davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-21
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Capio Partners, LLC (TX)

Beginning of 2024, I receive a letter in the mail about a debt. I called the debt collector and ask them about the debt, because I do not recognize it. The debt collector tells me that the statute of limitations has lapsed, and I don't need to worry about the debt. I ask them to confirm that no action is needed on my part, and they give me a phone number to contact for a firm that gives advice regarding this information. 

I called that phone number, and the person on the other line confirmed that the statute of limitations has passed, and there is nothing I need to do. 

In the summer, the debt collector begins to call me non-stop again. In XXXX, I answer the phone, and a different person answers this time. I explain to her that someone from her company told me I don't need to do anything and the statute of limitations has passed, and she insists that I have this debt and I need to pay it. I tell her I don't know what the debt is for, and she hangs up the phone on me. XXXX days later, I receive a letter in the mail saying " we have received your dispute regarding the validity of the above-referenced account '' accompanies with verification of debt. 

The letter has no information about how I dispute the debt, nor does it have a time frame in which I must do so.
Consumer complaint received 2024-07-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

i sent my 2nd letter to the cra 's on XXXX about the inaccurate and incomplete information they are reporting on my consumer report. they are in violation of 15 usc 1681s-2b for not deleting the inaccurate information from my credit report.Also, 15 usc 1681eb for not providing maximum accuracy of reporting information.

i am requesting that the information be deleted from my credit report and that XXXX give me a score and stop hiding it from me
Consumer complaint received 2024-08-28
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Fees charged
Company: PENNYMAC LOAN SERVICES, LLC. (TN)

Payment for XX/XX/2024 was made on time and through my mistake was {$44.00} short. Today XX/XX/XXXX I was informed I was being charged a {$61.00} late fee. I have never been late or missed a payment for my mortgage since being a customer with Pennymac. I never recieved a phone call, email, or letter informing me of being {$44.00} short. I tried speaking with the agent but was told it is their policy to not wave late fees. I could understand if I was habitually late but in XXXX XXXX  of being in this house I have never missed a payment or been late. Why was I never contacted by collections?
Consumer complaint received 2024-08-28
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SUNRISE CREDIT SERVICES, INC (NJ)

After reviewing my consumer report I've noticed that this company is reporting a collection account stating that I owe them an alleged debt. Not only are they reporting this account to my credit unlawfully, but they're calling me nonstop throughout the day at unusual hours. I contacted the credit bureaus that has this debt reporting and asked them to not only investigate this account but remove it if it can not be properly verified. How can I owe a debt if there was never an agreement nor contract between me and the creditor reporting this account? I asked this creditor to cease all communications with me unless they can properly provide me all of the documentation asked in my letter. included in my complaint is a copy of my letter to the creditor and a copy of my consumer report with the unlawfully reporting account.

Violations committed by the creditor : 15 U.S. Code 1692g - Validation of debts, 15 U.S. Code 1692c - Communication in connection with debt collection, 15 U.S. Code 1692e - False or misleading representations
Consumer complaint received 2024-10-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (CA)

XXXX XXXX XXXX was garnishing my wages through the court. I paid in full, and my wages have been garnished twice now since the payment has been received, even after being informed that payment has been submitted. The company has had XXXX business days to procure a release and has failed to do so.
Consumer complaint received 2024-08-28
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Credit Fresh Holdings Inc (OH)

I believe the practices are deceptive and they prey on individuals with bad credit. They gave me a line of credit of XXXX and the amount keeps growing because they are deducting from my account on a biweekly basis. I guess it is my fault for being so desperate and not really paying attention but I thought my payments were monthly. For example my balance is growing day by day and my payments are XXXX biweekly and my balance is getting higher and higher everyday if I only make the minimum payment. They make it impossible to pay off this line of credit by making payments. After I realized how high I was paying I did pay it off but just had emergencies come up where I had to use it. I was attempting to try and pay it off but just had a XXXX car repair which will not allow me to pay it off and I believe these payments are going to cause great financial strain. I called the company and all they offered was to skip a payment and add it to the next payment which would just make it worse. Please look into this company and their lending practices.
Consumer complaint received 2024-08-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc ()

On XX/XX/XXXX, I initiated a {$1500.00} transfer from my PayPal account to my bank account ending in XXXX. After deducting the {$35.00} PayPal fee, the transfer amount was {$1400.00}. Despite PayPals promise of a maximum 7-day transfer to bank period, it has now been 12 days, and the funds still havent reached my bank account. 

PayPal provided me with an 18-digit ARN number last Friday. However, as it was an ACH transfer, this number is not useful for tracing the funds. My bank has informed me that they require an ACH Trace ID, which PayPal has not provided. 

I am extremely concerned and frustrated by this delay and the lack of a proper trace ID to resolve the issue. I urgently request that PayPal provide the necessary ACH Trace ID so my bank can locate the funds. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-08-28
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: Lennar Financial Services, LLC (FL)

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Lennar Mortgage regarding their handling of my mortgage application process. My experience with the company has been fraught with mismanagement, delays, and what I believe to be unfair practices. 

Details of the Complaint : 1. Repeated Misplacement of Documents : On more than one occasion, Lennar Mortgage has misplaced critical documents that we provided as part of our mortgage application. This has caused unnecessary delays and added stress to an already complex process.

2. Unending Contingencies : Throughout the process, Lennar Mortgage has repeatedly requested additional documentation, each time stating that it would be the final contingency. However, after providing the requested documents, yet another contingency is raised. This cycle of one more contingency has continued without clear communication or resolution, leading us to question the fairness and transparency of their practices.

3. Communication Issues : We have also experienced poor communication from Lennar Mortgage, with requests being sent late in the day, and representatives becoming unreachable immediately after. This has made it extremely difficult to address issues in a timely manner, further complicating the process.
Consumer complaint received 2024-08-28
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Credit Fresh Holdings Inc (IN)

Signed up for this loan with their misleading policies for payment and even though I have paid almost the same amount as the loan I still owe the same amount as when I took the loan of about {$1500.00}.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XX/XX/XXXXXX/XX/year>
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed/updated. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2024-10-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MO)

To Whom It May Concern, I am writing to file a formal complaint regarding Portfolio Recovery Associates , LLC 's attempts to collect a debt associated with a XXXX XXXX XXXX credit card account that was fraudulently taken out in my name. This account was not opened by me but by someone else who stole my identity. The fraudulent activity has been reported to the Federal Trade Commission ( FTC ), and I have taken all necessary steps to document the identity theft and protect my credit. 

Despite my efforts, Portfolio Recovery Associates , LLC continues to pursue collection of this fraudulent debt, causing undue XXXX  and further damaging my credit. Additionally, this account and related collection efforts continue to appear on my credit reports with XXXX, XXXX, and XXXX, negatively impacting my credit score and financial well-being. 

I am requesting that the Consumer Financial Protection Bureau intervene in this matter to : 1. Ensure that Portfolio Recovery Associates , LLC ceases all collection activities related to the fraudulent Synchrony XXXX XXXX card account immediately. 


2. Have the erroneous information regarding this account removed from my credit reports with all three credit bureaus.

3. Prevent any future attempts to collect this fraudulent debt, as I am not liable for it.

Please let me know if additional documentation is needed to support my complaint, such as the FTC identity theft report or correspondence regarding the fraudulent account. I look forward to your assistance in resolving this matter and restoring my credit to its accurate and rightful status. 

Thank you for your attention to this urgent issue.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 
XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA, XXXX, XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX, XXXX XXXX, CA, XXXX
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Advanced Resolution Services Inc. (NJ)

To Whom It May Concern : I am writing to give notice of a grave matter of concern regarding the unauthorized and uncompensated use of my source data by Advanced Resolution Services , Inc. It has come to my attention that Advanced Resolution Services , Inc. has utilized my source data without obtaining the expressed written permission, authorization or consent, as required under the Fair Credit Reporting Act ( FCRA ). This unauthorized use constitutes a clear violation of my fundamental rights, protected by law under the FCRA, which mandates that consumer data can not be used without explicit consent from the individual. It is widely known that Advanced Resolution Services , Inc. resells consumer credit information and source data for profit and monetary gain, unbeknownst to the consumer/registered owner, unjustly enriching Advanced Resolution Services , Inc. at the consumer 's expense, which the law may consider trademark infringement and identity theft, and an unfair and deceptive business practice, done in bad faith with malicious intent. Take note, the source data in question holds a minimum value of {$7500.00} USD. I demand that Advanced Resolution Services , Inc. immediately cease and desist from any further use of my source data and remove all instances of this data from your systems within 7-14 business days from the date of this notice. Furthermore, I demand full compensation for the unauthorized use of my source data, amounting to a minimum of {$7500.00} USD. Failure to comply with these demands will result in further legal action to protect all rights and interests. Please confirm in writing that you have received this notice and that you will comply with the demands herein within the specified timeframe.
Consumer complaint received 2024-08-26
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: Barrett Financial Group, L.L.C. (AZ)

My problem began when the loan process started. I am a XXXX XXXX XXXX XXXX for my client and the buyers for my client 's house used this particular lender to obtain a loan. The communication was minimal since XX/XX/XXXX. I reached out asking for an XXXX XX/XX/XXXX and XX/XX/XXXX and XXXX. I was ignored every time. I also was told the lender was getting XXXX XX/XX/XXXX and that the lender could close the loan early. Come XX/XX/XXXX at XXXX ( we were supposed to close XX/XX/XXXX ) the lender informed me he has no way of closing because the closing disclosures were not signed ALL day the day before. He also was unresponsive 11 times via text messages ( our main form of communication ) and XXXX time via email. He said we would be closing XX/XX/XXXX and now we are in the process of not being able to close until XX/XX/XXXX but it's not guaranteed. The lender is not doing what he can to close the loan within the timelines he agreed to.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC (CA)

Name : XXXX XXXX XXXX ID : XXXX Date Of Birth : XX/XX/XXXX ID Type : Driver License ID Number : XXXX Address : XXXX XXXX  XXXX, XXXX, XXXX  XXXX Early Warning Services , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX ( XXXX ) XXXX i reviewed my early warning consumer report and noticed some fraudulent accounts. could you please remove these accounts. I am writing to request an investigation of the following information that appears on my early warning system consumer report. Iam a victim of identity theft. 

XXXX  : XXXX  XXXX XXXX XXXX Date : XX/XX/XXXX Account # : XXXX Routing # : XXXX XXXX  : XXXX  XXXX XXXX XXXX Open Date : XX/XX/XXXX Account # : XXXX Routing # : XXXX XXXX  : XXXX XXXX  XXXX XXXX Open Date : XX/XX/XXXX Account # : XXXX Routing # : XXXX Bank : XXXX XXXX - XXXX  Date Opened : XX/XX/XXXX Account # : XXXX Routing # : XXXX XXXX  Name : XXXX XXXX - XXXX XXXX Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX
Consumer complaint received 2024-08-26
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. (TX)

I C Systems has reported a debt on my XXXX credit report and XXXX XXXX fully investigated the matter and reported that the information is accurate and hasnt asked has the debt collector provided me with wet signature proof that I allowed the original creditor to sell my information to the debt collector or allowed me an opportunity to dispute the debt.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Advanced Resolution Services Inc. (MI)

XX/XX/year> XXXX XXXX, XXXX sent a verifiable request to ADVANCED RESOLUTION SERVICES INC by certified mail for a copy of my FULL FILE DISCLOSURE including a copy of my US PASSPORT and a bank statement for address verification. XX/XX/year> I received a letter stating additional information was required. All information required to request a full file disclosure was submitted with the original request. Please review all attachments as this is a 2nd attempt to request my FULL FILE DISCLOSURE from ADVANCED RESOLUTION SERVICES INC .
Consumer complaint received 2024-08-26
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Marlette Funding, LLC (NY)

I called customer service, because I thought the balance was incorrect. The representative said she couldn't help me because she didn't have that page XXXX!. I then emailed customer service and received an inane reply. All I really expected was an explanation of the balance.
Consumer complaint received 2024-08-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Massachusetts Housing Finance Agency (MassHousing) (MA)

I have requested on XXXX different occasions to Mass Housing to start the process to remove PMI from my loan because my value has increased and I have over 30 % equity on my primary residence. I have called the servicing line and requested a XXXX  be conducted. I am told I will receive a call to collect the fee but I never recieve the call. I recieve a letter shortly after stating I have not paid down my loan below 20 % from the original purchased value. I have seasoned my loan long enough to be able to request an opinion of value to establish enough equity to have pmi removed.
Consumer complaint received 2024-08-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (NJ)

NELNET EXPOSED & SHARED MY NON-PUBLIC PERSONAL INFORMATION WITH XXXX, XXXX, AND XXXX XXXX WITHOUT MY CONSENT AND PERMISSION. 

PLEASE REFER TO MY LETTER OF EXPLAINATION THAT IS UPLOADED, ALONG WITH MY CREDIT REPORT
Consumer complaint received 2024-08-25
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: TrueAccord Corp. (AL)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX  XXXXXXXX XXXX XXXX which falls under XXXX  according to XXXX-Debt 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 am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted company information XXXX. 

Please delete the following accounts : XXXX XXXX XXXX bal. {$2100.00} XXXX XXXX XXXX XXXX XXXX. {$1600.00} True Accord Corporation bal. {$420.00}
Consumer complaint received 2024-10-21
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: MoneyLion Inc. (FL)

There are numerous issues with this company. I signed up for a credit building account, not only have they been continuously charging fees and destroying my credit years after I closed the account, there are nothing but inaccuracies. The account shows {$380.00} charged off which is false, while also showing {$170.00} past due. The phone number they list on file is XXXX which does not go to them, it goes to a XXXXXXXX XXXX XXXX 
I ended up getting the number off their site. 

While writing this I was on the phone with their support, they refused 100 % to give me any documents at all. I asked for statements showing what fees I was charged as well as any document they could send showing my payments. The supervisor says they have absolutely no way to show anything. Refused to even give me a receipt for the {$170.00} I was trying to pay just to get this off my report. This company is nothing but a scam. 

Can't give a receipt. 

Will not provide a statement.