davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

Hello, I went in person to my bank, Fifth Third bank in XXXXXXXX XXXX XXXX XXXX to deposit a large check written by my lawyer, XXXX XXXX with XXXX XXXX XXXX, from winning an insurance settlement from being hit in a XXXX XXXX Fifth Third bank rep, XXXX, instructed me to go across XXXX XXXX to the issuing bank, XXXX XXXX XXXX XXXXXXXX, and was instructed by fifth third bank to get a cashier check to deposit instead. I was instructed to do this by my bank to eliminate the possibility of a long hold on the check, because i have a scheduled XXXX I have to pay for. I spoke with my bank on XX/XX/XXXX for an hour and was told i would have funds available on XX/XX/XXXX. On XX/XX/XXXX i did not have access to funds and I was locked out of my bank account. I spoke to the fraud protection dept with fifth third bank on XX/XX/XXXX and a XXXX XXXX, XXXX XXXX asked me to email documentation of the funds to XXXX XXXX the branch and informed me that her boss would be calling me in the hour. I never received a call back. On XX/XX/XXXX, I called my bank fifth third again and was connected to the fraud protection department again, and was asked to send the bank slip from the cashier check from XXXX XXXX XXXXXXXX, and was told i'd receive a call back. It is now midway through the day and I still haven't received a call back from my bank. they have no communication noted from my contact with the analysts on XX/XX/XXXX and all i am being told is that they can't verify the check. It is a verified, certified, triple checked XXXX XXXX the bank instructed me to get.. I have XXXX information from my bank why im locked out or why there is a hold. It has now been XXXX  days with no answer, and XXXX access to my account or funds. I have banked with my bank for decades ... and currently i'm not being serviced or have received any answers. It seems there is lack of communication between XXXX banks, and as the client/customer, I am having to go above and beyond to hold my bank accountable to focus on my account and do their job. I was asked by my bank today to check back on friday ( after XXXX business days ) I let my bank know i can not wait any longer and need answers now. I was supposed to pay my doctor last thurday to hold my XXXX date on XXXX, and after my bank said id have access to fund on the XX/XX/XXXX my doctor agreed to wait... now its almost the XXXX of XXXX and still no answers or a call back from fifth third. I believe information I have supplied and given is well outside of hippa regulations and outside of regulations set by any financial institutes. XXXX provided included an itemized copy from my XXXX XXXX XXXX XXXX and how total amount of settlement is distributed etc. I am in need financially of these funds warrant to me and have had the most difficult time with my bank when it comes to verifying funds. How can a bank operate in such a manner...
Consumer complaint received 2024-10-03
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Paramount GR Holdings, LLC (MD)

On XX/XX/year> I made an extra payment of {$XXXX}. I wanted this payment to be applied towards principal only. However, when making the payment, it did not give me the option. My extra payment was applied towards interest and principal without disclosure. On XX/XX/year> I called the loan company and asked on how to make a payment towards principal only. I was told that their system does not give the option to apply extra payments towards principal only. Additional payments towards the loan will be split by their computer system towards principal and interest.
Consumer complaint received 2024-08-24
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. (KS)

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. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights.
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NH)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-08-04
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)

IVE RECENTLY CHECKED MY CREDIT REPORT AND NOTICED SOME UNAUTHORIZED CREDIT REPORTING : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-10-07
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Opportunity Financial, LLC (AL)

I took out this loan to bury my XXXX because he had no insurance or anything else. I have to pay XXXX every XXXX weeks, I have paid XXXX ( XXXX payments ) and they stating that I still owe XXXX??? The original loan amount was only XXXX definitely believe that I have been tricked into accepting this " Predatory lending ''!!! So they are taking my payments and not putting anything or very little, ( XXXX or XXXX dollars ) towards the principal part of the loan. 

I think this is so unfair, because I'm having to do without food, medication, etc because of this " Extremely '' high interest they are charging me! 

I have XXXX XXXX, and my medicine is very high, If I would have known that this company was gon na take advantage of me because I needed funds for my brother 's service, I definitely would have never used them, But everything looked legit online. 

PLEASE reach out to them and see if they can do anything to help me with this loan, maybe refinancing at a lower rate that I can afford? 

I know there are good people in this world, and hopefully some of the owners of this company will have enough XXXX to make this right for me, I'm going through a very rough time because of this loan, Please help me with this issue. 

XXXX XXXX
Consumer complaint received 2024-08-15
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (TX)

I have personally contacted National Credit Systems, and the information they have on file is not my information, including date of birth, address, email, and other details. Despite this, the account remains on my credit report, which I find deeply concerning. 
I spoke with a representative from National Credit Systems, a woman at extension XXXX, phone number XXXX case XXXX. She mentioned that she would send me an email with a link to submit my driver 's license and other personal information. However, I am extremely hesitant to provide any further details to them, given the inaccuracies already present in their records. 
This account is supposedly tied to an apartment complex, yet I have lived in the same house for a long time and have no association with the property in question. I do not understand how such a mistake could occur and how this account could be added to my credit report without thoroughly verifying every single piece of information. 
I am deeply concerned about how my Social Security number and other personal details could have been accessed or used in this way. Please, I implore you to investigate this matter thoroughly. I am not the person tied to this account, and this should be evident upon reviewing the personal information they have.
Consumer complaint received 2024-08-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Onity Group Inc. (IL)

I am writing to file a formal complaint against PHH Mortgage regarding the denial of my loan modification application submitted on XX/XX/year>. My previous application, submitted on XX/XX/year>, was denied due to purportedly inaccurate XXXX XXXX XXXX ( XXXX ) calculations. Additionally, I was denied a streamlined loan modification because of the XXXX value and the Helping Homeowners Modification because my account was over 90 days past due.

I provided documentation requesting that PHH Mortgage further investigate and be transparent about the values used in their calculations. My home was damaged due to flooding, and the comparables used to determine its value were inaccurate and included different styles of homes. In a letter dated XX/XX/year>, I was informed that I could reapply for mortgage assistance with updated documents. I followed these instructions and reapplied on XX/XX/year>, when my account was less than 90 days delinquent. 
Despite this, I received a letter dated XX/XX/year>, stating that my application was reviewed but denied due to prior application reviews completed during the same delinquency cycle. I believe this reasoning is incorrect and is a tactic to prevent consideration of my account for a streamlined loan modification that could reduce the principal balance. Their findings claim I have a credit score of XXXX, which is incorrect. It's XXXX. Also, stated my home is worth {$240000.00}, which is incorrect from what you will see on the attached photos. Please take note of the home in the picture noting my address. There are three townhomes attached with mine in the middle. My home is damaged. How does the homes used in the comparable for the valuations compare at all to my home? 
I filed for XXXX  XXXX bankruptcy in XX/XX/year>, and the past due amount is included in the payment plan. This information appears to be disregarded in the denial decision. I believe the statements provided by PHH Mortgage are false and obstructive. I complied with the instructions provided in the letter dated XX/XX/year>, and submitted my application when the account was less than 90 days delinquent.

I request that the CFPB investigate this matter and ensure that PHH Mortgage provides a transparent and accurate review of my application. It is crucial that mortgage servicers adhere to fair practices and provide homeowners with a genuine opportunity to obtain assistance. 
Thank you for your attention to this matter. Please contact me if you require any further information or documentation.
Consumer complaint received 2024-07-15
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (FL)

XXXX XXXX, President National Credit Systems ( NCS ) + XXXX XXXX XXXX XXXX XXXX XXXX XXXX charged fees and amounts that are a violation of state laws and contract agreement by billing for charges against laws protecting consumers in Florida- This was immediately disputed with XXXX XXXX XXXX ( documents attached ) with zero response - NCS contacted on XXXX, attempting to collect funds for invalid debt outside of the contract terms of the agreement. 
- Consumer contacted NCS on XXXX to advise of disputed debt with original creditor and spoke to XXXX XXXX - Collections Manager Contact information : XXXX / XXXX Ext. XXXX - XXXX XXXX directed Consumer to dispute debt validity using the NCS Online Submission Process which was completed by consumer - XXXX - NCS nor original creditor provided consumer any correspondence validating the debt - NCS continued collection practices through XXXX Mail letter attempting to collect debt XXXX - NCS reported invalid debt to credit reporting agencies XXXX - Consumer called NCS, spoke to XXXX XXXX - Collections Manager Contact information : XXXX / XXXX Ext. XXXX - XXXX advised consumer that NCS is able to report and collect on this debt without validating with consumer. XXXX stated that the original creditor emailed NCS stating this debt was valid so no information is required to be sent to consumer. XXXX, NCS Collections Manager stated NCS is not required to update consumer with validity of debt, when disputed and XXXX attempted to collect this debt via phone again, without validating the debt for collections. XXXX Attached documents were submitted through required NCS dispute process with explanation of debt validation needed. NCS did not respond to dispute, did not provide validity, continued to collect on this debt, and reported it to credit reporting agencies as debt.
Consumer complaint received 2024-07-12
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. (FL)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Exeter Finance, LLC. (TX)

I sent in a letter on my first police report XX/XX/2022 ( XXXX ) and letter for identity theft. Tracking Number XXXX USPS to have the account removed from my credit report. XXXX, XXXX and XXXX all removed this account from my credit On XX/XX/2022 These items where place back on my credit report by XXXX and XXXX. I called in to dispute these items immediately. I was told I can not dispute these items because the creditor said the debt was mine and the debt had been validated. I asked for proof of validation. I was told that was something that could not be provided to me as consumer. I filed another Police Report ( XXXX UPDATE ) XX/XX/2022 and sent it certified mail ( XXXX ) I attempted to dispute this account again However Experian rep told me the account would stay on my report. On XXXX I spoke with XXXX a specialist that XXXX made me pay for in a membership benefit form. XXXX told me to send in another police report. But there was not much she could do. I explained the COST of sending in information and my lack of transportation due to being affected by the pandemic. Documents sent XX/XX/2022 Tracking XXXX According to the Fair Credit Reporting act 15 USC1681.Section 602A I have a right to privacy. According to 15 USC 1681 Section 604A Section 2 No financial institution is suppose to share my information to a third party. I did not give written permission to have the accounts added to my credit report. I have also attached a recent copy of my FICO report to support and show inaccuracies. This is my second complaint with CFPB- First case number XXXX ( XXXX XX/XX/2022 ) Closed ( XX/XX/2022 ) This clearly violates my federally protected consumer rights
Consumer complaint received 2024-10-02
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A. (CA)

The card involved was issued by a department store named XXXX 's. In XXXX I received a new card from Citi Bank. I didn't request this card. It appears that Citi Bank purchased all of the XXXX 's XXXX accounts. Well, I received a new Citi Bank XXXX. The sticker on the card stated do not use before XX/XX/XXXX, So, on XX/XX/XXXX my spouse and I used the card a little bit. Accruing slightly less than {$300.00} of charges. XXXX I received an email notice that my payment was late. This was VERY upsetting. Upsetting because I haven't had a late payment in over 20 years. You can see that XX/XX/XXXX and XX/XX/XXXX don't seem right for a late payment. Anyway, I tried to log into my account with the login info I used for the XXXX card from XXXX 's. I was unable to log in to my account and my spouse had the same issue. I reached out to the card company via their contact info on the card. I was greeted by a man who understood English but his ability to converse in English was very limited. with massive frustration I requested a new person that I may be able to converse with. At that point I was transferred to XXXX at Citi Bank. XXXX was able to take a debit card account number and resolve the outstanding balance. I still haven't received a bill, and the Citi Bank XXXX didn't offer me a copy. This should have been easy to because they could send me a notice the I was late. Not really late because they could send me a late notice for charges that are only 16 days old. Thats not late anywhere in the world. I don't know if I was charged a late fee. That is scary. I had to give up my home address to XXXX because he couldn't release personal information to me even though it is my information.
Consumer complaint received 2024-10-06
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA (TX)

I have made payments to my Apple Card issues by Goldman Sachs and they place it on a ten day hold. However I make other payments and they are available immediately. The payments of {$550.00} and {$110.00} made on XX/XX/XXXX are on hold until XX/XX/XXXX making it where I have a late utility and two other bills
Consumer complaint received 2024-10-04
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (CA)

Hi, I am writing to formally complain about SEQUIUM ASSET SOLUTIONS regarding the handling of a disputed debt. I previously contacted the company to dispute the debt on XX/XX/year>, as I had already paid off the balance in full at the time I moved out from XXXX XXXX in XXXX. Along with my dispute, I provided a balance sheet showing a XXXX balance. 

Despite this, the company has added the debt account to my credit report without providing any response or additional information to me. This has placed me in an unfair position and I believe the company 's actions are in violation of the law. 

I respectfully request that you review this matter and take immediate action to resolve it, including removing the inaccurate debt from my credit report. I also expect a formal response explaining how this situation occurred and what steps will be taken to rectify it. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-09-05
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. (AR)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-07-16
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: Experian Information Solutions Inc. (MD)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-10-04
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Early Warning Services, LLC (CA)

I am a XXXX XXXX XXXX XXXX  holder. XXXX XXXX sent me an email message that they enrolled me in PAZE. I did not request this. I contacted XXXX XXXX and they said that their automated system enrolled me in PAZE. XXXX XXXX provided my personal information to PAZE. In talking with the XXXX XXXX customer service representative for 35 minutes, he indicated that he did not know what personal information was sent to PAZE. Although XXXX XXXX enrolled me in PAZE, the XXXX XXXX  customer service representative said that he could not unenroll me in PAZE and that I would have to talk to PAZE. He said that XXXX XXXX 's automated systems automatically enrolled people in PAZE without their permission. I attempted to contact PAZE ; they only have a web site. In order to unenroll in PAZE, they requested personal information. I am not willing to provide my personal information to PAZE. There is no PAZE phone number, but there is a PAZE email address listed. I sent an email to that PAZE email address and received an automated message a second later saying to go to the PAZE web page. I have not heard from PAZE again. There is no way for me to contact PAZE to unenroll in PAZE. 
Please help me. This seems like a huge scam.