davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (TX)

IC Systems has violated my consumer rights by continuing to furnish data to the consumer reporting agencies regarding an alleged debt as if they are the original creditor. They are violating federal law USC 1692e. They are falsely reporting information to the credit bureaus for an alleged debt not owed to ic systems.ic systems placed a collection on my consumer credit report without following the proper procedures and they are in VIOLATION of the following federal laws : 15 USC 1692G-I never received an initial communication from this debt collection company about the alleged debt or the ORIGINAL CREDITOR. I demand this debt to be removed from their system and from the credit bureaus systems immediately. The term creditor means any person who offers or extends credit creating a debt or to whom a debt is owed, but such term does not include any person to the extent that he receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another. 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 2020-06-21
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 (CA)

The American Express Gold has an annual {$100.00} travel credit. I used the {$100.00} travel credit on several different XXXX XXXX reservations to pay for taxes and fees and was reimbursed by American Express ( I received statement credits totaling {$100.00} for the taxes and fees that I paid with my Gold card between XXXX and XXXX ). I was unable to travel at the time and had to cancel those reservations and received refunds from XXXX XXXX. Last week after I cancelled the Gold card American Express billed me for the {$100.00} in statement credits that I received and claimed after the fact that because the flights were cancelled that I should not have been eligible to receive the statement credits from them. I have it in writing from American Express that any refunds from XXXX would automatically reduce my statement balance without mentioning anything about the credits being clawed back.
Consumer complaint received 2016-07-26
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (NJ)

I am reaching out for help. My mortgage payment adjusted in XXXX of this year and increased by over {$1300.00} per month. I can not afford this payment and requested a modification from my mortgage servicer. They told me I did not qualify because my account was not delinquent. I can not refinance as my house is worth far less than I owe, and my loan is not owned by XXXX or XXXX XXXX so I do not qualify for the HARP program. I am stuck, I can not refinance and do n't feel that I should ruin my credit rating to seek relief from my mortgage servicer? Please help.
Consumer complaint received 2017-05-19
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (TX)

XXXX    XXXX  , I sent a debt valida tion letter to Hunter Warfield. They responded to my  validation letter within the same month. They provided a lease with a signature and a final statement from the original creditor. I responded to their verification disputing several inaccuracies with the account. The letter that I sent them was dated  XXXX   XXXX ,   XXXX  . I waited a full  thirty days ( plus additional days ) before  I sent them another letter which was dated  XXXX   XXXX ,   XXXX  . The problem is that they are reporting I owe them  XXXX  dollars. I 've reviewed the lease, and there is n't a statement that authorizes them to attach additional fees. Furthermore, on the lease it 's stated {$850.00} was the rent. However, on the final statement it is listed as {$1000.00}. The lease stated there was n't a security deposit paid, however there was a security deposit paid to the original creditor. There is a lot of charges that does n't make any sense whatsoever. According to the FDCPA and FCRA, the company should have responded to my request for an investigation within 30 days. It has been well over that timeframe and all three of my credit reports are still reflecting the same information. Additionally, on my  XXXX  report, they are reporting ter ms ( 1month  ). Every month they have been reporting a payment history claiming that my account was charged-off and past due. I 've never made a payment to this company. I 've never signed an agreement with this company agreeing to pay them.
Consumer complaint received 2023-03-29
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: AVANTE (NY)

On my XXXX report, there is a medical collection from Avante USA, I called & this was not me I'm a victim of identity theft, debtor is a doctor in XXXX & I've never even been to that state & furthermore, I have health insurance... I disputed it with XXXX XXXX and it came back as " ACCURATE '' however, it is not accurate. I am willing to go file a police report or take whatever steps necessary to get this. Removed off my credit report immediately or I will file litigation.
Consumer complaint received 2023-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Sezzle Inc. (TX)

I reached out to Sezzle in regards to making the account current or sending out a payment arrangement before any 30 day late issue. I explained my XXXX XXXX  and what my objective was to keep the account in good standing. My email as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Overall, I have worked significantly less. Financial setback has only allowed me to pay bills related to living expense & food. 

I am not sure what a reactivation fee amount is on top of a late fee. Could you please give detail what each one costs? 

Lastly, I will make my payment when financially feasible and within a timely manner. 


Their response : XXXX ( Sezzle Shopper Support ) XX/XX/2023, XXXX XXXX  XXXX XXXX, Thank you for reaching out to Sezzle shopper support! We know that life is unexpected, and sometimes difficult circumstances arise that make it straining for individuals or families to make payments. Here at Sezzle, we want to do what we can to empower all our shoppers to make sound financial decisions. 

So, to allow time for you to focus your energy on what is most important, I have rescheduled all your payments by 4 weeks from their previous due dates. Please be sure to review and confirm the new due dates on your account.

Last day today I received a hit on my credit after this movement by the company for four weeks out. I received a 30 day late payment on XXXX XXXX, XXXX and XXXX. this was never discussed, the company made this moment on their own out of courtesy. However, this is change couldve been made for a sooner date than 30 days as I was not advised, this would still be reported. This moment with per the company. If they are considering helping customers, this invited them if they enter in agreement or they are courtesy, moved four weeks out that this could still affect their credit. In reality this moment nothing to benefit or help me during these trying times.
Consumer complaint received 2019-12-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA (NY)

Have been trying to figure out how my loan payment went up and my income went down {$10000.00}. Was told they can not give me the income amount they based my monthly loan payment on because its a rule from the department of education. makes no sense at all. they verify over the phone all my personal information etc. so why are they not telling me what they based my payment on. I also tried loan forgiveness due to XXXX university holding my degree for 8 months and by the time they released it i was too old to get a job in the field i had a degree in. It was XXXX  mistake and i even have an email stating that it was and how sorry they were. How is loan forgiveness supposed to work when the people who decide are saying no because they are the ones getting our money. makes no sense at all.
Consumer complaint received 2023-03-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (NC)

Paypal.com issues customers credit through Synchrony Bank. As a customer, when I log into Paypal.com and select the option " make a payment '', I am redirected to the Synchrony.com platform to make a payment.

However, during the past " few '' ( this has been ongoing for several weeks and possibly months ) weeks, neither paypal.com website NOR synchrony bank website appear to be working properly to allow customers to make payments. 

Refer to " XXXX '' website to see additional customers experiencing the same problem : XXXX XXXX XXXX I have contacted Paypal.com customer service numerous times and filed a complaint. However, there is no resolution or response. Synchrony Bank does not appear to be responding to customer complaints and there is no communication being issued to address this matter. 

Bottom line : I am unable to use their platforms to pay my bill.
Consumer complaint received 2022-01-05
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

I am reaching out after numerous requests in regard to the Fair Credit Reporting Act. On XX/XX/2021, I filed a dispute asking for the original signed contract. On XX/XX/2021, I sent a 30-Day Demand letter asking for the original signed contract after 45 days of my initial dispute. I received a statement listing the charges and a copy of my original contract. This is not what I originally requested. I requested the original signed contract. Furthermore, the letter also stated that this was an attempt to collect a debt. This is also a violation as well. If you can not provide the original signed contract, please delete this account. This alleged debt does not belong to me. After this step, I will be filing for ligitation.
Consumer complaint received 2020-06-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

CAPITAL ONE BANK USA sold my debt to XXXX XXXX XXXX. I paid XXXX XXXX XXXX and I was told that XXXX XXXX XXXX sent CAPITAL ONE BANK USA notice that the debt was paid. 

I have continuously disputed this with all three Credit Bureaus and each time CAPITAL ONE BANK USA replies, they continue to update that the amount is owed to them. I am attaching the letter from XXXX XXXX XXXX as evidence that the debt is paid.
Consumer complaint received 2015-06-05
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A. (TX)

Initially, I purchased my home in XXXX, in XXXX my home was mortgaged with CitiMortgage at an 8.5 % interest rate. XXXX, XXXX, I applied for a modification to lower my interest rates, only. XXXX, XXXX, I suddenly lost my job after XXXX years and XXXX months with the same company, ( XXXX XXXX XXXX XXXX ). I panicked and mistakenly told CitiMortgage about my release, but I assured them I had comfortable savings account, interest from my IRA, unemployment and spousal support incomes. CitiMortgage accepted my monthly payments until XXXX, XXXX when they returned my check and XXXX, XXXX put my home in foreclosure. XXXX, XXXX, I went to XXXX. XXXX, XXXX, CitiMortgage resumed my mortgage loan for {$6400.00}, 20 years at 8.5 % interest rates. I returned from XXXX XXXX, XXXX. Citi Mortgage has falsified my credit report, quoting my last payment before foreclosure was XXXX, XXXX. I have bank statements of payments thru XXXX, XXXX. XXXX, XXXX CitiMortgage transferred my loan to XXXX XXXX XXXX. I have credit reports where I made monthly payments and there were no deductions from my principal balance. CitiMortgage has ruined my credit and refuse to make corrections. XXXX, XXXX, I had a XXXX Credit score and if they had left my loan as it was I would have paid it off when I went to XXXX. I want to file a lawsuit against CitiMortgage for {$200000.00} to payoff my home and the stress and discomforts CitiMortgage has inflicted upon me.
Consumer complaint received 2017-05-19
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: EZCORP, INC. (CO)

on  XXXX  I RECEIVED A CALL FROM  XXXX  AT  XXXX   XXXX . A MESSAGE WAS LEFT STATING THAT I NEEDED TO CALL BACK TO RESOLVE A MATTER OR ELSE MY CASE WOULD BE FORWARDED FOR PROSECUTION AND I WOULD BE ARRESTED. I RETURNED THE CALL AT  XXXX    XXXX   AND SPOKE WITH  XXXX . SHE SAID THEY WERE A PRIVATE AGENCY WORKING FOR A LAW FIRM, ANSWERED THE PHONE AT OFFICE OF INVESTIGATIONS. SHE REFUSED TO PROVIDE THE NAME OF THEIR AGENCY OR THEIR ADDRESS. SHE SAID IF I DID N'T PAY A {$700.00} DEBT TODAY THAT THEY WERE FORWARDING MY CASE FOR PROSECUTION AND I WOULD BE ARRESTED AND BASED ON COLORADO LAW I WOULD BE SERVING  3 t o 5 YEARS IN JAIL PLUS A {$5000.00} FINE. I CALLED BACK MULTIPLE TIMES TO GET A STATEMENT SENT TO ME AND TO GET THE NAME AND ADDRESS OF THEIR COMPANY. I WAS HUNG UP ON, FORWARDED TO A GENERIC OUTGOING VOICE MAIL, OR PUT ON HOLD FOR OVE R 20 MIN UTES UNTIL I HUNG UP AND CALLED BACK. WHEN I ASKED FOR THE ADDRESS I WAS TOLD " NO '' AND TO HAVE A GOOD REST OF MY LIFE. '' THEY HAVE CALLED SEVERAL MEMBERS OF MY FAMILY ALSO TELLING THEM THAT I WILL BE ARRESTED FOR BANK FRAUD IF I DO N'T PAY THE DEBT IMMEDIATELY.
Consumer complaint received 2019-12-06
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. (IL)

I've reached out to XXXX XXXX  on two separate occasions requesting lawful information under the Fair Credit Billing act. All letters were sent via priority mail with tracking. All requests were received by XXXX 'S Credit Dept, yet ignored. These are clear violations of the Fair Credit Billing Act. The interesting part is that I've disputed this account with all three credit bureaus on multiple occasions and the bureaus " claim '' that XXXX XXXX  responds to them and verifies the account. It's become very clear that the information I'm requesting no longer exist with XXXX XXXX. 

After sending letters to the original creditor and not getting a response I decided to dispute it with XXXX, Equifax and XXXX. I've even sent them a copy of the letters sent to XXXX XXXX and asked them to remove the data but they have also ignored my request. The bureaus can clearly see that I've put forth effort to reach the original creditor for verification/documentation but they decide to leave it on my credit file. The bureaus are violating the FCRA by allowing this data unverified data to be reported. 

I've attached all correspondence sent to XXXX XXXX, including my most recent letter dated XX/XX/2019 which is being mailed out today. Delivery confirmation of previous letters is also attached.
Consumer complaint received 2022-01-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AmerAssist A/R Solutions, Inc. (NJ)

On the XXXX of XXXX I consumer XXXX wrote a letter to company Amerassist AR Solutions to validate an alleged debt of {$1300.00} that appeared on my all my consumer reports certified mail via USPS on tracking number XXXX XXXX XXXX XXXX XXXX. The company replied with a copy of a contract from XXXX. First, I'd like to know who gave XXXX the permission to share sensitive information with a third party company like Amerassist? Under what law did company Amerassist gain the right to collect on this alleged debt? Where are the validation information requested pursuant to 15 USC 1692g per my request over two months ago? In addition I submitted a Cease and Desist request pursuant to 15 USC 1692c ( c ) demanding that they cease all forms of communication with me through any and all mediums but yet I see that the company is reporting unvalidated negative remarks on my consumer reports. That is a form of indirect communication and they have violated my rights under the Fair Debt Collection Practices Act. 

I have attached the letter sent to Amerassist over 60 days ago on USPS tracking number XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2019-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Received unwanted marketing or advertising
Company: ClearPath Lending (CO)

XXXX Called & spoke to XXXX in XXXX , CA after receiving another unsolicited letter about a VA home mortgage loan. I asked him to remove us from their call & mail listings ; he promised he would. Called XXXX. 
XXXX & spoke to XXXX in XXXX, CA after receiving yet another unsolicited letter about a VA home mortgage loan. She promised she would remove us immediately. Called XXXX. 
XXXX another unsolicited VA letter as above ; called and spoke to XXXX XXXX, also in XXXX, CA, who also promised to remove us from ALL phone and mail solicitation lists. Called XXXX. 
XXXX another unsolicited VA letter ; didn't call ; sick. 
XXXX another unsolicited VA letter ; called and spoke to XXXX in XXXX, CA. She said she " didn't work for the company ; just handles the phone ... '' She was going to leave a message for Clear Path to remove us from the call & mailing lists. ( This just goes on and on and on ... ... it never STOPS!!!!! ) XXXX-Filed a complaint with the XXXX XXXX XXXX of XXXX, AZ ( # XXXX ) against Clear Path Lending for unsolicited harassing marketing practices ( as demonstrated above ). 
11/26/19-Got an unsolicited letter from XXXX XXXX, a partner of Clear Path Lending ; spoke to XXXX XXXX. He promised to remove us from his email/mail/call lists and gave me your information to file a formal complaint against Clear Path Lending to halt ALL marketing from them IMMEDIATELY FOREVER! 
XXXX-Got another unsolicited letter from Clear Path Lending for a VA loan ... can you believe it???? Yep! Still coming ... .It 's like a curse ... ..I will call them at XXXX and tell them that I have now filed a formal complaint with the CFPB against them for bad marketing practices and they had better stop and desist ever sending us any more mail immediately.
Consumer complaint received 2017-02-21
Product: Debt collection — Medical
Issue: Communication tactics — Called after sent written cease of comm
Company: JP RECOVERY SERVICES, INC. (OH)

I have already filed one case against them ( XXXX ) to which they responded and said it is n't them. I have video recordings of the voice call to show their number. They have since changed their number and are calling and harassing me at work again.
Consumer complaint received 2017-03-29
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: GLA Collection Company, Inc. (KY)

Submitted settlement offer letters paying GLA Collections the full balance of my collection accounts totaling up to {$380.00} on XXXX. Received a call today stating that they would not accept the payments due to not being the full amount, although those were the total balances reporting to my credit report. Followed up with a supervisor who then told me the actual amount has increased to XXXX dollars in full. He also told me submitting a total of {$620.00} would settle the accounts although he just stated they do not take settlements. My credit report that was pulled on XXXX/2016 is reporting separate balances of {$150.00}, {$110.00}, {$56.00}, and {$56.00}. In the settlement offer letter submitted i stated if they do not accept the payment to submit the money orders/payments directly to me which they have not done. Please advise.
Consumer complaint received 2017-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (GA)

I have an account with  XXXX   XXXX  that was paid and closed in  XXXX . For some reason, they started reporting the account again in  XXXX , even though it was paid off in  XXXX , and the account closed. Both Equifax and   XXXX   are still reporting the account.  XXXX  says it will stay on reporting until  XXXX . This account should be gone from my records.
Consumer complaint received 2020-04-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (IL)

I previously closed Chase account in XX/XX/XXXX but it had to be re-opened due to Chase 's error and needed to deposit Cashier 's Check and wait for it to clear per XXXX, Chase XXXX, IL Banker. 

I AM BEING IGNORED AND CHASE DOES NOT CARE. 
On XX/XX/XXXX I called Fraud re : below and XXXX in Chase Fraud Dept. refused to place Frauds but transferred me to disputes and I held over an hour with no answer. 

On XX/XX/XXXX I called and tried to place Disputes and the Chase Customer Service agent kept clicking loudly and refused to allow me to place disputes. 

On XX/XX/XXXX I emailed XXXX XXXX, Chase XXXX XXXX Banker the below : Also received Letter that Cath match {$23.00} IS PERMANENT ( Chase letter attached ) and there is a withdrawal when I DO NOT HAVE OVERDRAFT PROTECTION And I only at at XXXX twice but there are 7 charges for {$6.00} some more than once a day. {$6.00} X 5 is {$32.00}. 
{$23.00} {$32.00}. 
is {$56.00} {$280.00} XXXX XXXX {$49.00} XXXX {$12.00} Bank Fee Increased ALTHOUGH NO OVERDRAFT PROTECTION {$5.00} Lot XXXX XX/XX/XXXX {$37.00} is Not mine-There is a Withdrawal slip Not in my writing. 
Total : {$400.00} Credit due Me. 
Please credit my account and advise.
Consumer complaint received 2017-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC (CA)

I incurred a charge off account with  XXXX , it was turned over to collections to JeffCAPSYS.This account is showing on my credit report as being open, it was closed  in  XXXX .This company is adding interest in to this account, to increase the amount on my credit report to furth er damage my  credit score. T he beginning balance was approx. {$410.00}, they have increased it to {$590.00}, and added another {$48.00} to it recently.   I have filed a complaint with  XXXX , and nothing has been done.