davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-12
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BARCLAYS BANK DELAWARE (FL)

BRCLYSBANKDE ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you BRCLYSBANKDE or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : BRCLYSBANKDE or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX A SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX, XXXX, XXXX XXXX
Consumer complaint received 2015-12-29
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Fairfax Consolidated, LLC (GA)

I received a phone message on XXXX/XXXX/2015 from Fairfax services tel # XXXX. They asked that I return their call to XXXX. I googled the name of the company which I discovered is a debt collector. The message stated that they are looking for whomever is handling the affairs of a named relative of mine who has been deceased for thirteen years now. I am also aware that all that person 's debts were cancelled upon their death with all creditors. Therefore, I am shocked that someone is harassing relatives to collect on debts of a deceased person thirteen years later.
Consumer complaint received 2021-04-28
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. (NY)

i did submit a complaint to the CFPB abut a reporting issue, and bank responded '' Due to this error, all late charges assessed to the borrowers account have been waived and a correction was submitted to the credit repositories to reflect all payments have been " paid as agreed. '' We ask the borrower allow approximately 30 days for the update to be reflected on his credit report. '' and today, more then 50 days it still was not updated
Consumer complaint received 2018-03-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (GA)

Nelnet purchase my Loan from another company. When a company purchases a loan they are required to very that ALL details of the loan are valid. Nelnet did not validate the debt before purchase and violated FDCPA guidelines. Nelnet has been asked in CFPB complaints to verify debt by asking about the lack of reported information to CRA 's. Nelnet has never responded with verification of Debt following those allegations. Under 1692g ( b ), if a consumer notifies the debt collector in writing within thirty days of receiving the 1692g ( a ) notice that he disputes the debt or any portion of it, the debt collector must stop collecting the debt, or the disputed portion of the debt, and obtain verification of it and mail that verification to the consumer. This information has never been obtained from Nelnet. Nelnet has engaged in False or misleading representations, Other prohibited unfair practices as Debt collection agencies may not : collect an amount greater than what you owe. If they do not have validation of the debt and have not provided that it stands that the amount due can not be known. XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX , XXXX, -- - XXXX XXXX -- - ( XXXX Cir. 2014 ), 2014 WL XXXX ( XXXX Cir. XXXX 2014 ), XXXX XXXX XXXX. XXXX XXXX, the Sixth Circuit expanded the requirement for how a debt collector must respond to a debtors request for verification of a debt under the Fair Debt Collection Practices Act, 15 U.S.C. 1692 et seq. ( FDCPA )
Consumer complaint received 2016-11-03
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (NY)

Home Depot has charged off this account stating I have never paid. I have been paying the XXXX group since 2013 and would like for this negative information removed from all of my credit reports! I have attached the credit report along with the supporting documentation that I have been paying the XXXX group and have settled and will be payed in full XXXX XXXX.
Consumer complaint received 2022-09-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TRUIST FINANCIAL CORPORATION (TN)

I obtained a simple interest loan in XXXX with Regional. The first monthly payment was due XX/XX/XXXX in the amount of {$590.00}. I made the very first payment on XXXX XXXX in the amount of {$600.00}, I also made a verbally indicated separate principle onlypayment of {$50.00} on this same day., both by phone to agent. I received statement/ receipt notice dated XX/XX/2022. On this statement/ also receipt I received, as well as, online DOES NOT show nor provide COMPLETE ADDITIONAL payment breakdown nor allocation of excess payment. I then proceeded to call regional and spoke with first female representative expressing valid concern regarding additional principal payments not indicated on receipt. She proceeded to confirm the principal payment was applied to principal but in order for customer to have record of payments in itemized detail showing additional payments, the customer have to call in every month to request by way of a supervisor showing complete payment breakdown. My concern is that this company is intentionally not giving complete payment history nor allocation on their website or their receipt statements of consumers payment Consumers have to call in and request itemized payment history to show additional payments and allocation in its entirety per month from a member of management if they are available. My concern is that this is a huge billing deficiency within this company. The consumer shouldnt have to call to get a complete itemized payment history every month when this information should be indicated, included and legally shown on monthly statements and receipts as payments are made for consumer record keeping and to ensure no company billing errors as anything else consumers purchased, pay for or paid on. I respectfully request this issue to be investigated and amended that this company start reflecting what consumers are paying them in its entirety on line and on mailed receipts for consumers as well. One other main point I would like to make is that I spoke with a supervisor after initial rep and she couldnt even pull up the receipt/statement that they mailed to me dated XX/XX/XXXX on today XX/XX/XXXX in order to throughly go over what my concern was. Consumers should have in their possession as well the same itemized payment information on this as anything else they pay their hard earned money on or for. Regional is not providing complete monthly payment documentation to consumers ensuring accuracies and no calculation errors on their part especially when consumer is trying to pay loan off earlier than the contractual term.Also there are hundreds and hundreds of billing issue complaints against them and actual billing errors on their part.
Consumer complaint received 2022-02-16
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. (FL)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I received your response in my complaint # XXXX and Im the one who submitted a complaint on XX/XX/2022. This account ( XXXX XXXX  XXXX XXXX is reporting on my personal credit file with XXXX, TransUnion, XXXX ( Credit Reporting Agencies ). Reporting agency ( CRA ) is reporting inaccurate information on the listed account below ; Due to their errors in reporting Im reporting these violations. The first being with the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. And the second being the FCRA, which requires all reporting to be 100 % accurate. If the information is NOT 100 % accurate it must be deleted from the agencys report. The following information listed below is inaccurate. The credit reporting agency has not taken the correct steps to evaluate the information. I need you to please evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this account from my personal file ; XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-09-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
Those account are fraudulent please remove XXXX ACC # XXXX XXXX XXXX ACC # XXXX XXXX XXXX XXXX XXXX ACC # XXXX XXXX XXXX XXXX ACC # XXXX XXXX XXXX XXXX ACC # XXXX XXXX XXXX XXXX ACC # XXXX NOT MY IQUIRE XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blocking fraudulent information from appearing in victims ' credit reports Please let me know if you need any other information from me to block this information on my credit report. 
If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 

Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2022-08-09
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Great American Finance Co (FL)

My billing is incorrect I have notified them almost monthly. This is a furniture finance and It has promotions that excludes interest if paid by promotion dates I have paid all of the promotions by the date due to have them closed but there is one for XXXX that was paid and I am getting billing stating that it has not been paid and it's past due which isn't true The rep/sup XXXX threatened me and said that if I didn't pay today I would lose my promotion I attempted to inform him that the bill is incorrect and I needed it to be corrected prior to payment to ensure I am paying correct amount. I am willing to pay what I owe and nothing else To have manager call me to resolve billing issues send an accurate bill and remove all or any late fees
Consumer complaint received 2021-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

i did submit a complaint to the CFPB abut a reporting issue, and bank responded '' Due to this error, all late charges assessed to the borrowers account have been waived and a correction was submitted to the credit repositories to reflect all payments have been " paid as agreed. '' We ask the borrower allow approximately 30 days for the update to be reflected on his credit report. '' and today, more then 50 days it still was not updated
Consumer complaint received 2015-07-31
Product: Mortgage — Home equity loan or line of credit
Issue: Settlement process and costs — 
Company: U.S. BANCORP (OH)

In a recently closed refinance, the lender ( US Bank ) disbursed roughly 23 % less funds than the final HUD lists in box XXXX ( Total Disbursements to Borrower ). I called US Bank as soon as I saw the shortage of disbursed funds and their explanation was that the it was noticed after the loan closing and signing that the originator obtained an incorrect payoff amount and I should understand that human error happens. The change in structure of the financing took place after all final documents were signed, the changes were not disclosed to me, and I was not given an opportunity to exercise my right to cancel if the changes would have been disclosed to me.
Consumer complaint received 2016-03-29
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

I requested a modification to Select portfolio on XX/XX/2016 attached you will find out the application with the supporting document but they had me in a dual track and now they said they do not have any application at all and had my home in foreclosure I had a complaint throe ambundsam consumer and i had no response at all over the pone they said that i will be receiving a payment plan and today they said there is nothing on file and there is no record of calls this company is been doing this to me fore the last 3 years and do not care about home owners bill of rights a list to review my financial information to have the opportunity to safe my home this collection agency refuses to validate the debt i need your help to save my home
Consumer complaint received 2017-02-06
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

We got XXXX XXXX tax forms from HFC with XXXX sets of numbers, I called HFC and they told me that their company has sold all their mortgages to a company called XXXX XXXX. so I explained that I should call this company they proceded to tell me that they have n't received any paperwork from HFC that we would have to wait at least 3 weeks or so I explained that we were doing our taxes because we were going XXXX and needed to get them done, he said that wasent their problem, I explained that I spoke to the IRS and they told me to send in our taxes and I explained that if we were audited that they would be responsible because this is what the IRS told me to tell them the gentleman from XXXX XXXX told me to get a lawyer.he was very nasty.When we got a mortgage loan in XXXX from HFC they took out XXXX for our loan payment everyweek through XXXX.they told us if we pd weekly that we could pay the loan off much quicker, then we purchased a new vehicle in XXXX XXXX and financed that loan through XXXX in which HFC ended buying them out then HFC bought out XXXX out.So that is how HFC ended up with our car loan.We did not know this until we went to sell the vehicle that HFC had purchased XXXX, but HFC did not keep the accounts separate they added the car loan as a remortgage, So that is why they still have us owing XXXX for a house mortgage.Then this past XXXX they added XXXX XXXX XXXX to the same loan for taxes, we always have paid our own taxes, we did n't have escrow.They ended up paying somebody elses taxes and added it to our loan.The family that they pthey said they paid the taxes paid their own taxes, they are n't even mortgaged through HFC.This has been going on for years.I am about ready to stop all paynents to this company.They have scammed people over and over, Thant is why they are probably going out of business.We are about ready to get an attorney.I asked for the document from XXXX to now I got the documents for every month except the month of XXXX XXXX those are the documents I asked for and have asked for for years and they have n't sent them.Everything I have faxed to them they said they never received them.
Consumer complaint received 2016-12-07
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL (WA)

Wall Mart credit card Wil not allow a payment made XX/XX/XXXX16 to be credited to XX/XX/XXXX16. I have talked with customer service when this problem happened in XXXX. Wall Mart does n't disclose hat the cutoff date for billing month is. Last month it was the XXXX. It changed this month and customer service wallmart credit card wo n't allow a payment made XX/XX/XXXX16 tone credited to XX/XX/XXXX16 due date. My name is XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX XXXX Card # in dispute XXXX XXXX XXXX
Consumer complaint received 2015-10-27
Product: Credit card — 
Issue: Other fee — 
Company: SYNCHRONY FINANCIAL (OH)

My dog had to undergo emergency surgery last year. To finance it, I opened up their recommended CareCredit account with Synchony bank - first year 0 % financing. I made my payments throughtout the year, realizing that I needed to do something with the remaining XXXX balance now. I pulled up account - they just added a XXXX interest charge!! I realize that this is probably in their fine print, but this is grossly taking advantage of people who can least afford it at a time when we can least afford it. I 'm good for my debts, but this is ridiculous.
Consumer complaint received 2015-08-20
Product: Other financial service — Debt settlement
Issue: Fraud or scam — 
Company: GLOBAL CLIENT SOLUTIONS, LLC (SC)

I paid Global Client Solutions to help me with my debt, they took my money and did n't contact my creditors, I still have the receipt from the XXXX XXXX XXXX from XXXX XXXX, 2008. I am out of pocket {$720.00}. How do I get my money back with interest? 
XXXX XXXX lived in XXXX XXXX at the time of this XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2015-10-04
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Finance of America Mortgage LLC (ME)

In short : I 've been bait-and-switched by e-rates mortgage. 
I applied for a mortgage refinance with e-rates in XXXX and was offered a XXXX rate. I was told in XXXX that the only pending matters were final balances and an appraisal. On XXXX XXXX I received a refund on my credit card from an appraisal company, with no word from e-rates. I tried to reach the XXXX people I had worked with, by email and by phone, and neither returned my call until I left a voice message saying I would being going to regulators. I received a Tuesday call but when I had heard nothing by Thursday, I posted on the XXXX page of XXXX, through which I first had contacted e-rates. Although XXXX promises to " act as ombudsman '' on all loan through its site, there is zero contact information on its site. Since then I have received a " not-to-worry '' email from XXXX and a call from e-rates offering me " market rate, '' which is currently .1+ percent higher than I was quoted in XXXX. If this is not a bait and switch, I 'll eat my XXXX XXXX diploma. Thanks for your help in shutting down scammers, of which I know this is hardly the worst -- but I bet they 're making a big cash in at the margins.
Consumer complaint received 2019-02-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HCFS Healthcare Financial Services of TeamHealth (IL)

I paid XXXX XXXX XXXX   HRRG on XX/XX/2018 a medical debt which I had disputed. I felt like it was easier to just pay them. However, the debt collection calls have continued. On average, I receive 4 calls a day from XXXXHRRG. I contacted XXXX. They confirmed that the debt is paid-off. Every time I talk with them, they tell me that the calls will stop and I would be removed from the call list. However, the harassment has continued for over two months. Some of the recent calls came from : ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX. The HHRG is an alias for XXXX  XXXX XXXX. The HRRG website is hosted on the same webserver as XXXX. HRRG and XXXX both operate from XXXX, FL and XXXX, OH. 

I confirmed on XX/XX/XXXX that the HRRGXXXX  debt was paid during two separate calls. I was told that it would be updated and the calls would stop. However the calls continue to persist daily at all times.