davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-18
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (OK)

On XX/XX/XXXX, I made a payment to Comenity Bank - XXXX Rewards Credit Card ( " Comenity '' ) using online bill pay from my personal checking account with XXXX XXXX XXXX XXXX ( " XXXX '' ). After receiving a late notice on XX/XX/XXXX, I immediately called Comenity Bank and was told to give additional time for the payment to be processed. I followed up on XX/XX/XXXX and a Comenity representative stated the check had not been received and that any payment made would be considered late, as a new billing cycle had already begun. The representative said if I paid now, I could request that my bank issue a stop payment on the check that was lost. I immediately paid the account in full on the phone with the representative who withdrew the late fees and interest charge. I also closed the account, as it was apparent I needed to mitigate my risks with this creditor who lost my payment. On XX/XX/XXXX, I received a statement in the amount of {$31.00} for a " returned check charge. '' Comenity found the check they lost and attempted to cash it. However, since a stop-pay was issued by XXXX, Comenity was unable to cash the check and charged me on XX/XX/XXXX, which is seven ( 7 ) days after I paid the account in full and closed the account- only because they lost my payment. I contacted Comenity on XX/XX/XXXX and spoke with two representatives, including a supervisor, and Comenity said they are pursuing the charge and will not credit the account. On XX/XX/XXXX, I was not told by the Comenity representative that if they found the check, they would charge me a returned check fee. Comenity 's attempt to collect a returned check fee from me is fraudulent and I should not be charged for this whatsoever.
Consumer complaint received 2023-10-18
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: HYUNDAI CAPITAL AMERICA (NC)

In XX/XX/XXXX XXXX  my husband and I moved to XXXX from XXXX I registered my XXXX XXXX ( leased from Kia Finance America ( KFA ) ) and paid all taxes and fees including the {$250.00} Highway Use Tax. 

In XX/XX/ KFA began charging me {$28.00} per month to reimburse them for XXXX Sales Tax. I have called multiple times and written numerous letters explaining that XXXX  Sales Tax is called a Highway Use Tax ( HUT ) and is limited to {$250.00} for vehicles being relocated to XXXX  from another state ( see attached document from the XXXX DMV website ). This has been verified through conversations and emails with XXXX DMV ( attached ). 

To date they have insisted that I owe them the tax but XXXX DOT has no evidence of any tax being paid to them on my car nor do they show any tax owed. In fact, they have confirmed that no taxes are owed until I renew the registration next month. 

I feel like Kia is collecting this 'tax ' to keep for their own profit and assume since they call it a tax people will not question it.
Consumer complaint received 2023-10-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AZ)

On XX/XX/XXXX I my XXXX XXXX account distributed XXXX to go to USAA which I have been doing weekly. Well USAA did not credit my account, when I contacted USAA she said they didn't receive it. I gave them a trace number XXXX USAA said they would put in a dispute on this but never contacted me back. I call usaa XXXX more times during the week with no answer, resolution. Then on XX/XX/XXXX USAA pulled XXXX from my account because XXXX XXXX questioned them about it. I called USAA again and was told because XXXX XXXX questioned them so they pulled XXXX to cover the XXXX of XXXX payment and this was not for the XXXX of XXXX it was for payment XXXX sent USAA on XX/XX/XXXX.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2023-11-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (MO)

I applied for the income-driven repayment SAVE repayment plan through the studentaid.gov website on XX/XX/XXXX, the same day I applied for PSLF with my employer information. When I applied, it was estimated I would owe XXXX XXXXXXXX on the SAVE plan due to my previous tax information. At the time, my loan servicer was XXXX, who I have never had issues with. I then received notification my loans were being transferred to MOHELA. I began receiving different billing statements from MOHELA, one stating I owed {$350.00} on XX/XX/XXXX, and another stating I owed upwards of {$850.00} in XXXX of XXXX. I reapplied for SAVE on XX/XX/XXXX and XX/XX/XXXX after contacting studentaid.gov and being told they did not have any information and I would need to reach out to MOHELA. I was unable to contact MOHELA. I waited on hold for hours before having to hang up due to working. I sent an email and received notification back that I would hear back in two business days, but weeks later I still have not received a response. Finally, I called and waited on hold for upwards of two hours on XX/XX/XXXX and spoke to a MOHELA rep who told me my initial SAVE application from XXXX was probably " lost in the transfer '' and that it was good I resubmitted a SAVE application on XX/XX/XXXX. This rep told me it would only take 5-7 business days to process my SAVE application and I would not have to pay any of the payments I was billed for in XXXX. After XXXX business days went by with no notifications, I called and sat on hold with MOHELA for three hours to be told that it would actually take 90 days to process my SAVE application and I was already being auto-debited in the mean time for the {$350.00} bill. I asked if there was any way this could be cancelled due to this being an error on the part of MOHELA, and I was told that they didn't know. As a XXXX XXXX new out of XXXX school, this payment is not realistic for me. I feel as though MOHELA can not give me clear answers as to what happened to my original SAVE application and I am told conflicting information each time I call. Their mistakes are costing me money I do not have and I need clarification on where my loans are at.
Consumer complaint received 2024-10-01
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (TX)

ACCOUNT No # XXXX Dear I C SYSTEM INC, I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 
2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Consumer complaint received 2024-10-01
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (TX)

ACCOUNT No XXXX XXXXXXXX Dear I C SYSTEM INC, I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt.

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

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

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

Thank you for your prompt attention to this matter.
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am urging you to take immediate action to remove the fraudulent accounts on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.
Consumer complaint received 2024-10-25
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I recieved a card in the mail as payment for services rendered. A prepaid Visa card. The expiration date was approximately one year after issued.expiring XX/XX/year>. I never used the card. I asked for a replacement. They told me it was expired and the {$150.00} dollars on the card disappears. They told me it was a loyalty rewards card not subject to the consumer and federal protections afforded to visa prepaid cards or gift card. I had this card for close to XXXX years and was told I will not be able to recieve my money on another card or be issued a check. Nothing in the paperwork states its a loyalty or rewards card. I did not sign up for a loyalty or rewards card. They intentionally kept me on hold for hours waiting for a manager. Supervisor XXXX was not trying to escalate the matter and clear the issue
Consumer complaint received 2024-10-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: SELECT PORTFOLIO SERVICING, INC. (CT)

I have been dealing with this issue since my Fathers passing in 2021. 

XXXX Homes were left to me, at the time of his passing the homes were in the Hero 's act forbearance which required a loan modification when it was complete to reinstate the mortgage and make regular payments. 

Since then the bank and their hired counsel have given mixed info and several times during the proceedings even breaking CFPB federal guidelines ( including right now which is what prompted me to file this complaint ) Currently I have a loss mitigation complete packet in underwriting which suspends the foreclosure proceedings, however the banks counsel continues to push for a motion for strict foreclosure. 

" Restricted Dual-Tracking : Under the CFPBs new rules, dual-tracking when the servicer moves forward with foreclosure while simultaneously working with the borrower to avoid foreclosure is restricted. " My first question would be to ask how is this enforced? I ask because it seems to be happening as if this law does not exist. 

To muddy the waters even further the bank and I was even able to speak to the underwriter said the foreclosure status is suspended and this should NOT be before a judge, however it is.
Consumer complaint received 2023-10-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX is not allowing me a fair opportunity to manage this account as a co-borrower. I have requested monthly statements, payoff statement, to make me the primary borrower & to have any & all information in regard to this account to be mailed to my address NOT the property address. Im being denied a fair opportunity to protect my personal credit. Every dispute response is verified as accurate but historical information is changed to reflect different information that was previously verified as accurate. I have fought clarification for the past 11 months. I depend on dispute information & credit reports to try to manage this account. I didnt even have an account number or transfer information until XX/XX/2023 through XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX seems to have consistent poor customer service based on reading reviews. Very similar to my own situation. They make no attempt to resolve the situation when I have tried everything I could to protect my credit. I have no control of any future delinquencies because I only find out the status AFTER its reported & ONLY on my own via credit reports & disputes.
Consumer complaint received 2023-10-18
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A. (FL)

On XX/XX/2023 I received in the mail a letter from XXXX XXXX XXXX XXXX XXXX ( XXXX ) stating that I owed {$9200.00} to them. I responded with a a letter to XXXX on XX/XX/2023 sent with certified mail inquiring as to why they think I owed the debt. I requested XXXX provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the initial creditor, the chain-of-custody of the debt ( i.e. proof of XXXX 's ownership of the debt ), and details about XXXX authority to collect the debt on behalf of the original creditor in my state ( Florida ). XXXX mailed me back a document on XX/XX/2023 with information pertaining to the alleged debt to the original creditor ( the original credit card agreement and a recent credit card statement ). However, the letter did not provide information regarding the chain-of-custody of the debt ( i.e. proof of XXXX purchase of the debt from the original creditor ) nor verification of XXXX authority to collect the debt on behalf of the original creditor in the XXXX of Florida.
Consumer complaint received 2023-10-18
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: TRANSWORLD SYSTEMS INC (WI)

Every month I have my loan payments and make them on time. I have already resolved one delinquency because of UAS XXXX. I am on automatic eft for my payments and every month it says I haven't payed one of my loans even though I have payed them on time. Then they try to charge me for two payments the next month. I have emailed them every single month to fix this and they haven't for almost a year. I am also being charged late fees with this transactions.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. 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 in MONTHS REPORTING LATE to be removed 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.

This company never sent the periodic statement along with the disclosures from section 1637 ( b ).

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! 

Delete the late payments from my consumer reports.
Consumer complaint received 2023-11-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

. I sent a letter out on XX/XX/XXXX to Experian, XXXX, and XXXX. However the credit bureaus said the completed the investigation and everything was 100 % accurate. According to the law 15 U.S. Code 1681a - Definitions ; rules of construction. The term " investigative consumer report means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. I would like to know who did they talk to. How did they complete this investigation?
Consumer complaint received 2024-10-04
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)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-04
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)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX INQUIRIES : XXXX XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX XXXX  XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX :