davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-05
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

I disagree with the accounts listed below which still appear on my credit report, even after your investigation. I would like the below items reinvestigated and removed for inaccuracies. The accounts are severely affecting my credit score ( PORTFOLIO RECOVERY ). Please provide the names and business addresses of each company with whom you verified information so I may follow up. Please send me an updated copy of my credit report after your reinvestigation. This information being reported is inaccurate and should be removed.
Consumer complaint received 2024-09-05
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (CA)

I opened an account with Marcus Bank, so far so good. I made deposits from XXXX XXXX XXXX XXXXXXXX account to Marcus as normal, I made XXXX deposits and it worked as normal. When I needed to withdraw some of MY MONEY, I discovered that my account was flagged. I have called Marcus Bank countless times and can't get a resolution. I need my money and it's stuck at Marcus and I can't do anything with my OWN money. It was easy to get my money, but now I can't get it back. I would like a solution.
Consumer complaint received 2024-09-05
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (MI)

This is an inaccurate debt by the original creditor and has not been removed from national credit systems or my transunion or experian credit report. Whomever need to remove the inaccurate information because I have provided an amount for balance owed. So if the debt is incorrect it need to be removed
Consumer complaint received 2024-07-23
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. (CA)

XXXX XXXX is trying to further delay providing me any remedy for the letters I have been sending to get them to verify and validate an alleged debt legally. Now to add insult to injury they are stating that there is a third party involved with no evidence to support their claim and closed my CFPB complaint. How do they have authorization without verifying that claim? For the record ... .no third party is assisting me as I have to affirm when I'm filling out the form here on the website. Submitting this to affirm that they have received all my verifying documents- notarized and under penalty of perjury.
Consumer complaint received 2024-07-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (NY)

Please check the that my pay check is added at the beginning and end that would change all ending balances. Wells Fargo gave me an XXXX XXXX XXXX XXXX XXXX XXXX. It is not XXXX years and I could not get the only statement. Also Wells Fargo reported some transactions twice to the Credit bureau and my score was lowered. I was force to spend XXXX to get XXXX dollars rewards. I did XXXX or XXXX balances transfers which I looked for the statement today XX/XX/XXXX and it only shows XXXX transactions. Has not been XXXX years yet. Its been to much writing them and taking with the representatives over the phones
Consumer complaint received 2024-09-05
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: CITIBANK, N.A. (MS)

Citibank sent out a pre-screen offer to my address for a personal loan for up to {$30000.00}. 

I filled out the application on-line and was immediately denied on-line. I was never given an opportunity to speak to someone to go over the application itself. They sent an email denial letter stating the only reason the loan was denied was for " excessive inquiries ''. I use XXXX and know for a fact I don't have " excessive inquires ''. I have excellent credit, excellent XXXX, etc. Once the letter was received there is zero contact information to discuss the credit application. It appears the loan application is solely credit report driven with an algorithm that could potentially be incorrect or cause a loan application to be denied.

Having said this, I have reached to the consumer loan department which is all voice enabled. I was never able to speak to a loan representative regarding my denied application. I spoke with general customer service and they referred me back to the same loan servicing number that has no option to speak to a human being. They have created a wall or one-sided communication that is extremely harmful to the consumer. Especially as they used a pre-screen offer to solicit business from me by running soft credit pulls.

The practice of soliciting loan application through the mail, evaluating them based off credit bureau algorithm, and given no Live representative to walk through a denial is extremely harmful to consumer. This needs to be looked at .... I know 100 % I have excellent credit. This practice appears to be very selective to certain consumers and might actually be harmful to other consumers and creating barriers to entry to others. Almost seems like a type reverse Redlining.

I no longer want to do business with CitiBank. However if I can prevent this from happening to someone else, this formal complaint needs to be issued.
Consumer complaint received 2024-09-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC (OR)

Right now, I can not apply any additional payment because they charged a fee I can not look at or pay online. It just says you can't add additional payments at this time. They are making me pay more interest because they never notified me of this charge. This is the second time it happened, and I don't think legally they can do this. It was last year, about this time, the first time it happened. I sent emails to ask why we couldn't add additional payments, and they couldn't tell me why. I had to call a collection department to get it paid, and then I could start adding additional payments. It also shows up as a late payment on my credit report. That is how we found out about it the first time. 

It's happening right now. We usually add XXXX dollars a month to our principal. However, because of this fee, I can not see or pay online, and it is stopping me from making additional payments to the principal. 

Here is their website. 
XXXX XXXX XXXXnewrez.com/
Consumer complaint received 2024-09-05
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Incomm Holdings Inc. (MD)

On XX/XX/2024, 2 services were charged to my Visa prepaid debit card. A charge from XXXX and a charge from XXXXXXXX XXXX XXXXXXXX store # XXXX. On XX/XX/XXXX I deposited {$460.00} to my debit card. After only using it once at a local restaurant ( XXXX XXXX XXXXXXXX ) at XXXX I received a text message that stated {$420.00} dollars was transformed from my debit card to ANOTHER Visa debit card ending in XXXX. When I called Visa to notify them about this, they claimed it was an authorized transaction but when I told them I had not authorized this transfer AND my card 's pin number had been changed not of my doing, I was told it would take 45 to 90 days for them to investigate the dispute. In the meantime, I am waiting for them to send documents that I need to fill out and email back to them within 10 business days. It's XX/XX/XXXX and considering I reported this in the evening hours, I have not received those documents yet. I have to get a new debit card as well as they've frozen the one I have and there's no guarantee I'll get my money back. They claimed to not know what location these transactions occurred, who did it and they only had an email that was not mine associated with the situation. Whoever took all my money off my card, also charged it to another XXXXXXXX XXXX XXXX ( store # XXXX ) before doing the {$420.00} transfer. Aside from the restaurant being the only place I used my card after depositing money onto it, during the XXXX transactions the only time I used my card was on XXXX to order clothes. On the same day XXXX shipped my order, the XXXX transactions started to happen and I was not informed or notified about it. I am XXXX XXXX XXXX, receiving government assistance ( that's my income ), taking care of my XXXX XXXX XXXX mother who is going through XXXX treatment and we are in the process of moving. Because this act was committed against me, I now have to cancel any refills of my own medication because my money has been stolen. As I told the Visa customer service, I needed that money. More than that, I want to know who is behind this and how.
Consumer complaint received 2024-06-04
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. (PA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-09-05
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA (CA)

Goldman Sachs USA is not restoring available credit after payment in a reasonable period of time. I make payments and they credit to the account when made, but do not become available credit until 9 or 10 days later. This is longer than reasonable. Goldman Sachs ' terms and conditions abuse consumers by not specifying a maximum window to wait for available credit.
Consumer complaint received 2024-09-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (OH)

I was never mailed a bill from the original creditor. I only found out from looking at my credit report. This has affected my ability to acquire a loan as no notice was ever sent by the original creditor nor the debt collector, Transworld System Inc. 
I requested a debt validation since XX/XX/year> by certified mail and only now got a response via mail XX/XX/year> with only a bill of statement that shows my name and incomplete address with no further proof that the bill of {$1100.00} belongs to me. From the bill attached below sent by the 3rd party collector, the address doesnt have XXXX XXXX.
Consumer complaint received 2024-09-05
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: T.S. Holdings (TX)

XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX IQ Data International XXXX XXXX XXXX XXXX, WA XXXX RE : Account Number : XXXX Dear Sir/Madam, I am writing this letter to exercise my rights as a consumer under the relevant laws, including the Fair Debt Collection Practices Act ( 15 USC 1692XXXX ) and XXXX XXXX XXXX laws, to dispute the alleged debt that you claim I owe. I kindly request that you provide me with verification of this purported debt. In accordance with the laws, I expect you to furnish proof that this debt is indeed mine. To satisfy the verification requirements, I demand a formal declaration, duly notarized, from an individual with first-hand knowledge of the matter, attesting to the accuracy of the statements and facts associated with this debt. 
Since this debt is under dispute, I must remind you of your obligation to cease all collection activities, including any reporting to XXXX, XXXX, and XXXX regarding this matter. 
I hereby explicitly withdraw my consent for any form of communication from your agency. Additionally, I never authorized the release of my personal and private information to your organization, which raises concerns about aggravated identity theft. Moreover, I never consented to the reporting of any information in my name to consumer reporting agencies. 
Your non-compliance with the Privacy of Consumer Financial Information Rule of the XXXX XXXX XXXX XXXX, by sharing my nonpublic personal information with nonaffiliated third parties without providing me with a compliant notice and opt-out opportunity pursuant to 15 USC 6802, further compounds the issues surrounding this matter.

I am requesting the " Aggravated Value of Purchase '' document, which must disclose the amount you paid for this debt. It is crucial to note that any attempt to collect an amount exceeding what you paid for this debt would be considered a material misrepresentation, fraud on the court, and a deceptive act. Please be aware of the gravity of these violations, as they constitute a severe infringement of my rights as a consumer. If you do not immediately cease all collection activities and promptly remove this account from my consumer report, I will have no choice but to initiate legal action against your company in the United States XXXX XXXX. 
Please be advised that you have 30 days to respond to this dispute. Failure to do so will compel me to escalate this matter and take appropriate legal action. Furthermore, I reserve the right to file complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) should you fail to comply with my request. 
I expect your prompt attention to this matter, and I request that all future correspondence be in writing to ensure accurate documentation XXXX XXXX XX/XX/year>
Consumer complaint received 2024-09-05
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Garrison Investment Group (MD)

In XXXX, the statute of limitations starts from the date of the last payment or the date of the last charge to the account. After this period, a creditor can no longer sue to collect the debt. 
- Last payment on the debt they are claiming was XXXXXXXX XXXX 3 years from this date is XX/XX/XXXX which means the debt collection period has expired. 
- I do not have a verification of debt or signed any contracts or agreements with this company - The company filed a suit and are garnishing my wages without notification to me or without properly serving me - On XXXX  the company started garnishing wages which is after the statue of limitations have passed to collect and this is causing me significant harm.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I found out the creditor didn't give the required XXXX notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.
Consumer complaint received 2024-06-13
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 ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) was never late! I have had exceptional payment history witH XXXX  XXXX 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. 


( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) 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 2016-08-08
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: DISCOVER BANK (MD)

I have been faithfully paying my Discover Loan since inception and had no issues until XXXX 2016 when Discover changed their payment system and locked me out of making a phone payment for about 10 days. That payment was made through their live customer service center. Every month I make my payment as usual ( {$500.00} on a {$470.00} payment ). I get harassing phone calls each month saying I did n't pay my bill, when I had proof from my bank that Discover did indeed withdraw {$500.00} each of these months through XXXX 2016. Now for some unknown reason, my balance has risen and Discover is not reporting my payment history properly, causing my XXXX Score to drop recently. I am assured each time they call that my account is being taken care of and that the matter will be resolved. It never is and I get another phone call. I pay in good faith and expect my payments to be credited properly. I have never had an issue with a lender in the past and am disappointed that I need to write this letter.
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.
Consumer complaint received 2019-06-28
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PMAB,LLC (NC)

I recieved a collections notice around XX/XX/XXXX in the amount of {$1200.00} from services recieved on XX/XX/XXXX from XXXX XXXX XXXX XXXX XXXX. It stated on the notice that I was eligible to apply for charity care since my insurance didn't cover everything, so I filled out the application and faxed it over on XX/XX/XXXX. ( I wasn't even aware there was assistance programs like this ). I never recieved any acknowledgement that it was approved or recieved, but I did get hit with another larger collection from a company called PMAB. I recieved itemized bills from another visit on XX/XX/XXXX in the amounts of {$1700.00}, {$29.00}, {$56.00} and an additional itemized bill from XX/XX/XXXX of {$80.00} that does not belong to me. All of the bills that were sent to PMAB generated on XX/XX/XXXX, not long after I applied for charity care. These itemized bills also included HIPAA protected information, including procedures I recieved and medication I recieved.
Consumer complaint received 2024-09-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (CA)

I am expressing my concerns about the unprofessional and potentially unethical practices I have encountered since Mr. Cooper and XXXX acquired my mortgage loan. It has become evident that this company have consistently sought to increase my monthly payments through questionable means. I am particularly troubled by the following issues : Unwarranted Escrow Charges : Despite providing proof of full insurance coverage, Mr. Cooper and XXXX have charged me an additional {$180.00} in escrow. This charge appears unjustified, given that my insurance coverage meets all required standards. The continued imposition of this fee suggests either an error or an attempt to exploit my situation for additional revenue. 

Excessive Interest Rate Adjustments : My mortgage agreement purportedly includes an adjustable interest rate, which has been raised to the maximum allowable rate of XXXX percent. This adjustment results in a monthly payment of {$1800.00} on a {$200000.00} mortgage. While interest rates are known to fluctuate, it is concerning that the rate was increased to its peak during a period of rising rates without a corresponding decrease when rates dropped. This practice seems designed to maximize profits at the expense of my financial stability, particularly when market rates decline but my rate remains excessively high. 

These practices not only impose a significant financial burden on me but also raise questions about the ethics and legality of the actions taken by Mr. Cooper and XXXX. I urge you to investigate these concerns thoroughly and take appropriate measures to rectify these issues.
Consumer complaint received 2024-06-13
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. (FL)

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.

INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

The info in my credit reports is wrong, making it hard for me to get new credit. When I apply for credit, the errors confuse lenders and paint the wrong picture of my creditworthiness. 

These mistakes seriously harm my financial reputation. So, I formally ask for them to be corrected and removed from my reports. It's crucial that my credit file shows my real financial status for fair assessments by lenders.