davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-02
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: Fay Servicing, LLC (NY)

I have been going back and forth with Fay Servicing since XX/XX/2020. 
My experience has been overwhelmingly exhausting and frustrating. The level of incompetence, lack of customer support and straight lies is unimaginable. I have owned my home for 25 years, lots of blood, sweat and tears, I have no fallback and i have complied with everything they have asked me to do, but I still find myself back in the same position. Since XX/XX/2020, my mortgage balance has increased over {$100000.00} and my current interest rate is 6.5 up from 4 %. NYS has recently approved a XXXX claim for myself and my XXXX yr old daughter who is also XXXX. They claim all their phone calls are recorded, if that is the case my complaint might be the easiest to resolve, just go to voice phone recordings. My contact person XXXX XXXX XXXX is a liar and a fraud, he has yet to return a phone call or reply to an email since day one. The anxiety and stress is more than I could of ever imagined, Im reaching out to you because I need help and Fay Servicing is never available. I could go on for a long time, but I would not have enough space
Consumer complaint received 2023-10-03
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: EQUIFAX, INC. (NY)

These accounts are being disputed because they are not mine and are in my report. 
XXXX  - XXXX XXXX XXXX XXXX XXXXXXXX - XXXX - XXXX
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

TransUnion has violated my rights under the FCRA. 

I have repeatedly reported incorrect information on the credit report regarding a closed account which TransUnion has consistently reported the closed account as opened. 

This misconduct for their financial gain has caused me great stress and loss of credit opportunities. 

TransUnion has claimed that they verified that XXXX XXXX XXXX account is currently opened as of XX/XX/XXXX. The account has been closed since XXXX. 

Please refer to the multiple complaints I have reported to CFPB regarding TransUnion irresponsibility in reporting outdated and incorrect information. The account is CLOSED. 

Thank you
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MD)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX  Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX  XXXX Acct # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Consumer complaint received 2024-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to Experian XXXX a late payment reported by XXXX XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Made on Time : The payment was made on time, as evidenced by the attached bank statement showing the transaction on or before the due date.

Natural Disaster Accommodations : This account was affected by a natural disaster, which should have precluded any late payments from being reported during the affected time frame. 
Clerical Error : There was an administrative error on the creditors part, not reflective of my actual payment behavior. My consistent payment history supports this claim. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (IL)

15 usc 1681 b ) DID I GIVE YOU PERMISSION TO FURNISH ITEMS ON MY CONSUMER REPORT!?!? NO 15 USC 1681e ( b ) & 1681i, Maximum Accuracy & Reinvestigations Do you not follow the law???? Under the law you cant contact me put this on my credit file
Consumer complaint received 2023-10-03
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (GA)

I am receiving numerous emails from COLUMBIA DEBT RECOVERY XXXX DBA GENESIS XXXX XXXX XXXX XXXX, WA XXXX TOLL FREE : ( XXXX ) XXXX MONDAY-FRIDAY XXXX TO XXXX PST stating that I owe money to a company called XXXX XXXX XXXX XXXX XXXX  XXXX 

I have no knowledge of any of these companies, do not owe any money to such company and this is harassment.
Consumer complaint received 2024-03-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I want to file a formal complaint against Portfolio Recovery for egregious violations of my consumer rights.

It has come to my attention after reviewing my credit report that Portfolio Recovery placed XXXX collections on my consumer file without issuing the requisite notice and without notifying me of my right to dispute these alleged debts.

I am unaware of these debts, and I have no knowledge of these debts.

I hereby declare my revocation of all communication channels with Portfolio Recovery, including text messages, emails, and phone calls. I insist on engaging exclusively through written correspondence.

In line with my rights under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ), I am formally requesting that Portfolio Recovery provide a purchase order agreement between them and the alleged original creditors. I am particularly concerned about these collection accounts, which are a total of XXXX and have been posted to my consumer file on XX/XX/XXXX and XXXX 2024. 
I demand the immediate deletion of the accounts from my credit report. 
The dates on my consumer report indicate that I opened XXXX accounts with Portfolio Recovery on XX/XX/XXXX and XXXX 2024 are blatantly false. I neither received any services or products from Portfolio Recovery nor entered into any contractual agreement with them. This misinformation tarnishes my credit history and infringes upon my consumer rights. It is also very deceptive.

Portfolio Recovery is in violation of the Fair Credit Reporting Act the Fair Debt Collection Practices Act and it also Defamation of Character.

Portfolio Recovery has not provided me with validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yet they placed XXXX collection accounts on my credit report. 
Portfolio Recovery has not given me a chance to dispute accounts according to 12 CFR 1006.34 ( c ) ( 4 ) ( I ) Portfolio Recovery is violating my consumer rights by using false misleading misrepresentation and utilizing deceptive means.

Collection agencies have no authority to furnish any accounts to consumer reporting agencies without providing any and all disclosures required by law.

The actions of Portfolio Recovery constitute clear violations of 12 CFR 1006.34 ( d ), 12 CFR 1006.34 ( 4 ) ( i ), 12 CFR 1006.34 ( b ) ( 5 ), and 15 USC 1681-s 2 ( 7 ) ( A ).

I am formally demanding the swift deletion of these collections from my credit report on all the Credit Reporting Agencies that they reported to and I trust the Consumer Financial Protection Bureau will thoroughly investigate and address these infractions Account Number XXXX XXXX Account Number XXXX. XXXX Account Number XXXX XXXX
Consumer complaint received 2024-03-23
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation (CA)

I received a XXXX loan from One Main Financial, they had me sign up with other option, Insurance, if I cant pay that insurance will cover me till i can get back on my feet and start working. When I ask about it, they said I did not qualify to use it because i did not fall under thguide line. The end up repo my car because it was a title loan and my car is not worth XXXX, my car was a XXXX XXXX XXXX truck, XXXX mile on it. So when they sold it, my truck was only worth XXXX, and I received a letter stating i owe XXXX still
Consumer complaint received 2023-10-02
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Atlanticus Services Corporation (VA)

Do NOT waste your time with Fortiva ( " myfortiva '' )! I had two cards with them for almost three years and was NEVER late on any payments and heavily used one of the two. I found out a few days before posting this review that the account I used the most was closed for " OVERUSE '' of the card! WHAT?!? Yes, I used to card too much, and they didn't like it. This was not closed for fraud or anything else since I was an excellent customer. They literally told me ( after I called them ) that they closed the account because I used the card too much. At that point, I had them close my other account with them since I have no trust in their services anymore.

Also, they did NOT notify me of the closure, they just did it and I had to call them to find out why my available credit was XXXX. I received no email, text messages, or postal mail regarding the closure. 

I would also caution anyone trying to rebuild their credit because of their fees ; there are better options out there. Fortiva not only charges a high annual fee, they also charge a monthly {$12.00} " maintenance '' fee on top of the annual fee. JUST SAY NO to this company!
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Shellpoint Partners, LLC (CO)

I bought a property and had a lender. I set up XXXX because I run a rental business and can not focus on paying all my mortgages each month. However, my mortgage got sold to another company. Then I had to setup an account to do autopay. Unfortunately, the company would not let me set up autopay when I was just a few days late on a payment. The whole reason I could not set it up and was late because of the delays in setting up the account. So this was already stressful, like why can I not setup Autopay just because I am slightly late on the payment? Absolute nonsense. So what happened is the next month was an extremely busy and stressful time for me in managing my XXXX businesses. So what happened? My payment was missed because I could not setup the XXXX because I had to wait until the next month ... the whole system seemed to set me up for failure in actually paying my mortgage on time... the lender also did a very poor job in reaching out to me to inform me of the missed payment. They never called and left voicemails. They did send letters via XXXX at a time when they were heavily delayed and losing mail and I also had just moved. This company made no hesitation to report me to the credit bureaus at their earliest convenience after failing to email me or call me... just reaching out via snail mail which never reached me on time. I tried explaining this and pleading to remove this report and they refused. So someone who had an XXXX XXXX XXXX got knocked down to XXXX ... this was devastating as I was unable to refinance on one of my properties. This company has no moral fiber as far as I am concerned and the worst thing is I did not even choose the guys... it was simply sold by my lender without my say so. I know this is how the industry works but when things like this happen it really has major repercussions for the consumer, who is the most vulnerable. Anything you can do to help would be most greatly appreciated.
Consumer complaint received 2023-10-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP (CA)

I open a checking account on the US Bank splash page with the promo code XXXX on XXXX. Based on the promo terms, Ill get {$400.00} bonus after enrolled in online banking and have two direct deposit with total more than {$6000.00}, the bonus will be deposited into my account within 60 days of deposit. 

I completed the task XX/XX/XXXX and after 60 days, I did not received the promised bonus. I confirmed by calling them that I have the bonus code for this account when it open, and I also confirmed with them that I finished all the task at the time XX/XX/XXXX and XX/XX/XXXX. I called to ask them about the bonus, but they never reply back with the research that they are doing which supposed to be concluded in 3 business day. 

Attached is the fine print of the promo, the screenshot of confirming my promo, and my tasks finished on XX/XX/XXXX. 

A minimum deposit of {$25.00} is required to open a U.S. Bank Smartly Checking account. Earn a {$200.00} or {$400.00} bonus by opening a new U.S. Bank Smartly Checking account ( excluding Safe Debit Account ) online, in a branch or over the phone by the expiration date on your mailer. Additionally, you must enroll in online banking or the U.S. Bank Mobile App within 90 days of opening your account. You must also complete two or more direct deposits within 90 days of opening your account that total : {$3000.00} to {$5900.00} to earn the {$200.00} bonus, or {$6000.00} or more to earn the {$400.00} bonus. A direct deposit is an electronic deposit of your paycheck or government benefits, such as Social Security, from your employer or the government. Other electronic deposits or person-to-person payments are not considered a direct deposit. The checking bonus will be deposited into your new checking account within 60 days of direct deposit verification and verification of enrollment in online banking or the U.S. Bank Mobile App as long as your account is open and has a positive balance.
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (OH)

According to the federal credit bureau This creditor XXXX and Citi bank visa credit card have violated my right. 

In accordance to 15 US 1681 C and 1681 R and 1681 m states that creditor arent allowed to report late payments on credit report unless I give consent to, which I do not give consent to
Consumer complaint received 2023-10-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (NY)

Dear PayPal Support Team, I hope this message finds you well. I am writing to express my deep concern regarding the permanent limitation placed on my PayPal account, registered under the email address XXXX Firstly, I believe that this limitation may have been imposed as a result of a misunderstanding or error. I have always strived to adhere to PayPal 's policies and guidelines, and I am confident that I have not engaged in any activities that would warrant such a severe action. 

I kindly request PayPal to re-investigate my case thoroughly. I am hopeful that upon a closer examination, it will become evident that my account has been unjustly restricted. I understand that security is of utmost importance to PayPal, and I fully support their efforts to protect users and the platform itself. However, in this particular instance, I believe there may have been a mistake. 

I kindly request that my account be reinstated if the investigation reveals no wrongdoing on my part. This would not only alleviate the inconvenience I have experienced due to the account limitation but also allow me to continue using PayPal for my online transactions, which I rely on for various financial activities. 

I am committed to cooperating fully with PayPal 's investigation and providing any necessary information to resolve this matter promptly. I value the services PayPal offers and the convenience it provides to its users, and I hope to continue being a responsible and compliant member of the PayPal community. 

Thank you for your prompt attention to this matter. I look forward to a favorable resolution and the reinstatement of my PayPal account. Please feel free to reach out to me at XXXX for any further clarification or information you may require. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Exeter Finance, LLC. (CO)

I had an auto loan with Exeter Finance that matured on XX/XX/XXXX. Due to having deferments on the account, I still owed a balance. I had continued to pay as agreed, and have never gone 30 days past due on making a payment. I called Exeter Finance and spoke with a manager on Tuesday XX/XX/XXXX, as well as Thursday, XX/XX/XXXX due to a payment I had made on XX/XX/XXXX, not properly reflecting on my online transaction history. I was advised that due to the loan maturing, that the next payment date would not reflect online. I specifically asked the manager during both calls, if this would result in being past due with the credit bureaus. During both calls, a manager specifically responded and stated that the loan has simply matured, and that I should continue to make payments as agreed. This is what I have done, however, Exeter Finance is reporting to the credit bureaus as of XX/XX/XXXX that I am 30 days past due making a payment on this account. I have called Exeter Finance and requested to speak with a Credit department, and have been advised that one does not exist. I am requesting additional assistance from the CFPB in regards to this matter and having the late payment reported to the credit bureaus removed, as I am not 30 days past due on my payments and have made at least the minimum payment if not more each month.
Consumer complaint received 2024-03-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TD BANK US HOLDING COMPANY (WI)

In XX/XX/year> I paid off my full balance of what was owed online. It showed a XXXX balance with no future payments. I received no further communication of a past due account, no right to cure. I did receive phone calls from a number that showed likely a scam. So I ignored it. I received no email from the company about a past due amount, no other forms of communication. Finally I answered the scam call just to tell them to stop calling so much, and they said they were from TD bank. I asked who that was cause I don't know a TD bank. They said they wouldn't tell me unless I gave them my personal information. I told them I wouldn't tell them my person information unless they told me who they were. They wouldn't, so we ended the call. Many days later they were XXXX again calling many times, so I answered. Then they said it was about my XXXX account. Then I recognized the inquiry. They said I was many months past due on the account. I told them that's impossible cause I've received no email or anything stating I was past due. They said they tried calling, and I wouldn't received anything cause I selected no paper statements. They said they don't send out right to cures or anything indicating a past due amount. Only statements but I selected no paper statements. I asked to a manager, but they wouldn't give me one. They kept giving supervisors and said the managers were too busy. They stated they submitted to the collection agencies of my account being past due. That they'd be willing to get rid of the late fees, but the reporting of the account only a manager can do. So I kept requesting a manager so I could state my case, but they wouldn't give me one. They placed on the account for a manager to call but only associates kept calling, with no help in reaching a manager. They never took off the late fees like they said they would, and had a complaints department supervisor call me instead. She then lied about paper statements going out, after an associate telling me paper statements didn't go out due to me selecting no paper statements. They've continued to call and harrass me after I've asked them to only have a manager call me. They've had no other way to contact me aside from calling me from a number that comes up a scam. This all could have been taken care of and no late charges or reporting if they had alternate way of contacting me about a past due amount. Text, email, Right To Cure, etc. They had both my email and my phone number. But utilized only XXXX way to contact me. I feel their lack of ways to communicate have put my account into negative standing since the account showed a XXXX balance, and I personally didn't make any purchases.