davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-17
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credence Resource Management, LLC (CA)

XXXX XXXX went to Credence Collection after XXXX and XXXX refused to follow through with collecting improper debt. 

According to Internet research, Credence is a scam. 

XXXX XXXX is a great company. XXXX has sullied reputation and standing by using a scam collection agency - Credence Collection Agency. 

I have, after dozens of attempts, been able to find a reliable resource at XXXX Arizona office. XXXX XXXX XXXX XXXX. 

XXXX stated problem was with improper codes used by Internet provider where I lived. A XXXX senior residence, XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX. 

XXXX stated issue was with Bulk account at XXXX on XXXX XXXX XXXX. I do not know if Landlords changed code. I have read XXXX is now A XXXX for XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX has proved useless regarding this issue. City of XXXX XXXX, CA contributed to XXXX XXXX on XXXX XXXX XXXX. 

This has been a long drawn out tedious process. 

XXXX has been guilty of ineptness due to my attempts to resolve this issue after having made many dozens of phone calls to XXXX XXXX. 

I spoke to dozens of agents who where trying to sell me streaming services. 

I repeatedly stated, dozens of times, I have no interest whatsoever in streaming services. 

I simply wanted to be on the Affordable Care Program! 

I have been a XXXX XXXX customer for 25 years We use XXXX XXXX where I live for Television. 

I appreciate the help, support and opportunity the FCC and FTC are providing. 

Also : Landlords were charging extra for improved Internet service- WHEN FCC WAS OFFERING FREE INTERNET ACCESS THROUGH AFFORDABLE CARE PROGRAM. 

FCC STATED THIS WAS A CRIME AND CONTACT FTC. 

THANK YOU
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OR)

I am writing to express my profound frustration and disappointment regarding the unresolved inaccurate items on my account. Despite multiple attempts to rectify this issue, the fraudulent charges remain, causing ongoing distress and financial inconvenience. This lack of resolution is unacceptable and has severely impacted my financial stability and trust in your institution. It is critical that this issue be escalated immediately within your organization. The persistent presence of erroneous transactions on my account is not only a misrepresentation of my financial history but also a potential security risk. I demand immediate and decisive action to resolve this matter. I require the following actions to be taken such as Immediate Removal of these accounts. If this issue won't be solve, l would have no choice but to escalate the matter further, including seeking assistance from regulatory authorities to ensure compliance and protection of my consumer rights. The following items should be remove as soon as possible : XXXX XXXX  Balance Owed : {$2300.00} ; XXXX  XXXX XXXX Balance Owed : {$14000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX  XXXX Balance Owed : {$2400.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$13000.00} ; 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} ; 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-05
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: Onity Group Inc. (IL)

On XXXX I called XXXX Mortgage at XXXX about my modification confirmation. I was advised ( and confirmed by a supervisor ) that my mortgage payment would remain the same until XXXX of XXXX. " Also there will NOT be a escrow audit until XXXX. '' " At that time the mortgage payment will go up '' {$2300.00} are the monthly payments. This is the amount on the bill as of XXXX. On XXXX I called and requested that recorded call as I was mislead, deceptive words were used and they did confirm that part of the XXXX modification included Escrow advance money. I am asking them for a resolution and restitution for not acting in good faith and their misleading practices. 

PHH Mortgage Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you!
Consumer complaint received 2024-08-22
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc. (AZ)

XXXX apartments made up amounts to charge us when we moved out. My attorney sent them a letter with no response. XXXX then sent the bill to collections. I contacted them and uploaded the letter with no response. Then collections sent it to the XXXX credit bureaus. I am currently trying to dispute the charges with the three credit bureaus. I have provided my attorney 's letter and pictures of the unit. 
Please respond. 
Thank you XXXX XXXX
Consumer complaint received 2024-06-17
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: Experian Information Solutions Inc. (NE)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I recently obtained a copy of my credit report and these accounts were reported showing I owe a debt. After requesting a debt validation and proof the the HIPPA Release form with my signature and a breakdown of the charges from the orginal credit and XXXX XXXX. They were not able to provide me with those documents. 

I am allowed under the HIPPA Law ( Health Portability and Accountability Act of 1996 ) to protect my privacy and medical records. I do not recall permitting them to release my medical information to a third party. 

I believe that this company violates the FDCPA for withholding the documentation requested of service in connection with the alleged debt. Please help me resolve this matter since they refuse to cooperate with my request. 

Account in disputed listed below : 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 2024-06-17
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. (NE)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-07-19
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings (FL)

I rented an apartment but was never able to move furniture in due to a medical emercency. I received word that my daughter, who is XXXX, need my assistance. 
I immediately notified the rental office. They indicated that there was no problem as long as I submitted a letter from my daughter 's doctor. I did that and didn't hear anything else until I received the collection telephone call and letter. I tried to explain the situation and even sent them a letter along with a copy of the doctor 's letter but they were very rude and wouldn't listen to anything I said. I paid the entire month that I moved out but left well before the end of the month. They were able to rent the apartment immediately. I don't understand why they want more money from me. I can't help that my daugher needed my help and had no intentions of moving from those apartments.
Consumer complaint received 2024-07-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Paypal Holdings, Inc (CA)

On or about XX/XX/year> I was able to add {$10.00} to my Venmo balance from my verified XXXX bank account. 

Attempts to add more money to my Venmo balance from the same verified XXXX XXXX account have failed with the " We can't add your money '' error. Venmo support doesn't know the reason, can't override it, and can't tell me when it will be fixed. All they say is that " the system '' blocked my request and no one can override the system. 

The Venmo product is useless to me if I can't add money to my Venmo balance from my bank account ( s ).

I thought I might fix the problem by removing my verified bank accounts and bank debit card and then adding them back. 

On XX/XX/year>, when I tried to add back my XXXX bank account, I got the " something went wrong error. '' Support escalated the issue. 

Venmo needs to remove whatever condition ( s ) are preventing me from adding bank accounts and from using the Add Money function to fund my Venmo balance from verified bank accounts.
Consumer complaint received 2024-07-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MRS BPO, LLC (NJ)

I am writing to file a complaint regarding an attempt to collect a debt that is a result of identity theft. The original creditor is listed as XXXX XXXX. However, I have never had any dealings with XXXX XXXX. and do not have any accounts with them. Despite this, a collection agency ( MRS BPO , LLC ) is attempting to collect this fraudulent debt on behalf of XXXX XXXX. 

The collection agency 's attempts to collect this debt are causing significant stress and concern. I believe this account has been created fraudulently due to identity theft. 

A legal contract is signed by two parties and I did not participate in any of it. More so, they didn't follow the proper procedure in notating my dispute of the account, which is a direct violation of 15 USC 1692e ( 8 ), which makes this unfair practice. According to the FDCPA, Im entitled to XXXX dollars per violation and clearly, they violated my rights. 
I request that the investigate this matter and take appropriate action to ensure that the collection agency ceases its attempts to collect this fraudulent debt. Additionally, I request assistance in ensuring that XXXX XXXX. acknowledges this as a case of identity theft and takes the necessary steps to rectify the situation.
Consumer complaint received 2024-09-12
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP (ID)

Statistically middle class americans have their account funded within XXXX business days. I normally do not have my account overdrawn for more than XXXX hours. Recently, I lost my job and am on unemployment. MY account is funded every Thursday. Between Tuesday and Thursday my account was over drawn and I incurred {$XXXX} dollars in overdraft fees XXXX dollars each. 

Once the account was funded on Thursday I called to see if as a courtesy I could get any of the fees reversed. And no one at the bank would help me. Their excuse was that its a computer system and the system will not let them waive any fees. Middle class, and poor citizens pay to fund these banks in overdraft fees. 

The account was funded within 3 days. {$XXXX} dollars per fee is insane. XXXX on unemployment!
Consumer complaint received 2024-07-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (VA)

Despite my request for validation under the Fair Credit Reporting Act ( FCRA ), Synchrony Bank ( SYNC ) has failed to provide any response. According to 15 U.S.C. 1681s-2 ( b ) of the FCRA, Synchrony Bank ( SYNC ) is legally obligated to ensure the accuracy of the information they report to credit agencies. However, they continue to report inaccurate information, which is significantly impacting my credit rating. This disregard constitutes willful negligence under the law, and I am prepared to pursue legal action to address this matter.
Consumer complaint received 2019-06-27
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: Experian Information Solutions Inc. (TN)

XXXX ; Experian and XXXX are reporting incorrectly a collection on the XXXX XXXX  XXXX XXXX  partial account number XXXXXXXX in the amount of {$400.00}. This account has been paid in full and I was assured by the representative I spoke with that these trade line items would be removed from my credit report. I have contacted all ( 3 ) bureaus to resolve this issue, however I have not been successful. This incorrect reporting is harming my credit score. Please remove these line items from my credit report.
Consumer complaint received 2024-07-29
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Computer Credit, Inc. (NJ)

I'm reaching out to the CFPB for assistance with these unprofessional people. It's been over 8 months since I give birth at the XXXX  XXXX XXXX XXXX XXXX Now my son is XXXX XXXX XXXX. 

Now before I give birth I check with both the hospital and my insurance if everything will be covered for me to give birth and they both confirmed that I'm fully covered, now after XXXX XXXX of giving birth I receive an unknown bill form XXXX XXXX XXXX  XXXX for a bill amount of {$8000.00} for my new born. 

I immediately contacted XXXX XXXX XXXX  to get a better understanding of what I'm receiving this bill for. After several calls and them Promising me to call back with more information, I never received one call or even a mail of what this bill is for. 

After another month I reach out to them again and asked them what's going on and I still can't receive an explanation of why I'm receiving a bill for my new born. They still couldn't give me any answers. They just keep promising to call me back with more information and they never do. 

Now after 7 months I receive a mail from an unknown company claiming to be a debt cancellation agency. They said they'll receive this debt from XXXX XXXX. I then try to contact them, several calls to them and nun was successful. 

So now I'm kindly asking the CFPB for assistance in this cases since it's completely unfair for them to even try and send my new born bill to a debt collection agency and they can't even explain to me what's the bill for.
Consumer complaint received 2024-07-29
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Self Financial Inc. (MS)

On XX/XX/XXXX at XXXX I contacted the company about this issue and spoke with an employee by the name of XXXX  about this account from XXXX and I was told I dont have any late payments on file and it should not be reported on my credit profile as a late payment.. I would like this late payment removed from my credit profile..
Consumer complaint received 2024-07-05
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. (AR)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section 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.
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. (VA)

The items listed below are reported on my credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-07-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (WA)

I went to a atm on XX/XX/24 @ XXXX and withdrew money and was putting away my debit card and phone cuz I locked my account and unlocked my account at the atm because that money was needed for something so I reached for the receipt and to take my cash then all of a sudden something flashed across the screen and said I took too long to retrieve and to contact my financial company chime bank. I contacted chime for them to tell me I have to wait to it its not pending so on Sunday I called chime to open a dispute and on Monday XXXX  at XXXX getting a email saying they denied my dispute. XXXX XXXX XXXX hours for them to investigate. All point atm cardtronics told me chime doesnt investigate. This is my money how can the atm or card company just keep it. I will be going to another card company because chime doesnt protect its consumers
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Westlake Services, LLC (TN)

I filed a few disputes with XXXX confirmation # XXXX # XXXX # XXXX about me victim of identity theft and I was effected by XXXX data breach and XXXX XXXX XXXX data breach. XXXX is refusing to remove these inquiries that I didn't authorize. XXXX XXXX WESTLAKE FINANCIAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. Someone used my information without my authorization for I am victim of identity theft see attached
Consumer complaint received 2024-08-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Shellpoint Partners, LLC (PA)

My complaint, which is attached as a document, shows that although state law provides homeowners with the right to reinstatement and the right of redemption, I was denied this right. Also. The confiscation of the refunded insurance to offset hardships by NewRec Shellpoint mortgage without applying the funds to cure the mortgage debt when the principal was less than {$21000.00} as evidenced by : ( XXXX ). Denying me the process catching up of catching up on payments by accepting a one-time payment of the full principal amount past due, plus any penalties and fees, to cure, reinstating the loan for resuming regular payments without employing the equity doctrine of unclean hands, resulting to working prejudice against me. 

( XXXX ). I was denied the Redemption, the process of paying off the full amount of the loan, including interest and fees. Court papers will show I was twice denied the sale right of redemption. 

Even if a particular state does not provide these rights by law, these and other rights may be contained within the mortgage or deed of trust documents. A homeowner facing foreclosure should also remember that they can initiate negotiation or mediation with the lender, the loan holder, or the servicer and may ask to redeem or reinstate their loan ( or pursue another alternative to foreclosure ) regardless of whether they have that right under the law or their contract. 

( XXXX ). NewRec Shellpoint Servicing and its shell companies grossly ignored the Federal Mortgage Servicing Laws Protecting Homeowners.

The Dodd-Frank Wall Street Reform and Consumer Protection Act of XXXX  amended the Real Estate Settlement Procedures Act of XXXX  to protect the rights of homeowners with mortgages further. Implementing the new laws, and even your good- the Consumer Financial Protection Bureau developed mortgage servicing rules in XXXX and XXXX. These rules not only govern several parts of the relationship between mortgage servicers and homeowners but also place a cursor on the information provided to homeowners about their mortgages. The time periods in which mortgage servicers must credit payments and respond to information requests were ignored and never respected, resulting in a booking mess, as you will see in evidence and the record. Title 231, Chapter 2320 231 Pa. Code.
Consumer complaint received 2024-09-24
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Self Financial Inc. (AR)

I sent a Debt Validation Letter to this creditor, asking to provide documentation because they have it listed as a charge off with a balance, that is also written off. They are reporting a charge off on XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX as a charge off and XX/XX/XXXX and XX/XX/XXXX This account is also listed as Self Financial/Lead Bank & Self/ XXXX ( reporting 2 times as XXXX different collectors ) ... ..should be only reporting as XXXX, not XXXX. 
Self/XXXX Account XXXX XXXX Self Financial/Lead Bank Account # XXXX This debt has violated my consumer rights by continuously charging off by balance to extend the statute of limitation, How can it be charged off and written off and yet still list me with a balance owed of {$100.00}. This is inaccurate and false information that should not be reported.