davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

Last XXXX I noticed that a company was taking {$100.00} transactions out of my account. I contacted the bank and told them they contacted the company. Well when I was looking through my account for another transactions I noticed that this same person had been doing it since XXXX. I submitted a fraud claim again and it was closed. I called to inquire why and the person said bc it was new and attached the fraud claim to the original request. The bank returned my money and then took it back causing my account to be overdrawned. Then proceeded to take money out of a XXXX account I was told I needed to be own for my daughter to get an account with no warning to her or after she turned XXXX not notifying her to open her own account. There business practices towards veterans and low income XXXXXXXX XXXX are predatory.
Consumer complaint received 2019-05-29
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc. (TX)

There is a debt reporting on my credit file from a company that indicated I owed money. This is not correct. When I lived in the apartment complex they indicated that I could use my own refrigerator and they removed the one that actually came with the apartment. When I moved out I did take my refrigerator and they are trying to charge me for my own appliance! They had possession of the one that was initially in the apartment and they agreed to me using my own. There is no money owed to that company. This is unacceptable.
Consumer complaint received 2019-04-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Phoenix Financial Services LLC (NE)

Two collections were owed and were being collected by XXXX XXXX XXXX, XXXX XXXX XXXX XXXX PA XXXX, ( XXXX ) XXXX, ext XXXX XXXX XXXX. The first collection was for {$960.00} and the second was {$650.00} both owed to XXXX XXXX  XXXX XXXX. XXXX XXXX XXXX was handling this collection for XXXX XXXX. An agreement was reached with XXXX Representative, XXXX XXXX for payment of 60 % of the debt in the amount of {$970.00} and it was agreed that it would be deleted from my credit report. The amount of {$970.00} was paid on XX/XX/2019. 

On XX/XX/2019 I received a collection notice from Phoenix Financial Services in XXXX IN in the amount of {$650.00} owed to XXXX XXXX  XXXX XXXX. Again this collection agency was handling the collection for XXXX XXXX. This is the same debt that I already paid through XXXX XXXX. It is apparent that XXXX XXXX has a habit of these kinds of practices because they have many complaints through CFPB and through the XXXX  for the same kind of stuff. 

Now Phoenix Financial is threatening my credit if this isnt paid and is causing me the burden of providing proof that this debt has been paid. When is someone going to stop these bottom feeders from doing this to people? To begin with I am aXXXX XXXX XXXX   service connected XXXX Veterasn. My medical bills are paid by the VA at no cost to me. The original creditor just didnt want to do the work to collect from the VA so they wrote the debt off and the bottom feeders at XXXX XXXX picked it up to start their shady collection practices. I should have had to pay this debt at all but I wanted to maintain my credit so I nbegotiated a settlement I could live with. What I cant live with is XXXX XXXX continuing to try and get paid more than once for these debts and using multiple collection agencies to harass me.
Consumer complaint received 2019-05-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (MD)

We ( me and wife ) received escrow disclosure statement from our mortgage company Call Specialized Loan Servicing, we send them a letter that according to their own statement we overpaid, but they are saying there is shortage which they can't explain or never even responded to our letter, we need to clarify as to only things paid by them is our Property Taxes and Home Insurance which by their statement on page 3 is monthly {$760.00} x 12 = {$9100.00}. On page 2 of the statement from XXXX of XXXX to XXXX of XXXX we have paid {$10000.00}, which is over payment of {$1200.00}. 

We have attached the Escrow Account Disclosure Statement of XX/XX/XXXX Letter of XXXX XXXX which they said never received. ( conversation of XX/XX/XXXX with XXXX XXXX and XXXX XXXX ).
Consumer complaint received 2019-04-18
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Weltman, Weinberg & Reis Co., L.P.A. (SC)

I am a victim of identity theft and have notified the owner of the fraudulent loan, XXXX XXXX XXXX, and their collection agent, Weltman, Weinberg & Reis Co., LPA regarding the fraud but have not received any response. I am providing a copy of the most recent fraud report sent to Weltman, Weinberg & Reis Co., LPA that I have not received any response to, and will provide a summary of my dispute below. 
A private student loan, account no. ending in XXXX, was obtained in my name without my consent or knowledge. I received a collection letter from Weltman, Weinberg & Reis Co., LPA dated XX/XX/2019 seeking collection on the above-referenced student loan. I have been attempting to notify Weltman, Weinberg & Reis Co., LPA since receipt of the collection letter that the account was not mine, and that I never signed or agreed to any such student loan. I sent the attached notice to Weltman, Weinberg & Reis Co., LPA on XX/XX/2019 notifying them of the fraudulent nature of this account, but have not received any response. 
As stated in the attached identify theft affidavit, I have not opened any student loans or co-signed for any student loans with the original creditor, XXXX XXXX, and the accounts are harming my credit and have caused worry, stress and hardship that has affected my quality of life.
Consumer complaint received 2019-05-14
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: CITIBANK, N.A. (IL)

I asked to change the account type to Basic Banking Package at around XX/XX/2018, and staff told me that my account will be changed in 24 hours. However, my account type is not changed, and there was {$25.00} each month, {$50.00} in total was charged to my account. Once I found out, I asked to change again at XX/XX/2018. Again, the staff told me the account will be changed in 24 hours, and refund me the $ XXXX month fee. Yet it turns out, the account remains the same, and the month fee continued. For the third time I asked, the staff told me that my initial request was denied ( I don't know which " initial request '' was referred ) but I did not receive any notice of denial. The month fee charged will be gone.
Consumer complaint received 2019-04-18
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: Rausch Sturm LLP (MA)

Hello XXXX XXXX the items before responding. I am not looking for a rehash of the debt allegedly owed. Please respond to each item. 

1. The XXXX 's agreement states that I have a right to arbitration with the company XXXX. Do you agree that I have the absolute right to arbitration? 

2. I have properly notified you that I chose arbitration with the company XXXX through your attorney XXXX, XXXX XXXX XXXX XXXX. I have a signed card that the attorney has received this demand. 

I have attached the demand form. 

Please note I also sent the notices to XXXX and XXXX. 

I filed and paid the {$150.00} filing fee. However XXXX returned the money as you didn't pay your required fees. 

You are legally bound to the contract. I demanded arbitration. You continue to report to the credit reporting agency. 

This is breach of contract, violations of fdcp, fcra and Massachusetts 93a laws. 

Since you did not arbitrate as required, I demand that you delete all items from the three major credit bureaus.
Consumer complaint received 2024-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XX/XX/XXXX XX/XX/XXXX To : Transunion Address : TransUnion Consumer Solutions XXXX XXXX XXXX XXXXXXXX. XXXX, PA XXXX. 

I received a copy of my credit report, and I have found that in accordance with the FCRA you violated my rights under : 15 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE 15 USC 1681 SECTION 604a SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUTOUT MY WRITTEN INSTRUCTIONS.

Pursuant to 15 USC 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, unless the creditor has adopted reasonable procedures designed to ensure
that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

List : XXXX XXXX, XXXX, XX/XX/XXXX I NEVER gave you, OR the above-listed creditors any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b. Credit Reporting Agency has caused XXXX  stress and XXXX  due to the abusive and unfair practices.

You should be ashamed of yourself for ASSUMING this role and position to constantly commit fraud and cause harm to consumers! These accounts are listed with late or missed payments and that is incorrect. The ABOVE listed ACCOUNTS were NEVER late and should be listed as PAYS or PAID AS AGREED and update my payment history to a green check or gray it out. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report, and I demand that you provide me with concrete evidence and all documentation proving that I am or have been late. It is my understanding that you will recheck these items with the creditor who has posted them. 
Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this investigation within 30 days of receipt of this letter. Please send an updated copy of my credit report reflecting the requested changes. 

Best Regards XXXX XXXX
Consumer complaint received 2024-10-21
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. (GA)

RE : Late Payment Improperly Reported- I XXXX XXXX XXXX XXXX XXXX have a RIGHT TO PRIVACY under 15 USC 1681A ( 4 ) as a federally protected consumer and I know my rights presented under the Fair Credit Reporting Act clearly outlined within 15 USC 1681 . The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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. So, whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n and 15 USC 1681o, which allows for {$1000.00} per violation, for account listed without my expressed written consent. I was reviewing my consumer reports and noticed XXXX XXXX XXXX on my credit report that need be immediately updated to paid as agreed. My Consumer rights have been violated by Experian, XXXX, XXXX. Experian, XXXX, XXXX has violated my consumer rights and violated federal law. This is the THIRD attempt to notify you of this erroneous error on the part of your agency. This erroneous late payment is affecting my ability to obtain a loan to save my business from crumbling and also blocking me from the housing that I so desperately need for myself and my family. Please change this to paid as agreed immediately so that I may proceed with my life, or I may be forced to seek legal damages against your agency as I already have sought legal counsel in this more than important matter. Thank you.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.
Consumer complaint received 2019-05-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (RI)

Once again, Ocwen Loan has changed its rates for collecting fees and monthly mortgage payments, now raising the fee to {$7.00} for paying online directly from my bank account. 
This fee was imposed when they transferred my mortgage to another of their companies within their possession. 
They change over also disrupted all of my payments, records and more so that I no longer have addresses, online contacts and much more. 

In order to sign up for their 'new ' loan collection, I must submit my social security # and much more to a service in XXXX . 

Their practices are insuring that I will be late with payments, and have to pay service charges, late fees and additional interest. 
I can not get any information form them directly and am blocked from my previous account information and history. 

This continues to be a constant issue with OCWEN - now XXXX - now XXXX. 
( Honestly, would you give your SS # to XXXX? ) Impossible to find a contact to help through their myriad of sites, although 'help ' symbols are there, as noted in screenshots below. 





" The servicing of this mortgage account has been transferred to XXXX XXXX  XXXX, now an affiliate of Ocwen. 

The account number will change to # #. The relationship manager may change and will reach out within 30 days of the account transfer. If you are enrolled in Paperless Statements, your paperless settings will not change. For details and instructions about how to login at XXXX XX/XX/2019, please refer to the Notice of Service Transfer letter or call XXXX. ''
Consumer complaint received 2019-05-24
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL (PR)

I am in a hardship that started as the impact of hurricanes Irma and Maria, therefore, I had not been able to keep my account with Syncrony Bank open for their Pep Boys Credit Card. I had closed my account and had contacted the issuer of the credit card of pep Boys and they had raised all sort of fees and will not allow me to enroll in  their hardship program.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NJ)

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. 

15 U.S.C 1681 section 602 A. XXXX 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 XXXX 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.
Consumer complaint received 2019-05-24
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NIC, Inc. (TX)

Sent a debt validation request and was refused by NEMO collection agency. Please see my attached evidence for the refused delivery marked by the USPS office. I never received my right to dispute the debt as allowed under the FDCPA & FCRA act. The debt was just added to my credit reports without knowledge. I can not have my right to dispute or request validation of the debt and HIPPA consent requested. This debt must be removed immediately due to refusal to allow my validation of the medical debt in question. Now once you review this complaint you will know my rights and request and will be under the statue to comply. Also sent a fax on XX/XX/2019 Letter attached for Nemo Collections Returned Envelope marked as refused by postal worker attached.
Consumer complaint received 2019-04-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (WI)

XXXX XXXX XXXX ( hereinafter referred to as " the merchant '' ) overcharged my credit card for airfare. I attempted to resolve the dispute with the merchant, however, they never contacted me or offered a refund. Therefore, I opened a dispute case with Barclays ( hereinafter referred to as " the bank '' ). I was notified by the bank that I had been issued a provisional credit for the amount discrepancy. When I arrived at the airport and attempted to check-in, I was told by the reservation desk representative, that my reservation had been voided/cancelled by the merchant due to the bank withdrawing the funds. My only option was to purchase a new set of tickets. The merchant and the bank had earlier told me that my reservation would not be jeopardized due to the dispute. I contacted the bank again and explained to them what had happened. I was instructed to send additional information in which I did. I was notified by the bank that I had been issued a provisional credit for the remainder of the amount for the cancelled reservation. Finally, I received notification from the band that the amount I had been credited was being re-applied to my account. I contacted the bank 's disputes department two more times and requested a manager call-back. I did not receive a call back but was told that I had exhausted my options withing the banking industry. 

Re : Barclays Dispute case # XXXX ; XXXX ; XXXX XXXX Re : XXXX Dispute case # XXXX ; XXXX In summary, I am being charged for an airline reservation that was cancelled by the merchant.
Consumer complaint received 2024-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (RI)

I need your help with a false account on my credit report that has damaged my reputation. Your errors in handling my credit have caused significant distress, and I urge you to correct these mistakes so I can live peacefully with my family.
Consumer complaint received 2019-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I have a public record & Child Support entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX, Transunion and XXXX verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.
Consumer complaint received 2019-04-18
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Regional Management Corporation (TX)

I owe a loan with Regional Financial and have fallen behind of which I plan to pay. My major complaint is they continuously call my work place which is not allowed even after I have explicitly ask them not to call over the phone on numerous occasions XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX. My coworker has also asked them to stop calling the office on the same days when they picked the calls. I have sent an email on XX/XX/19, and sent a formal complaint on XX/XX/19 to them.