davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (PA)

From XXXX XXXX XXXX 2021 my girlfriend and I rented an apartment from the company XXXX XXXX  XXXX which represented our landlord XXXX. On that final week of XXXX we asked our landlord and property manager if that we could have an extra week to move our stuff out. They said yes. At the time there was no mention of a charge for staying an extra week, considering that we had paid first and last months rent + security deposit. A month later our old property manageXXXX XXXX called us and demanded we pay him XXXX $ for staying the extra week. At this point we had already long since moved out. It was not agreed upon at the time and certaintly not in our lease agreement, so we saw this as a fraudulent charge. We contacted our landlord, XXXX and he said had no knowledge of this charge. He expressed that we did not owe that to him over text messages which I have saved. The property manager representing XXXX XXXX XXXX management then changed his story and told us he " had no record for rent being paid in XXXX ''. We sent the receipt for XXXX, and pointed out in our lease we had already paid the first and last month 's rent plus security deposit. We were always on time with our rent payments, and recieved our security deposit back in XXXX minus XXXX dollars. We recieved a check for XXXX of the remaining deposit. We thought this was closed issue. In XXXX the property company threatened to send us to collections for this supposed charge. We once again sent them our receipts and expressed that this charge had never been agreed upon, and was an extortion attempt. Yesterday we received a call from XXXX XXXX trying to collect this alleged XXXX XXXX Our old landlord XXXX once again put in writing that we do not owe this to him. This is a fraudulent charge and I left them a message asking for debt verification. We have all of the written proof that our rent was paid in full for the 9 months we were at our old apartment and would like to dispute this fraudulent charge. Once again, XXXX $ was taken from our security deposit. At the time we assumed they were taking this as a charge for the week over our lease. But now here we are, with no agreement, no mention of money until a month after the fact, and a bill from some random collection company, over a charge that was made by a company who hadn't represented us or our property in over a month.
Consumer complaint received 2022-02-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: DISCOVER BANK (CT)

I spoke with Discover reps yesterday, XXXX, was advised accounts are closed, checking account overdrawn in the amount of $ XXXX including returned item in the amount of {$690.00}. This item is a check issued from XXXX XXXX XXXX XXXX, mentioend in prior CFPB complaint ( XXXX ), a relative deposited check into account under his name. It appears the relative made a claim for this amount with issuing bank, XXXX XXXX, whom in turn investigated item and was returned back to them as of yesterday, XXXX. I spoke with a XXXX XXXX with XXXX XXXX to verify return, was told it was not returned, it was denied... I then reached back out to Discover, was told funds were returned to XXXX XXXX, which does not match up with information provided by XXXX XXXX
Consumer complaint received 2022-03-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. ()

On XX/XX/XXXX i got locked out of both my checking and investment account. I contacted my wealth relationship advisor to solve this problem, and they said my account was under review, with all the assets they are managing inside. 
On XX/XX/XXXX, i got an email saying that my accounts will automatically close within 60 days. 
On XX/XX/XXXX, after no solution from the bank though my advisor, i called them, and spoke with a fraud department representativa, who said that because of a previous claim, made on XXXX, my account should be closed. I told him that i was traveling to XXXX  in XXXX, if he could postpone this matter. Representative said yes, and the closing process was stopped. 
On XX/XX/XXXX, I called both the relationship advisor and the asset manager, and they told me that accounts will me closed, and that no reason was given to them. After many apologies from them, and having them said that they tried to find out the reason for the closure, we hang up.
Consumer complaint received 2022-11-05
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: OneMain Finance Corporation (MS)

XX/XX/2022 account was reported delinquent 1666a-1666b states that a creditor can not treat a payment on a credit card account as late for any purpose. I have tried to reason with my current creditor. I have a right to privacy These late payments have stopped me from getting approved for things I need to take care of my family This account reports late every month
Consumer complaint received 2022-06-18
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Shellpoint Partners, LLC (CA)

CFPB stated repeated claim was closed due to a response from the Shellpoint ( NEW REZ LLC ) a Debt Collection Agency. Just because the company responded does not close the case ( XXXX ). I am a mortgage payer, who pays on time and constantly being harassed or penalize when insurance information has already been submitted. I am being treated unfairly. The company is trying to place a lender-placed hazard insurance payment to my mortgage payment. The unit is covered by Condo HOA & Personal Homeowner Insurance. There is no lapse in policy as company is stating. Insurance information has been faxed, emailed, or upload to website annually when requested. If there had been any damage to the condo ( inside or out ), the condo would be covered. The debt collector agency is double dipping insurance policies and trying to make me pay. Request is to end lender-placed hazard insurance. Until the issue is resolved the complaint remains OPEN.
Consumer complaint received 2017-03-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (GA)

I was involved in a settlement case in which I shared with thousands of affected borrowers against Ocwen, the mortgage provider whom foreclosed on my home illegally. Ocwen was charged with engaging in unfair and deceptive acts and practices in violation of the federal Consumer Financial Protection Act. Lenders and their loan servicing operations were accused of misconduct in determining whether foreclosures were warranted for thousands of high-risk " subprime '' borrowers who were having trouble keeping up with payments. Among other things, they were accused of misleading customers about the foreclosure process and alternatives to avoid losing their homes, and charging unauthorized fees. 
This illegal foreclosure has resulted in financial injury resulting in my being denied credit and obtaining another mortgage loan, due to the nature of the illegal reporting of the foreclosure on my credit file. I am requesting that this account be permanently removed from my credit file with immediate effect.
Consumer complaint received 2017-01-26
Product: Credit card — 
Issue: Other — 
Company: Continental Finance Company, LLC (NC)

I had to credit cards with Continental Finance : A Matrix MasterCard and a XXXX Mastercard. Last XXXX, I enrolled in a debt management plan with XXXX XXXX XXXX and both accounts were enrolled in a hardship program with the agreement to pay XXXX per card per month. Payments have been made consistently as agreed upon by the debt management plan proposal. However, Continental Finance is currently showing both of my accounts as " Charged of as Bad Debt, Profit and Loss Writeoff ''. In addition, they showed me as 30/60/90 days past due for the last several months. Both I and XXXX XXXX XXXX have been attempting to get a satisfactory resolution to this matter for over a month now. Last week, XXXX XXXX XXXX had been told that I had been " exited '' from the hardship program and that they would need to submit new proposals. However, today I received a letter from Continental Finance indicating that " Our records indicate that your account is currently enrolled into the hardship program. '' In short, despite being told I had been exited the program and despite the fact that timely payments have been made for the last 5-6 months, Continental Finance has incorrectly reported the status of my XXXX accounts which has caused a significant drop in my XXXX score.
Consumer complaint received 2015-10-15
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: HYUNDAI CAPITAL AMERICA (NY)

This is about Hyundai auto finance company ... .they got my cell number from who knows where ... ..I have NEVER had a loan or ANYTHING with them, but they keep callllllllling me at least three four times a day sometimes more ..., ... they call when im on conference call and when they do, my conference cll drops ... and I have to redial in ... ..Ive sent them email telling them to " cease and desist '' ... ..and they talk to me like im the one infringing on their time ... ..they do n't leave messages, just call and call and call ... .its annoying ... .Ill NEVER buy a car from these people based on their behavior ... ..Ive never had dealings with them, a loan, nothing!! I HAVE TO PICK AN OPTION BELOW TO GET THIS THROUGH, BUT IVE NEVER HAD A LOAN OR NOTHING WITH THESE FOLKS ... ..I want them to stop calling me and or anyone else they are harassing! when u ask them to stop they do n't. then u call them they act like YOURE stupid.
Consumer complaint received 2022-06-18
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. (WI)

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX XXXXXXXX has 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
Consumer complaint received 2022-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

Experian decreased my credit score due to XXXX XXXX decreasing my credit card limit of which i am an authorized user on. There was no non-payment, late payments, extra high limits or any derogatory information. They decreased the limit due to non-usage of the card. I find this RIDICULOUS when people work to pay off cards or stop using them to stay out of debt. I wonder how many other people have their credit score affected by such an outrageous action, or how many people know about such. THIS SHOULD BE INDICATED ON MY ACCOUNT TO SHOW THAT THE DECREASE WAS IN No WAY CAUSED BY NEGATIVE ACTIONS BY THE CONSUMER.
Consumer complaint received 2018-05-15
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Niagara Credit Solutions, Inc (OH)

I received a notice for this debt from a Niagara Credit Solutions , Inc on XX/XX/XXXX stating that the debt owed was XXXX. Then on XX/XX/XXXX I received a call from someone at ext XXXX saying that I owed over XXXX don't recall the full amount. How is this possible what interest rate are they charging on this? I want a copy of any letter stating the rate that would be charged to be sent to me.
Consumer complaint received 2022-03-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have asked XXXX ( report # XXXX ) and TRANSUNION ( file # XXXX ) to verify an account reporting on my consumer report for errors by XXXXXXXX XXXX XXXX After multiple disputes, I am reaching out to the Bureau to help delete this unauthorized, inaccurate account that has financially hurt me and hindered my ability to extend credit. This account is said to be closed in two different times and written off amount are completely different. 

XXXX claims this XXXX has a past due amount of {$1900.00} however the account was said to be written off for the amount of {$1400.00}. How can this account be written off on the corporation and then still accumulate additional money after the account is charged off? This is a clear error that has been reported for years. XXXX continues to update this account without correcting the error. 

For this XXXX account to be valid and continue to report, It needs to be the same across the board. Because XXXX and TRANSUNION have validated the same account reporting inaccurately with errors. 

I am asking for the immediate deletion of this account.
Consumer complaint received 2018-12-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Advance Bureau of Collections (GA)

Creditor is reporting accounts that are invalid and unverified. XXXX  have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.
Consumer complaint received 2018-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (OH)

Sent Ally letter asking that late payments be removed as we did not agree with late payment reports, they mailed back letter saying they would not change anything they agree with what was reported, after I sent letter they locked me out of my online account so I could not get in and make my payments, when you call you have a hard time getting someone who speaks or understands English. They always say we will look into it and get back with you but nobody ever does.
Consumer complaint received 2022-06-18
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: Oliver Adjustment Co. (WI)

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX XXXX has 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
Consumer complaint received 2022-06-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FISERV INC. (MO)

On XX/XX/22 I received a request for payment from TRS Recovery Services , Inc for {$120.00} for a purchase made at XXXX XXXX XXXX XXXX paid for by check # XXXX ( Dummy check # ) Drawn from an account at XXXX XXXX  XXXX XXXX XXXX XXXX, MO contacted XXXX XXXX  XXXX XXXX XXXX XXXX account found with my name. XXXX XXXX verified the check at point of purchase ( unbelievable ). I contacted XXXX XXXX XXXX XXXX XXXX XXXX XXXX investigate the matter at, XXXX ( XXXX ) XXXX, never heard back from them. I contacted TRS Recovery Services XXXX XXXX and received a dispute form which I completed and mailed it back to them. On XX/XX/22 I received a TRS Forgery/Identity Theft Declaration, completed it and mailed it back to them along with all the information I had found to substantiate my claim of fraud/identity theft. The information regarding this matter was given to me by XXXX XXXX, XXXX ( XXXX ) XXXX and XXXX XXXX  XXXX XXXX ( XXXX ) XXXX and through my own investigation.
Consumer complaint received 2022-03-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (TX)

I paid my Sam 's Club Synchrony XXXX bill in XXXX, XXXX, and additionally canceled the card in writing, sending that with the bill. 
That bill was late, due to address changes & mail issues, and so I paid the late fees, canceled the card again in writing, and again, gave my updated address. 
I received a letter from Synchrony in XXXX, XXXX, stating they received the address change and updated my information. 
XXXX, XXXX, I was billed the annual fee for the card, so I did not pay the bill and, wrote that this was the third time I've told them to cancel the card. 
I have not used the card since XXXX, XXXX, and have " chased '' their fees ever since. 
They obviously changed my address, and when they said they updated my account in their letter noting such, I took that to mean that they canceled the card. 
Now they continue to bill the $ 100 yearly card fee, along with late charges from my refusing to pay the annual fee.
Consumer complaint received 2022-02-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I AM WRITING TO DELETE THE FOLLOWING INFORMATION N MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. 
I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THE CHARGE. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORT. 
I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE.
Consumer complaint received 2018-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (VA)

We purchased a rug at XXXX XXXX, XXXX XXXX, Florida on XX/XX/XXXX. We were encouraged to make a credit card application to receive an additional discount. After doing so, the rug was not further discounted and we requested that the credit card application be rescinded ( we paid with an existing credit card ). We were told they couldn't do that and we were given a phone number to call at Synchrony Bank, the credit card issuer, to discuss the matter. We called and explained why we did not want the credit card. The representative of the bank concurred and said that they would confirm in a correspondence. All of the above actions took place within a two hour period. We received the correspondence dated XX/XX/XXXX indicating that the credit request was denied. Our regular financial institution has indicated that we have an XXXX out of a potential 850 FICOS rating. We are proud of that and don't want the misrepresentation by XXXX XXXX and inaccurate rationale by Synchrony Bank to have a negative impact. It is our experience that having a credit report corrected is difficult and time consuming. XXXX XXXX says they can do anything and Synchrony Bank make it difficult to communicate with them. Please help..
Consumer complaint received 2021-12-01
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (TX)

On XX/XX/XXXX XXXX paid {$2200.00} out of my escrow account to the wrong insurance company. The payment should have gone to XXXX XXXX, my insurance company, but it did not. I have called loandepot at least six times and have spent over an hour on the phone with them each time. I have been told that they will get the money back or that they will cancel the check but that has not happened. As of today, XX/XX/XXXX, the money has not been returned to my escrow account.
Consumer complaint received 2018-05-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I went to Bank of America branch to cash a payroll check drawn on XXXX XXXX. They instructed me to deposit since my account was overdrawn a little bit. I was told the ATM would make some of it available but the funds were deposited into my savings account instead and placed on a verification hold for 14 business days. I believe this is illegal structuring of customer transactions and violating Bank Regulations and Bank Secrecy Act Laws. They are temporary using my funds to earn interest and make loans. This is unfair business practices and they should be fined. Payroll checks are next day availability
Consumer complaint received 2018-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Specialized Loan Servicing Holdings LLC (CA)

The above noted loan continues to show on my personal credit report as an outstanding loan. The loan was paid off when the property was sold. Payoff date was XX/XX/XXXX. This is impacting my credit score and loan to debt ration, as the XXXX XXXX  monthly payment and XXXX XXXX balance is still showing as an obligation on the property associated with this loan. The property address is XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. I provided copies of my credit report to Specialized Loan Serving per their request when I contacted them again on XX/XX/XXXX. I originally called on/around XX/XX/XXXX to contest this with XXXX XXXX XXXX escalation department and was assured it would be removed from my credit report. As of XX/XX/XXXX that had still not happened. I was also told a letter would be sent to my address of XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX stating this loan was paid in full. I have yet to receive any acknowledgment. 
I am very frustrated by the lack of action on XXXX XXXX XXXX.
Consumer complaint received 2018-04-23
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP (CA)

Yes, On XX/XX/XXXX, I sent a certified letter requesting a " qualified written request '' under the Federal Servicer Act, which is a part of the Real Estate Settlement Procedures Act, 12 U.S.C 2605 ( e ) to : U.S. BANK NATIONAL ASSOCIATION C/O XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX This is the address I was told to send my request. It has been more than 5 days and I have not received an Acknowledgement of my request for the Qualified Written Request. 

I have attached a copy of the letter that was sent to them and the receipt from the post office that they signed for the letter. 

I have also attached a copy of the Securitization Analysis Report dated XX/XX/XXXX. Please note that this is the 2nd time I have requested this information from US Bank and they have not complied. Thank you for your time and consideration. 

I have also attached a document that they used in Bankruptcy court that I did not sign. I would like for them to send me proof of evidence that I was actually in XXXX XXXX County in XX/XX/XXXX. I did not sign this document. This is Fraud.