davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC (FL)

Account Number : XXXX XXXX XXXX XXXX Other Collection Agencies XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account Balance : {$1100.00} Account Number : XXXXXXXX XXXX XXXX XXXX  Other Collection Agencies XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account Balance : {$710.00} Subject : Notice of Dispute of Debt and Demand for Verified Documentation Fair Debt Collection Practice Act ( FDCPA ) Fair Credit Reporting Act ( FCRA ) To Whom it May Concern, I am wiring regarding the unpaid debts on the derogatory accounts listed above, which I dispute and attempt to correct your records. By sending this letter I am disputing both the validity of the alleged debt and the validity of your claims. Please be aware that any information I received from you will be collected as evidence should any further action be necessary. Please also be advised that non- compliance with my demands, could put your company in serious legal trouble. 
According to the FDCPA, I have the right to request validation of the alleged debt or competent evidence that bears my signature and shows I have some contractual obligation to pay your company. 
I hereby DEMAND that your company will provide me under penalty of perjury with the following verified documentary evidence of alleged debt : Agreement with the creditor that authorizes you to collect on this alleged debt ; The agreement bearing my signature stating that I have agreed to assume the debt, 1 Valid copies of the debt agreement stating the amount of the debt and interest charges ; 2 Proof that the Statute of Limitations has not expired ; 3 Complete payment history on this account along with an accounting of all additional charges being assessed ; 4 Proof that you are licensed to collect in my state ; and 5 7.Your license numbers and Registered Agent At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX, or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. 
If your office fails to reply to this debt validation letter within thirty ( 30 ) days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. 
Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2015-07-10
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: P&L Acquisitions LLC (FL)

P & L Acquisitions sent me a letter dated XXXX XXXX, 2015 saying that I owed over {$4000.00} for a credit card that had been charged off over 5 years ago. The orignal balance was {$750.00}. The statute of limitations has long passed in XXXX ( the location of the credit card company ) and XXXX ( the state I reside in ). I have sent a letter to the agency stating so and that they are no longer able to legally collect on this debt. I have received XXXX letters and numerous phone calls about this debt. In the most recent letter, I have been threatened with legal action if I do not pay the debt in full within 30 days. I am waiting to hear back from P & L Acquisitions.
Consumer complaint received 2015-07-10
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

Sometime between XX/XX/XXXX and XX/XX/2015, Citizens Bank switched our checking account from Circle Checking to Premier Checking without our knowledge or authorization. The new type of account has a monthly fee, so Citizens Bank assessed a $ XXXX monthly fee from our account. I called " XXXX '' at XXXX who assured me that he would rebate the money and switch us back. He rebated the {$25.00} but the next month, Citizens Bank assessed the {$25.00} fee and we were still in Premier Checking. I called XXXX again, and again he promised to remove the fee and switch us back. Even he called this practice " unacceptable. '' I want something in writing to confirm this and say it will NEVER happen again. I also want to file charges that the bank attempted to steal our money. This is not the first time Citizens Bank has stolen money from us. Citizens Bank took our $ XXXX insurance check from XXXX XXXX and deposited it into an escrow account and denied us access to it. Our mortgage agreement with XXXX did not allow this practice. We had to refinance our loan with XXXX XXXX in order to get that money back. During that process, Citizens Bank broke the PA State Law by denying us a written payoff amount, thus thwarting our attempt to refinance with another bank. We had to threaten our local branch with criminal charges in order to get the payoff amount. I want to know why Citizens Bank is allowed to flagrantly break the law, steal money from its customers, and change its policies arbitrarily. Please tell me that you will police this bank and enforce the law.
Consumer complaint received 2015-07-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (VA)

Ocwen Loan Servicing bought my loan from Litton Loan and since then, I have had nothing but problems from this servicing company. On many occasions I was told the wrong amount due, had my payments sent back to me, some payments were applied to principal rather than the monthly payment due and my escrow account always stayed in the negative, even though escrow was included in my payments to them. I had payments held in suspense at times and unjustified added fees, with overall poor payment processing of my accounts. When I would call customer service, I was always given someone in XXXX to help me. I never received any answers to my questions or complaints, for the representative seemed to be reading only by a script. 
Now, I have yet another problem with Ocwen. They are reporting to the XXXX credit bureaus excessive late payments ranging from XXXX and reporting the XXXX mortgage with a charge off on XXXX bureau and a collection on the other XXXX bureaus. There was never a CO in XX/XX/XXXX as they are stating.These mortgages were paid in full and I find their reporting to be severely inaccurate in every stage of the mortgaging process!! I can provide my attorney 's information, if needed.
Consumer complaint received 2015-07-10
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: SUNTRUST BANKS, INC. (MD)

On XXXX XXXX, 2015, I filed an affidavit of fraud with Suntrust Bank, after reviewing my bank statement and noticing XXXX ( XXXX ) fraudulent charges for the period of XXXX XXXX, 2015. A total of {$940.00} worth of charges stemming from XXXX, Michigan was deducted from my account using my bank debit card information. After submitting the affidavit of fraud to Suntrust Bank, I was given a refund of {$120.00} for XXXX ( XXXX ) of the XXXX charges. I was told that I would need to contact XXXX directly to inquire about a refund for the amount of {$480.00}, in which I did, and XXXX was able to conduct a payment search, located the fraudulent charge and reimbursed the amount immediately. Suntrust Bank then gave me a provisional credit of {$460.00} for the remaining charges, which included a XXXX of XXXX amount of {$310.00}. Several days later, Suntrust Bank reversed the provisional credit all but {$120.00}, indicating that I have a past history of making payments to XXXX and shopping at XXXX XXXX. I do have a history of making payments to XXXX of XXXX XXXX XXXX, but NOT to XXXX of XXXX, which is were the fraudulent payments all stem from. I do shop at XXXX, but in the XXXX area, and NOT in XXXX. As such, I submitted a rebuttal to Suntrust on XXXX XXXX, 2015, and was then told that it takes XXXX days for the investigators to make a decision. I believe it is absolutely ridiculous that I have to fight a bank that I have been a customer with for over XXXX years regarding fraudulent charges. Further, it is beyond understanding why they were able to refund most of the other charges that were also made in XXXX, but refused to reimburse XXXX of the largest charges.
Consumer complaint received 2015-07-10
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (PA)

The information for consumers about contacting credit bureaus is almost worthless because the XXXX bureaus are primarily using this avenue to sell credit monitoring services. For example, Experian will only offer a consumer credit monitoring services or a credit freeze/unfreeze if a consumer seeking a 7 year fraud alert telephones Experian at XXXX XXXX XXXX XXXX per the CFPB 's webpage at XXXX. Plus, the online process to obtain annual free credit reports does not work although this is the mechanism the credit bureaus use for consumers who want a credit report after their credit card is hacked if the consumer has not exhausted the free annual credit reports ; either a consumer must submit a complicated written request for the credit reports or find a " back door '' at each of the XXXX credit bureaus ( e.g., a " trial '' subscription to Experian 's " Report and FICO Score '' service, which was accessible to me online for {$1.00} even through Experian required lots of paper documents from me to obtain my free annual report ). 

Incidentally, my Experian report number was XXXX after my report of credit fraud, and my Experian " Report and FICO Score '' membership number was XXXX. I have attached screen prints of my experience with the XXXX major credit bureaus to document that the online process and the CFPB 's information for consumers does not work well for consumers seeking a fraud alert after their credit cards are used fraudulently. ( My report of identity theft to the FTC has reference number XXXX. ) Please try to improve this system for other consumers. Fortunately, I am okay. 

Sincerely, XXXX XXXX XXXXXXXXXXXX
Consumer complaint received 2015-07-10
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Mel S. Harris and Associates, LLC (NY)

my mom got a letter in the mail from mel s harris assoicates she is XXXX years old and they threaten to close her bank acounts she paided off the debt of XXXX dollars all she gets is social security and a pension, She was paying XXXX a month, my mom has know saving account she lives paycheck to paycheck, The debt was with housebank for XXXX in 2004 they threatened to close her bank accounts she gets direct deposit thats why she paided the whole amount and they never served her with papers
Consumer complaint received 2015-07-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: STONEGATE MORTGAGE CORPORATION (WY)

I wanted to reduce my mortgage by removing pmi. After struggling with moving money from bank to bank, I was able to make another 10 % payment to Stonegate Mortgage. I had put 10 % down on the house and with the 10 % payment, was at least 20 % of original loan. The whole goal was to reduce my mortgage by approx. {$200.00}. Not only has my pmi not been removed, I was told that I had to pay an additional {$110.00} to request a broker document before they remove the pmi or I have to wait years until the loan value is 78 %. They just gave me a bunch of other things to do. The problem is I work 14+ hour days every day ( XXXX hours just driving from XXXX to job ), and am at the limit for bankers bs. They took my money, which I can not invest, I told them the intent was to reduce pmi. Now they want to charge me more money before removing pmi even though I have paid the 20 %.
Consumer complaint received 2015-07-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (TX)

I HAVE NO PAST DUE AMOUNT WITH THIS COMPANY. WE MOVED OUT BC OF UNSAFE LIVING CONDITIONS AND WE WERE TOLD WE DID NOT OWE ANYTHING
Consumer complaint received 2015-07-10
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (ID)

I had XXXX student loans through XXXX XXXX that are now being serviced by American Education Services. XXXX loan, taken out in XX/XX/XXXX is for just over {$30000.00} at a 2.18 % interest rate, monthly payment of {$160.00}. The other is for about {$18000.00} taken out in XX/XX/XXXX with a XXXX. 25 % interest rate, monthly payment of {$120.00}. I am very diligent about paying these and was always making extra payments when they were with XXXX. When they went to AES, I had to set up automatic payments again. I pay an extra amount of {$70.00} every month and instructed AES to always apply this to the loan with the higher interest rate. They have ignored my instruction for the past XXXX months and continue to apply the extra payment to the loan with the smaller rate " because I am paid so far ahead on the other loan. '' I have tried to explain to them that this is my intention- of paying the higher interest rate loan off early. After XXXX written instructions of how to apply my payments, I spent many hours on the phone with multiple people who insured me this would be taken care of. The most recent payment was applied completely wrong, they did n't even apply the minimum payment to the loan with the higher interest rate and instead applied almost all of the {$360.00} to the loan with the smaller rate. They are intentionally making it impossible for me to pay down XXXX of my loan balances early. I have been hung up on after being on hold after XXXX minutes, I have been transferred to XXXX different people every time I call with XXXX minute wait times between transfers and also have been put on hold for XXXX minutes while whomever I am speaking to " reviews '' my loan. I want to pay down my loan with the higher rate but they are refusing to apply the payments correctly. I have complained to supervisors and this still can not be taken care of. Both of these loan were refinanced when they transferred to AES. I had already been paying on them for XXXX out of the XXXX year term and now they have been stretched out again to another XXXX years from XXXX XX/XX/XXXX, also forcing me to pay longer on loans. AES is doing everything possible to insure I pay on more for these loans than the original lending terms and not allowing me to pay them down early by manipulating how payments are applied.
Consumer complaint received 2024-10-13
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: SUNRISE CREDIT SERVICES, INC (GA)

According to 15 U.S. Code 1692c - Communication in connection with debt collection, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. 

If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer
Consumer complaint received 2024-10-17
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX XXXX This account was removed and added again. 

Subject : Dispute Complaint Against Experian and XXXX ( Account Number : XXXX ) Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian, a credit reporting agency, for reporting inaccurate information on my credit report related to an account with XXXX  ( Account Number : XXXX ). I believe that Experian has violated several federal laws by failing to ensure the accuracy of my credit information, despite my previous disputes. 

Dispute Details : The XXXX  account listed above has been reported inaccurately on my credit report, and after several attempts to resolve this issue with both XXXX and Experian, the information remains incorrect. I am disputing the handling of this account under the following legal provisions : 1. 12 CFR 1006.34 ( b ) ( 5 ) : This regulation requires that debt collectors provide complete validation of the debt upon request. I requested such validation, but neither XXXX nor Experian has provided adequate proof or sufficient details. 
2. 12 CFR 1006.34 ( c ) ( 4 ) ( i ) : This regulation mandates that any communication regarding the debt must include an accurate itemization. Experian has failed to ensure this in their reporting. 
3. 12 CFR 1006.34 ( d ) : Under this section, debt collectors are required to handle disputes promptly. Experian has failed to correct or validate the disputed information within the appropriate timeframe. 
4. 15 USC 1681s-2 ( 7 ) ( A ) : This section of the Fair Credit Reporting Act ( FCRA ) imposes a duty on data furnishers ( in this case, XXXX  ) to report accurate information to credit reporting agencies. Despite my dispute, Experian continues to report inaccurate information furnished by XXXX. 

Resolution Requested : I request the following actions from the CFPB : Investigate Experians failure to update or remove inaccurate information related to this XXXX account. 
Ensure that Experian complies with the FCRA by rectifying the inaccurate information on my credit report. 
Investigate XXXX  role in furnishing incorrect information to Experian and ensure that they correct their records. 

Attached, you will find copies of my communications with Experian and XXXX regarding this dispute. 

Thank you for your attention to this matter. I look forward to your prompt resolution. 

Sincerely, XXXX XXXX You can submit this complaint online through the CFPB complaint portal or via mail. Be sure to include any documentation, such as your dispute letters and responses from Experian and XXXX.
Consumer complaint received 2015-07-10
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: M&T BANK CORPORATION (VA)

Vehicle Loan ComplaintOn the XX/XX/XXXX, I made a payment on my loan in the sum of {$340.00}. Then from XX/XX/XXXX to XX/XX/XXXX I made subsequent monthly payments of {$350.00} without any trouble ( or so I thought ) until I got a letter from M & T bank stating that " As of the date of this letter, we have not received the payment on your account. '' That I owed the bank {$280.00}. The bank has also charged me a late fee of {$14.00}. 
I could not believe what I was reading. I always make sure I pay my car note before the due date and I always make payments at the branch so what was the matter? 
I went to the bank and demanded to know what was going on only to be told by the bank officials that the check I issued for my XXXX payment for {$340.00} went missing and could not be traced since XX/XX/XXXX and therefore I should issue a check for {$280.00} to make up for the amount of the missing check. 
My question is, assuming that the check went missing since XX/XX/XXXX why wait till XX/XX/XXXX. Why is the bank telling now? If the bank had made me aware as soon as they realized the check was missing in XX/XX/XXXX, I could have issued a replacement check in XX/XX/XXXX for the payment. The bank for some reason decided not to inform me until now. 
My next question is, why is the bank demanding that I make both my current payment and the payment for the missing check by XX/XX/XXXX or else ....? I think that for the bank to demand that I pay a total sum of {$640.00} by XX/XX/XXXX without any negotiations is very harsh and unfair. 
My other question is if really I have fallen behind in making monthly payments, why is the bank asking for {$280.00} and not {$340.00} which is the regular monthly amount? 
Again why is the bank charging me a late fee? 
A few days later I received my regular monthly statement. My account transaction activity showed that on XX/XX/XXXX all the payments I had made from XX/XX/XXXX to XX/XX/XXXX were described as payment reversals. Then the same statement shows that payments were applied to my account from XX/XX/XXXX till XX/XX/XXXX. 
I also called the bank on XXXX and talked to XXXX different representatives who did not seem to understand my complaints. 
Since this matter is not entirely my fault, I think that in all fairness, the bank needs to agree for me to pay off the said {$280.00} in instalment. I can pay an extra {$30.00} monthly to bring the account current. I hope this matter is investigated and settled amicable. 
Your prompt attention to this matter will be greatly appreciated. Please find enclosed copies of the said letter and monthly statement account. 
Thank you
Consumer complaint received 2015-07-10
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (IL)

On XXXX/XXXX/15 I sent a " MoneyGram '' transfer, I then cancelled the transfer a few hours later. I called MoneyGram to find out how long it would take to see the money back in my checking account and was told XXXX days. I have called them back 3 times since then and each time I call I am transferred at least XXXX times and promised I would see the money in a few days each time. It has now been XXXX days since the transaction was made. Their website states they issue refunds in XXXX business days. I called again today and after being transferred XXXX times and on the phone for an hour and a half and I was told to wait an additional XXXX days. No one there wants to help, no one knows why it is taking so long and everyone says to wait a few days just to get us off the phone. Can you please help me in receiving my refund.
Consumer complaint received 2015-07-10
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (MI)

I am unable to obtain my Equifax credit report because NONE of the validation/verification challenges are recognizable. YES, I *do* have a mortgage and auto loan ; HOWEVER, they are not with the businesses listed nor are the monthly payments correct. I am a senior citizen and I drive very little. I do NOT have access to a printer to mail them a copy of my ID. I *do* have my driver 's license scanned but I can only provide it via email as I have no access to a scanner. I need to see my credit report to dispute what I suspect are OLD derogatory items. Also, I am now very worried because of the weird verification questions that there are serious problems with my credit report. I am a XXXX.