davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-03
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TENET HEALTHCARE CORPORATION (SC)

My name is  XXXX   XXXX . Birthdate   XXXX     I have an account reported on my credit that is false, incorrect, inaccurate and illegally reported. It is reported in violation of the FCRA, FDCPA and FACTA. I called this company and requested the original signed contract for the account they are reporting and the complete payment history from original creditor. Per FCRA  623 t his is the ONLY way they can verify accurate reporting to a CRA and legally report ANY account. I also asked for the letter of assignment and agreement between the original creditor and this collection agency ALSO required by FDCPA for any collection agency to report OR collect on an account. When I asked the lady  that answer3ed the phone to speak with a supervisor she informed me she WOULD NOT LET ME speak to a supervisor and when I gave her my reason she said THAT IS NOT A GOOD ENOUGH REASON. According to collection law in Texas this is VIOLATION and NOT in accordance3  with collection responsibility and laws. The original creditor should have obeyed all credit reporting laws and provided me the letter  ( FACTA )  30 days prior to ever reporting any late or missed payment to any CRA. This should be in the collections possession with ALL  requir3ed  docs to report but CENTRAL FINANCE CONTROL ( ALSO KNOWN AS SYNDICATED Office SYSTEMS ) does NOT have these docs to provide or PROVE right to report and are continuing to knowingly and willfully report ILLEGALLY to the CRA 's. See the attached letter I faxed this  XXXX  olle3ction comp any before and after calling their office in effort to resolve and request all docs to legally report anything on my credit THEY REFUSED TO RESPOND OR COMPLY WITH LAWS TO REPORT!!!!!!
Consumer complaint received 2017-05-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: HEARTLAND PAYMENT SYSTEMS INC (WA)

Today,  XXXX   XXXX   2017 , I made another payment to heartland.ecsi.net which processes/handles loans on the behalf of the University  XXXX    XXXX   ( the lender ). What had n't noticed earlier, was their increasing " service fee '' based on how much you choose to pay back.     My preference is for one-time payments, so I can adjust how much I pay back based on my financial ability. I always give more than the minimum to pay off the loan faster. I purposefully do not set up reoccurring payments for this reason.     On top of my 5 % interest on my loan,  XXXX  charges me a whopping 3.95 % on one-time payments I make plus and additional {$1.00} combines to make the " service fee. '' For example, my {$150.00} payment turned into a {$150.00}.  XXXX  dollar is for who knows what, plus an additional {$5.00} which makes up 3.95 % of {$150.00}. This is ridiculous.  XXXX  is already making 5 % revenue on my loan. I 'm left with no choice, but to do reoccurring payments, or pay 8.95 % interest on the loan ( 5 + 3.95 % ).
Consumer complaint received 2023-09-07
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. (TX)

In accordance with Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have violated my rights! 

15 U.S.C 1681 Section 602 A States I have the right to privacy 15 U.S.C Section 604a A Section 2 It also states a consumer reporting agency can not furnish a account without my written consent These accounts do not belong to me
Consumer complaint received 2017-05-03
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CITIBANK, N.A. (NY)

My husband passed away    XXXX   XXXX  .  After I received letters of testamentary, I presented this document along with death certificate to payoff outstanding loan on the  coop ap artment that was in his name. I paid off the mortgage at the bank branch  Citibank  in  XXXX , New York on   XXXX   XXXX   XXXX   in the amount of {$73000.00}. I was told I would receive coop documents and stock certificate in the mail. I continued to receive mortgage statements from citibank, and when I called Citibank mortgage department at phone number  XXXX  in  XXXX  or  XXXX   ( un sure of date ) I was told that loan was not processed as paid and that they would take care of the situation. I received another mortgage statement in  XXXX , and I called  Citibank mortg age again on   XXXX   XXXX   XXXX     I asked to speak to a supervisor, and she told me that closing date would be    XXXX   XXXX   XXXX    and I would receive stock certifica te 2-3 da ys later via  XXXX . When I called to follow up on  XXXX   XXXX ,  XXXX  I cited the case number and was told no notes were made and no actions had been taken. I again asked to speak with a supervisor who told me that the closing date would now be  XXXX   XXXX ,  XXXX  and it would take 30 days  for county regist er to send the documents. The entire process has been confusing and unclear to me, and Citibank continues to give me a different answer each time I speak with someone.
Consumer complaint received 2023-09-22
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (MO)

My husband and I initially opened a savings account with CITI Bank. However, because we couldn't transfer funds into this account, we contacted the bank to close it. During the call, we interacted with an automated system and provided my Social Security Number ( SSN ).

The automated system mistakenly closed the credit card associated with my SSN rather than my savings account. Consequently, on XX/XX/2023, my credit score plummeted by XXXX points. 

I tried to call CITI bank to correct this mistake. However, they told me that they couldn't reverse the credit score reduction. Their proposed solution was to reopen the credit card, but this would entail a hard inquiry, causing further damage to my credit score.
Consumer complaint received 2017-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

my mortgage servicer  XXXX  paid my home taxes without my knowledge in  XXXX  i do not have escrows and always pay my own home taxes and insurance. several months after the incident i realized my credit posted a negative delinquent status from ditech even thou i had continuously made principal and interest payments as scheduled and never missed a single payment. the negative delinquent status came from ditech automatically enrolling me in forced escrow.  XXXX  took it upon them selves to increase my dues to cover escrow without notifying me. when i realized ditech had paid my taxes on my behalf i immediately reimbursed ditech the full 100 % plus penalty for my taxes and requested to be taken off forced escrow and asked to submit a correction, reversal, or letter of clearance on the negative information on my credit.   XXXX    readjusted my account to show  XXXX  escrow balance but never correct my credit. the next year  XXXX   XXXX  paid my taxes again this time before they were even due, even if i was no longer on " forced escrow ''. again several months go by and i find negative delinquent status for  XXXX  and some for  XXXX  again i immediately reimburse    XXXX   the full 100 % tax paid amount. again i ask to please permanently remove my account from forced escrow so this incident does not continue to happen and to correct all of my credit reports for  XXXX  i have come to a roadblock in trying to come to an agreement with  XXXX . the money i paid during " forced escrow '' time frame seems to have disappeared in my account. i will post P & I monthly bank statements and the tax reimbursement payments from my back account. i need ditech to realize they paid my taxes and i reimbursed them 100 % as asked from  XXXX  ( reflected as  XXXX   )  the money " held in escrow '' should have been reflected as P & I and my credit needs to be corrected.
Consumer complaint received 2017-05-03
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HCFS Healthcare Financial Services of TeamHealth (TX)

The following agency is not bonded in the state of Texas and can not legally collect debt.   Account Resolution Services    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX     XXXX , FL  XXXX
Consumer complaint received 2017-05-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (TX)

Hello, I received a letter in the mail from  Convergent Outsourcing Inc  stating I owed "   XXXX   XXXX   XXXX   XXXX   XXXX   money from a   XXXX   XXXX   account that is not even mine. They stated the amount that I owed was {$1100.00}, however when I called  XXXX   XXXX  on this with the account they stated the amount owed was {$850.00} and it was opened in  XXXX . It was then sold to a debt collector in  XXXX . Which makes this debt illegal to even collect on according to the fair credit reporting act. They are doing illegal practices trying to collect debt that is not even mine and violating the fair credit reporting act by trying to collect old debt.      Regards,   XXXX
Consumer complaint received 2015-08-17
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: NATIONSTAR MORTGAGE LLC (CA)

XXXX XXXX, XXXX, XXXX XXXX, Ca XXXX Loan # XXXX NationStarMy name is XXXX XXXX, I have a XXXX loan which was modified in XX/XX/XXXX to 2 % step up. At the time of the loan Mod, the details were unclear and told to accept as my prior loan was at 6.875 % interest only. I have paid my loan on time and NationStar Mortgage now holds the loan. I work as a volunteer with a HUD approved Housing Counseling organization XXXX and our group have helped over XXXX homeowners keep their homes. I was written up in the Ca. Law review for exposing lenders bad practices. I am writing about the Pay for Success incentive offered by XXXX XXXXwhich states that payments made on time for 1st 5 years get {$5000.00} applied to principal reduction and 6th year another {$5000.00}. applied to principal reduction. I called Fannie Mae XX/XX/XXXX and they verified that I was eligible as a XXXX loan and advised that I should have been given the first {$5000.00}. XX/XX/XXXX. I called NationStar Mortgage and tried XXXX times to make contact. When I was able to speak to someone, it was rude and told that they would foreclose if I could n't make payment. That was not my question. It was about the Pay for Success Incentive. I also wanted to see if I could set my interest rate. I had received notices from NationStar that my loan was fixed for XXXX months.The last conversation was that they apologized for not putting the incentives on paperwork when they purchased the loan. Then I received a call that I was not eligible, then I was. 
I am entitled to this incentive and request your help in obtaining this incentive. 
Thank you, XXXX XXXX
Consumer complaint received 2017-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

To whom it  may c oncern, I faxed over a multiple inquiries letter  XXXX   XXXX ,    2017  and  XXXX   XXXX ,  2017 in   order to dispute information, in regards to over  XXXX  hard inquiries that was placed on my credit report. They received the letter the same day since it was faxed. They completed the request  XXXX   XXXX ,    2017.  The request I submitted was over  XXXX  hard inquiries that were not factual and I received the same response, " according to the FCRA rules, fcra  623 ( b ) ( 2 ) and 611 ( a ) ( 1  ), it states that any information can be disputed and MUST be investigated and if you do n't investigate and respond, the CRA must delete the disputed information from the files. The face that I received a response in 4 days after I faxed over my letter, one can assume that there was no investigation. I am submitting this complaint due to lack of investigation into my original dispute for hard inquiries being removed that does n't belong to me. I did not sign for anything! This is unfair practices by a credit reporting agency with no concerns for the credit worthiness of a consumer.
Consumer complaint received 2017-05-03
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (TX)

I have an Amazon card issued through sycnchrony bank with a {$1000.00} credit line. On  XXXX / XXXX /  XXXX   I made a purchase for {$370.00} and then attempted a purchase for {$290.00} on or about  XXXX / XXXX /  XXXX  . On  XXXX / XXXX /  XXXX   I received an email indicating this charge was declined, even though obviously within the credit limit. I called the number on the card, which is  amazon  customer service who said it was denied because it exceeded the remaining credit amount left. They said there was the purchase, but also a " pending transaction '' for over {$300.00}. I immediately freaked, thinking a victim of CC abuse. After speaking to  three  reps, they could not give me any more information and transferred me to synchrony bank. They said the same thing, could accurately identify the purchase made, but not the pending transaction. I honestly am being treated for   XXXX   and  XXXX  and this has me through the roof. I immediately canceled the card and told them I would make no payments now until I received an adequate response. Probably sue for   XXXX   XXXX
Consumer complaint received 2017-05-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Protas, Spivok & Collins. LLC (MD)

I received a Writ of Garnishment of Wages from my employer regarding a cell phone bill that is more than  7 years old.  I was incarcerated when the debt went into default. I have not been notified of the debt from  XXXX   XXXX  or  XXXX ,  XXXX   XXXX   Protas, Spivok &amp; Collins, located in  XXXX  MD, until this time. The {$710.00} debt  has accrued other interest and fees over the years, totaling over {$1500.00}.
Consumer complaint received 2017-05-03
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (FL)

I had impeccable payment history for the fir st 2 years of the Lease.   I bought a home and moved  and Ally Financial stopped se nding me my statements. This of course hurt my payment history as I never knew when payments were due. This only happened during the last year, when I was at a new address.
Consumer complaint received 2017-05-03
Product: Credit reporting, credit repair services, 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: EQUIFAX, INC. (FL)

I signed up with Equifax and    XXXX    to get my credit reports and scores, after adding a fraud alert on my reports with all  XXXX  bureaus. I paid {$1.00}, which was all they showed it cost. After about 2 months, I was notified that I needed to pay {$29.00} to keep receiving my reports and scores. I declined and they have not updated my scores since   X/XX/XXXX    . I know that because I have a fraud alert on my reports, I am entitled to receive my information free of charge every 30 days. When I call to request it, I get a couple of sheets, but not the full credit report. This has been going on for about  X  months.
Consumer complaint received 2017-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I had submitted complaint ID  XXXX  and this has since been closed. However, the matter has not been resolved. I sent the attached letter to  XXXX  on  XXXX   XXXX     2017  and have not yet received a response. I have also not received the {$100.00} in return that I overpaid on my account.
Consumer complaint received 2017-05-03
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: UMB FINANCIAL CORPORATION (NY)

My HSA account with UMB Bank was closed at my request as a HSA Direct Transfer Request on  XXXX   XXXX ,  2017 . {$22000.00}  (  along with an account closing fee of {$15.00}  )  was debited from my HSA account on  XXXX   XXXX ,    2017 to close the account.     As of today,  XXXX   XXXX ,  2017 , this check with {$22000.00} has not been received from  UMB  Bank by my new  XXXX  provider,  XXXX   XXXX   XXXX .     I called  UMB   XXXX   XXXX  today  (   XXXX   XXXX ,  2017  ) for a status on this check. I was informed by the service representative that this check was mailed out on  XXXX   XXXX ,  2017 .     How come it took UMB Bank 8 days to mail a check for funds which was debited from my  HSA  account on  XXXX   XXXX ,  2017 ?
Consumer complaint received 2017-05-03
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (NJ)

I have a payment agreement with Care Credit/Synchrony Bank since   XXXX   XXXX   XXXX   - payments are automatically drawn by creditor from my bank account on the first of the month. The following  have been paid, but are not showing on my credit report and they are reporting me 30 days late in  XXXX  (  which I was for   XXXX   ) and 60 days late in   XXXX   XXXX   and   XXXX   :   XXXX   XXXX   XXXX   {$46.00}   XXXX   XXXX   XXXX     {$18.00}   XXXX   XXXX   XXXX   {$37.00}   XXXX   XXXX   XXXX   {$37.00}   XXXX   XXXX   XXXX   {$35.00}   XXXX   XXXX   XXXX   {$40.00} ( per payment agreement )   XXXX   XXXX   XXXX   {$75.00} ( per payment agreement )   XXXX   XXXX   XXXX   {$77.00} ( per payment agreement ) I tried to contact the creditor by phone to discuss but the all phone # 's lead me to a 3rd party collector "   XXXX   '' who does n't have my account and have been told this multiple times today. Each time I was given either a new number to call or one  I already did and every one reverts right back to  XXXX . Beginning    XXXX   XXXX   XXXX    at   XXXX   XXXX  , I have called   XXXX   ( back of card ), given  XXXX , given  XXXX  again, spoke with  XXXX  (? ), given  XXXX , reverted to  XXXX  spoke with *uninteligible*   XXXX   and request to speak with manager - spoke with manager "  XXXX  '', given   XXXX  , called and was hung up on ( male rep ), called  XXXX  ( again ) spoke with  XXXX , given  XXXX , answered by   XXXX   rep again ( one I already spoke with ). Called   XXXX   ( from Care Credit website " contact us '' ), got   XXXX   once again and so requested to speak with manager - got  XXXX  again.  XXXX  told me " there 's a problem with the system ''. This final call was at   XXXX   XXXX  .
This is completely unacceptable! I 'm trying to reach the company to discuss my account and am unable to and have been given incorrect inform  ation each time.
Consumer complaint received 2017-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (SC)

I submitted a dispute to have a  Public Record  removed from my     XXXX   and Equifax credit report because the Tax Lien was satisfied but they did not remove the record, it still shows on my credit report. This tax lien has been satisfied , but it is being reported as a derogatory/negative remark on my credit report. This should not be listed on my Credit Report and I would like to have it removed, as it is hurting my credit score and causing me to be denied for things that I need. I have attached a copy of the tax lien satisfaction.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This Response is a formal complaint that you are reporting completely inaccurate and misleading information on my credit report. This inaccurate information is not only stopping me from obtaining credit, it is damaging my financial well-being and seriously hurting my character.

By provisions of 15 US section 1681i of the Fair Credit Reporting Act, these items need to be investigated. Please provide me with proof of these items, specifically the contract bearing my signature. Failing that, please REMOVE this item from my credit report as soon as possible. This is a very serious matter affecting my everyday life. 

The outlined item is completely inaccurate and a very serious error in reporting. Please update this information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account is listed as a collection/charged off account on my credit report but I have never received a 1099C for this charged off debt. Can you please provide me with a 1099C to accurately reflect this as a charge off for tax purposes or delete immediately.

Pursuant to 15 US section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please provide me with the description of the procedure used to determine the accuracy and completeness of the information, to be provided within 15 days of the completion of your investigation.

I appreciate your prompt attention to this matter as these may seem like small reporting errors to you but they are serious offenses on my report when it is time to purchase a home for my family, a vehicle, look for a business loan or even to obtain employment. Please consider expediting this process for me. Thank you.