davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-30
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. (FL)

i noticed a violations under the 15 us code 1681 and 15 us code 1681b ( FCRA ). The law clearly states the following15 us code 1681b ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Meaning that if you do not have or havent gotten any written instructions from me ( the consumer ) to furnish an account on my report. It should not be there. That is a violation. I never gave written instruction to furnish any of the following accounts. Secondly according to the 15 us code 1681.The law clearly states 1. Accuracy and fairness of credit reporting. The Congress makes the following findings : 2. The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. The following accounts are inaccurate and are in clear violation of my privacy. Which is a violation of the law. This is embarrassing and damaging to my reputation as a consumer. I need financing for a car and this inaccurate report is hindering me. As the consumer I demand the following accounts be removed from my credit report immediately. In addition I demand to have a copy of my updated consumer report once the following changes have been made.
Consumer complaint received 2021-04-27
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Hi and how are you doing? Although I appreciate XXXX XXXX getting back to me in regards to my previous dispute for a negative item or charge-off account reporting, but their investigation did not resolve my underlying issue. It's impossible that you verified this account because it continues to report the same errors, inconsistencies, with multiple inaccuracies, and different dates of last active and different dates of last payment. You mentioned that you sold my account back in XX/XX/2016 to a XXXX XXXX XXXX  - a debt buyer, but no way on my account is showed that it was sold or transferred to them. I believe under the fcra guidelines if the account was sold/transferred it needs to show on my credit report so I can resolve it directly with them. You failed to conduct a reasonable and truthful investigation because it continues to report the same errors and violations as before i disputed.
Consumer complaint received 2022-06-24
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credence Resource Management, LLC (CA)

XXXX XXXX XXXX  Gave my account to Credence Resource Management , LLC for collecting my remaining Ambulance charges. 

Collection Agency name : Credence Resource Management LLC XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Credence Resource management collected {$1000.00}. The actual amount I owed was {$520.00} ( Per XXXX insurance summary of benefits ). So Credence Resource falsely collected {$550.00} ( {$1000.00} - {$520.00} ) from me. 

On calling them multiple times for this issue and submitting my request to refund the remaining amount, Credence Resource Management denied it. ( I still don't know where my money is, or even if I will get it back ) Per the practices of FTC, a debt collector can not collect debt more than what a consumer owes. 

A federal action should be taken on Credence Resource Management for their unfair debt collection practices. When they called me to collect this payment they said that they can not wait until I hear back from XXXX insurance on my benefits summary and I need to owe them {$1000.00} right away. 

XXXX action should be taken for this. In return I must be compensated the nominal interest and the amount falsely charged.
Consumer complaint received 2021-06-30
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Sunset Management, Inc (SC)

I intended to make all loans current as soon as I could. I just recentley have gotten to a place financially where i can begun paying again. I was out of work with XXXX in XXXX. And out of work intermittenley all year due to an national chip crisis in the automotive industry. Sc unemployment took 6months to approve my lay off wages. I also had a XXXX XXXX for the past XXXX weeks. Sunset finance has worked wth me quite well but after explainung all this to them the calls, the at home door knocking and letters on my door step, contacting my relatives, sitting in my elderly mothers front yard or driveway etc etc need i say more ... it gotten way out of hand. And i will not pay anything because I am being harassed to do so. In the process of all this i also had to make a residence move in XXXX and did not informt he company ( not intentionally ) but somehow they acquired my new address and were waiting on me in my complex parking lot when i srrived after a very long frustrating day. I made a payment that day and informed the manager I would be back as soon as my short term XXXX began. But the day I cashed my 1st check the manager was knocking at my door at XXXX on a saturday for 2hrs straight. So i havent made a payment.
Consumer complaint received 2021-06-30
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)

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2020-07-06
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: DISCOVER BANK (GA)

The following accounts are due to identity theft and need to removed and blocked immediately. I have attached a copy of FTC Report and Police Report to this correspondence. 

The following fraudulent accounts need to be removed and blocked immediately under FCRA or legal actions will be taken against XXXX. These accounts were opened by someone who stole my identity and use my information without my permission. I am requesting for XXXX to block and remove these fraudulent accounts immediately within four day of receiving my FTC report. 

1. XXXX XXXX Account # XXXX Balance :  {$3600.00} 2. XXXX XXXX Account # XXXX Balance : {$3700.00} 3. XXXX XXXX XXXX Account # XXXX Balance : {$550.00} 4. XXXX Account # XXXX Balance : {$3000.00} 5.DISCOVER FINANCIAL SERVICES Account # XXXX Balance : {$8600.00} 6.DISCOVER FINANCIAL SERVICES Account # XXXX Balance : {$5500.00} 7.XXXX XXXX XXXX Account # XXXX Balance : {$28000.00} XXXX Account # XXXX Balance : {$3500.00}. 

Under FCRA, XXXX has four days to remove and block these accounts. If not, I will reporting your company to XXXX XXXX, Consumer Financial Protection Bureau as well as my Attorney General Office due to your negligence.
Consumer complaint received 2021-01-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BARCLAYS BANK DELAWARE (HI)

Barclays and Bank of Hawaii have sent me a letter and advertise on their website that I can apply for Covid related payment deferrals, but when I go though their process ( only way is a link through my account ), it will not allow me to submit or process the request. I have been trying to use this link several times since fall but it will not work. When I call Barclays customer service they just say, " sorry you are having trouble, there is no other way ''. Bank of Hawaii customer service tells me I have to call Barclays.

Thank you for your time. 

XXXX
Consumer complaint received 2020-12-24
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: U.S. BANCORP (NY)

I had leased a XXXX XXXX XXXX and the bank is US Bank acct # XXXX The lease was due in XX/XX/XXXX and at that time I was unable to get a new car lease ( lack of option due to lack of production due to Covid ). I called US BAnk and went over th extension options. The options given were either month by month or a 6 month extension. i choose the month by month option as I was hoping to get a new vehicle sooner than later. Each month I would call ( each call took 30 minutes as their customer service stinks and bounce you from department to department ). I would tell them that I needed to extend and would pay by phone. They mysteriously charged me tax again on the lease each month. 

Now that I have turned in my vehicle I have received a letter stating that the lease is in default and I only extended for 1 month. I am currently on the phone with them going on 1 hour, again being transferred from department to department. I am being told that there re now lease termination fees and because the lease has not been extended I know need to pay additional for all the excess miles. 

I have paid 5 additional months, on time, since the end of the lease as I have been instructed to do each month.
Consumer complaint received 2020-09-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A. (MA)

I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation.

2 ) On any account that falls within the 84-month negative reporting  timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information.

3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile.

I respectfully request each investigation to be reported to XXXX,  XXXX  and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. 
XXXX XXXX
Consumer complaint received 2024-12-07
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: Shellpoint Partners, LLC (GA)

I had to file an insurance claim, and when my insurance sent me a check to reimburse me for my claim, they made the check out to me and my loan servicer, Newrez. I endorsed the check with my signature and then contacted Newrez to see what I needed them to do to have them endorse it. 

Newrez sent me instructions to send them the check by snail mail, that they would endorse it and send it back to me by snail mail. I let them know that that was not a good idea, because I already signed it. Their uneducated and uniformed service department proceeded to tell me that I could send them a XXXX mailing label ( they don't do XXXX ), so that they could send the check back to me more securely. 

There are MANY problems with this response. 
XXXX. Why do I have to send them a label? They're servicing my loan at a ridiculous interest rate, so they should probably have the money to make their own XXXX label, which is MUCH easier for them to do than me. Why should I pay for their business fees? 
XXXX. XXXX may track with the label, but that still doesn't insure the package. It's a XXXX check! For me to pay for the insurance on this label, XXXX wanted to charge me over {$80.00}. 
XXXX. Their answer should have been that they would deposit my check and then make out another check to me, sending me that check. This is the only secure way to do this. 

I called them back, and it took me a LOT of explaining for me to even get the person on the other line to understand that I already signed this check, and that once they signed it, it would be fully endorsed. Once the other person finally got it, I told them they needed to deposit this check and send me a new one. She said that she put a note on the account asking them to do that, and that they would. 

Today I opened my mailbox to find an envelope from Newrez. Inside is the fully enorsed check from my home insurance company, not a new check from Newrez. After multiple phone calls, making a formal complaint to Newrez, and assurance that they would make out a new check to me, these idiots put a fully endorsed check for almost {$10000.00} in the mail. I'm lucky to have this check right now and that nothing happened to it. 

This company SHOULD NOT be handling money!
Consumer complaint received 2021-10-06
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: GUARANTEED RATE INC. (OK)

My husband recently retired from the military and received a 100 % XXXX rating from the VA. In our state, this entitles us to no longer have to pay property tax. Our mortgage company is refusing to apply this to our account because our county won't provide a " tax bill '' showing a XXXX balance. Our county has issued us a letter stating that we are no longer required to pay the tax and are exempt for 2021 and going forward. However this is not good enough for the mortgage company, which is ridiculous, because a bill is not going to be any different than a letter. They refuse to talk to us on the phone about the issue, won't call our county to verify and basically just want us to keep paying the property tax amount which is going into our escrow account and won't be used. They have not provided any way other than a XXXX balance tax bill to resolve this issue, but our county has told us that they don't even generate bills for those who don't owe property tax, so there will never be a way to provide the information they are requesting. I am so frustrated trying to deal with them.
Consumer complaint received 2020-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Exeter Finance, LLC. (SC)

I had a car with Exeter Financial Corp that had a remaining balance. I contacted them and they gave me their debt collector information, XXXX. They agreed on a settlement amount of {$1000.00} and the debt would be resolved and removed from reports. I paid the settlement in full XX/XX/2020 and was told it would be updated 30 days. However, the account from Exeter is still showing delinquent on all 3 credit reports. This account is hurting my good credit standings tremendously. I've reached out to them several times to update this information but still have not received any updates.
Consumer complaint received 2021-02-09
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (MS)

I was contacted by Quicken Loans dba. Rocket Mortgage to refinance my VA loan that they serviced. The terms looked good so I agreed and the process began. Everything appeared to go well until the closing approached and the numbers agreed on had changed. I requested that the refinance be terminated and was told it would be so. I was contacted by a 'Resolution Specialist ' and was told he would look into it. He got back to me and explained the increase in payments was due to escrow increases which I agreed, and the refinance went forward to close. My closing was on XX/XX/XXXX and the numbers were as agreed. Six days after close I was told the payments would be higher due to an insurance payment that was made and my payments would be increased. The next day I called and requested cancellation of the refinance and was told it would move forward. Meanwhile I had to make a payment on the original loan to avoid a late penalty.
Consumer complaint received 2022-07-20
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 the month XXXX of 2022 XXXX XXXX XXXX produced a late payment towards my credit report in the amount of XXXX XXXX I've tried to contact the company with no response back so in accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2019-05-05
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (GA)

SYNCHRONY BANK/CARE CREDIT GAVE ME A LIMIT OF XXXX AND LATER REMOVED THE LIMIT A YEAR LATER GIVING ME XXXX ONLY. THEY ARE SAYING THEY PULLED MY CREDIT AND MY SCORE DECREASE. I DID NOT GIVE THIS COMPANY PERMISSION TO PULL MY CREDIT FILE. I ONLY GET CREDIT REPORTS THROUGH XXXX/XXXX  AND NOT XXXX. THE COMPANY IS DOING ME WRONGFULLY. I HAVE ALSO PAID MY BILLS ON TIME.
Consumer complaint received 2020-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (NY)

This complaint has to do with the Equifax data breach and their settlement administrator that was set up to disburse the money. I timely submitted the initial claim for alternative compensation up to {$120.00} to pay for a credit monitoring service. Additional correspondence was later sent to me to verify the name of the credit monitoring service by a certain date or my claim would be denied. I became ill with COVID-19 was unable to tend to my matters. Now that I am well, I tried to cure the matter by opting out of the alternative compensation and electing to receive a cash payment instead. When I called them to do so, a recording stated that the case is under appeal and the funds would not be distributed until a decision was rendered. Because everything was on hold, I asked the company for a little courtesy since nothing would be happening for some time now. However, company still denied me because I was untimely. I know I didnt meet their deadline, yet I think its still unfair that they would deny my claim when theyre just sitting on the money at the moment.
Consumer complaint received 2020-12-05
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. ()

I have a Counbase account which I use to trade crypto currency. I made a sale on XXXX XXXX and then bought back some more XXXX  but this was put into my XXXX  vault without me authorising this. I tried to get this moved to my XXXX wallet from my ethereum vault but it requires a secondary email verification which I no longer have access to. I contacted coinbase support on XXXX XXXX and had no reply. I then re contacted them on XXXX and XXXX via there support page and on social media. I then was asked to verify my account using my driving license and face recognition on Sunday XXXX XXXX which I did at XXXX. I have since tried to contact coinbase to find out what is happening again and no reply until Wednesday XXXX XXXX saying wait 5 days. It has now been the 5 days and I have had no reply from coinbase and currently losing money on trading upwards of 150. Please could you look into this lack of customer support with my own money