davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (TX)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. More so, they didn't follow the proper procedure in notating my dispute of the account, which is a direct violation of 15 USC 1692e ( 8 ), which makes this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights. 

I demand this company to delete this account from all XXXX credit reporting agencies and compensate me for the violations or I will have no choice but to forward this to my litigation attorney who has advised me that the fact that they didnt notate my account on my credit report as consumer disputes as a violation that I am able to sue them under.
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (NY)

I have a payment arrangement with Credit Acceptance for which they are reporting me 6 months late after every payment that is made. According to the FCRA, they are supposed to be using Codes XXXX  and the monthly reporting code should be " G ''. This way creditors see that I'm addressing the debt and making payments. In calling Credit Acceptance, they said, " That's the way they do things. '' This is why they've been sued. They will not change the coding and want to keep affecting my credit which is illegal. The disputes to XXXX and XXXX  were not attended either.
Consumer complaint received 2022-11-24
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: Experian Information Solutions Inc. (FL)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be updated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Credit Karma (IN)

They have duplicate credit cards on my credit report, which they claim not to see on their end. They duplicate credit cards even after you enter them manually, which increases your debt and lowers your credit scores. In addition, they claim on the site that if you apply for a personal loan that it will not affect your credit score, but it does!
Consumer complaint received 2024-07-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC (FL)

Hello, My mortgage was transferred from XXXX XXXX to NewRez in XXXX of XXXX. My account history is so jumbled up it's virtually impossible to follow. On 2 occasions I made a payment of {$5000.00} to the principal. Neither was either applied or applied correctly. The first one was applied a a regular payment with the excess going to the principal. The 2nd payment was not applied at all and just sat there for almost 3 weeks until I called and asked why it had not been applied. In general, there are so many additions and deductions that I can not follow what my balance should be. I know for sure I am being overcharged for interest as the principal was never adjusted for payments in a timely manner, if at al. 

Thank you,
Consumer complaint received 2024-07-26
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (LA)

In XXXX I purchased a lawnmower from Lowes using Synchrony 's pay later. I made the initial payment of XXXX on XXXX XXXX. Later in XXXX, I found out I was eligible for Louisiana SCRA benefits on credit accounts and submitted a request to Synchrony to have SCRA benefits applied. Synchrony applied the benefits to all accounts after providing appropriate documentation. This pay later account, however, is inaccurately reflecting the benefits. After submitting, the account updated online to show a minimum payment of XXXX due, which I promptly paid on XX/XX/XXXX. After making that payment, the account updated again and began inaccurately reflecting a minimum payment due of the entire loan balance and 24.99 % interest. I called several times and spoke to representatives as well as chatted using the online chat system and was informed the minimum payment due would be approximately XXXX dollars and that the system would update within 60 days. This has yet to happen. I continue to make the XXXX dollar payment as reflected in the attached screenshot of payment history. The account is reflecting as delinquent when it should not.
Consumer complaint received 2024-07-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Credit Karma (OH)

They conveniently allowed my account to over drafted by some some one other than me. While I the account holder could not. Forcing me to close my debit card right around the same time my money is about to load. They are refusing to correct their error
Consumer complaint received 2024-07-26
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: CITIBANK, N.A. (NY)

I TOOK A LOOK AT MY XXXX REPORT AND NOTICE AN UNAUTHORIZE INQUIRY FOR CITIBANK NA, INQUIRY DATE WAS XX/XX/year>. I DID NOT GIVE PERMISSION FOR MY REPORT TO BE PULLED BY THIS COMPANY NOR GAINED BENEFITS FROM THEM. I AM REQUESTING THEM TO SHOW ME PROOF OF ME GIVE THEM PERMISSION TO PULL MY REPORT. IF THEY CAN NOT PROVIDE INFORMATION IMMEDIATELY OR I WILL MOVING FORWARD WITH LITIGATION. THATS A VIOLATION OF PRIVACY AND 15 USC 1681.
Consumer complaint received 2019-07-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (MA)

Hi, and please investigate this. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Consumer complaint received 2024-07-26
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY (NY)

I HAVE OVERDRAFT PROTECTION ON MY ACCOUNT. I OVERDREW MY ACCOUNT OVER THE XXXX XXXX  THE RULES OF THE BANK IS TO HAVE YOUR ACCOUNT BACK TO A POSITIVE BEFORE XXXX THE NEXT BUSINESS DAY, MADE SURE IT WAS BACK TO A POSITIVE BEFORE THE NEXT BUSINESS DAY. THE BANK CHARGED ME XXXX XXXX WHEN I CALLED THEM TO DISPUTE THE FEE THE STATED THAT THEY COULD NOT REFUND THE XXXXXXXX XXXX EVEN THOUGH I HAD MY ACCOUNT BACK TO THE POSITIVE. THIS IS THE XXXX TIME THIS WEEK THAT THIS HAS HAPPENED WITH TD BACK. I EVEN SPOKE TO A SUPERVISOR ABOUT THIS. NOW MY NEXT STEP IS CONSUMER FINANCIAL PROTECTION BUREAU
Consumer complaint received 2024-07-26
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC. (FL)

I still cant add bank account or withdraw my XXXX Even tho company claimed they fully fixed me account Even if I add bank account they will say you have to withdraw using the original form of deposit which was XXXX So how can I withdraw my money huh? 

They are obviously doing as much as shady tactics to steal my money as much as possible I need this fixed as soon as possible
Consumer complaint received 2024-07-26
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CarMax, Inc. (MN)

Company has been contacting me regarding this auto loan, company has taken it far to have a law enforcement agency reach out to me regarding this debt never gave me information to dispute this debt and repair credit, when I informed them there data was inconsistent and that my payment history was in accurate and last date of activity is not accurate credit reporting company did not fix and when I took it to the source at Carmax and filed a dispute with them they informed me information was accurate and readded the debt back to my credit report and never gave me information from this company to dispute the inaccurate they had on my credit profile causing my credit score and payment history to not be consistent via XXXX, XXXX, and XXXX.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Eastern Account Systems of Connecticut, Inc. (FL)

Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692g, I requested validation to Eastern Account System of Connecticut , Inc. of this alleged debt ( XXXX XXXX XXXX  ( Account Number : XXXX ) /Re : XXXX which they have failed to provide proof, i.e. AGREEMENT THAT GRANTS THEM THE AUTHORITY TO COLLECT THE ALLEGED DEBT, THE MASTER BILL OF SALE as it did not include any documentation supporting the validation of the debt KNOWING THAT THEY ARE NOT even authorized to Conduct Business in the state of Florida. I am also including the cease and desist letter sent to them dated on or about XX/XX/year> XXXX
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: I.C. System, Inc. (FL)

Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692g, I requested validation of the alleged debt ( XXXX XXXX ) from I.C System which they have failed to provide proof, as it did not include any documentation supporting the validation of the debt. 
FYI. From what I truly know and what I can truly prove that : 1. You are not even authorized to Conduct Business in the state of Florida. 
2. The presence of this ALLEGED DEBT from you ( I.C. System ) significantly impacts my ability to access credit, secure favorable loan terms, and achieve my financial goals. 
3. Negatively impacts my creditworthiness to family members, friends, car, and financial standing. 
4. Defamation of character 5. ITS ILLEGAL for any collection agency to buy up any alleged debt from any original CREDITORS and come after any consumer. 
6. I did not give you ( I.C. System ) any CONSENT ( WRITTEN/VERBAL ) to report anything on my consumer report which violates my rights as a federal protected consumer. 
7. IDENTITY THEFT ( AGGRAVATED ) ; BREACH OF PERSONAL INFORMATION
Consumer complaint received 2023-11-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (GA)

MOHELA the commercial dot com company being used to service federal student loans, is sending out confusing and erroneous billings that are hap-hazard and erroneous. 

The education department has withheld payment to MOHELA ( see attachment ), due to the lack of accurate billing and the instantaneous defaulting errors. The problem however is much deeper than has been acknowledged. In their haste to respond, MOHELA did not apply IDR plans to the billing. And as such expose students to high potential of default. 

MOHELA is sending out billing statements that do not reflect any XXXX XXXX XXXX ( XXXX ) plan loan recipients adjusted billing. By not billing according to the established XXXX plans that loanees may have accepted, MOHELA is again creating the foundation for default. The reason students accepted the Income base repayment plan was because mathematically they could not afford payments on low incomes. MOHELA is ignoring the repayment plans and are billing full amount, increasing potential for defaults. 

My Loan ( s ) were put in IDR in years XXXX to Current. I also agreed to automatic recertification ( see attached ) which allows the Federal Government to review my tax filings each year and adjust my payment schedule amount according to my income. Loans from all years are bundled into a single payment which is based upon my Income. 

The Federal Government via the Education Department has notified MOHELA of the IDR but MOHELA has not acknowledge it in billing. Additionally, because MOHELA was delinquent in its billing I was forced to send a payment to the XXXX XXXX XXXX department for the Month of XX/XX/XXXX ( see attached ). Typically, the XXXX XXXX XXXX Department will forward any Payments within 30 days to Commercial Loan servicing companies like MOHELA, who has not sent any acknowledgement of the payment and how it was applied. 

In remedy, MOHELA should send billing according to the XXXX plans, which they have not done. All prior billing should be cancelled because of the error of the billing which did not apply the XXXX plans. Future billings should acknowledge the XXXX plans. No XXXX eligible for the repayment plan should be forced into default because of MOHELAs erroneous billing. 

APPLY ANY ESTABLISHED INCOME BASED REPAYMENT PLAN PRIOR TO SENDING OUT BILLING APPLY THE CURRENT SAVE REPAYMENT PLAN IF APPLICABLE PRIOR TO SENDING OUT BILLING. 
NO DELINQUENCY OR DEFAULT OF PAYMENT SHOULD BE RECOGNIZED UNTIL MOHELA CORRECTS AND UPDATES THE APPROPRIATE REPAYMENT PLAN INTO THE BILLS. 
UPDATE BILLING INFORMATION TO REFLECT THE PAYMENT ( XXXX ) MADE TO FEDERAL STUDENT LOAN ( SEE ATTACHED ) WHILE MOHELA STUMBLED TO BILLING CYCLE.
Consumer complaint received 2024-07-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF HAWAII CORPORATION (NV)

{$2900.00} IS OWED TO ME. MY BUSINESS DEBIT CARD WAS STOLEN AND USED FRAUDULENTLY. BANK OF HAWAII REFUSED TO CONDUCT AN INVESTIGATION. BANK OF HAWAII NEVER ISSUED A PROVISIONAL CREDIT WITHIN XXXX BUSINESS DAYS. BANK OF HAWAII IS IN VIOLATION OF FDIC RULES AND REGULATIONS REGARDING BOTH CHECKING ACCOUNT AND DEBIT CARD FRAUD PER FDIC.
Consumer complaint received 2024-07-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Selene Holdings LLC (MA)

On XX/XX/XXXX, my daughter and I were approved for a loan modification from Selene Finance. According to this letter, the modified amount was {$3100.00}. We agreed to this loan modification packet, signed, notarized and returned by XX/XX/XXXX. The first payment would've been due on XX/XX/XXXX. Out of curiosity, I decided to call on XX/XX/XXXX to speak to an agent and touch base on the modification, right there and then I was told by the customer service agent that the modification was cancelled by the borrower. Neither my daughter or I spoke to anyone to cancel this loan modification if I originally requested to obtain one in the first place. I asked details about the cancellation and the person was unable to provide answers of who and when made that phone call. My daughter and I were truly devastated. Until then, we were waiting for the first payment to be withdrawn from my account which never happened according to the modification agreement. XXXX months later, XX/XX/XXXX, we decided to call again and found out the loan modification was approved again for the second time in the amount of {$3200.00} which first payment was due on XX/XX/XXXX of XXXX. We were confused because we did not sign any new packages nor received anything in the mail about this second modification. We asked why we weren't noticed sooner? The agent could not determine the reason why. I have been residing at my home for XXXX XXXX years. I do not want to lose my house for past due amount of {$27000.00}. It's been hectic since the previous loan servicer switched to Selene Finance. I have called and sent numerous letters to Selene Finance to figure out a solution for me to catch up on the past due amount. I am capable of making monthly payments, but they are not being cooperative. The end goal is to find a solution whether I can be on loan modification again since it was their fault or come up with a repayment plan.
Consumer complaint received 2024-07-25
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: LEXISNEXIS (SC)

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. 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.
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

Description of What Happened : USAA is not following US consumer laws. There are several companies reporting negative items on my credit report past 7 years. This is against the law, a violation of the Fair Credit Reporting Act ( FCRA ), and these items should be removed immediately. 

In addition, I was a victim of multiple data breaches by two Fortune 500 companies, XXXX and XXXX XXXX. I was informed by both companies that my information was affected by these breaches. As a result, multiple accounts were fraudulently opened in my name with various companies, and these debts were never paid. 

I have taken the following actions : Filed an identity theft report affidavit with the Federal Trade Commission ( FTC ). 
Contacted XXXX to dispute the outdated negative items and fraudulent accounts, but no action has been taken to correct my credit report. 
I encourage the CFPB to investigate these violations and hold XXXX accountable. 

Thank you.
Consumer complaint received 2024-07-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: RoundPoint Mortgage Servicing LLC (NJ)

I made sure lender Roundpoint Mortgage Servicing llc. is aware that I have a homeowners policy in place and I am not going to pay for any policy they purchase. I have already sent proof there was no lapse in my insurance on XX/XX/year> by uploading it to their website as requested in a letter I received that day. I got another letter from them on XX/XX/year> so this time I emailed the proof of my insurance to them while on the phone with their representative. She confirmed she received it. 

Today the mortgage company advised in email : " We are reaching out to advise of the escrow disbursement recently completed on your behalf. Please see the information regarding this disbursement below : Disbursement Date : XX/XX/year> Disbursement Amount : {$2300.00} Disbursement for : Insurance Please note, this email is intended to be used for informational purposes only. There is nothing needed from you at this time for disbursement. '' I responded by attaching the proof of insurance to and sent to them. Since there has never been a lapse in coverage on my policy I am not responsible for any policy they take upon themselves to purchase. 

It seems they are unjustly ignoring the proof of homeowner 's insurance coverage so they can take money they are not entitled to.
Consumer complaint received 2024-07-25
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc (NC)

We paid the account on XXXX XXXX and have confirmation. They never updated the credit companies. Weve disputed XXXX times and they still keep saying we owe them, but we have proof that we have in fact paid them,
Consumer complaint received 2024-07-25
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CarMax, Inc. (TX)

Without my consent, the payment that was made on XX/XX/year> was transferred to interest, something that I did not authorize and at this time they informed me that I have not paid the 6th month and because of that my credit score is low and I need help with this problem
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I am a preferred member with Bank of America and have banked with them for a long time. There are XXXX late payments reported in 2021. I sent in the payments on time. I am not sure why they have them reported as late payments. I tried to resolve with a banker and no one was able to help. Please help resolve this matter as soon as possible as it is effecting my credit.