davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AZ)

I have been trying to have a late payment reflecting on my credit report corrected for months, I was in deferment from XX/XX/XXXX and the past due payment was reported XX/XX/XXXX, I was advised the credit bureaus would be sent the information as well and any incorrect information will be updated. This is what has happened in the past, I have never ran into such a difficult situation having information reported incorrectly and going in circles with trying to have it corrected. XXXX provided me with a copy of my deferment document to send to experian and I did but nothing was corrected. There are other loans that were accurately reported but this specific one has not yet been corrected.
Consumer complaint received 2024-09-17
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

XXXX, I called the home equity department to dispute the transactions over the phone the agent did not understand what I was seeing on my end where the balance was not reflected. 

Then I submitted a request on XXXX. 

After which I made multiple attempts over the phone and via email to a bank representative. 

I have the request, screenprint to show balance not adjusted after payment and email chain where I asked for a status on numerous occasions attached below. 

XXXX,
Consumer complaint received 2024-10-03
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (TN)

I had a XXXX card for years. Recently Citibank took it over from XXXX XXXX. Now it had the request an increase option on the website ( XXXX XXXX never had that option ). I have requested increases before and it has NEVER been a hard inquiry. With this one, it was. I tried filing a XXXX  complaint and CITI is stating they had a button on their page where it says its going to run a hard inquiry, I did not see that on their, their website barely works as is, and now I have a hard inquiry on my report for a card I ALREADY had and they are refusing to remove it, as if it is something that will personally affect them. Its pure rudeness and or laziness, as well as bad communication on their website. If I knew it was going to give me a hard inquiry for a card I already had, which again a credit increase has never given me a hard inquiry before on ANY other card, I would not have requested it. Their practices, website, and customer service, all need to be investigated. The attachments are I just tried to do it again to show that it doesnt show it, and it just had an arrow over to request the increase and then showed that message. My next step will be to contact a lawyer.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-09
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (PA)

I have been enrolled in electronic billing with Synchrony for my XXXX XXXX XXXX card for several years now. For the second time this year I did not receive the email statement. This first occurred in XX/XX/2024 and I incurred interest and a late fee of {$30.00} dollars. When I called I was told that the email had been undeliverable per their records, but they had made no attempt to contact me. The fees were reversed. Just yesterday I got a text reminding me about a payment due. I had not received and emailed statement and this was the first time I have ever gotten a text message from Synchrony about a credit card payment. On investigation ( checking email accounts, spam and trash folders, checking my text trash ) I discovered I had not gotten any notice of payment due for the month of XXXX. Upon calling today I was told the email was sent and confirmed my email address and that the fees could not be reversed since it had already been done once this year. Furthermore, it would cost me {$1.00} a month to get paper statements, even though they can not manage to get the electronic statements to me. I have another credit card through Synchrony that has not had any problems with communication and I am beginning to suspect some sort of scam to get fees from people who don't pay attention to their bills. The representative stated she would open a inquiry, but I doubt I will ever hear anything. Is it legal for the this company to charge me for paper billing?
Consumer complaint received 2024-10-03
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Onity Group Inc. (MI)

I have been trying since XX/XX/year> to obtain a loan modification from PHH mortgage. I had been given a modification in the past, but this time I was informed that I do not qualify for anything. In order to see what options were available to me through HUD, I asked to speak with a Loss Mitigation Specialist and was denied. If you listen today 's recording between myself and the representative you will hear me ask several times to speak with a Loss Mitigation Specialist. In order to see what my options are, I have to speak with the Loss Mitigation Specialist as it clearly states that all of HUD 's Loss Mitigation programs are coordinated through your mortgage loan servicer. 

I have reason to believe that the my account was never reviewed to see if I qualified for any loan modifications under HUD. I believe my rights were violated and this has caused my house to go into foreclosure. 

I was told that it didn't qualify for a modification because the bank didn't offer them, and that the policy had been changed. I asked for a copy of the policy noting the change and never received it. I called back a week letter and asked another representative about this and he said that the policy was not change. PHH Mortgage has been dishonest in their dealings.
Consumer complaint received 2024-10-01
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Upstart Holdings, Inc. (CA)

This account represents a clear breach of contract and is fraudulent in nature. The bank failed to provide me with essential information regarding this fraudulent account, which is a direct violation of my rights as a consumer. Therefore, I urgently request the Consumer Financial Protection Bureau ( CFPB ) to handle this matter directly, as the bank 's actions have resulted in significant harm to my financial well-being. The account is : UPSTART NETWORK INC. XXXX
Consumer complaint received 2023-12-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA (TN)

Student loan forgiven and received letter from Mohela. When I sign into dept of Ed and Mohela my balance is XXXX. Disputed with all credit bureaus and they send back results showing still have balance of XXXX on my credit report. I need this updated to XXXX balance please.
Consumer complaint received 2024-09-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NC)

I would like to dispute the alleged debt and request a debt validation of the debt details. 
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 which states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 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. I would like the name of the original creditor, the account number associated with the debt, proof that I am the person who actually owns that debt, I would like the amount of the original debt, also an itemized statement showing how the current balance was calculated, as well as documentation that they have legal authority to collect on the alleged debt. In no way am I admitting to the debt until the debt is proven valid, because I am in fact disputing the validity of this debt. Per the FDCPA said company must seize all debt collection efforts until they prove proper validation. Please provide the requested documentation in writing within 30 days. Failure to comply with validating the debt will be taken as an absolute refusal to do so.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE (FL)

I have informed both credit bureaus and Barclays about reporting inaccurate information. The information provided by Barclays is not what shows on my credit report, therefore violating my rights. 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 public confidence, which is essential to the continued functioning of the banking system.
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-19
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: Duvera Billing Services, LLC (PA)

Approximately XX/XX/24 I Received a text message from easypay for a bill from XXXX XXXX XXXX XXXXXXXX. I did not recognize the vendor and deleted the text. 
I received a letter on XX/XX/24 from Easy Pay saying they had taken over billing for XXXX XXXX XXXX XXXX and that I owed {$210.00} biweekly for 26 weeks. First payment due XX/XX/24 interest rate 178.99 %. All of the details are SHADY. When I called Easypay they told me to email their Fraud department. When I called A & K appliances they said they would get back to me after the went through their files. 

Neither satisfactorily canceled the bill.
Consumer complaint received 2024-10-03
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NRA Group, LLC (TX)

Collection Agency Name National Recovery Agencies Last XXXX of XXXX : XXXX I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records from third parties. I do not recall giving permission to Texas Hospital for them to release my medical information to a third party. I understand that the HIPAA does allow for limited information about me but any details may only be revealed with the patients authorization, therefore my request is twofold and as follows : Validation of Debt and HIPAA authorization - Please provide a breakdown of fees including any and all collection costs and medical charges- Please provide a copy of my signature with the provider of service to release my medical information to you - Immediately cease any credit bureau reporting until debt has been validated by me Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request. 

Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant will be a violation of the FDCPA because you will be deceiving me after my written request. I am requesting full documentation of what you received from the provider of service in connection with this alleged debt. 

Furthermore, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. 

I await your reply with the above requested proof. Upon receiving it, I will correspond back with you by mail.
Consumer complaint received 2024-09-26
Product: Credit 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: DISCOVER BANK (NJ)

Flight was cancelled had to book later flight that arrived after the rental office was closed. I was informed the keys would be left in the car. ( this was dollar rental and it was after XXXX am ) upon arrival there were no keys in car and they were closed. The next desk over as XXXX and they were still open and I was able to rent from them. when I got home I contacted XXXX ( who is the parent company for most of these rental cos ) and discover ( XXXX XXXX XXXX  ) I had to file a dispute at which I was told I was out of luck. Dont think this is a good business practice since I was there even with a later flight and if not for XXXX me and my family would have had to sleep in the building of the airport. I have all paperwork to back up my story
Consumer complaint received 2024-08-16
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (GA)

the money was transferred in the name of my niece to a group of volunteers from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX at the end of XXXX and beginning of XX/XX/year>, were intended to rent a truck and pay for gasoline. From the XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I repeatedly called the money gram company. I have not received an answer to the question of where my money is for a little over 2 months. After contacting the CFPB with a complaint that my money was missing and no one was giving me a clear answer, the money was returned to my account in maybe 12-15 days. I transferred money from my bank account to a bank account in XXXX. I send {$2000.00} to XXXX in XXXX whom I personally know. 
I send {$2000.00} from my bank account in XXXX to bank account my niece in XXXX. This money was intended for a group of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. For more than 2 months I didn't know where my money was. 
I can/t log into my online account on MONEY GRAM. Answer- missing or not found. I can/t open my mailbox either. Answer- hacking attempts and my mailbox was blocked!
Consumer complaint received 2024-08-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I had fraud on a XXXX XXXX credit card and i reported the fraud in the begging of the year, XXXX XXXX canceled my credit card accepted the fraud claim and i destroyed the new card that was sent to me in the mail. 

The account has had no new activity but somehow they ( XXXX XXXX ) decided to put back some of the fraudulent charges back on my credit card and so the automatic payment didnt go through because the account has been dormant for so long, i dont have access to the connected bank account that was on the automatic payment so in short the payment was rejected and considered late as soon as i found out about this i corrected it and informed XXXX XXXX and they credited back the late fees but now i have a late reported payment on my credit reports with all three agencies please remove this late payment as it was never late it was fraudulent activity and still it was never late anyways.
Consumer complaint received 2024-08-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I had fraud on a XXXX XXXX credit card and i reported the fraud in the begging of the year, XXXX XXXX canceled my credit card accepted the fraud claim and i destroyed the new card that was sent to me in the mail. 

The account has had no new activity but somehow they ( XXXX XXXX ) decided to put back some of the fraudulent charges back on my credit card and so the automatic payment didnt go through because the account has been dormant for so long, i dont have access to the connected XXXX XXXX that was on the automatic payment so in short the payment was rejected and considered late as soon as i found out about this i corrected it and informed XXXX XXXX and they credited back the late fees but now i have a late reported payment on my credit reports with all three agencies please remove this late payment as it was never late it was fraudulent activity and still it was never late anyways.
Consumer complaint received 2024-08-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Shellpoint Partners, LLC (TX)

In XXXX of XXXX they purchased our loan and we received our first statement on XX/XX/XXXX. 

Issue number XXXX ( XX/XX/XXXX- XX/XX/XXXX ) - Charging insurance to our account beginning XX/XX/XXXX. We have had full and complete coverage, but Newrez decided to add coverage to our property. They added charges accordingly. Notifications were sent to an old address, so we never received any notification. We are not sure how the addressed changed from when they took over the account to XXXX, but they reverted to an old address. Because of their incorrect address change, this went on like this for several months. We are autopay, so all we knew was that they were receiving our payments. By XXXX of XXXX they had finally called us and we immediately provided the necessary XXXX documentation and expected this to be resolved. They were using our mortgage payment to escrow for insurance and taxes that we did not owe. 

Issue number XXXX - ( XX/XX/XXXX- XXXX ) By XXXX they had indicated that our account was overdue and for us to avoid a credit impact, we were requested to pay additional funds while they were figuring this out. We decided to pay the additional money, even though we had never missed a payment and did not actually owe any money. But we did not want our credit affected from a mistake that NewRez had made. 

- XX/XX/XXXX - XXXX check was sent from NewRez for {$560.00} which was supposed to be a reversal of escrow and money we had overpaid. We deposited the check on XX/XX/XXXX. 

- XX/XX/XXXX- Newrez issued a 2nd check for {$560.00} which we never received, they put a stop payment on the check during XXXX and then charged us late fees and NSF fees associated with this. 

Issue number 3 - Address - XX/XX/XXXX - XX/XX/XXXX- the correct mailing address was used - it is a Texas address - XX/XX/XXXX - XXXX XXXX- the incorrect mailing address was used - it is a Florida address and is about XXXX XXXX XXXX. 
- XX/XX/XXXX - current - the correct mailing address is being used. This could not have been changed by us, we were out of the country for an extended time. 

We have had several calls and letters exchanged with the company and while the supervisors understand the issue, it remains unsolved. 

We need some help please! 

We were never late, We always had insurance, We never changed our address and we had to pay extra and it still is not resolved.
Consumer complaint received 2024-04-15
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (TX)

I called Navient back in XX/XX/2024 to inquire about receiving an application from them since I am a class member in the Sweet vs. Cardona lawsuit and Ive been awarded a full discharge on my federal loans. I notified them that I am aware that there are applications being mailed to individuals whove received full discharge on their federal loans and may also be eligible for full discharge on their private loans if they received full discharge in their federal student loan case due to misconduct. The representative stated she had no idea about said program and could not help me. It is now XX/XX/2024 and Im seeing more and more information in regard to this application with Navient.
Consumer complaint received 2024-10-02
Product: Mortgage — FHA 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: Idaho Housing And Finance Association (NM)

This is the XXXX time. I sent you an e-mail to no response. This is XXXX XXXX. Address XXXX XXXX. XXXX, NM XXXX. I called several times about assistance and payment help. I called about getting a forbearance. I was lied to by customer service. I tried to get assistance to no avail. Please call me at XXXX XXXX XXXX or email at XXXX.
Consumer complaint received 2024-09-30
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Security Credit Services, LLC (GA)

To Whom It May Concern, I am writing to address your recent communication concerning the debt referenced above. As mandated by the Fair Debt Collection Practices Act ( FDCPA ), I request that you validate the debt in question. 

I contest the legitimacy of this debt and ask that you supply me with the following information : The original creditors name and address. 
The original account number and the amount due. 
Evidence of your authorization to collect this debt. 
The dates and sums of any payments made towards this debt. 
The date of the last payment made on this debt. 
Any relevant interest or fees added to the debt. 
Additionally, I request that you furnish me with copies of any documents or contracts that substantiate your claim that I am liable for this debt. Please provide all requested information within 30 days of receiving this letter. 

If you are unable to furnish this information or verify the debts legitimacy, I ask that you cease all collection efforts and remove this debt from my credit report. 

Be advised that any further attempts to collect without providing the requested information will be deemed a violation of the FDCPA and may result in legal action against your agency. 

I appreciate your prompt attention to this matter. 

Sincerely,