davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-17
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: McCarthy, Burgess & Wolff, Inc. (VA)

I received calls from this organization ( McCarthy Burgess & Wolff ) from as early as XX/XX/year> to now ( i.e. XX/XX/year> ), claiming that I owed money to XXXX from an unpaid bill. After I gave them my financial information in XXXX ( which included my card details ), which then resulted in an amount of {$77.00} being taken from my checking account, I realized later on that I very well might've fallen for a phone scam ( this being after I researched the company online ). After freezing my old debit card and talking with a XXXX XXXX, I was told that I did not owe money to them from a previous independent account I had with them, therefore confirming that I was indeed scammed. 

I've had to freeze my old debit card with XXXX, put in for a new one twice ( in which I finally received my new card today, XX/XX/year> ), and had to file a complaint with XXXX to get my money back.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MO)

My account with Equifax 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 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.

Equifax 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 2024-06-12
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (AL)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2023-07-13
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (AL)

Synchrony is using deceptive practices to manipulate and negatively impact the credit score of borrowers. They offer you credit. You use it, make all payments on time and adhere to the terms of the agreement. Then they slash your limit, which impacts your score. Then they close your account, without warning and again your score is negatively impacted. Im never going to be able to improve my credit with companies like Synchrony bank taking advantage of consumers. Im SO MAD!!!!
Consumer complaint received 2024-06-11
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (CA)

I have made 3 disputes with all the credit unions and only XXXX and XXXX have taken this off my credit report. XXXX has told me to contact the collections agency ( I.C. System Inc. ) directly which I have twice the last time being today XXXX at XXXX PST. On both occasions they have failed to give me any details on this collections and to send me a validation letter of this debt or send any written information on this debt even though they are holding me responsible for it by placing it in collections on my credit report.
Consumer complaint received 2024-06-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (NJ)

I had recently had a collection account removed and blocked due to identity theft. The Original account was XXXX XXXX XXXX XXXX XXXX  ( {$2900.00} ) then the debt was sold to I.C Systems INC. I wasn't aware of the account until I.C Systems first reported it. So I took the proper steps sent a validation letter and went through all the timely steps on getting it removed, I first disputed account XXXX & on XXXX it was removed blocked & had an Fraud Alert placed on my account. Now this is where the issue lies, after the account was deemed fraudulent and the collector ( I.C Systems ) was blocked from reporting that debt, they sold the debt to XXXX XXXX and XXXX. Under Section 605B of the FCRA, the debt associated with that account should not be legally sold to another debt collector. Once that account has been identified as fraudulent & blocked it is supposed to be treated as invalid. Selling or transferring such debt doesn't comply with the protection provided by the FCRA. And under the Fair Debt Collection Practices Act, collectors are prohibited in unfair, deceptive or abusive practices. So this is a violation of the Fair Credit Reporting Act & the Fair Debt Collection Practices Act. In turn I was able to get the XXXX XXXX account removed from my XXXX account XXXX because it was linked to a blocked account and not compliant with the FCRA or FDCPA, but it remains on my XXXX even though they also know it was illegally sold. Can you please reach out to all parties ( XXXX XXXX XXXX XXXX XXXX, I.C Systems, XXXX XXXX XXXX XXXX, XXXX ) & make sure the law is being held up and all companies & credit bureaus are FCRA & FDCPA compliant. Please & thank you.
Consumer complaint received 2024-06-09
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: Paypal Holdings, Inc (MA)

This notice I received in the mail has important information on it. I don't know what it is. It looks very fraudulent. The notice is not the first time. It's strange that this happens when I change my social security number at XXXX XXXX XXXX XXXX XXXX XXXX, Ma and these are the situations I'm going through. Is there any way that you can explain to whom ever that this intruder is using my identity, citizenship to rack up a bill with my important information? Please stop this infringement it's pathetic and cowardly.
Consumer complaint received 2015-10-07
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (CT)

XX/XX/XXXX I purchased my condo and took a mortgage with XXXX XXXX. After close, the loan was sold to Nationstar XX/XX/XXXX. This morning I called Nationstar and asked them that if I was to pay an additional lump sum amount toward my principal, how would they treat it ( a ) reduce monthly payment, or XXXX b ) reduce loan tenor or ( c XXXX a combination XXXX Nationstar responded that I could pay down on the principal but they would not reduce my monthly payment nor issue a revised/shortened amortisation schedule. Their reason being that they are a servicer and can not run new amortization schedules. When I asked, how would I know the final maturity date on my loan, they said I could figure that out on XXXX or go to bank XXXX As for how my monthly payment is being applied, they said I could see that each month on my statement, but they could not issue a new amortization schedule. 
I find this disturbing and hard to understand - As a servicer if their system can generate invoices and apply payments then its not possible that it can not generate an amortization schedule. So I am not convinced that this is a case of 'inability '. It appears more to be their unwillingness, in which case I question their integrity i.e. what do they have to hide? why this lack of transparency to how a customer 's money is applied and maturity date. 
Is this even legal? Can they take my money but refuse to modify payments or amortization period? The Nation star customer service manager said I could modify maturity through refinancing!!!! So while the contract says there is no pre-payment penalty by forcing me to refinance to get a new amortization schedule they are making money off me in another way. Seems like my choice is to be stuck in a 30 year mortgage or pre-pay and rely on their word that they will correctly apply my monthly payment to a reduced principal balance and keep paying with no line of sight to final maturity.
Consumer complaint received 2024-06-08
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: CL Holdings LLC (FL)

I am trying to refinace my home and I have realize that all these damages on my credit report according to the 15USC 1681 law, there should not be any damages on my credit report. It is defamation to my character.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to dispute the bankruptcy listed on my credit report. I have a letter from the court confirming that this bankruptcy should not be reported. Additionally, an unauthorized third party is involved, making this situation even more problematic.
Consumer complaint received 2024-08-07
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: FC HoldCo LLC (FL)

I tried to refi the loan i got in XXXX. Only to find out Flagship Credit Acceptance has not been reporting to the credit bureaus. I have called a dozen times and escalated to many different supervisors all said they would call me back and lied. I got a letter in the mail saying they have upgraded their system and will begin reporting soon. I have asked them when soon is so i can refinance the loan. They refuse to provide a date when they expect their error to be fixed and in the meantime they are still not reporting my loan so I can not refinance the loan.
Consumer complaint received 2024-08-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY (NJ)

XXXX {$800.00} XXXX Transaction XXXX 
I was trying to put a deposit for a puppy. I bank at TD bank. The seller XXXX XXXX XXXX asked me to send the money zelle. Within an hour i began to get contacted by XXXX XXXX XXXX XXXX XXXX who wanted me to send more money for transport. I contacted TD bank the same day and they told me XXXX is instant and im out of luck with getting my money back. I also called XXXX directly and they said go to your bank. 

I did log a complaint with the Federal bureau of investigation. Internet XXXX- i never heard anything.
Consumer complaint received 2024-08-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC (AL)

My loan was being serviced by XXXX XXXX in Alabama and was transferred to Shellpoint. Suddenly they cancelled my reoccuring payments without any notice, then when I set this up again the payment did not go through. They claimed I put in my banks information incorrectyl despite me using that exact same information for the prior year. I used that same information to make a one time payment, which finally did go through. I set up automatic payments again thinking the issue was resolved. The payment again did not go through and this time they charged me a fee. I called about this issue and they hung up on me mid call, I called back and someone was able to look into the issue but did not provide any information other than that this hasn't happened before and they would " escalate '' to a supervisor, but wouldn't let me speak to anyone else. They directed me to call my bank, who immediately showed me that it was indeed the mortgage companies issue.
Consumer complaint received 2024-07-23
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: HEARTLAND PAYMENT SYSTEMS INC (AZ)

I am writing to dispute inaccurate information that has recently appeared on my credit report regarding " US DEPT OF ED '' account number XXXX. The report states " Creditor can not locate individual/Never late, '' which does not accurately reflect my credit history. 

Under the provisions of 15 U.S.C. Section 1681i ( a ), I formally request that an investigation be conducted into these inaccuracies. I expect this investigation to be completed within 30 days from the receipt of this correspondence. Upon completion of your review and necessary adjustments, I request that you provide me with an updated copy of my credit report and ensure that the corrected information is updated with each credit bureau. 

Please acknowledge receipt of this dispute and provide information regarding the steps taken to investigate and resolve this matter. 

Thank you for your prompt attention to this request. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-08-07
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc. (TX)

Upon Reviewing my credit reports from all XXXX bureaus I noticed some unexplained account and past due amounts as well as charge off 's. I started by reaching out to the said creditors and got no where with them. However, I did give them information they requested such as SSN, DOB and Phone number. I explained to them that I believe I fell victim to fraud and that my identity must have been used by an unknown source. They claimed that they would investigate and follow up with me. I waited a minimum of 30 days and I still never received anything from the said creditor and to my dismay 3 and 4 years later I see these items are still reporting to my bureau 's. I reached out via phone to all XXXX XXXX ( XXXX, XXXX and XXXX ) and they have since noted on all of my bureaus that the information has been verified and meets FCRA guidelines. I still to this day do not know how this is possible. I followed everyone instructions and did as requested from Police Reports to putting a block on my file and still nothing has changed! I demand the items to be removed once and for all.
Consumer complaint received 2024-08-05
Product: Credit 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: SYNCHRONY FINANCIAL (CA)

Since XXXX I have been trying to get a refund fron Synchrony Bank pay pal online credit. 
I have been going back and forth between the two companies XXXX XXXX XXXX XXXX for the amount {$250.00}. I received a letter XX/XX/year> stating XXXX XXXX XXXX XXXX did REFUND all monies to paypal/paypal credit synchrony bank XXXX I called synchrony bank this morning and was told they have not received refund from XXXX XXXX XXXX XXXX XXXX plz see attached letter provided to Synchrony bank issuer of paypal credit.
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: MRS BPO, LLC (VA)

I am not liable for this Debt with MESBPO LLC I did not have a contract with MRSBPO LLC. They did not provide me with the original contract as I requested. My contract was with XXXX XXXX XXXX  XXXX.
Consumer complaint received 2024-08-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY (IN)

Wells Fargo Bank, they're portal asked for money amount then showed no placement for account or router number, XX/XX/year>2024, the domestic wire transfer took went to an account at XXXX XXXX XXXX under business name XXXX, to a good router and account number XXXX/XXXX/2024 Wells Fargo shared information that the owner of the account is not responding. I received several claims numbers from Wells Fargo and escalation Departments.
Consumer complaint received 2024-09-12
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)

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 2024-07-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I show a bankruptcy on my credit report. I contacted the court and they said they didn't furnish any information to the bureaus. It is clear they do not report to you or any credit bureau for that matter ; therefore the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately.
Consumer complaint received 2024-06-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (MI)

I have been with chase bank since 2018. I purchased a small business and opened my account with chase bank in Michigan along with business credit card. I own a gas station and I do deposit cash since thats the business Im in. XXXX weeks ago I received an email from chase that all my accounts are being closed, business checking account, personal account, business credit cards. I called and was given no answers. I have been switching all my vendors to new account and have to rout app payment to to new company. I have not missed a single payment nor I have done anything to hurt my business or chase image. The way I was treated by chase makes me feel like I have done something really back so Im being punished and all my accounts are being closed. Never again and I will make sure not XXXX in my family and friends will go near chase. I have my dad move his money from chase private to different company. He was upset when he heard what happen to me.
Consumer complaint received 2024-08-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (CA)

I requested a refund of {$10000.00} for a payment I made on XX/XX/XXXX during the COVID pause. I had made several attempts to contact my loan servicer Mohela prior to the deadline on XX/XX/XXXX. On multiple occasions I was on hold for over 2 hours before hanging up the call. I was finally able to get through on XX/XX/XXXX and my request was denied. 

Recent investigations and congressional meetings have indicated that Mohela has not provided reasonable access to customer service. This has continued to be the case and was reflected in my inability to contact them prior to end of the COVID deadline. Evidence has been provided regarding Mohela 's customer service " call deflections '' that have made it nearly impossible to speak with someone. 

In XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX. ), and XXXX XXXX XXXX ( XXXX. XXXX sent follow-up letters to student loan servicers -- MOHELA, XXXX, XXXX, and XXXX -- raising concerns about borrowers ' problems with return to repayment, requesting information about the borrower experience, and pushing back on the servicers ' claim that budget shortfalls limit their ability provide quality customer service to millions of borrowers.
Consumer complaint received 2023-02-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Helvey & Associates, Inc., Warsaw, IN Branch (NC)

On XX/XX/ I received a debt collection statement from Helvey & Associates representing XXXX XXXX Ohio & Kentucky in the amount of {$140.00} for account XXXX ( see attached Ref # XXXX ). I am a customer of XXXX XXXX in North Carolina. I contacted XXXX XXXX XXXX Customer Service department. I spoke to XXXX and then to XXXX with XXXX XXXX and was told there was an account set up in the name of XXXX XXXX XXXX for XXXX XXXX XXXX, XXXX, Kentucky on XX/XX/XXXX @ XXXX and was active through XX/XX/XXXX. I registered a complaint that this account was not mine. XXXX called me back after speaking to her supervisor and advised me to start this process. 

I also completed and returned the form ( Ref # XXXX ) to Helvey and Associates stating that this was not my debt.
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P. (PA)

My person information is being inaccurately report on my credit report. My name is spelled wrong my address isnt up to date. These agencies are knowing reporting wrong information that is hindering my credit score. 
Accounts are not being reported in accurate standing. XXXX XXXX is falsely reporting payment dates that havent been made by me. In order to keep this delinquent account report. 
XXXX is report false information about a closed account still being reported to agencies. 
XXXX is falsely report an account that has been closed in after being paid. 
XXXX XXXX XXXX XXXX XXXX is falsely reporting to agencies inaccurate information.