davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-10
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: Shellpoint Partners, LLC (KY)

After two complaints with the cfpb the same problem exists recap XX/XX/XXXX ask if home could be repurchased was told yes had till XX/XX/XXXX to buy XXXX received documents from XXXX XXXX XXXX filed on XXXX eviction process had been approved XX/XX/XXXX second complaint with cfpb SHELLPOINT response was sent to me on XXXX stating XXXX XXXX has all information to repurchase home .I have been in contact with XXXX XXXX since XXXX when I received my eviction letter XXXX XXXX told me they have nothing to do with the sell or purchase of home they only filed in eviction they gave me XXXX XXXX contract information.i have been in contact with XXXX and XXXX since XXXX and both parties say no one of their contacts will let them know what to do this is the same service I received as a customer they put all matters off till you are out of time like starting the eviction process before the time they given me and refer me to people whom I've been in contact with that can't get answers either
Consumer complaint received 2024-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (LA)

I always meet my payment deadlines, so I dont understand why this company reports me as late. USC 1666b says billing mistakes must be corrected, and my account should reflect " paid as agreed. ''
Consumer complaint received 2024-11-10
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Neon Newco Corporation (AR)

On XXXXXX/XX/year> I deposited a cashiers check from Netspend for my remaining balance from my forced closed account. The check was returned unauthorized and now this has caused an issue of my relationship with my financial institution. I contacted Netspend via email about it and they are prolonging and dragging out a resolution.
Consumer complaint received 2024-11-11
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

Im not entirely sure how far it goes back but USAA has been charging me overdraft fees because theyre constantly taking the money out of my account when the funds are not in there ( insufficient funds ). Knowing this, they still take the money out causing my account to be overdraft ( because of them ) then charging me overdraft fees causing it to be even more overdraft.
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA (NM)

Mohela decided to delete the long established tradelines on my credit reports showing their name as MOHELA and changing it to XXXX  XXXX XXXX and also changed the account numbers for my loans. These changes resulted in both inaccurate information being reported and a large drop in my credit scores with both XXXX and XXXX. I have not seen any updates to XXXX yet. One credit bureau was even reporting double the loan amounts. Another was reporting some loans correctly and then missing others. I disputed with the credit bureaus twice now and some of the information has been updated or corrected but my credit scores have taken a huge hit because of name and account number changes when nothing else has changed as to the status of my loans. I've read all over the internet that the same thing is happening to countless student loan borrowers servied by MOHELA. I'm in the middle of shopping for a home/mortgage and my scores are jumping all over the place The sheer inneptidue and lack of concern for the damage they do to our credit for this nonsene is unconsionable. Student loan borrowers have really suffered though a lot in the past few years and this is just another kick in the face.
Consumer complaint received 2024-11-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ProCollect, Inc. (TX)

I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT AND NOTICED I HAD FRAUDULENT ACCOUNTS ON MY REPORT. PLEASE REMOVE THESE ACCOUNTS FROM MY REPORT THEY ARE HURTING MY ABILITY TO OBTAIN CREDIT.
Consumer complaint received 2024-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (LA)

I am reaching out for your help concerning this misleading account reported on my credit report. This issue has caused damage to my reputation, and I need your intervention. Your mishandling of my credit report has left me feeling vulnerable, as this misinformation has destroyed my reputation. It is necessary to remove this incorrect information from my credit report.
Consumer complaint received 2024-11-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (MD)

Between XX/XX/XXXXXXXX  and XX/XX/XXXX, I observed my balance fluctuating from a credit limit of {$980.00} down to {$320.00}, returning to {$980.00} a few months later. I haven't used this card for transactions in the past three years, leading to inaccurate reporting. 

I have attached reports from XXXX reflecting the fluctuations
Consumer complaint received 2024-11-10
Product: Debt collection — Rental debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ProCollect, Inc. (MS)

This account was opened fraudulently without my permission Please see FTC report attached " According to FCRA Section items saying " Potentially : 605B it is illegal to report anything on my credit negative report without my 6. For the reason select permission. 
Please remove this negative " Other Reason '' item. Thank you ''
Consumer complaint received 2024-11-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Fidelity National Information Services, Inc. (FNIS) (TX)

XXXX XXXX XXXX XXXX XX/XX/year> I ' am writing to request and investigation of the following accounts, I have never opened or use the accounts listed below. " I'm requesting the following information be deleted from my Early Warning report immediately. I attached a copy of my report to this request. I have listed the accounts and the inquiries as well. Pls see attached accounts and inquiries.
Consumer complaint received 2024-11-10
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: R.M. Galicia, Inc. (AZ)

It is unclear exactly what happened. I went to the XXXX  in XX/XX/year> in AZ and all services were billed to my XXXX insurance. All copays have been paid. The reading of the XXXX XXXX appears to have been done by a company in TX. The radiology company ( XXXX XXXX XXXX ) in TX was very hard to communicate with and I had to provide them with my insurance three separate times. It looks like they finally billed and were paid by my insurance twice. They never provided any further bills or communications. According to their site it looks like I may owe {$12.00} - but this is unclear too since I never received anything. Yesterday I got an alert that my credit had dropped ( approx. XXXX - XXXX ) due to a {$7000.00} debt and a tradeline was opened. The company ( Progressive Management Systems ) that is no trying to collect the debt has not provided a detailed breakdown and has fraudulently reported a {$7000.00} debt to my credit.
Consumer complaint received 2024-11-10
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: CITIBANK, N.A. (FL)

I accepted an offer I received in the mail for a " flex loan ''. I was consolidating bills and paying for repairs to my business. I received a 14.99 % interest offer. 
My payments are {$540.00} per month. I have made XXXX payments so far and only {$4500.00} was applied to principal and {$4200.00} to interest. I don't understand how they are allowed to do this. That is nearly 50 % of my payment going to interest. 
When I checked into this there are no more Citibank branches available. Everything is online only. Are they going out of business? 
I would appreciate any information and help you can give me. 

Thank you so much, XXXX XXXX XXXX
Consumer complaint received 2024-09-27
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA (WA)

After XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I applied for PSLF forgiveness in XX/XX/XXXX. I am very grateful to have received loan forgiveness in XXXX XXXX At that time, I called Mohela to confirm this news and any exit process. The representative I spoke to confirm that I had actually qualified for loan forgiveness in XXXX XXXX However, I made monthly payments of at least {$700.00} until XXXXXXXX XXXX XXXX. She shared that I should expect a refund of those payments directly deposited in my bank account. She gave me a time frame of 4-6 weeks. When that time passed, I called back and was given the date of XXXX XXXXXX/XX/XXXX. That day also came and went with no refund. I just called Mohela back and today the customer service rep told me that there is no indication that I will receive a refund and they can not confirm I made any payments after XXXX. I have bank records that show that my account made direct payments.
Consumer complaint received 2024-11-10
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Fidelity National Information Services, Inc. (FNIS) (MS)

I am a victim of Identity Theft. The accounts that. Opened without my permission. This is against the federal law dispure box : 3. Yourl see all the negati " According to FCRA Section items saying " Potentially : 605B it is illegal to report anything on my credit negative report without my 6. For the reason select permission. 
Please remove this negative Please see XXXX report and a copy of the federal law 605 B
Consumer complaint received 2024-09-27
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: Experian Information Solutions Inc. (TX)

Wh en trying to contract a vehicle through my credit via my signature and social security number. I stated clearly the this is a consumer credit transaction, no loan is needed when using credit My signature ( from the natural living man ) via 15 USC 1602 ( i ) creates the credit. I expressed this verbally to the finance manager yet here we are with multiple searches of my social XXXX for a loan that I didn't ask for or apply for various Financial institutions on XX/XX/XXXX. XXXX XXXX XXXX XXXX and XXXX XXXX. Then again on XX/XX/XXXX with XXXX in XXXX and finally several more times at XXXX XXXX XXXX XXXX on XX/XX/XXXX. All of the dealerships mentioned in the complaint were instructed not to search for an auto loan. The were instructed to utilize the credit acknowledged by the social security number. It is impossible to get a loan when there is no legal currency in circulation since XXXXXXXX XXXX XXXX XXXXXXXX ). The is only debt or credit, via XXXX XXXX I expressed these truths for reasoning of a credit transaction not an auto loan approval transaction. There were multiple inquiries on the same day in a malicious attempt to coheres me into paying with credit and cash for the same vehicle which is Fraud in the inducement.
Consumer complaint received 2024-11-11
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (TX)

I opened a prepaid gift card package to make a purchase. This is a {$100.00} XXXX   debit gift card that is newly opened from its package and is not expired.The card would not go through so I called the phone number on the back of the card. The company informed me that the card was registered under someone else 's name. I explained that it was a gift card and should not have an associated registered user. However, they still requested my personal information and asked me to fax copies of my driver 's license and XXXX card, which raised concerns for me. I am uncomfortable sending my driver 's license via fax. I have spoken with three different representatives, all of whom reiterated the same requirements. One representative suggested that I upload the documents on their website, but the site does not accept the uploads. The website is www.prepaidgiftbalance.com. 
I discovered online that many others have encountered the same issue with this company. They reported similar experiences, including requests for personal information such as drivers license and Social Security numbers. This raises further concerns about the legitimacy of their practices.
Consumer complaint received 2024-11-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: ProCollect, Inc. (TX)

Procollection XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Your statement I HAVE NO KNOWLEDGE OF THIS ACCOUNT [ XX/XX/year> ] Collection account. {$2.00}, XXXX past due as of XXXX, move away from the apartment XXXX in the begin of XXXX, paid XXXX rent which was XXXX including gas and water, Didn't pick up deposits just an case of damage or late fees
Consumer complaint received 2024-11-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (IL)

USAA bank is discriminating against me as a XXXX woman. I have been a customer over 20 years and today they put me in a bind to protect their assests. I closed on my home on XX/XX/XXXX and I received funds in the form of 2 checks. I received and deposited the check from the title company for {$2600.00} approximately and another check from my real estate attorney on in the amount of {$6900.00}. When I deposited the check from my attorney {$2500.00} was made available to me and and {$4400.00} would be available on XX/XX/XXXX. Today when I went to pay my movers {$1400.00} my card declined. I logged in to see my account overdraft for over {$5000.00}! They lied and said the check was returned. I immediately called my attorney who then sent me a screenshot of the check clearing her bank and the funds in her account. I immediately called USAA back and relayed this information only to find out that someone manually went in and took back all the money and fixed my account to where I was still negative {$600.00}! They said they tried to verify the check but the office was closedduh its XXXX on a Saturday! Im moving from XXXX  to XXXX and have to borrow money for gas because they did this to me. They are a bank! What bank doesnt know what an e-check is?! Especially since Ive cashed them before. They are just doing this to me because I am a XXXX woman. If I was XXXX they wouldve done this! I work for the XXXX XXXX I aint defrauding anyone! Especially a bank! They had no right to do this. They overdrew my account and didnt even give me any notice nor a resolution
Consumer complaint received 2024-11-11
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc. (IL)

On XX/XX/year>, I submitted a formal debt validation request to ProCollect, Inc. regarding two alleged debts ( Account Numbers : __ and __ ). Under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g ( b ), ProCollect is required to provide full validation of the debt upon my request, including any supporting documentation substantiating the debt and confirmation of their authority to collect in my state. 

On XX/XX/year>, ProCollect sent an incomplete response, which included only : A partial incomplete copy of the original lease An itemized bill An incomplete rental application Contract information for a lease term insurance group ProCollect failed to provide other requested documentation essential for validating the debt, including : Proof of full payment history. 
An itemized breakdown of charges. 
Chain of title, showing the transfer of the debt. 
Confirmation of their authorization to operate and collect debts in Illinois. 
Documentation showing that ProCollect is legally permitted to pursue collection and report this alleged debt. 

They also did not provide validation that they have the right to charge or pursue this debt based on Illinois state requirements. Since I am in an active dispute with the original creditor, XXXX XXXX, regarding the validity and accuracy of the alleged debt, this account should not be reported to credit bureaus until it is resolved under FDCPA - 15 U.S.C. 1692g ( b ). ProCollect 's incomplete response within the required 30-day period violates both the FDCPA and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ).
Consumer complaint received 2024-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ADIR INTERNATIONAL LLC (NV)

Dear CFPB, I am filing a formal complaint against La Curacao for their failure to respond to my dispute letter dated XX/XX/year>, in violation of the Fair Credit Reporting Act ( FCRA ). In this letter, I specifically requested that La Curacao investigate disputed items on my credit report, provide a full audit trail, and remove any unverifiable or inaccurate information as required by law. 

Under the FCRA, particularly 15 U.S.C. Section 1681i ( a ) ( 1 ), credit furnishers like La Curacao are required to investigate a dispute and report back to the consumer within 30 days. As of today, I have received no response from La Curacao, nor have they taken action to investigate, provide the requested audit trail, or update my credit report to reflect accurate information. 

Relevant FCRA Violations 1. Failure to Investigate : Under Section 1681s-2 ( b ), La Curacao , as a furnisher of information, is required to conduct an investigation into any disputed information once they receive notice from the consumer. This includes verifying the accuracy of the information or deleting any information that can not be substantiated. La Curacaos failure to investigate or respond to my dispute directly violates this FCRA requirement. 
2. Failure to Report Investigation Results : According to 15 U.S.C. Section 1681i ( a ) ( 6 ), a credit furnisher must provide the consumer with the results of the reinvestigation within the specified timeframe. La Curacaos lack of response constitutes non-compliance with this requirement. 
3. Lack of an Audit Trail : In my dispute, I requested an audit trail and supporting documentation used to verify the disputed items. Under FCRA requirements, furnishers are obligated to provide any documentation that substantiates the accuracy of the information in question. By failing to do so, La Curacao has prevented me from verifying the accuracy of the information they reported.
Consumer complaint received 2024-11-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (GA)

Subject : Debt Validation Request Dear SUNRISE CREDIT SERVICES GROUP I am writing to formally request validation of the debt referenced in your records under account number XXXX. Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I have the right to request documentation that verifies the existence and amount of the debt you claim I owe. 
Please provide me with the following information : 1.Validation of the debt : A detailed statement of the amount owed, including any fees or interest. 
2.Proof of ownership : Documentation that proves you own the debt or have the authority to collect on it. 
3.Account history : A complete account history that reflects all payments made and any adjustments made to the account. 
4.Original creditor information : The name and address of the original creditor, including the original account number. 
Additionally, please be aware that under FCRA 609, I have the right to dispute any information that is inaccurate, incomplete, or unverifiable. If you are unable to provide the requested documentation, I expect that you will remove all negative entries associated with this account from my credit report. 
I appreciate your prompt attention to this matter. Please respond within 30 days to avoid any further reporting of this account to credit bureaus.
Consumer complaint received 2024-11-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (FL)

My girlfriend recieved a phone call asking to speak with me, XXXX told my girlfriend she was with account solutions management from a phone number XXXX, the same person left a message on my girlfriends fathers voicemail identifying herself from an attorneys office, after verifying whom i was she informed me that her company purchased a debt from XXXX XXXX XXXX approximately XXXX ( the amount i could not hear exactly ) she says that the other numbers ( my girlfiend and her fathers ) she assumes were listed as points of contact on the original application from XXXX. I have never had any type of account with citi XXXX XXXX, she also said I had been paying on this debt for quite some time, to which I have never made any such payment. I asked her what proof she had that the debt belongs to me, to which her response was " Im not doing your work for you. '' After doing a little due dilligence I discovered I could request a debt validation letter, but in looking up the company name or phone number I could not find any information for them. Calling them back, I requested an address for the company to which a man responded I have to validate who you are, so after verifying my date of birth he became quite unprofessional ignoring my request for the address or request for a debt validation letter, I raised my voice so he could hear me over his own voice as he continued to speak over me. He made a comment regarding oh im just noting the file as to your hostility, stating " Oh we got you now you're on a recorded line! '' It was at this point I disconnected the call. I never got an address to send a certified letter to request a debt validation letter. Looking up the company and phone number yielded no results.