davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-01-19
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I made a credit card purchase, point of sale. and the amount was debited from my account. two weeks later I was overdrafted by the amount of the sale and the date of the debit was almost two weeks after the sale. Subsequently the bank has charged me XXXX overdraft fees. I spoke to the retailer and they said that they put the charge through immediately so some manipulation was being done solely by the bank ( Bank Of America ). The bank is not supposed to allow any point of sale purchase through if the funds are not available and to be debited immediately.
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

This account was charged off on the following date XX/XX/2024, Since then the account has repeatedly been updated as charged off every month. 
This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account XXXX XXXX XXXX XXXX 
XXXXXXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to Human XXXX debt bondage, which falls under XXXX  according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This account was charged off on the following date XX/XX/2024, Since then the account has repeatedly been updated as charged off every month. 
This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account XXXX XXXX XXXX XXXX 
XXXXXXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-07-05
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (CA)

Loan # XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX We are behind on our mortgage payment because the high payment from new modification we were forced to except last year by Fay servicing to avoid losing our home and this problem its going since XXXX With Fay its a long story with couple different attorneys. 
So we received a demand letter from Fay to pay XXXX to cure our mortgage account and we got the money together try to pay but Fay blocked us on line and phone from making the payments and we only have till the XX/XX/XXXX to pay. 
Finally about the last week of the month of XXXX I was able to speak to My Account Manager and she make me email her a letter from each attorney I had in the past that Im not longer represented by the Even bankruptcy attorney from last year, which is was dismissed and done. By XX/XX/XXXX she got everything she needs and she still wont take my payment over the phone and I called on XX/XX/XXXX and she said no the balance is higher now I said how todays is XX/XX/XXXX it the last day for us to pay or we will lose our house and my account manager didnt care she said she had to get the new balance. 
XXXX we received certify mail from them telling us they trying to reach us for a long time by phone and mail, and was no success to talk to us witch is not true because I was calling every day. And today XXXX I called my account manager and she said now your balance is XXXX because of fees was added to my accounts XXXX fees??????? 
Now I have to file bankruptcy chapter XXXX this week to prevent losing our home. 
I have proof with all the phone calls and documents I received and I contacted local channel news to do investigation on our situation because its been going for a long time since XXXX it was just a small issue back in XXXX. Also we applied for modification and help until now. We havent got an answer of denial letter in the mail or email him now.
Consumer complaint received 2016-06-18
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

Bank of America has told me that this account is linked to an account in my wife 's maiden name 2 years after she was married and claims I lived in XXXX XXXX Virginia. I have never lived in XXXX Virginia, so Bank of America can claim what it wants but on XXXX XXXX of 2016, my lawyer will start the lawsuit paperwork and when I show up to court with federal records stating these XXXX facts, I will not settle but I will be going for the maximum amount for damages against me and my company. Final warning and no more complaints after this.
Consumer complaint received 2023-08-19
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: CITIBANK, N.A. (GA)

The fact I have to write this is XXXX 

Let me explain to you how the LAW works, you can not keep my money for services or items I bought which were not received or rendered. I ordered XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX {$120.00} You guys forgot my fries, I asked for my money back and you send me a credit instead. I did not ask for nor do I accept a credit, and not because of your XXXX XXXX  where you think this acceptable I am going to the CFPB and OCC to report you to my financial institution and I hope to god they put you on the " XXXX '' so people can just get instant wins on disputes. 

For freaking a XXXX XXXX XXXX  I have to go on the XXXX to complain and then report you to multiple financial institutions? 

Let 's go over this again, what your doing by not refunding me is violation the FTC Act and you are also collecting tax on this which is also illegal. I don't care what your policy is every single time my order gets messed up I will be refunded for missing or incorrect items and if you can not handle that from a single person so much so you have to try to break the law then know I am also not someone who accepts this from your company and I will be forwarding this to the FTC and State AG in your headquarters jurisdiction. Out of all the states to XXXX XXXX  and find out in I suggest you don't pick California if you want to operate your business like this.
Consumer complaint received 2015-05-01
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (UT)

I originally called Portfolio Recovery on XXXX XXXX, my name was not on their name search for outstanding loans, the agent then hung up and said nothing else. The XXXX phone number kept on calling me ; XXXX & XXXX starting XXXX XXXX, 2015. It has been three weeks on continually calling my phone number at XXXX XXXX each day and they do not leave an voice message. I am on the Federal No call list, I told the rep today and she did not care.
Consumer complaint received 2016-12-16
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: HUNTINGTON NATIONAL BANK, THE (OH)

I opened a Huntington checking acct because of their 24 hour grace period if your account goes negative and I felt that that really helps me since I really cant afford fees. My account had XXXX in it and I had a check for {$5.00} returned due to insufficient funds and was charged XXXX. If the check would have went thru, my account would have been XXXX, still under the {$5.00} threshold and I would had a deposit coming thru the same day. So what happened to the 24 hour grace period that Huntington says they offer? Does it go away after a certain amount of transactions? Paying almost {$40.00} at this time of the year really put a dent in my pockets. I can see if the transactions were a lot of money, but they were {$5.00} or less. Needless to say, once I get direct deposit switched over, I will be looking for another bank, one that really cares about an average person just trying to make ends meet!
Consumer complaint received 2016-08-23
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Optimum Outcomes, Inc. (GA)

I have been contacted by phone and in writing XXXX XXXX/XXXX/XXXX XXXX by Optimum Outcomes, Inc. I wrote them via certified letter in XXXX XXXX, showing that my insurance company paid a medical bill to XXXX XXXX XXXX and to not contact me anymore or show that the debt is valid.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ALLY FINANCIAL INC. (MD)

YOUR COMPLAINT 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.

Its a violation of my Rights!!! 
XX/XX/2024 to XXXX XXXX
Consumer complaint received 2017-03-04
Product: Credit card — 
Issue: Late fee — 
Company: SYNCHRONY FINANCIAL (WI)

I established autopay on a new account with Synchrony Bank. I have an email confirmation f the autopay enrollment with dollar amount and confirmation number. A payment was never applied. I called Synchrony this morning, and was cut off, upon calling back I requested a supervisor, who informed me they have no record of the autopay, and that I would need to fax my email confirmation to them, for them to consider, if I had a valid issue. It is unacceptable to me, that they could not take my confirmation number to validate I had enrolled. According to them, they had no record of my autopay enrollment. This is unacceptable. I was told I can not forward the email, as they can not accept emails, only faxes. I now need to fax the email confirmation to them, and they will " consider '' reversing the late fee. I will no longer do business with Sycnchrony, and will be closing the other accounts I have with them. Given this account has a 0 % interest rate for x months, I am wondering if this is something they do intentionally, to earn fees off those who pay their balances in full on these promotions. 
It is a condition of my employment that I maintain my personal finances in an impeccable manner, therefore, an issue like this can cost me my position, or at a minimum, put my career in jeopardy.
Consumer complaint received 2015-10-16
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (MI)

I am currently current on my mortgage payment and this company keeps returning my payments to me and not applying the payments to my mortgage. They have me owing for my mortgage from XX/XX/XXXX to XX/XX/XXXX and I have paid these payments and they keep returning my payments weeks and months later, making it appear as if I am behind on payments by months, all the while threating to illegally forclose on my home, with multiple certified letters and mailings! I have spoken to different agents in this company and all give reasons that make no sense whatsoever as to why my payments are being returned. This company has XXXX of complaints against them in regards to sketchy practices.. OCWEN Mortgage is the company. I have all my bank statements proving I have sent the mortgage payments. I will be seeking legal action against this company if they continue to send my mortgage payments back as I truly feel they are trying to illegally take my home. There is no plausible reason why I have paid my mortgage and my payments are being returned unless there is some underlying scheming going on! 


Sincerely
Consumer complaint received 2016-12-10
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Medical Data Systems, Inc. (NM)

This is the second time I have filed a complaint against Medical Data Systems , Inc. You are failing to respond to my complaint in a timely matter. Medical Data Systems , Inc. is reporting negative information on my credit report that is incorrect. I was billed for a service from XXXX XXXX XXXX XXXX XXXX. I provided XXXX XXXX XXXX XXXX XXXX numerous times with my insurance information. I have talked to my insurance company and they have confirmed that the claim should have been filed with them. The claim was never filed. Every claim that has been submitted has been approved.I have confirmed this both with XXXX XXXX XXXX XXXX XXXX New Mexico as well as with New Mexico Medicaid. They have not received any claims from XXXX XXXX XXXX XXXX XXXX for this bill. XXXX XXXX XXXX XXXX XXXX did not do there job correctly by not knowing how to bill insurance companies correctly. Now my credit is suffering because of someone not being able to do there job right. I am demanding that the debt be erased or charged/claimed to the insurance company. Also this was before I was married, my maiden name is XXXX XXXX.
Consumer complaint received 2017-02-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (AZ)

I have been unemployed for over XXXX months and had to defer my student loans. I have to renew my unemployment benefits with the state and show proof to navient of this situation. My current unemployment benefits expire on XX/XX/XXXX. Navient has now sent me multiple emails with different amounts of payment? I received a change in loan terms email stating that my monthly payments will be {$120.00} per month. I then received another email stating that my monthly payments will be {$250.00} as a monthly statement. This is confusing because the terms of my new loan payments state {$120.00} yet I am receiving emails stating my monthly payments are higher?
Consumer complaint received 2016-05-09
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (FL)

To whom it may concern, This complains is against SLS, a mortgage servicing company. This company bought my mortgage on XXXX XXXX from XXXX mortgage. 
I received a letter dated XXXX XXXX, XXXX from SLS servicing company stating that my Condominium Unit Owner was expired ; I thought they were talking about the Hazard and Flood and I faxed it to them. After a call, I realized that they were talking about XXXX which I do n't know what it was, I never heard about it in my 10 years and XXXX different lenders in the property. I just requested the document that demonstrates that I " MUST '' have it but that never happened. If it is by law that I needed I just request in my letter to send me the appropriate law information I will proceed accordingly. From this letter I mentioned I did n't receive another XXXX until XXXX XXXX, XXXX. What I received was a letter warning that they will buy the insurance from me. In the meantime, I kept calling and requesting why I should pay this kind of insurance. 
Later on, a letter dated XXXX XXXX, XXXX stated that they bought the policy, the policy document has the issue date at the bottom ( attached ). What really surprised me was that the cited policy even thought was bought in XXXX, started from XXXX/XXXX/XXXX and expires on XXXX/XXXX/XXXX. IS THIS POSSIBLE? 
SLS after this distasteful issue they proceeded to added this amount to my escrow account. I refused to believe what they did, but it 's a fact. At the end of XXXX I decided to buy XXXX on my one to avoid another disaster, but was in vain. I bought an XXXX policy from XXXX XXXX and XXXX Insurance Company for the expensive amount of {$1000.00} for a small condo. I planned to pay it in XXXX quotes. Few days later I saw this amount also in my escrow account, later I got a check for the down payment amount. When I called the insurance company they explained that my mortgage company paid it in full. Not a phone call, not a notification. 
I have never received a call from this SLS servicing company, ( once I asked why they do n't call and the answer was they have millions of customers and do n't have time to call ). I know there are so many wrong procedures and the internet is plenty of complaints about SLS, public records of fraud and mistakes. As a result, my escrow account is now negative in more than {$2.00}, XXXX dollars. 
My biggest concern is why SLS charged me the insurance from almost a year retroactive when the first communication is dated XXXX XXXX, XXXX ( attached ). 
Thank you in advance.
Consumer complaint received 2015-09-28
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: Valarity, LLC (OK)

They have called twice already this morning, using a robo-dialer to call my cell phone. When I answer, an electronic voice tells me to please hold for a very important call and then puts me on hold with music playing. This is unacceptable, both the multiple calls and the robo-dialing then putting me on hold.
Consumer complaint received 2016-01-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (CA)

My husband and I, our mortgage is owned by XXXX XXXX. The Specialized Loan Servicing company collects the mortgage payments. We have tried multiple ways to get them to post our mortgage payments correctly, but invariably, when I go into the account, they have failed to do so. Further, the agent I spoke to on XXXX/XXXX/2016 told me that my account had an annotation stating to post the mortgage first and any extra money to the principle second. But they failed again. Now they are asking us to pay the mortgage payment and the late fee for money that is already posted in the account. Why do consumers have to put up with this kind of incompetence - I am going to try and resolve this, but these people are crooks. And based on what I see in their account posting practices, and I might also mention many people on the internet who are having the same issue, have created a very convenient revenue stream for themselves at the expense of the consumer. Please look into these people!!!!!!!!
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

XXXX XXXX XXXX XXXX violated 15 U.S. Code 1637b. It requires the creditor to provide a statement in the mail following the rules of 15 USC 16376 and I never received a statement with everything in that article of the law.
Consumer complaint received 2024-08-22
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: EQUIFAX, INC. (NY)

VALIDATION AND CEASE AND DESIST SST XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Account number : XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Dear SST, I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 



In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information The name and address of the original creditor and the current creditor. 



Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

Full complete and correct social security number to help identify me as the correct person you are trying to collect from Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

Proof that the original creditor securitized the debt.

Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-07-18
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)

Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.