davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (IL)

NewRez sent several letters notifying me that I didn't have proper hazard insurance on my condo. 

This was after they dropped my insurance once they took it over. I responded the first two times that they were incorrect and that my insurance, again, that I had to reactivate because of them, was already in place and contained the required hazard provisions. They have the correct information because their error forced me to reactivate. 

I also submitted evidence of the policy to the URL they told me to use in their notices. They still withdrew {$600.00} from my account on XXXX and said they were not properly listed as the mortgagee. I called my insurance provider, and guess what? NewRez was listed as the mortgagee. My declaration also has a note from XXXX ( the policy began XXXX  ) stating the policy was amended, which is the date NewRez was put on the policy after they dropped my coverage during transfer. 

I had to call their investment department to get anyone on the phone. Now I'm resubmitting paperwork they already have and hoping they refund my {$600.00} back. Horrible, horrible company, which tracks with everything else I've seen about them.
Consumer complaint received 2023-09-22
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: Bread Financial Holdings, Inc. (FL)

I am past due on my balance. I missed a payment. One payment. I am getting calls all day long. Literally from XXXX to XXXX from various numbers. To the point of harrasment. At least 5-6 calls a day. This is a violation of the law and my rights. It needs to stop. This is not necessary for one missed payment.
Consumer complaint received 2023-09-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (OH)

I was not able to access my online banking so I called Citibank XXXX. The directed me to fraud account. They told me I can not have any access to me access and that they would send me a letter in XXXX to XXXX  days.
Consumer complaint received 2024-05-12
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: Mr. Cooper Group Inc. (NJ)

After I applied for assistance from XXXX XXXX XXXX because of the XXXX pandemic, XXXX placed the loan into foreclosure. The mortgage loan originated from XXXX XXXX XXXX. This loan was subsequently sold to XXXX XXXX XXXX, which reduced the principal by approximately 50 %. However, XXXX stated the loan at the original amount. We requested a full loan repayment history from XXXX, which was never provided. 

The home was recently sold and the loan amount was paid in full. However, XXXX falsely reported to all the credit bureaus that the house was foreclosed and they stated that we surrendered the deed in lieu of mortgage. This reporting has a major impact on our credit, reducing our credit score by more than XXXX points. We would request an investigation into this situation since we believe we were overcharged by hundreds of thousands in interest and other hidden costs.
Consumer complaint received 2023-08-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Hello, I have several unauthorized inquiries on my report. I have contacted all three credit bureaus by phone and email numerous times each month with no resolution. They all provide me with the same script to contact the company which I have and they advise me to contact the credit bureaus. Below I have provided the inquiries from each credit bureau. Transunion XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2023-12-04
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (FL)

I have Citi bank Advantage card and I would like to close. 
But bank already applied early fee {$99.00} and my. computer automatically paid it. I asked to cancel that card and credit that fee.

I am good customer for many years with bank and have 2 more Citi cards. I did not paid last year for Advantage card and did not expect fee for that year. 
By talking to bank I did not get any help at all. 
I am retired and I can not allow myself pay additional fee with I can not pay for other cards. 
Thanks
Consumer complaint received 2024-01-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC. (NY)

I have been a long time user of Robinhood ( since XXXX  ). I opened a cash management account during the early rollout and have used it as my primary debit card since. I have kept a significant amount of money there due to the high interest they paid out yearly and have been quite happy. Upon returning from the holidays, I found that my account was restricted, which I had assumed was fraud so I called support for assistance. 

This call led me to find out that apparently my cash management account had been rolled into some other form of account as they had sunset my cash management account. 

The result of this is that I am unable to withdraw money from the account using my debit card because, according to support over the phone, Robinhood lacks the proper licensing in XXXX for this new account to allow me to withdraw funds using the debit card they issued me. 

I have no other recourse other than to withdraw my money and move it to another bank so that I can use my checking account. 

I find this unacceptable and the fact they they would move me to a new account without the necessary licensing to continue my day to day operations is illogical. 

I received no notice from the company that this was happening.
Consumer complaint received 2023-04-25
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. (SC)

Pursuant to 15 USC 6803, at the time of establishing a customer relationship with a consumer and not less than annually during the continuation of such relationship, a financial institution shall provide a clear and conspicuous disclosure to the consumer, in writing or in electronic form or other form permitted by regulations. Pursuant to 15 USC 6802 ( b ) ( 1 ) ( a ) such financial institution clearly and conspicuously discloses to the consumer, the credit bureaus violated my right to not giving me the right to opt out clearly and conspicuously. In addition, the customer is given the opportunity before the time that such information is initially disclosed, to direct that such information not be disclosed to a 3rd party in which the bureau 's violated this this law as well because I was never disclosed at all. I was never giving the right for nondisclosure, opportunity or explanation on how I can exercise my rights. I demanded that the credit bureaus remove these accounts off my credit report immediately XXXX Account XXXX XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. XXXX XXXX XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Closed. {$500.00} written off. XXXX XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$420.00} written off. {$420.00} past due as of XXXX XXXX. Status updated XX/XX/XXXX XXXX XXXX XXXX Account number XXXX Account type Secured Card Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. XXXX XXXX XXXX Account number XXXX Account type Auto Loan Responsibility Individual Date opened XX/XX/XXXX Status Open. {$2.00}, XXXX past due as of XX/XX/XXXX. XXXX XXXX XXXX Account number XXXX Account type Secured Loan Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. XXXX XXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$660.00} past due as of XXXX XXXX. XXXX XXXX XXXX Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$630.00} past due as of XX/XX/XXXX. XXXX XXXX XXXX Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$500.00} past due as of XX/XX/XXXX XXXX
Consumer complaint received 2024-01-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

Portfolio Recovery Association, LLC put this account into collections. Before they did, I explained it wasn't mine. I have other XXXX accounts, but this is not mine, Spoke to XXXX at Portfolio and was told I could pay@XXXX doesn't matter that this is not mine, under my social. 
This had come up before, approximately 6 to 7 years ago, I proved it wasn't mine. This was taken off. 
Now it has reappeared through Portfolio. I told them I could prove it's not mine. she said it was under my social, and that I was responsible. 
I would like to see the original application, and the original invoice, and what social was it under?
Consumer complaint received 2023-05-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

You are reporting this collection as an OPEN ACCOUNT which is not under FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed.
Consumer complaint received 2023-09-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (NJ)

I am on PSLF and IDR. From XX/XX/XXXX until now I have been on COVID forebearance. I have not recertified my income since forebearance since I am not required to do so until XX/XX/XXXX. My last payment in XX/XX/XXXX was {$99.00}. Given that no interest has accrued and I have not recertified my income, my payment -- according to Federal Aid -- should be exactly the same, {$99.00}. However, MOHELA, my loan servicer, has it listed as {$170.00} starting in XXXX. I have messaged them and provided proof ( attached - bank statement showing XX/XX/XXXX payment amount ), and even filed a complaint with the ombudsman, but the payment has not been adjusted.
Consumer complaint received 2023-09-21
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. (TX)

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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written inructions 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 2024-01-11
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: RANDOLPH-BROOKS FEDERAL CREDIT UNION (TX)

RANDOLPH BROOK FED CR, please be advised that you are attempting to collect on an expired debt. I am invoking my right to cease you, based on factual law that this debt in question is legally expired under the Statute of Limitations. The statute of limitations in the state of Texas is 4 years. This account was opened in XXXX of XXXX  This account and debt should have been ceased as of XXXX Accordingly, I am requesting that you do not attempt to collect this expired debt, and should you seek legal recourse I will invoke my right of the expired statute as a valid defense. Additionally, any attempts to harm my credit rating by updating or changing dates after you have been informed that the debt is expired, are a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me. I am aware of how long items may remain on my credit reports and any attempt to extend the reporting time will be investigated by me and reported to the XXXX XXXX XXXX and my State Attorney General. I am completely aware of how long the debt is legally collectable and how long it is legally reportable. I realize a debt is allowed to be reported to my credit for 7 years, and my research has shown me that often a collection agency will reset the date of original charge off to the date they purchased it, thus trying to extend the reporting time in an attempt to force a consumer into paying it. I noticed that the date of last payment and date last active says XXXX, which is incorrect, and I have all documents to prove otherwise. The account is due to be removed from my credit report in XXXX I am informing you of this knowledge so that you may do the right thing. I have no intention of renewing the expired statute of limitations, and I expect the following account to be deleted from my credit report within 7 days : RANDOLPH BROOK FED XXXX.
Consumer complaint received 2022-12-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC (MI)

I declare under penalty of perjury ( under the laws of United States, if executed outside of the United States ) that the forgoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and Willful misstatements or omissions of material facts A FEDERAL CRIMINAL VIOLATIONS punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services or money ; and, was successful in creating some accounts. All is being investigated by the FTC
Consumer complaint received 2023-09-21
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (NE)

Over the past 2 weeks I have had at least 3 different credit card companies call me telling me that there have been applications submitted using my information. I have no knowledge and have to call each company and confirm that it was not me submitting them and that someone has stolen my information.
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (MD)

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 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CREDIT ACCEPTANCE CORPORATION (LA)

I recently reviewed my Consumer Report where I discovered that ( CREDIT ACPT ) date opened ( XXXX ) a loan installment account was notated as a ( CHARGE OFF/COLLECTIONS/ REPOSSESION ) on my profile. It was never disclosed to me upon our initial agreement that I had the right to opt out or opt into sharing my privacy with a third party. In pursuant to title 15 U.S.C. 1681b ( 2 ) any information communicated or notated on my consumer report should be based on my written instructions. In pursuant to title 15 U.S.C. 1681c ( 4 ) No CHARGE OFF/COLLECTIONS should be notated on a consumer report without written consent and an adequate notice antedating 7 years.
Consumer complaint received 2023-09-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (GA)

HEY IVE SENT IN LETTERS DISPUTING THIS NEGATIVE ACOUNT. I ALSO SENT IN A FTC REPORT TO DISPUTE THIS ACCOUNT. I ALSO HAVE SCREENSHOTS THAT SHOWS THIS NEGATIVE ACCOUNT IS NOT REPORTING 100 PERCENT ACCURATE ANYWAY. ON THE SCREENSHOT THE MONTHLY PAYMENTS ARE NOT THE SAME, THE OPEN DATE ARE NOT THE SAME, THE BALANCE ARE NOT THE SAME, THE DATE LAST ACTIVE ARE NOT THE SAME. EVEN THE LATE PAYMENTS ARE NOT THE SAME. ACCORDING TO THE FCRA ALL ITEMS MUST BE 100 PERECENT ACCURATE AND THIS ITEM IS NOT. PLEASE DELETE XXXX XXXX XXXX
Consumer complaint received 2023-09-21
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. (NY)

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 2024-04-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.
Consumer complaint received 2021-10-12
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: JPMORGAN CHASE & CO. (IL)

The collection agency misrepresented a debt charged off in XXXX as a new debt closed in XXXX and then reported it to XXXX reducing my XXXX XXXX. I disputed report thru XXXX and credit agency " verified accuracy of report. '' I provide proof of inaccuracies provided to me by original creditor ( Chase credit ) to XXXX and Collection agency and was told they would only remove report if I paid {$1500.00}.
Consumer complaint received 2024-06-12
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (IL)

I rented with XXXX XXXX from XXXX at XXXX XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX IL XXXX. During the first year, my bedroom flooded and my insurance paid. I lost a XXXX  and XXXX brought in nothing so I couldnt move out after. I signed on again and then my sewer backed up into my kitchen and my tap broke. Maintenance locked it up for up to 1 month because he claimed he couldn't find the tap part. We washed our plates with bathroom water which turned yellow-brown sometimes XXXX I have XXXX kids. I couldn't let them drink or be there when the XXXX sink would bubble out daily with sewer water. I left to rent with XXXX in XXXX, instead of XX/XX/XXXX when my lease was to end with XXXX XXXX. Meanwhile, a neighbor on the same floor was given another room on a higher floor when she experienced mere flooding. I thought it was because I owed so I didn't complain. 

On XX/XX/XXXX, the property manager met me in the garage and took my unit keys from me because she said they, the management, didn't want me to have access to the building. Meanwhile, I was supposed to rent the unit till my lease was up on XX/XX/XXXX. She said to send any interested persons that would want to rent my unit, to pay my bill, to her office. I parked my car on the XXXX floor of the buildingsgarage, even after I moved in XXXX, and I used the elevator to access it. It was then I felt the issue was a XXXX one. 

I asked the XXXX XXXX team if I could bring them a check to pay down my bill, they said no, and that a collector would contact me to work with me. 

Now some months later, Im looking for rent after renting with XXXX and Im being rejected for having a rental collection on my credit score. I called FCO in MAryland, they claimed they called me but didn't leave a voicemail, text or send an email. I found FCOs mail, far later than their dispute date and they said they can't do anything about it, and can not take it off my score. 

Now, I have XXXX little kids, and I'm XXXX. I have complained and sent all this in an email for the right figure to pay off so I can rent, they have not replied. 

I need urgent help to reach them fast, to get the right figure to pay and to take this error off my credit report as it's not true, and they did not contact me for the amount to be paid. {$9700.00} is the bill they have sent me, but if they took the keys from me because they did not want me to access the building, and with a broken tap, Do I have to pay those months because of the lease? Did they not break it up by taking the keys? 

Please, urgently help me and my kids. 

XXXX XXXX