davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-22
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (MI)

Owned home since XX/XX/XXXX ; mortgage has been sold/merged many times in 17 yrs ; 1.75 % was added to prime rate on my ARM ( right before closing in XXXX XXXX -- illegal, but I can't do anything about it now -- statute time has passed )... so then -- Last year, tried refinance but couldn't [ income / tax returns too low, etc. ] ; opted to call my current mortgage company, PHH/XXXX, whom said I could pay {$5000.00} or more and have my payment lowered -- via re-amortization; sent {$6500.00} lump sum, in order to lower my payment ( my payment was $ XXXX jumping to $ XXXX!! ) since the payment resets every XX/XX/XXXX. However the re-amortized payment was $ XXXX -- which was still too high/not easily reachable ( I'd lost the VA XXXX XXXX in XX/XX/XXXX XXXX well as my son 's $ XXXX rent/month in XX/XX/XXXX because he moved to WA ) ; rejected that payment ( still too high ) -- and asked for a loan modification/temporary modification of some sort ( I knew what kind of options they have, and I qualify ). Applied in XX/XX/XXXX ; they asked for additional details ; submit and re-submit all sorts of information and details for months since XX/XX/XXXX! -- when I knew my income had changed/was reduced back in XX/XX/XXXX! They've asked me give details and reapply into XX/XX/XXXX, and send letters out which take 5-10 days to reach me -- leaving me very little time to respond in time. My last full application was XX/XX/XXXX, which they accepted as 'complete ' -- however, they said 30 days or less for a decision, which would've been XX/XX/XXXX... more conference calls, etc., and its now XX/XX/XXXX. I've gotten conflicting letters and a conference call EVERY month -- not the Relationship Manager assigned to me ( I actually reached her once -- back XX/XX/XXXX ), but all conversations and all correspondence ( s ) have been as though they don't know what they're doing ( cross purposes ) AND, their final 'determination ' was that I have the ability to pay even though my 'assets ' have not been looked at properly! WHAT are the underwriters looking at??? -- the assets they ask for ( on application ) are not liquid!! AND they're denying a/ any -- modification. I sent information to them via the e-mail addresses they provided ( all this time, as I started with FACSIMILES back in XX/XX/XXXX, but they said they couldn't 'read ' them or they weren't 'clear ', etc. ) ; sent everything AGAIN on APPEAL by XX/XX/XXXX and XX/XX/XXXX deadline ; but alas they've pulled me along for so long, that I have become less capable of that mortgage payment -- have not paid XXXX or XX/XX/XXXX. XXXX is upon us -- I feel as though they've dragged me for months -- not really evaluating my liquidity/ability to pay -- my only income is $ XXXX. Their practices seem unfair or unsavory ; it seems they want to keep my home ( for gain ) ...!?!?!? ... as in short sale or deed in lieu, etc. They need to handle customers ' requests/credit -- much more carefully. My mortgage was paid every month on time for years!!
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over XXXX  days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.
Consumer complaint received 2024-04-23
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Stillman Law Office, LLC, Farmington Hills, MI Branch (NJ)

Subject : Cease and Desist Letter Regarding HIPAA Violations Dear Sir/Madam, I am writing to you regarding your recent attempts to collect a debt allegedly owed to XXXX XXXX XXXX XXXX on behalf of Stillman Law Office . It has come to my attention that your collection activities may be in violation of

the Health Insurance Portability and Accountability Act ( HIPAA ). HIPAA regulations strictly govern the privacy and security of individuals ' protected health
information ( PHI ). As a debt collector operating on behalf of XXXX XXXX XXXX XXXX, you are obligated to adhere to these regulations. 

It has been brought to my attention that during your debt collection efforts, you may have disclosed or accessed PHI belonging to me, which is a direct violation of HIPAA regulations. This unauthorized disclosure or access to my PHI constitutes a serious breach of privacy and warrants immediate action to rectify the situation. 

Under the provisions of HIPAA, any entity that discloses or accesses PHI without authorization may be subject to severe penalties, including fines and legal action. As such, I demand that Stillman Law Office cease all collection activities related to the debt owed to XXXX XXXX XXXX XXXX until this matter is resolved. 

Furthermore, I request that you provide me with a written explanation of how my PHI was obtained, accessed, and utilized during your debt collection process. Additionally, I require confirmation that all copies of my PHI in your possession have been securely destroyed and that no further unauthorized disclosures will occur. 

Please be advised that failure to comply with these demands will result in further legal action, including but not limited to reporting this matter to the appropriate regulatory authorities and pursuing civil remedies for the violation of my privacy rights under HIPAA. 

In addition, I want to make you aware that should this matter escalate to arbitration, it will result in substantial costs for your company, potentially totaling thousands of dollars. Additionally, I expect compensation for the time and inconvenience caused by this HIPAA violation. Therefore, I am requesting {$1000.00} payable to me for my time. 

I expect a prompt response to this letter and a resolution to this matter within 15 days. You may contact me via email at XXXX Thank you for your immediate attention to this serious issue.
Consumer complaint received 2023-11-09
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Late or other fees
Company: NORTHWEST BANCSHARES INC (OH)

On XX/XX/2023 I asked the chat rep thru the account portal how to avoid the {$5.00} monthly fees and was told the balance needed to be above {$300.00}. I transferred {$200.00} to make the balance XXXX from XXXX through the end of the month. On XX/XX/2023 I was charged {$5.00} again. 

I noticed it today on XX/XX/2023 and contacted chat support again. This time I was told it's an average balance. With today being the 9th, the average will be below {$300.00} at the end of this month, thereby guaranteeing I'm billed another {$5.00} fee. 

I feel they should have stated that it's based on an average so that I would have moved more over. Instead they leave you just enough information to keep you in this endless loop of fees. 

Up until XX/XX/2023 my average balance of all accounts with this bank was {$70000.00}, yet they still saw it fit to charge me fees on the smallest one. 

I closed the small account today.
Consumer complaint received 2023-01-25
Product: Credit reporting, credit repair services, 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. (GA)

Reporting act American : The following Inquires Have violated my rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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.

ALSO THESE inquires are in itself fraudulent and not done by more nor my consent and I have not consented to the reporting in my personal name to any reporting agencies.

& 15 U.S.C. 1681-1681, imposes that responsibilities on all persons who furnish information to consumer reporting agencies ( CRAs ). These responsibilities are found in Section 623 of the FCRA, 15 U.S.C. 1681s-2. This is unauthorized by me and unlawful and I seek immediate removal. Ive requested this before and ive yet to get a response from my inquiry. This is my second time reflecting upon this matter.
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

In XX/XX/XXXX, I became member at an local citizens bank official.. After a year I was asked to leave the online bank citizens bank. I was remoted as individual banking client to phone banking only due to bad behavior. I received information on withdrawals and/or transactions. In XXXX, I left citizens bank official, withdrawing both my savings and money account due to poor treatment. Information regarding investigation still has not been provided. In XXXX my federal and state income taxes are still being audited as problematic due to poor handling by this bank, Citizens Bank official in local XXXX New York.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (MA)

I have all documentation proving that I have not had any late payments. In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604 a section 2 ) also state a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b a creditor may not treat a late payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-12-11
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: AMERICAN EXPRESS COMPANY (HI)

On XX/XX/XXXX, I attempted to make a payment via XXXX using American Express ' Send & Split feature. I had already successfully added a balance of {$870.00} to my Send Account ( which is required before sending funds ), but when I tried to complete the payment via XXXX, I received an error message on the XXXX app to the effect of " Something went wrong, we could not complete your payment. '' However, when I logged into my American Express account, and viewed the Send & Split balance, it showcased a completed transaction of {$870.00} to the XXXX recipient. After confusion, I reviewed XXXX again and there was no record of the payment going through. 

So Amex reflected the transaction as completed, but XXXX did not receive it. I chatted with XXXX customer service ( I have a transcript as well ) and they informed me that since the payment did not go through I would have to reach out to the bank issuer ( Amex ) to resolve it. 

I opened a dispute with Amex over it and they at first did not want to dispute it because to them, the transaction was " completed. '' I told them it was not, and sent the transcript with the XXXX agent proving this. They promised to get me a decision in 7-10 days, but have not resolved it or given me any updates. I followed up with Amex, and they continue to tell me they're " working on it. '' This is a significant amount of money that I trusted Amex to send on my behalf. And, since I still owed that money to the recipient, I had to send another {$870.00} via a different service to them ( XXXX, which did work - thankfully ). I am hoping that you can help me get this resolved, since it was not my fault and was due to a glitch on Amex or XXXX.
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (CO)

My name is XXXX XXXX. I retired from the military at exactly the same time that the economy crashed back in 2009, and I literally lost everything. My house, separate land, my stock portfolio, all of it gone and I've been renting ever since. 

Also, my credit score has been subprime since then. It's like it wasn't enough for me to lose everything, I need to be constantly reminded by my poor credit score.

I pay all my bills on time. Most of my utility bills are paid far in advance so that I have credit surpluses with those billers. I paid off every penny of my student loans. I pay my rent on time and have done so for the past 10 years. Spotless rental history, yet it does me no good. Do you see how unfair this credit system is to people who are not able to currently support a mortgage? I can't even get a mortgage because my credit score is so low. It's really, really frustrating and contacting the credit bureaus does no good. There is simply no mechanism to fix this issue, because technically they don't have to. 

I really don't know what else to do. I'm not usually supportive of government regulation, but in this case, something needs to be done about these credit bureaus that are spinning low scores to millions of Americans who do pay their bills on time. In the end, those low scores cost Americans millions due to higher interest they pay for any loans. Interest is already through the roof, please take some time to figure out a way to help me in this hopeless situation. This affects so many Americans, it should be a 'no-brainer '. Thank you for your time! 

Sincerely, XXXX XXXX
Consumer complaint received 2024-04-23
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Automated Collection Services, Inc. (TX)

This company that identifies itself as ACS I is continuously calling me at an opportunity times as I work from my cell phone. The company is also making harassing calls to others on my behalf. 

If this company believes that it has a valid debt that belongs to me, it may contact me solely at XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX. 

Any other method of communication will be deemed harassing and/or a violation of my privacy.
Consumer complaint received 2022-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

XX/XX/2022, To whom Can Help Me It Would Be Appreciated, On XX/XX/XXXX of 2022, I send certified letters to all three credit bureaus updating my personal information and asking that all incorrect information and inquiries be removed from my credit reports ; according to FCRA, Section 611 ( a ) ( 6 ) and ( 7 ) for a second time. There has not been any corrected or deleted inaccurate, incomplete, or unverifiable information within 30 days of receiving notice of my dispute. My report should not show I owe {$14000.00} due to loss from a natural disaster as stated by the annual report records and by the company itself with a date stamp. Also, the accounts for all the bureaus read closed with the date stamp on my report. It's reporting a debt as charged-off which was settled or paid in full due to loss from a natural disaster and listing me as a debtor on an account when I was only the authorized user. Since reaching out to the company my accounts have been reporting old debts as new or re-aged to show activity which can also be found on all three bureaus ' sites. I have started to receive calls from agencies attempting to collect multiple times a day. I have not heard from either of the credit bureaus by mail, email, or certified letter mentioning or confirming my updated information and it has been well over the stated 30-day window of verification. I have been working on my report since XXXX and attempting to contact you to have my information updated. In the previous months before sending my letters. I called the companies and signed up for their website as stated by their agents from calling for help. They cited this as " the only way to get the help I needed ''. That was a lie! It was a way to get money from me to pay them without being able to even see my credit report, let alone dispute fraud incorrect information to have removed. I am asking for this incorrect information, and inquiries to be removed. I am also asking to notify every CRA involved that I disputed the debt, submit corrected information to the CRA subsequent to investigating my dispute, refrain from continuing to submit the information that it knows ( or should know ) is incorrect, and inform me of the results within five business days. It has been 90 days which is past the lawful window of verification. I do not consent to e-Oscar or any means of automated verification.
Consumer complaint received 2022-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Unauthorized use of my private information ; fraud by using my personal information to apply for credit cards and unauthorized use apply for car loans and some form of line of credit CAPITAL ONE BANK XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX  XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX, 2022 XXXX - XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/ 2022 THE XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 2022
Consumer complaint received 2022-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX  old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: SANTANDER HOLDINGS USA, INC. (AL)

This complaint is about Santander Consumer. 
My loan was originally with XXXX XXXX, it was bought out by Santander in XXXX. Since the life of the loan, there has been no reporting to the credit bureau 's from Santander. I have called several times over the past XXXX yrs, asking why it's not reporting. I was told that they will report once the loan is paid off. 
My loan was paid off in XX/XX/XXXX, when I contacted Santander and asked how long before it is reflected on my credit I was told 30days after. So it's 2 months after, and I'm trying to buy a house and the lender tells me that there is no car loan on my credit. So I contacted Santander on XX/XX/XXXX and asked why wasn't it reported since it's been paid for 2 months now. I was told that it was reported to all XXXX agencies, and that I would need to contact the agencies to find out about the report and have them dispute it. I contacted all XXXX agencies and they stated that they do not see anything on my credit for a loan from Santander, and that they can't dispute anything that's not reflecting on my report and I would need to contact Santander and get them to report it. So I call Santander back and explained that the credit bureau 's can not file a dispute for something they do no show on the report. The call was then escalated to the platinum team, so I spoke with a supervisor and she said the same thing as the previous person and that she was going to send in a request for audit report and I should have a answer by XX/XX/XXXX. 
XX/XX/XXXX I called Santander and they are stating that, they will not reinstate the account to report to the credit agencies ' because the account is closed also that they may not have reported because of inaccurate or incorrect information. I told them nothing has changed and I never received any notifications that something was inaccurate or incorrect on my loan. I asked what was inaccurate or incorrect and she told me that they don't give her that information. I asked her so what am I supposed to do about getting this information reported, and she said to contact the agencies again, but that was all she could do.
Consumer complaint received 2022-10-25
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. (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. 

XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602.A I have rights to privacy.

15 U.S.C 1681 section 604.Ait also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section 2 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 2022-10-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Best Service Co.,Inc (CA)

I tried to contact credit bureaus XXXX XXXX, XXXX ) to have them remove this paid debt from my credit report and it still remains. I contacted the debtor but was told they can not remove from my credit. I feel it I paid for this debt in full is should be removed with no problems. I have reached out to all credit bureaus and they wont budge.