davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: FIFTH THIRD FINANCIAL CORPORATION (SC)

My attorney has been trying to speak with someone regarding a short sale of the property. I have already communicated in writing that I do not want to keep the house and I am trying my best to not go through a foreclosure. They will not answer the phone ( she just gets a recording stating high call volume ). This has become very frustrating for me and my attorney as we have potential buyers for the property.
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

Several Credit card accounts was opened up using my name and credit information without my knowledge, as well as two loan accounts. Every credit card opened in question is fraudulent and was not opened up by me personally. I reported this issue to my local police department and filed a report which I sent to Experian, XXXX, and XXXX. To date nothing at all has been done to correct and remove these fraudulently opened accounts to restore my good credit status.
Consumer complaint received 2024-06-19
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Southern Auto Finance Co (FL)

XX/XX/XXXX Southern Auto Finance Company, XXXX Southern Auto Finance Company, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX It's on my credit report as high impact. When i called the company they said they don't have my name on their records, that is XXXX mistake. But when i called XXXX they said that is what has been reported to them. That i need to report to the FTC.gov for identity fraud and send them a copy and a letter in order for them to remove it on my credit report. I got my SSN # in XX/XX/XXXX, i don't know how someone could get a loan on my name.
Consumer complaint received 2024-06-19
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (MI)

XX/XX/XXXX received collection notice in usps mail XX/XX/XXXX called and attempted to reach a settlement, a generated amount was verbally agreed upon, however refused to put in writing as if to allow them to change this amount at a later date. I have a full audio recording and cdrs from the phone call to their line XXXX
Consumer complaint received 2024-06-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (TN)

After noticing a few items on credit profile i notice accounts that i didnt sign up for and is unaware of. i reached out to the credit bureaus and the companies to get valid verification and validation of these accounts. LVNV FUNDING LLC OR THE CREDIT BUREAU SENT BACK THE REQUESTED DOCUMENTS. I have tried to get them to correct my consumer report but they fail to comply by the laws. I have not given anyone permission to use my credit or to report anything on my behalf. I asked for documents showing i gave written consent to use or report to my consumer file. I also sent in my identity thieft report. This is my final attempt to correct my file before I seek legel action. THEY ARE IN VIOLATION OF MY CONSUMER RIGHTS, AND THE REPORTING ACT LAWS
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation.

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent.

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file.

"
Consumer complaint received 2024-08-12
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL (VA)

On XX/XX/year> I purchased tires at Discount Tire. I was told to receive the rebate for my set that I would have to create a profile on Discount Tire and purchase them that way. The tire employee asked if he could see my phone during the process so that he could get the confirmation number. A dialog box asking about applying for a Discount Tire card, with my information, name, address, and phone number came up. I did not want to apply for a card so I closed out of the dialog box. The tire employee finished getting the confirmation number on my phone and handed phone back to me. I was shocked to receive a letter about being denied for a line of credit when I never applied. I want to lodge a complaint against Synchrony Bank.
Consumer complaint received 2023-08-27
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. (VA)

In accordance with the Fair Credit Reporting Act ( FCRA ), the list of accounts below/attached has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 15 U.S.C. 1681 section 602 A States I have the right to privacy. 15 U.S.C. 1681 A. section 604 A States a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681c. ( a ) ( 5 ) States : no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-19
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: EdAid Limited (IL)

The lender worked with me and the payments have been {$50.00}, however the past 2 months the lender is refusing to keep my payments lower, even though the circumstances have not changed. 

I am long-term unemployed due to XXXX. I do not have the funding to make higher payments than {$50.00} a month at this time. The lender is also asking me for banking information every other month and not keeping the payments at {$50.00}. 

I have received backlash from XXXX XXXX XXXX, who has made inappropriate comments that I have never made the full payment amount, when in fact from about a year I was making the full payment amount until I could no longer afford the payment. 

The company is a non-profit and should work with the students long-term who are having XXXX related circumstances. 

I also do not wish to have my bank account attached to the billing account because I will get overdraft fees.
Consumer complaint received 2023-08-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA (CA)

I am an XXXX XXXX military who applied for a limited PSLF waiver in XXXX of XXXX. Mohela received my application and claimed there was a duplicate form on XX/XX/XXXX. They said it will be another 90 days to process. On XX/XX/XXXX, it was again " Canceled '' for no apparent reasons. I called Mohela multiple times including VIP Military Line and they weren't sure why my application was kept cancelling and assured me that it will be process in next 15-20 business days. This was on XX/XX/XXXX It is now XX/XX/XXXX, I am extremely disappointed by the lack of transparency from Mohela. They still have not resolved my issue nor transfer my loan from XXXX to start PSLF count.
Consumer complaint received 2024-06-26
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)

I have always maintained an impeccable payment record with the XXXX XXXX, with all my payments set up on Autopay. This reported late payment fee is due to a system error on their part during payment processing. 

This billing error by the company does not reflect my payment history and violates USC Code 1681eb. This mistake has severely impacted my reputation, character, lifestyle, and my family.

I insist that the late payment listed in the MONTHS REPORTING LATE be removed immediately.

The company is not complying with 15 USC 1666b, which outlines the standards for treating a payment as late. They incorrectly reported my payment as late without following the law.

15 USC 1666b ( a ) specifies that a creditor can not consider a payment late unless reasonable procedures ensure that the periodic statement, with required information per section 1637 ( b ), is mailed or delivered to the consumer at least 21 days before the payment due date.

The company failed to send the periodic statement and disclosures as required by section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the due date in good faith under rule 1002, but it has never been provided.

This situation is unfair, illegal, fraudulent, and unjust to me as a consumer.

I demand the removal of the late payments from my consumer reports.
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IN)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-06-19
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Portnoy Schneck, L.L.C. (NJ)

Hello, I spoke to XXXX from your law firm XX/XX/XXXX regarding my case and receiving a judgment issued on XX/XX/year> against me. I did not get a fair chance in court to argue my case which is : 1- I've been unemployed over a year now battled severe health issues 2- the only income I receive is $ XXXX monthly governmental aid, which legally you are not entitled to, nor can take 3- Ive reached out to this law firm multiple times explaining my circumstances and asked for the debt to be forgiven, with not reply regarding my circumstances as I CAN NOT PAY ANYTHING. 
I've spoken to XXXX XX/XX/XXXX & sent email correspondence, XXXX XX/XX/XXXX. Still no reply.
Consumer complaint received 2024-06-18
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: MoneyLion Inc. (NC)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2024-06-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (MD)

On XX/XX/XXXX my loan transferred from XXXX to newrez. 
On XX/XX/XXXX, I received a email stating that they do not have record of my mortgage payment and I have missed XXXX payments. I have automatic payments so I called and my records were reviewed and the young lady I spoke to stated she was a XXXX  employee and reviewed my account and stated newrez has added an escrow to my mortgage. 
My loan was originated with no escrow I pay my own taxes and insurance. The young lady saw the error and stated she will let the servicing department know. 
Yesterday XX/XX/XXXX I received a letter from newrez that my request to cancel the escrow has been denied reason the loan owner/investor has denied my request for escrow account deletion. 
I call the customer service number again and spoke to a manager, she stated that they can change the terms of the loan and I have to send a letter in writing so they can check it again but in the meantime to pay the escrow so it will not effect my credit scores.
Consumer complaint received 2024-06-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (NV)

I have been a victim of identity theft for the past 4 years. There have been Fraudulent Items being reported to my Credit Report.Someone has opened up a fraudulent account in in my name that is now reporting to my credit. The following account XXXX XXXX XXXX ( Account Number : XXXX ), Original Creditor : XXXX XXXX. Date Opened : XX/XX/year>. XXXX {$170.00}. I have never had an account with none of those companies. Cease the reporting of the fraudulent item being reporting immediately. I am not liable for this debt with XXXX XXXX and I do not have any contract with XXXX XXXX XXXX. I have attached a copy of my ID and my FTC report. ( Please see the attachments )
Consumer complaint received 2023-03-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Block, Inc. (WI)

XXXX XXXX I did a purchase for XXXX for XXXX through cash app XXXX went back in and updated my payment method on XX/XX/2023 my remainder balance never went back to my card of XXXX after XXXX updated my transaction so I called and talk to multiple supervisor one told me to call on XXXX XXXX so my 7 day hold could be dropped because that was the 7 day period I call yesterday they tell me to call back on XXXX XXXX now I be emailing support at cash app because today was the day I supposed to called as I email cash app today XXXX XXXX at XXXX pm I wrote So why is no one replying to my cash support email? I wrote in there over 3 hours ago Cash app manager XXXX wrote back at XXXX XXXX saying Hi XXXX, We have provided as much information as possible to help you resolve your issue. Were unable to provide additional support and will be closing your case. 

To contact Cash App Support in the future, tap the profile icon on your Cash App home screen and select Support. 

Best Regards, XXXX Cash App Support Manager They closing my case and it never got resolved also on XXXX XXXX XXXX XXXX XXXX words were If the pending payment has not dropped off or completed within 7 days, let us know and we can take a closer look. However, right now we are waiting for this payment to finish processing. 
But when I reached out today XXXX XXXX XXXX stated Were unable to provide additional support and will be closing your case. 

To contact Cash App Support in the future, tap the profile icon on your Cash App home screen and select Support. 

Best Regards, XXXX Cash App Support Manager Without even seeing where my money is and no explanations I had XXXX of cash app workers hang up in my face because Im asking them where is my money
Consumer complaint received 2024-06-18
Product: Prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Newport Intermediate Inc. (IN)

i tried sending emails to dispute the claim and i had sent multiple mails in forms like they had told me and ive barely got valid responses. Because someone had used the card and made purchases ive never did on it.
Consumer complaint received 2024-06-26
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. (CA)

I am writing to formally dispute the fraudulent information on my credit report. Upon reviewing my report, I discovered accounts that do not belong to me and are results of identity theft. These fraudulent accounts have already been removed from the records of other credit bureaus, indicating an inconsistency in your reporting.

I contacted the companies associated with these accounts via phone call, and they have confirmed that the accounts were fraudulent and have removed them from their records. Despite this, the accounts remain on my credit report with your bureau.

The presence of these fraudulent accounts negatively impacts my credit history and could have serious consequences for my financial future. I request that you promptly investigate this matter and remove the fraudulent accounts from my credit report. 


XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX.
Consumer complaint received 2024-06-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (CA)

I purchased my home in XX/XX/XXXX and setup an escrow account to collect property taxes. The lender has been collecting approximately {$1400.00} per month to cover property taxes and other annual payments. The first property tax payment was due in XX/XX/XXXX and the lender only paid approximately {$700.00}. I received a late notice bill from XXXX XXXX in XX/XX/XXXX. The total bill included approximately {$590.00} in late penalty fees. I contacted the lender and informed of the bill. They paid the bill but paid the penalty fee out of my escrow account. This happened again this year. The second property tax payment was due XX/XX/XXXX and the lender only paid approximately {$700.00}. I received the late notice bill from XXXX XXXX in XX/XX/XXXX. I called to inform the lender. They initially refused to pay the bill and I had to escalate and speak with several people before they agreed to pay the bill. Again, this bill included a penalty fee of {$590.00} ( 10 % of the original due payment ) and it was paid from my escrow account. The lender should cover the penalty fees out of their pocket as they had been collecting enough to cover both payments. In both cases, they did not pay the full amount. Thank you for your time.
Consumer complaint received 2024-06-18
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MD)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XX/XX/year> Portfolio Recovery associates XXXX XXXX XXXX, XXXX, VA XXXX Dear Portfolio Recovery Associates, I am writing in response to your recent communication regarding the alleged debt associated with the above-referenced account. I am requesting validation of this debt as provided for under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I am aware that the statute of limitations for collecting this debt may have expired, as it pertains to credit card debt from approximately four years ago. However, I am requesting validation of the debt in accordance with my rights under the FDCPA. I am also writing to bring to your attention that, under the Consumer Financial Protection Bureau 's Regulation F, specifically 12 CFR 1006.34 ( B ) ( 5 ), you are required to provide validation information upon request. As per the regulation, " Validation information means information that confirms the consumers name, the debt amount, and the name of the creditor to whom the debt is currently owed. '' I am formally requesting that you provide this validation information for the debt referenced in your recent communication. Please provide the following information : The original creditor 's name and contact information. The original account number and the date the account was opened. The total amount of the debt, including any interest and fees that have been added since the last payment. Documentation showing that you are authorized to collect this debt. Please note that any further communication regarding this matter should be in writing. I am exercising my rights under the FDCPA to request that all future correspondence be conducted through written means only. I expect your compliance with this request within the time frame specified by law. Failure to provide this validation information may result in a violation of federal regulations. Additionally, please be aware that I am keeping thorough records of all correspondence regarding this matter, including copies of this letter and any future communications from your office. Thank you for your prompt attention to this matter. I look forward to receiving the requested validation of the debt within the time frame specified by law. Sincerely, XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-03-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (WV)

I sent a sum of XXXX BTC to an account owned by my girlfriend, which is administered by CashApp. CashApp locked those funds due to a transaction limit, and instructed her to return the funds to me. 

However, when she attempted to do so, CashApp denied her access to the funds and claimed that her PIN was invalid. She logged in to change the PIN, and tried again. CashApp once again invalidated her PIN. This has made our issue impossible to resolve and locked up a significant portion of our life savings.