing back. This is extremely urgent and it is holding back my score. Please update account to paid never late.
Consumer complaint received 2021-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

Hello, I hope this message finds you well. A couple of months I reviewed my credit profile and seen inaccurate information regarding my XXXX This is unfair. This doesnt represent me as a borrower since the service guaranteed wasnt effective, it wasnt working at 100 percent. Prior to submitting this complaint, I have sent over 3 letters to the Bureaus advising of the poor services rendered from this Company causing this alleged collection. However, all bureaus have avoided me. This makes me angry my consumer rights are being violated! I have the right to dispute any misleading information. I saw a ton of inaccuracies as well ( different open/close dates ). Doesnt this go against the FCRA Laws?
Consumer complaint received 2023-03-22
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: NEW YORK COMMUNITY BANCORP INC (NC)

Received payoff statement from Flagstar Bank on XX/XX/2023. Paid {$180000.00} via wire transfer which was made available same day. Flagstar Bank confirmed wire transfer in the amount of {$180000.00} was received on XX/XX/2023. My complaint is regarding {$19.00} which states that funds credited after XX/XX/2023 will require an additional {$19.00} per day. Flagstar Bank 's payoff statement states " Payoff figures are good to ( closing date, when applicable ) XXXX. Funds received after XXXX XXXX XXXX may be credited the following business day. '' I would like to apply emphasis on the verbiage and use of terminology with the word " may '', this does not clearly define if I will or will not receive additional charges. Despite the funds being received on XXXX and Flagstar confirming receipt of funds, Flagstar is stating they have the discretion to penalize consumers or not penalize consumers the additional {$19.00} amount daily fee. If funds are received and confirmed that they have been sent that day, the business is operating in an unethical manner by choosing when the funds are applied or not applied to the account and allows the company to penalize the consumers with penalties and fees that the consumer has no control over. This statement and business process needs to be reviewed and modified in a fair and ethical business manner for consumers moving forward.
Consumer complaint received 2021-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Mr. Cooper Group Inc. (AR)

On XX/XX/2021 I checked my credit report and noticed that Nationstar/Mr.Cooper has not reported my mortgage payments to the credit bureau from XX/XX/2021 until XX/XX/2021. I called the XXXX XXXX credit reporting company and spoke with one of their agents and told them the balance on my mortgage account is incorrect. The correct balance as of XX/XX/2021 should be {$22000.00}. My mortgage is current and in good standing. 
I filed a dispute with the XXXX XXXX agent and she said the compliant has been sent to Nationstar/Mr.Cooper. I have not heard back from them.
Consumer complaint received 2022-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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 a account without my written instructions
Consumer complaint received 2021-10-08
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CITIBANK, N.A. (IL)

I made an on-line purchase, a washer/dryer set, on XX/XX/2021 in the amount of {$1500.00} from XXXX at XXXX via a newly opened XXXX credit card ( i.e., " Citi '' ). The installation was NEVER incompleted, parts are still missing, and I did not receive a warranty. I filed a complaint with CFPB ( i.e., see CFPB complaint # XXXX ) on dated XX/XX/2021. I received a response today, Thursday, XX/XX/2021 from CFPB. In the response from XXXX Credit Card they indicated a credit was issued on my account for {$1500.00}. Where is my refund check for {$1400.00}? The fact, is I requested a refund. I paid {$1400.00} in XX/XX/2021 before the payment due date of the {$1500.00}, leaving a balance of {$190.00}. On XX/XX/2021, XXXX Credit Card ( i.e. " Citi '' ) indicated by letter that they were processing a credit for {$1500.00} and would reverse of interest, finance charges, late payments accrued during the billing dispute. However, I continued to receive collection calls, e-mails, invoices, even after their letter dated XX/XX/2021. I requested a cease and desist of all collection because I did not owe XXXX Credit Card any money and their letter dated XX/XX/2021 indicates it, although, XXXX Credit Card continued to pursue me for a debt that I did not owe. I requested XXXX Credit Card to repair my credit reports, as well as, close my XXXX Credit Card ( i.e., " Citi '' ). I do not intend to make purchases from XXXX? I want them to close my account and issue my {$1400.00} refund check by XXXX XXXX. on Thursday, XX/XX/2021! Where is my refund check {$1400.00} from XXXX Credit Card ( i.e., " Citi '' )? There was NEVER a {$1500.00} credit applied and/or issued to me! If a credit was applied for {$1500.00}, where is my refund check for {$1400.00}? I believe, XXXX Credit Card ( i.e. " Citi '' ) is committing fraud. I want my refund check by XXXX XXXX. ( CT ) on Thursday, XX/XX/2021.
Consumer complaint received 2023-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CO)

On XX/XX/2023, my wife called XXXX XXXX XXXX XXXX and made our XXXX Payment of {$3300.00} ( Acct # XXXX ) and received confirmation of the payment via Authorization # XXXX from the XXXX  payment system. While monitoring our Bank account to ensure the funds were debited via ACH, we noticed the funds remained in our account for a period longer than normal. On XX/XX/2023, my wife inquired with our bank to see why and learned that the ACH debit was not allowed due to an error with the input of the bank account number that was entered by voice on the call. My wife called XXXX to see what kept the ACH from happening and was told she gave the wrong Account number when arranging the transaction. She then processed the payment again on XX/XX/XXXX. Our complaint is that if XXXX uses an automated system to take payments, they should give us credit for making our attempt to pay on XX/XX/XXXX because we received a confirmation accepting the payment with the authorization number. The funds were available but we believe there may have been a glitch in their automated system that created the error. Nevertheless, we have never had a XXXX late for our mortgage, ever, and both of our credit reports took sizeable hits not reflecting our effort to make the payment on time.
Consumer complaint received 2021-10-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (CA)

I requested a PMI cancellation with Flagstar bank from most likely having 80 % LTV ratio due to the large appreciation value in properties in CA. i followed all the rquirements by Flagstar bank including submitting the PMI waiver form. However, flagstar refuses to listen to my request or carry out an appraisal sighting a " seasonal requirement '' of 24 months before i can make that request. I have only had the home since XX/XX/2020 and they will not fulfill the request due to this 24 month seasonal requirement. However, as stated on your website, " XXXX XXXX and XXXX XXXX, often create their own PMI cancellation guidelines that may include PMI cancellation provisions beyond what the HPA provides. But these guidelines can not restrict the rights that the Home Protection Act provides to borrowers ''
Consumer complaint received 2023-03-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: FIFTH THIRD FINANCIAL CORPORATION (TN)

I have 3 accounts at fifth third bank and scammers from XXXX took over XXXX k over the last years out of accounts and bank is closing my account and not reimbursing any monies or charges. I was told I should have seen this in my online banking but me and my husband just assumed we were buying things, so this is the excuse they are using, my banker thinks it is wrong that they owe me.
Consumer complaint received 2023-03-22
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: STATE EMPLOYEES CREDIT UNION (NC)

I asked for verification documents including the original signed agreement, date the account was open/closed, and details of the charges including interest and the dates of the charges. I have not received any verification documents pertaining to this account showing on my credit report. Also In accordance with the Fair Credit Reporting Act XXXX Acct # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C Section 604 A section 2. It also states that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-03-22
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: GOLDMAN SACHS BANK USA (VA)

I went to use my debt card Saturday XX/XX/XXXX it was declined I called the bank to figure out why and learn I had a garnishment and my account was frozen the bank gave me a number to call, I called to see what was going on to learn that I had been sued by XXXXXXXX XXXX XXXX in Ohio a state I haven't lived in for 15 years and was sending all correspondence to a 15 year old address in Ohio instead of my address on file with the original creditor. The " attorney '' I spoke with was completely unprofessional and refused to give me any information saying it was all confidential even though the suit was against me and refused to release my account even though they illegally sued me in another state and i never received any correspondence of said suit or debt collection and the disclosed my information of my debt to an unknown individual. I had to get in contact with the original creditor to explain the situation whom then contacted XXXX XXXX XXXX to file a motion to vacate and release my account because the address they used was not one in my file or the state I live in. XXXXXXXX XXXX XXXX  are practicing illegal tactics to not notify the parties with malicious intent for parties to not show up to court. If this happened to me, how many other people has it happened to? I believe XXXXXXXX XXXX XXXX need to be investigated. My rights were violated.
Consumer complaint received 2022-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

Account name XXXX XXXX  Account number XXXX Account type Auto Loan Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$9.00}, XXXX written off. {$9.00}, XXXX past due as of XX/XX/XXXX Status updated XX/XX/XXXX Balance {$9600.00} Balance updated XX/XX/XXXX Recent payment $ XXXX Monthly payment {$650.00} Original balance {$12000.00} Highest balance {$0.00} Terms 42 Months On record until XX/XX/XXXX ( IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX  ACCOUNT HAS VIOLATED MY RIGHTS.

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 a account without my written instructions.

15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open consumer credit plan as late for any reason.
Consumer complaint received 2021-08-20
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NJ)

I have been complaining about Navient for a long time and had given up. I tried to get my brother off as a co-signer as he had XXXX and wanted to get this off his credit for his finances. I have been paying the loans. I paid on time for over a year and denied again. I have decided after that Navient is a disgrace. Then I did not get a raise last year because I can not make anymore money in my role at work. I can not make more than {$60000.00} a year. I spent all of Covid taking care of my ill mother who is XXXX. Its been an economic struggle. My Navient loan never goes down, and I can not refinance them. This company is disgusting and now I started paying 10-15 days late because I am so disgusted. Why didnt they take the co-signer off? Theres always an excuse. Why cant they lower the interest rate? What an outrage and trampling of human beings. Im XXXX years old paying for my sons education. I have paid for my sons private education since kindergarten it is my greatest and most proud gesture as a mom. My ex husband never paid a XXXX. I feel that Navient is wrong with co-signer relief, with interest rates and most importantly the loans never go down.
Consumer complaint received 2024-08-14
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: Selene Holdings LLC (NJ)

On XX/XX/year>, application for mortgage assistance and supporting documents were filed with Selene Financial requesting a short sale. 
Between that date and XX/XX/XXXX, I was waiting for a review to see what was needed to continue this review On or about XX/XX/XXXX, I was told certain documents were needed by XX/XX/year>. 
I then emailed over those documents on XX/XX/XXXX and XXXX. Selene confirmed that they received them on XX/XX/XXXX. Since then I confirmed with various Selene representatives that the documents were received in their system. 
I learned that my file was closed because Selene didnt receive the requested documents before the deadline, which wasnt true. 
Since XX/XX/XXXX, I have not been able to reopen this matter or find a reason it was closed. My case was escalated various times to the short sale department, with no resolution. 
I even requested a supervisor call back, which happened, but no resolution came of it. I then requested to speak to the ombudsman department, and I was promised a call back, which didnt happen which is why Im filing this complaint. 

During this time, though, they have paused my foreclosure. If my file was closed then why was the foreclosure paused? What reason?
Consumer complaint received 2021-05-27
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2021-04-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions (TX)

My wife and I lived at The XXXX of XXXX XXXX apts for XXXX years with no issues ever. We were purchasing a new home at some point in middle of 2020 so we didn't want to sign a lease term because we weren't sure how long it would be until we bought a home and we didn't want to pay an early term fee. We submitted our 2 months notice on XX/XX/2020 and we moved out 60 days thereafter and paid our final bill, which showed that we actually were owed a bit of money back after our deposits were applied. However, I just received a notice on our credit report that we were sent to collections for nearly {$3000.00}, in spite of never receiving any communication prior letting us know about this balance, as we would have had the chance to dispute the inaccurate amount before it damaged our credit in the midst of a refinance of our new home. The collection agency doesn't have sufficient information that proves this balance is owed whatsoever ( because it isn't owed at all ). This is a violation of the Fair Debt Collection Act and we are entitled to damages resulting from their negligence.
Consumer complaint received 2023-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In accordance with the Fair Credit Reporting Act everything has to be 100 % correct. 

XXXX XXXX :XXXX The credit bureaus stated my account was properly investigated but the account type, the open date, credit limit, high credit, last reported, date last active, and the date of last payment are not accurate. This is ground for removal. 

They have also violated my rights under 15 U.S.C 1681 section 602A. It states I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 ; Also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-03-01
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MS)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.