davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: CITIZENS FINANCIAL GROUP, INC. ()

Sent a letter in XX/XX/2018 with request to close and account in Citizens Bank ( XXXX XXXX XXXX XXXX, MA XXXX ). Sent the same request by FAX since I did not hear anything from the bank. 
Received a letter ( dated XX/XX/2018 ) from the bank at XX/XX/2018, stating that the account was overdrawn by {$4.00}. 
How, is this possible if the account was was closed in XX/XX/2018. 
Next I receive a second letter ( dated XX/XX/2018 ) from the bank at XX/XX/2018, stating that the account was overdrawn by {$17.00}. 
Citizens bank says that I can deposit the amount in any branch or ATM machine. That is impossible because I live in XXXX, XXXX ( XXXX ) and  there are NO Citizens braches or ATM machines here. 
The big problem is that the bank is sending letter which use more than 1 month to arrive and someone keeps withdrawing funds from an account that should be closed. 
Obviously there is something wrong in the Citizens bank system. 
Please help before this get out of hand. 

Best regard XXXX XXXX XXXX
Consumer complaint received 2024-06-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC. (NJ)

In XXXX XXXX, my lot loan mortgage was sold to Select Portfolio Servicing , Inc . I have had this lot since XXXX which the loan has been sold several times and never required homeowners insurance. This property is a tiny XXXX piece of land with no dwelling. Upon SPS obtaining this loan, they started sending letters in XX/XX/XXXX advising that homeowners insurance is required. I started reaching out to them immediately! I have called and written many times since the initial letter in XX/XX/XXXX and I keep on getting the same response even up to my last reach out at the end of XXXX, We are reviewing the documentation still. They promised me that it will be reviewed and a resolution will be provided. As of today, XX/XX/XXXX, no resolution has been provided. No one will tell me what the holdup is or what I can do to help provide needed documentation to prove there is no dwelling. Now the bank XXXX XXXX placed insurance on my mortgage payment and I am stuck paying for insurance which is not required. I dont know what else to do? I have provided the tax bill showing no assessment on a dwelling, property card from the county and a copy of the initial loan rider showing its a lot loan. They never told me what I needed to provide. I just sent it. I have no idea what they need. Please help!!!
Consumer complaint received 2024-07-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MD)

These are charges on XXXX  for dental services. It was for myself and wife. Wife passed away in XXXX. It was paid! XXXX  sent it to a third party agency called PORTFOLIO RECOVERY ASSOCIATES. This needs to be deleted off my reports. I am XXXX XXXX XXXX. It will not be paid even if I do owe it.
Consumer complaint received 2023-11-27
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: LoanCare, LLC (TX)

I HAVE CALLED AND MADE SEVERAL ATTEMPTS TO MAKE MY XXXX MORTGAGE PAYMENT SINCE XXXX OVER THE PHONE BY CALLING XXXX WITH LOANCARE MY MORTGAGE SERVICER. I HAVE NO HAD ANY LUCK GETTING ANYONE TO ANSWER MY CALL UNTIL TODAY AT XXXX XXXX AND THE REP I SPOKE WITH INFORMED ME THAT THEY ARE NOT ABLE TO ACCESS ANY ACCOUNT INFORMATION AND NOT ABLE TO ACCEPT MY PAYMENT UNTIL SYSTEM ISSUES ARE RESOLVED.
 
   THE REPRESENTATIVE ALSO ADVISED ME THAT MANAGEMENT HAS NOT DECIDED IF THEY WILL REPORT LATE PAYMENTS AND CHARGE FEES IF THEY ARE NOT ABLE TO RESOLVE THE SYSTEM ISSUES ON TIME FOR XXXX. THE FACT THAT THE REPRESENTATIVE IS UNABLE TO PROVIDE ANY FURTHER INFORMATION MAKE ME WORRY THAT MY PERSONAL  INFORMATION HAS BEEN BREACHED AND HAVE NOT RECEIVED ANY STATEMENT FROM LOANCARE ABOUT WHAT IS HAPPENING IS HIGHLY UNACCEPTABLE. I ALSO ASKED THE REPRESENTATIVE TO PROVIDE ME WITH A CUSTOMER SUPPORT EMAIL ADDRESS TO DOCUMENT MY ATTEMPTS TO MAKE PAYMENT, AND INQUIRE ABOUT WHAT IS HAPPENING. AFTER BEING ON HOLD FOR 8 MINUTES THE REPRESENTATIVE HUNG ON ME AND STILL HAVE NO IDEA WHAT IS GOING ON. 
  I HAVE FILED A COMPLAINT WITH THE DEPARTMENT OF SAVINGS AND MORTGAGE LENDING AND HAVE COPIED THIS ON THIS EMAIL WITH EVERY EMAIL ADDRESS I HAVE ON FILE FOR LOANCARE ALONG WITH THE SCREENSHOT FROM MY CELL PHONE DOCUMENTING MY CALL TODAY WITH THE TIME. 
  I WOULD REALLY APPRECIATE SOMEONE REACHING OUT TO ME TO IFNROM ME WHAT IS HAPPENING AND IF MY PERSONAL DATA HAS BEEN COMPROMISED FROM A BREACH AND ALLOW ME TO MAKE MY XXXX  PAYMENT. 

I WILL NOT ACCEPT LOANCARE REPORTING A 30 DAY LATE PAYMENT ON MY CREDIT REPORT WHEN I HAVE ATTEMPTED TO MAKE MY PAYMENT BEFORE THE END OF THE MONTH.

I WILL SEEK LEGAL ACTION IF LOANCARE REPORTS 30 DAY LATE PAYMENT IF THEY ARE NOT ABLE TO ACCEPT MY MONTHLY MORTGAGE PAYMENT, I HAVE ALSO ATTEMPTED TO TRY AND MAKE PAYMENT ONLINE AND THE PAYMENT PORTAL IS DOWN. I DON'T FEEL CONSUMERS SHOULD BE PUNISHED WHEN THEY HAVE NO CONTROL OR RECEIVED ANY COMMUNICATION FROM LOAN CARE ON WHAT IS HAPPENING. 

  PLEASE HAVE SOMEONE REACH OUT TO ME DIRECTLY TO GIVE ME ANSWERS AND ALLOW ME TO MAKE MY PAYMENT. 

I ALSO ASKED IF I WERE TO OVERNIGHT A CHECK TO THE XXXX XXXX  ADDRESS AND IT DOES NOT GET PROCESSED BEFORE THE END OF THE MONTH, WILL MY PAYMENT BE REPORTED LATE? THE REPRESENTATIVE COULD NOT PROVIDE ME WITH AN ANSWER. 

  PLEASE REACH OUT TO ME ASAP, BELOW IS MY NAME, ADDRESS, PHONE NUMBER AND ACCOUNT NUMBER. 

THANK YOU XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-08-30
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: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I made a purchase from XXXX XXXX. XXXX and at first i had trouble tracking the shipment because XXXX XXXX   provide me the wrong tracking info. There link sent me to XXXX XXXX web site when i later found out XXXX XXXX   was handling shipment. This delay in not knowing where my shipment was is critical to what became a real mess. My shipment sat at XXXX XXXX XXXX in XXXX for three days and I still did not know it was there. With XXXX XXXX  you must make arrangements with them to get delivery. They said they tried to deliver to my street using a tractor trailer insead of a box truck and where turned away by police..They said they would try redeliver the next day using box truck. Instead they told me if i want the shipment i would have to repay deliver fee. I told them i was not going to do that i did npthing wrong. To make a long story short my credit card is still trying to charge me for a shipment i did not recieve.
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Systems,Inc. (CO)

I have submitted disputes with XXXX regarding their reporting of an incorrect collections account ( National Credit Systems ) on these dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have submitted and mailed court documents along with my identification documents to verify that they are reporting inaccurate information. I have called to speak with XXXX customer representatives regarding this case on these dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Despite calling and speaking with managers and consumer affairs, nothing has been corrected in the reporting of this account. No actions have been taken by XXXX.
Consumer complaint received 2018-08-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: TD BANK US HOLDING COMPANY (CA)

TD Bank , N.A . denied a credit transaction for XXXX upgrade program. It stated reasons which are inaccurate. I have well established credit over 30 years, no recent delinquencies, debt to income ratio is standard for credit card evaluations. The XXXX XXXX XXXX XXXX score provided by TD Bank is XXXX. I believe TD Bank , N.A . 's action in connection with this arbitrary and discriminatory. 

The offer of credit is also misleading. XXXX site offer as reflected by this link : XXXX XXXX XXXX offers zero interests for 24 months and upgrade option after 12 months with a purchase of a new phone. It also offers to wave remaining balance after 12 months with a new phone purchase. It does not say it would provide a credit card. However, after submission of the credit application, it discloses that that it is a credit card application.
Consumer complaint received 2023-11-27
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: EQUIFAX, INC. (CA)

Credit Bureaus are engaging in deceptive and unfair practices of the FDCPA which it prohibits. They are reporting late payments on accounts that are incorrect and inaccurate. Under law The late payments on this account are inaccurate and are in direct violation of 15 USC 1681s-2 ( a ) ( 1 ) ( B ). 

XXXX XXXX Acct # XXXX DEPT OF EDXXXX Account number XXXX XXXXXXXX XXXX Account number XXXX
Consumer complaint received 2023-06-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (PA)

I noticed on XX/XX/XXXX as I look through my bank account that the company I have a loan through, mortgage pull out her dollars and I thought that was kind of odd come to find out he can pull in {$530.00} out of my account since XX/XX/2022 I contacted Faye servicing And I was told that I was going to get refunded. They had no idea why they were pulling XXXX away now they opted not to refund my money leave it. And then you take the mortgage payment each month. Id really like to know, why is it OK for them to go in without my permission into my bank account still {$7000.00} and its all OK I would like someone to call me XXXX. My name is XXXX XXXX.
Consumer complaint received 2023-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I am writing to inform you that I recently initiated a request with a credit reporting agency to conduct an investigation into my credit report. This request was made due to the presence of certain inaccuracies that I observed within my account. Following my request, your agency proceeded with a verification process to determine the accuracy of the reported information. 

I was subsequently notified by your agency that the results of their investigation concluded that the information contained within my credit report is indeed accurate. However, despite the thoroughness of their research, I have personally identified additional inaccuracies that persist within my credit report. 

In accordance to the fair credit reporting act, account XXXX  XXXX account XXXX XXXX XXXX have violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to Privacy 15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-12-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (IL)

I submitted a claim for the transaction below and the bank denied my claim. 
They deemed me responsible for transactions that I did not make or know of who could have made these transactions. 

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 2023-11-27
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. (OH)

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, XXXX XXXX Equifax is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, XXXX, Equifax and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2024-06-23
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Adjustment Service, Inc. (TX)

It was on XXXX XXXX XXXX XXXX XXXX XXXX  agent solicited me, if I can switch to XXXX ; he offered me one month try, if I dont like the service, I can return the equipment. During the 30 days try, I didnt not connect the equipment to have access to internet. 
They cancelled the service on XXXX ; they sent me emails stating, they will send me a return label to ship their equipment back, through XXXX, things they didnt do, I never received the return label! I started call many times for the return label. On XX/XX/year>, I went return the item ( equipment ) to XXXX XXXX store, I have the receipt of return. Six months later I received a notice of negative report on my credit, I filled a dispute to the collection agency however they still want me to pay the no return fees for the item I already returned. The email I received for the compa
Consumer complaint received 2020-07-27
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Onity Group Inc. (NC)

Ocwen Financial Corporation agreed to put my mortgage in forbearance under the CARES Act until XX/XX/2020. 

Recently I noticed that my credit score had decreased dramatically and I see that my mortgage company has reported my forbearance as delinquent! I have approached them twice on the phone to sort this out but my credit rating is still lower than it should be. 

I am wondering if this is actually a 'mistake ' as they suggest or a more widespread pattern of embarrassment? 

I was just about to be able to refinance for a lower rate thanks to the recent changes in the rules but this has set me back from a good credit rating to only fair. 

I would really appreciate any help you can give me in expediting the process of removing the delinquent category from my credit rating, it is simply not true!
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

On XX/XX/year> my credit score was lowered XXXX points for no reason. There is nothing listed as to why my score was lowered including no negative information and no reason why my score was lowered.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

PLEASE REMOVE UNAUTHORIZED FRAUDULENT INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I AM A VICTIM OF IDENTITY THEFT.
Consumer complaint received 2023-11-27
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. (MI)

I am writing to bring to your immediate attention the persistent inaccuracies on my credit report, specifically pertaining to late payments on my XXXX  XXXX account with the account number XXXX This matter is of utmost urgency, as the reporting inaccuracies are not only a violation of my rights under the Fair Credit Reporting Act ( FCRA ), but they also constitute a blatant disregard for the consumer protections enshrined within the legislation. 
Under the FCRA, 15 USC 1681 ( a ) ( 2 ) ( i ) explicitly mandates the accuracy and fairness of consumer credit reports. It is with great concern that I must address the egregious inaccuracies in reporting, specifically in relation to late payments on the aforementioned XXXX XXXX account for the months of XXXX, XXXX, XXXX, XXXX, XXXX & XXXX OF 2023
Consumer complaint received 2023-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

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. 

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 violated my rights. 

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 2023-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

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. 

Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account XXXX has violated my rights . Or a list of inquiries : 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 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (OH)

Today is XX/XX/XXXX. I'm following up about my credit report. 
On XX/XX/XXXX I was checking my credit report. I noticed unrecognized collections on my credit report from ; XXXX ) XXXX XXXX, XXXX XXXX, XXXX ) XXXX XXXX, XXXX ) XXXX XXXX XXXX XXXX, and XXXX ) XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXXXXXX XXXX about a High Credit balance of XXXX. I have no business with XXXX. XXXX, XXXX My original creditor is : XXXX XXXX XXXX I never gave permission for my information to be improperly shared. I want this account removed off my credit report XXXX ) XXXX XXXX XXXX about a High Credit balance of XXXX XXXX I have no business with XXXX. My original creditor is : XXXX I never gave permission for my information to be improperly shared. I want this account removed off my credit report XXXX ) XXXX XXXX XXXX XXXX about a High Credit balance of XXXX XXXX I have no business with XXXX XXXX. My original creditor is : XXXX. I never gave permission for my information to be improperly shared. I want this account removed off my credit report. 

XXXX ) XXXX XXXX XXXX XXXX about a High Credit balance of XXXX XXXX I have no business with XXXX. My original creditor is : XXXXXXXX XXXX XXXXXXXX never gave permission for my information to be improperly shared. I want this account removed off my credit report. 

The list of accounts above are unrecognized and, in violation of my consumer rights to privacy and confidentiality.In accordance to fair credit reporting 15 U.S.C 1681 Section 602 A I have the right to privacy and information submitted must be accurate. 15 U.S.C 1681 section 604 A section 2 : Consumer reporting agency can not furnish a account with my written instruction or permission.

15 USC states informaction reported must be accurate
Consumer complaint received 2023-11-27
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. (MI)

-This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. 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 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2024-05-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (MT)

On XX/XX/XXXX my wife and I sent paper request to all three credit bureaus for our annual free credit reports. On XX/XX/XXXX XXXX complied and sent our reports. We sent second request on XX/XX/XXXX and as of today no response for Equifax and XXXX XXXX. In XXXX we had the same issue with only Equifax and had to file a complaint to get our free report.