davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Midwest Recovery Systems (KS)

I would like to make a complaint against Midwest Recovery Systems, XXXX with an address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mo XXXX which had a 1st delinquency reported on XX/XX/XXXX with an alleged balance as of XX/XX/XXXX of {$1900.00} and the original creditor was XXXX XXXX. This account needs deleted under title 15 u.s.c. 1681 ( i ) since they have violated the FCRA and FDCPA according to the following codes. The Kansas statute is K.S.A. 60-511 ( 1 ) Actions Limited to Five Years and K.S.A. 60-512 ( 1 ) Actions Limited to Three years for the collection agencies. Statute of limitations was up on this account on XX/XX/XXXX which was five years from the first date of delinquency and Midwest Recovery has now violated the FCRA and FDCPA and the following violations : 1. Creditors or collection agencies if they try and re-age the account violates FCRA Section 605 ( c ) Running of the reporting period and re-aging the account by re-aging the account by updating the date of last activity on your credit report in the hopes of keeping negative information on your account longer and this a fine of {$1000.00}. 
2. Creditors if they report your credit history inaccurately and the fine is extent of damages incurred by the wronged party as deemed by the courts. US Court of appeals, XXXX circuit, NO. XXXX, XXXX vs. XXXX XXXX. 
3. Midwest Recovery Systems also violated Protection under the FDCPA because misrepresentations by the collector about themselves or the debt are actionable regardless of intent and the following case law of XXXX XXXX. XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX ) support this. This is also a fine of {$1000.00}. 
4. Midwest Recovery Systems also violated FDCPA Section 809 ( b ) because they have never validated the debt I have disputed after the date of XX/XX/XXXX and this is a fine of {$1000.00}. 
6. Midwest Recovery Systems also violated FDCPA Section 806 because the collection agency can not use any kind of harassment or abuse and he has abused me and my credit by reporting negative and inaccurate information on my credit report and this is also another {$1000.00} fine. 
7. Collection agencies if they do not validate your debt yet continue to pursue collection activity and this is a violation of FDCPA Section 809 ( b ) and a {$1000.00} fine.
Consumer complaint received 2022-08-14
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: Experian Information Solutions Inc. (AZ)

I've been a victim of identity theft and I'm suffering from punitive damages. I've mailed letters to all three bureaus Experian, XXXX and XXXX and the companies but and still haven't been removed. All the accounts listed are fraudulent and need to be removed! XXXX XXXX XXXX  {$25000.00} XXXX XXXX XXXX XXXX {$26000.00} XXXX XXXX XXXX {$33000.00} XXXX XXXX XXXX XXXX {$44000.00} XXXX XXXX XXXX XXXX {$29000.00}
Consumer complaint received 2020-05-15
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Real Time Group, Inc. (CA)

Real Time Resolutions LN XXXX XXXX XXXX XXXX XXXX XXXX , XXXX CA XXXX Real Time Resolutions has agreed to a settlement and even accepted funds for a payoff of this account yet will not record a reconveyance. Real Time Resolutions received the funds and required documents on XX/XX//20. The reconveyance was never completed. We have called Real Time Resolutions several times since then and they claim the issue has been escalated, but to date nothing has been done at all. No one in their escalations department has responded. Our multiple voicemails have gone unanswered. 


A reconveyance takes no more than 1 week to complete and record. Its been almost three months. I understand the impact COVID-19 has had, however, the reset of the real estate industry has figured out a way to move forward, as have the rest of the servicers. Real Time Resolutions received the funds and closing documents several weeks prior to the shutdown this should have been recorded well before the shutdown. -- -- -- At this point I can only believe that you intended to defraud your client from the beginning and had no intention of following the terms of your settlement. 

I have attached a copy of the settlement. I am requesting the reconveyance to be recorded without further delay.
Consumer complaint received 2024-02-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (IA)

In Fall of XXXX, I enrolled in law school at the XXXX XXXX XXXX I held previous student loans from XXXX that were coming due for repayment in XX/XX/XXXX. Prior to repayment beginning on XX/XX/XXXX, I submitted a request for the SAVE Plan and requested to be taken out of in-school deferment. The reason for this request is that, due to my low income, under SAVE my monthly payments would be {$0.00} and my interest would not accrue because of the {$0.00} qualifying payments. 

Despite my timely application, MOHELA did not process my request until late XX/XX/XXXX. The message stated that my request to be taken out of deferment would take effect in XXXX. This means that I accrued hundreds of dollars in interest for XXXX that I otherwise should not have had to pay under SAVE. 

In XX/XX/XXXX, I was immediately told that I was put back into in-school deferment. This means that, to date, I have never received the benefit of the SAVE plan AND I was told I had to resubmit the application for SAVE again and it would take 60+ days to process. This essentially means I'll have to repeat the same process again throughout my time in school and I will be charged exorbitant amounts of interest that I shouldn't have to pay, since I'm eligible for the SAVE plan. 

I have called numerous times and am always transferred to a supervisor. Once this happens, I either face several hour long wait times and nobody ever answers, or I get sent straight to voicemail. 

MOHELA refuses to waive my interest fees from XXXX despite the fact that I shouldn't owe them under SAVE. They also sent me a bill saying I owe $ XXXX now, but my payment should be {$0.00}. I get transferred and can never get anyone on the phone to help me adjust my monthly payment, and they even said when they tried to adjust it, the system says I am not eligible for SAVE.

Every agent tells me something different, I am accruing thousands of dollars in debt due to their negligence, and nobody will assist me. I have been trying since XXXX. It is clear that they do not know what they are doing and I will be financially harmed if this continues.
Consumer complaint received 2020-07-05
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (UT)

I have a Banana Republic Card through Syncrony Bank that I rarely use. I recently paid the bill in full but making the payment was almost impossible. I tried to pay it online but it would not let me login. I tried to recover my account information online, it would not let me do that. I then had to call to make the payment after trying to pay online for several days. I made the payment in full and the amount was applied in time to the account however I am not being charged yet another bill though the last payment was made in full. I can not login online to recover my account and view my bill and the IVR system has made it extremely difficult to recover my account when I call.
Consumer complaint received 2020-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MD)

THE DISPUTED BANKRUPTICIES HAS BEEN DISCHARGED IN THE COURT OF LAW AND NO CREDITORS ARE ALLOWED TO REPORT DISCHARGE CASES. THOSE BANKRUPTICES HAVE BEEN HURTING MY CREDIT AND HAS PREVENTED ME FROM ACQUIRING NEW CREDIT, IT HAS BEEN TOUGH BECAUSE THERES SO MUCH THAT I AM TRYING TO ACCOMPLISH FOR MY BUSINESS AND DUE TO THE NEGATIVE ITEMS AND INACCURATE REPORTINGS IT HAS HOLD ME BACK FROM DOING THAT. PLEASE INVESTIGATE THIS AND HAVE ALL THE DISPUTED ITEMS REMOVE. PLEASE SEE THE ATTACHED PAPERWORK FOR THE DISCHARGE INFORMATION.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NV)

equifax has been getting letters that i have sent via us mail and now that they have internal blocked my porfile i can not access it from any third party company such as XXXX  since i have a membership with them and i dont find it right for me to pay XXXX  when equifax has my information blocked and i cant refresh my report since i have been a vitem of identy theift for several years now this is very complicatied and getting really annoying dealing with these scams so called credit buears i need this resolved asap
Consumer complaint received 2022-08-14
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NH)

I was affected by the Tornado that struck my place of employment ( XXXX ), which resulted in financial hardship and caused late payments. XXXX : XXXX Please remove these late payments from my account due to natural disaster.
Consumer complaint received 2016-09-01
Product: Prepaid card — Gift or merchant card
Issue: Unauthorized transactions/trans. issues — 
Company: CITIBANK, N.A. (MN)

I received a prepaid debit card from XXXX and issued by Citi. The card was loaded with a predetermined amount, and specifically states that you can not reload the card or obtain more funds than are listed on the card. The card now has a negative balance. I contacted Citi by phone to determine how this is possible given their rules and that it really should be impossible for such a thing to happen. They stated that I had tried to make a purchase greater than the amount on the card and that it was approved due to a glitch or lack of a mechanism in place by the merchant to check for available balance. Now, I am told that I may be subject to undisclosed fees or debt collection if I do not submit a money order or cashier 's check to an address provided to me by customer service. I 'm told that I 'll just have to wait to be contacted by the " risk department '' and they ca n't tell me if the debit balance will be turned over to a collection agency or what, if any fees may be applied to the debit balance while I am waiting to receive a request, in writing, that explains how to deal with this matter. I think that the burden here lies with Citi. They should have had a mechanism in place to ensure that a transaction greater than the card balance would have been declined. This is a poor and murky business practice that places undue burden upon the consumer. I would like to be contacted by someone at Citi and to be provided with a written explanation of how to resolve this matter in a timely manner.
Consumer complaint received 2022-08-14
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NH)

I was affected by the Tornado that struck my place of employment ( XXXX ), which resulted in financial hardship and caused late payments. XXXX XXXX XXXX Please remove these late payments from my account due to natural disaster.
Consumer complaint received 2024-05-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Freedom Mortgage Company (LA)

Freedom Mortgage began the foreclosure proceedings after receiving the Louisiana HAF payment. They applied the payment late, as the payment was remitted in XXXX of XXXX, and they applied the funds in XX/XX/XXXX. They then sent notice that they would not be foreclosing. The HAF program told us that we were to have a loan modification, but Freedom never sent one. They only sent vague loss migration documents that were from a part of their company thats no longer licensed. On XX/XX/XXXX, we received a letter from XXXX XXXX, XXXX as counsel for Freedom Mortgage Corporation, acting as debt collector, seeking to validate the debt of arrears. I sent an email through the response portal to XXXX XXXX, and on XX/XX/XXXX, they had already submitted a request for Executory Foreclosure. This was signed by the judge on XX/XX/XXXX. Their proof in filing was an along to the promissory note, endorsed by the loan originator ( who is listed as lender and nominee for XXXX  ), and the mortgage. I sent a Respa request through their counsel for proof of loan ( as they are stating we have a USDA loan and its been confirmed repeatedly that we do not, by the USDA themselves ), and for a full accounting from loan inception, including canceled checks, payments to whomever holds the loan, etc. We received a letter/packet at the end of XXXX stating that the loan was USDA ( again, it isnt ) and that it is in a XXXX XXXX XXXX XXXX Freedom claims to remit payment to XXXX XXXX and that XXXX XXXX then disperses payments to investors. XXXX has told us repeatedly that they do NOT do this. Freedom refuses to provide us with the servicing contract for XXXX XXXX, or provide any type of identification to validate that the loan is actually in a XXXX XXXX pool. XXXX XXXX provides consumers with an account set up and tools to search for their loans in the pools. You need the identifiers, such as pool ID or XXXX. In accordance with the XXXX  migration that Freedom provided us the last time we lodged a complaint against them, XXXX XXXX closed the loan and took full possession of it on XX/XX/XXXX. This was due to a deficiency or defect that the originator was to have fixed. If they did not, and they didnt, then the loan was considered in default on the part of the LENDER and the LENDER was responsible for repayment to XXXX.we, the borrowers, we NO longer responsible for remittance. Freedom Mortgage did NOT notify us, and continued to take our payments and steal our money. They are now demanding that the writ and seizure be served upon us. We need help and no lawyer will take this because its too large, and we dont have the money. Freedom Mortgage is once again in contempt of court orders from CFPB!!!
Consumer complaint received 2022-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

Went to go buy a truck told salesman i was already pre approved through XXXX  XXXX XXXX didnot know he ran my credit through 4 different credit sites until weeks later when I looked at my credit report
Consumer complaint received 2015-08-18
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: FIDELITY CAPITAL HOLDINGS, INC (CA)

I was hit by a car in XXXX of 2013 and taken way via XXXX. There was a pending ambulance bill that my insurance provider ( XXXX ) was supposed to handle that was not known until months after the incident. I was able to get XXXX on the phone with Fidelity Creditor Service and I thought the pending amount of {$2000.00} was taken care of. What I did n't know was that there was an additional {$570.00} leftover. After two years now, I realize that there is a pending bill to Fidelity of {$900.00}. I was never informed about the balance due. There was no effort on their behalf to contact me. I lived at the address they had on file for a year after the incident and I never received another letter, phone call, or email from them. 

I spoke with XXXX XXXX at Fidelity prior to speaking with XXXX and was never told that the {$900.00} was including the interest on the {$500.00} bill. After back and forth with XXXX and XXXX XXXX XXXX ( where the money was due ) I finally figured out what was due. I told XXXX I was more than happy to pay the original {$500.00}, but he refused. After another XXXX minutes on the phone he spoke with his supervisor who said they would drop the fee to {$800.00}. I reminded him that I was never contacted about this pending bill that has gained interest over 2.5 years. I told him thank you for the offer, but I wanted to speak with his supervisor. 

This is when XXXX XXXX got on the phone. I reexplained to him that I never received a bill for {$580.00} and to charge me interest on a bill over 2.5 years old was preposterous. I asked for his title assuming that there was a supervisor over him. He told me that I was being rude when I asked his title and that he did n't need to give me a reduction. 

I have never been delinquent on a bill ( happy to provide a credit report ). The fact of the matter is that Fidelity let this bill gain interest over years and years until it was noticed by chance leaving me to suffer the consequence.
Consumer complaint received 2024-03-18
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION (TX)

On XX/XX/XXXX, I contacted the Navy Federal Credit Union as I was a victim of identity theft and XXXX XXXXXXXX back in XXXX as a result of those incidents, my Navy Federal relationship was lost. I contacted Navy Federal and was informed that all the identity theft information that I had previously provided as well as bankruptcy information had not been coded to the appropriate departments. I spoke with the bankruptcy department assuring me that the information was corrected on their departments end, and they would need to transfer me over to the remaining department for the restriction to be removed. After being on hold for well over 2 hours I was told that I needed to file a claim and I would be contacted in 2 weeks via email or phone call. 

On XX/XX/XXXX, I contacted Navy Federal because no one had contacted me by any form of communication means. The 1st representative XXXX XXXX ) she immediately stated that the claim was closed and that unfortunately the restriction was going to stay on. I questioned as to why? " XXXX without hesitation quipped with a lie. Someone called you and you answered. I immediately question? Called me on what day? She then paused and then lied again and stated I didn't say they called you, I stated that the same date you made the claim you were told that it could not be reversed. I immediately protested. Because that is not the truth, I then requested to be escalated to a supervisor ( XXXX ) 2nd liar on duty. XXXX is not only a liar he was a XXXX XXXX which is an XXXX but allow me to explain I immediately explained my previous conversation with ( XXXX XXXX he then went on to say that he was not privy to the conversation before the transfer when I asked the status of my claim, he stated give it 30 days. I asked how was ( XXXX ) able to give an assessment or provide the information and he insisted he wasn't privy to the information. When I questioned where I would receive my allege letter in 30 days in did not have my address. 

XXXX XXXX XXXX ID XXXX XXXX XXXX
Consumer complaint received 2020-05-15
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO. (CT)

Chase Banks transfer to a FRAUD SCAM Brokers : XXXX I would like to bring your attention to a serious issue I have with Chase Bank card transfers that first took place on the XXXX of XX/XX/XXXX. 
I have been victimized by a multilayered scam operation orchestrated by XXXX - the Company. 
The funds were transferred utilizing Chase Bank 's services in the total amount of XXXX USD! 
I would also like to point out that on the XXXX of XX/XX/XXXX - I filed a dispute with Chase Bank.
Consumer complaint received 2015-12-18
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: DISCOVER BANK (CA)

On XXXX XXXX 2015 I Applied Online for discover credit card after I check the status I was very negatively surprised to see I was declined, I contacted discover customer service agent and was informed that the reason why I was denied is because i had old account which was closed by credit granot because it was inactive which by Federal Law and By Equal Credit Opportunity Rights is not Legal to take adverse action because you had account in good standing and it was closed due to inactivity. After asking to speak supervisor and my request was escalated I was not lucky to be introduced to XXXX XXXX XXXX. She Told me she will investigate why and after 7 or more days could n't give me fair and legal answer, The Answer remained same that because I had Joint account and account was closed due to inactivity and I can not apply to join Discover Card Family. Please know I contacted in meantime with XXXX Credit Reporting Agency and obtained my free credit and score allowed by law if creditor takes adverse action to verify if I have any negative items or any other reason that my credit card application can be declined in which I saw and can confirm that I have Perfect Credit And only 12 % XXXX Population can have So Much Perfect Credit and XXXX Fico Score. 


I am writing to you because The service was not carried out with the necessary skill The service was not carried out with proper care and attention The decision is not acceptable and I will file claim to Consumer Financial Protection Bureau, XXXX, Federal Trade Commision I was treated very unfairly and in my opinion law was broken I suspect maybe there are other reasons like Race Sex national Origination or other reason which is not allowed to be used to make credit decision. and many other reason ... 


According to Equal Credit Opportunity Rights, prohibits credit discrimination on the basis of race, color, religion, national origin, sex, marital status, age, or because you get public assistance. Creditors may ask you for most of this information in certain situations, but they may not use it when deciding whether to give you credit or when setting the terms of your credit Please keep in mind I have Great Credit And Very Good Income And My Debt to income Ratio is Almost 0 % Also I want to Mention I have More Then 20 Year Credit History And I never been Late and or seriously delinquent and Never in My Life I Filed Bankruptcy. 


I would appreciate your response as soon as possible. If you wish to discuss this further, I am contactable by telephone/email Phone number XXXX XXXX XXXX Sincerely, XXXX XXXX Discover Card Apllication reference number is : XXXX.
Consumer complaint received 2022-08-13
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. (FL)

Transunion is knowingly reporting false/inaccurate information due to identity theft on my credit report. The name attached to my file number is not mine. The addresses attached to my file not mine. The phone numbers attached to my file are not mine. They are knowingly and willing breaking The Fair Credit Reporting Act in multiple violations pursuant to 15 U.S.C. 1681-1681. I want all accounts listed below deleted with 48 hours of this complaint being received. All items listed are fraudulent and inaccurate and Transunion is breaking the law.