davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-21
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company (NJ)

My original monthly mortgage statement for XXXX XXXX is {$1700.00}. On XX/XX/XXXX, Freedom mortgage conducted an escrow analysis due to my homeowner insurance premium increasing for fy XXXX by {$260.00}. An escrow shortage was determined for that amount. I made XXXX ( XXXX ) payments on the escrow shortage : one on XX/XX/XXXX for {$130.00}, and the second on XX/XX/XXXX for {$130.00}. Totaling the shortage amount of {$260.00}. 

I recently received my XX/XX/XXXX mortgage statement for the amount of {$1700.00}. 
It is a {$20.00} difference. My wife and I called Freedom mortgage several times to get a clear understanding on why the mortgage would still increase even though any and all escrow shortages were paid in a timely manner towards XXXX XXXX. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( supervisor ) ID # XXXX would not provide a clear understanding.
Consumer complaint received 2024-11-20
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC (PA)

I checked my credit report and noticed a charge sent to collection through Radius Global Solutions by XXXX for an account that was opened on XX/XX/year> and closed XX/XX/year> with a debt collection of {$240.00}. I have not had any phone calls, emails, or mail sent to me about this I do not know what this charge is on my report. I had a previous account with them that was paid and closed a year ago. Also my credit was frozen during this time so I do not know how this could have even happened.
Consumer complaint received 2024-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Amsher Collection Services, Inc. (NY)

I am sending to address the adverse marks on my credit file that have been attributed to me. While I would willingly acknowledge and assume responsibility for any valid debts, I am unable to do so in this case without Proper Validation and Proof Of Claim. As per the Fair Debt Collection Practices Act ( FDCPA ), I am formally requesting comprehensive validation of the alleged debt. 

I seek evidence establishing that I am the party obligated to settle this debt and that there exists a legally binding contractual obligation compelling me to do so. For clarity, I request that all communication be limited to written correspondence until adequate validation of the purported debt is provided. To assist you in meeting this request, please furnish the following required documentation : Complete payment history, as per the precedent set by XXXX v XXXX, XXXX XXXX XXXX ; XXXX XXXX. XXXX XXXX XXXX. Provide a detailed verification by line item, including information on the purchase date, itemized amounts, receipt of goods, and any relevant details directly from the Original Creditor. 
Date of Last Activity. 
Full, accurate social security number that may help to identify me as the correct person you are trying to collect from. 
Agreement that bears the signature of the alleged debtor, indicating the commitment to pay the original creditor. 
The obligation between your company AMSHER COLLECTION SERV, XXXX XXXX XXXX, XXXX XXXX XXXX and me that authorizes the collection of the alleged debt, along with any transactions binding me to an agreement to pay your company. 

Proof of photo identification ( i.e., driver 's license, state identification card, or other government issued identification card ) presented at the time of incurring the debt. 
Letter of sale or assignment from the original creditor to your company, including any agreement with your client granting the authority to collect on this alleged debt. ( Agreement with your client that grants you the authority to collect on this alleged debt. ) XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX, XXXX XXXX, XXXX ) - information relating to the purchase of a bad debt is not proprietary or burdensome. 
Any other pertinent information regarding the creation of the debt by your collection agency like ( XXXX. Where the debt originated from, XXXX. ) The sum paid by the bad debt buyer for the plaintiff 's debt, XXXX. ) How the total amount was determined, and XXXX ) A list of documents that authorize the collection of debts. )
Consumer complaint received 2024-11-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP (CA)

On XX/XX/year> XXXX XXXX XXXX  Representative XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX called our business office, XXXX XXXX  XXXX XXXX XXXX and notified XXXX  XXXX, XXXX XXXX that a fraudulent check was being processed by someone in the amount of {$9500.00}. Original check was written out to US Bank Credit Card in the amount of {$1500.00} but was washed with the above amount payable TWICE, payable to two different people. Fraud amounts were re-written in the amounts of {$2500.00} and {$9500.00} we notified US Bank representatives of the situation but have only received one refund for the smaller amount of {$2500.00}. No other investigation has been presented. 

XXXX XXXX needs a refund of the 2nd check cashed fraudulently in the amount of {$9500.00} plus interests and time lost/damages to company writing letters, emails and time into reviewing something that should have been prevented and taken care of immediately, it is now 4 months and have not had a resolution.
Consumer complaint received 2024-11-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Possible Financial Inc (TX)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2020-04-24
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (LA)

This complaint deals with my Ann Taylor credit card at Comenity Bank. I paid the card balance of about {$300.00} on XX/XX/2019 -- one day late. I was assessed a late charge and a minimum interest charge of {$1.00}. I paid another {$27.00} in late XXXX, the late charge? I was traveling and didn't have the statement in front of me. 

Since that time, Comenity has been assessing a minimum interest fee of {$1.00} on what, I'm not sure and charging a {$27.00} late fee on a minimum interest charge, that is generated every single month on the previous month 's late fee!! This is absolutely outrageous!! I have not made any Ann Taylor purchases since XXXX. 

I called last month and the customer service rep reversed the fees, apologizing. I left the card open. Today, I got another bill for {$29.00} consisting of minimum interest charges and late fees. I called again, the customer service rep refused to reverse the late fee and the interest, so I cancelled the card. 

This practice is unfair, deceptive and abusive. I would like for Comenity to reverse any and all fees and interest charged to me since XX/XX/2019. I would also like for the CFPB to inquire into this practice by Comenity Bank, order restitution to all similarly situated consumers and assess civil money penalties against Comenity for a UDAAP violation.
Consumer complaint received 2024-11-22
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TekCollect Inc. (FL)

I received services at XXXX XXXX on XX/XX/XXXX and was on a payment plan to cover my balance. During my initial visit, I informed the XXXX that I am a XXXX XXXX managing expenses on my own. Despite this, the office placed me on a payment plan that has now led to financial distress, which I believe could have been handled more responsibly. 

According to the office 's portal, my total bill was {$2600.00}. My insurance covered {$1700.00}, leaving me responsible for {$900.00}. I made six monthly payments of {$120.00}, plus a {$100.00} down payment, totaling {$820.00}. Despite this, I was told that {$700.00} of my balance has been sent to collections. 

The portal inaccurately shows that I have only paid {$170.00} toward my account, even though I have receipts confirming the payments. This discrepancy has not been adequately explained, and the office has not clarified how my payments were applied. 

When I contacted the XXXX  office to address these concerns, I was informed that accounts are sent to collections after 90 days of non-payment. However, my last payment of {$120.00} was processed on XX/XX/2024, which contradicts this policy. 

The representative I spoke with seemed uncertain and deflected my questions about the payment discrepancy. Instead of addressing my concerns, they focused on defending the decision to send the debt to collections. After I sent an email demanding written confirmation of the debt, I received a call back hours later. 

During the call, the representative suddenly cited a contract that I allegedly signed in XX/XX/2024. This contract was only sent to me after I pressed the issue, raising concerns about whether the terms are accurate or retroactively altered. Additionally, I never received a copy of this contract at the time I signed it, and I could not find it in my email records from XXXX. 

Lastly, I discovered the notice of the collections referral in my spam folder, meaning I was not adequately informed or given a fair opportunity to resolve the balance before it was sent to collections. 

I believe I have been unfairly treated due to billing errors, poor communication, delayed sharing of documentation, and deflective behavior from the representative, which has caused unnecessary financial and emotional stress. 
I believe I should have been provided with a copy of the contract at the time of signing or immediately after the treatment. The fact that it was only shared with me after I pressed the issue raises concerns about transparency and accountability
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (VA)

I am writing to express my concern regarding the handling of my private information by Equifax, XXXX XXXX XXXX XXXX XXXX XXXX all of which identified as consumer reporting agencies under the Fair Credit Reporting Act ( 15 USC 1681 section 602a ). I have ordered reports and spoken with representatives to handle these multiple infractions before submitting this complaint. As a consumer, I am entitled to ensure that my personal information is treated with fairness, impartiality, and respect for my right to privacy, as outlined in the aforementioned section.

According to 15 USC 6801, financial institutions, including furnishers of information to credit agencies, have a continuous obligation to respect the privacy of their customers and safeguard the confidentiality of nonpublic personal information. I believe that ( Furnisher of information to credit agencies ), classified as a financial institution, falls under this obligation. However, I have not provided written consent for the disclosure of my information to Equifax and XXXX, and I want to make it clear that any previous consent, whether verbal, non-verbal, written, implied, or otherwise, is hereby revoked. 
Referring to 15 USC 1681 section 604a ( 2 ), it is stipulated that a consumer reporting agency may furnish a consumer report only in accordance with the written instructions of the consumer to whom it relates. I have not given my written consent for the disclosure of my information to these consumer reporting agencies. 
Additionally, under 15 USC 6802 ( b ) ( c ), a financial institution is prohibited from disclosing nonpublic personal information to non-affiliated third parties unless the consumer is informed of their right to exercise the nondisclosure option. I have not been informed of this right by ( Furnisher of information to credit agencies ).

Furthermore, 15 USC 1681C ( a ) ( 5 ) prohibits consumer reporting agencies from including adverse information in a consumer report without authorization. The reporting of adverse information without my permission is a violation of this provision.

According to 15 U.S. Code 1681s2 ( A ) ( 1 ) A, a person is not allowed to furnish inaccurate information to a consumer reporting agency. Equifax and XXXX must ensure the accuracy of the information they receive, and I have reason to believe that inaccuracies exist. 
Lastly, in accordance with 12 CFR 1016.7, I am exercising my right to opt out of your reporting services at this time. 
I expect a prompt investigation into these matters and a resolution that ensures compliance with the relevant statutes.
Consumer complaint received 2023-12-28
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (FL)

I demand that a competent authority in the American Express organization sign the rescript been sent to me or call me to discuss why my right to credit is withheld. In what authority does American Express have right to closure or sales of my personal property when I am the administrative authority over the account?
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MO)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am writing to bring to your attention a critical matter concerning the inaccurate reporting of late payments on my credit accounts. This letter serves as an official notice of your non-compliance or negligence with the Fair Credit Reporting Act ( FCRA ) and outlines the corrective actions required to rectify this issue promptly. I've addressed this in prior letters to no avail. The reported late payment information does not accurately and completely reflect my payment history.
Consumer complaint received 2023-12-28
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (CA)

I've been a customer of Coinbase since XXXX and never had any problems. 

On XX/XX/XXXX they locked my account stating that my account was under review. They disabled my ability to trade. Noting has changed on my side that could be the reason for this and all my identity and other information has been in place with them for years. 

Crypto currencies are highly volatile and locking my account takes away my ability to manage my risk. I would never have opened an account with coinbase and traded crypto currencies if I knew they would " lock me in '' to trades like this when the value of those assets is changing 20 % per day and I can't get out. 

I could understand if they suspended deposits and withdrawals for a few days while they verified information if something had changed, but this is totally unacceptable. 

I contacted the customer service on XX/XX/XXXX and they said they have everything they need but there is no resolution. 

I contacted them again on the same day, still no resolution.
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : DEPTEDXXXX XXXXXXXX Balance Owed : {$57000.00} XXXX XXXX XXXXXXXX Balance Owed : {$160.00} XXXX XXXX XXXXXXXX Balance Owed : {$48000.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed XXXX {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX XXXX Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance XXXX : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed XXXX {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$56000.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX XXXX Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance XXXX : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed XXXX {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$57000.00} XXXX XXXX XXXXXXXX Balance Owed : {$160.00} XXXX XXXX XXXX Balance Owed : {$48000.00} DEPTEDXXXX XXXXXXXX XXXX Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX XXXX Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance XXXX : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed XXXX {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00}
Consumer complaint received 2023-12-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (NY)

I trust this letter finds you well. I am writing to bring to your attention an issue I have identified on my credit report pertaining to the reporting of late payments. After a thorough review, it has become apparent that there are inaccuracies in the representation of my payment history. 

I acknowledge that maintaining accurate and up-to-date credit information is crucial, and I am committed to ensuring the integrity of my credit history. However, I have identified instances of late payments on my credit report that I believe to be inaccurately reported. 

I kindly request that your bureau conducts a thorough investigation into these inaccuracies and, if necessary, corrects or removes the reported late payments from my credit report. It is important to me that my credit report accurately reflects my financial responsibility and standing. 

Enclosed with this letter, please find any supporting documentation or evidence that may assist you in your investigation. 

XXXX XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX customer service representative. 

XXXX XXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX customer service representative XXXX 

I understand that the resolution of such matters takes time, but I kindly request that you expedite the process and provide a written confirmation of the corrections or removal of late payments from my credit report within [ reasonable timeframe, e.g., 15 business days ] from the date of receipt of this letter. 

I appreciate your prompt attention to this matter and trust that your organization will uphold the standards of accuracy and fairness in credit reporting.
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 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.