davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-21
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (NJ)

My Request : Please tell Chase bank that they must remove this false past due amount of {$420.00} from all three credit bureaus expediently. This is completely illegal and unethical for Chase bank to put a LIE on my credit report. 

There is not a past due amount as I have not missed a payment in over a year ( 14 months to be exact ) I have proof and evidence that Chase has put false information on my credit report. In addition to my on time/ current payment history, the proof simply in the pudding. Both Chase Account Statements and my credit reports from ALL THREE credit bureaus shows XXXX dollars past due for all of XXXX and XXXX as well. I have proof that I made payments on time. I have proof that Chase reported my account as current from XXXX to XX/XX/XXXX. I have proof that EVERY MONTH Chase said {$60.00} dollars is due. I paid this as agreed. NOT ONCE did Chase put a past due amount on my statements in the ENTIRE YEAR of XXXX. 

Chase unethically put a past due amount of {$360.00} on my credit report on XX/XX/XXXX. For my XX/XX/XXXX credit report, Chase bank ILLEGALLY increased this past due amount to {$420.00}. Mind you Chase sent the account to a third party collections agency on XX/XX/XXXX. This is UNETHICAL to put a false past due amount on my credit report. 

Additionally, on XX/XX/XXXX Chase bank UNJUSTLY changed my account 's payment history for all of XXXX and XXXX. I made all payments from XX/XX/XXXX to XX/XX/XXXX. Chase falsely put on my credit report 18 times over 90 days late. This is a lie. From XXXX to XX/XX/XXXX my credit report showed XXXX ZERO times 90 days late. 

From the year XXXX to XXXX, I have really been trying to improve my credit. I actually increased my score XXXX points in a year. Chase banks unethical caused my score to drop. No REPUTABLE company would do that to college students just trying to improve credit and pay off debt. Chase bank 's unethical reporting is completely reprehensible. 

This is just WRONG and Chase banks needs to be reprimanded for the emotional trauma and distress that their false reporting has caused me. So many nights I cried myself to sleep. How could they treat anyone like this??? As I stated, I have not missed any payments in over a year. 

This INNACURATE AND FALSE credit reporting from Chase bank is illegal as well as unethical. Chase must remove the false past due amount and false payment history items from my credit report expediently. 

The past due amount is WRONG and a LIE as there is ZERO RECORD OF ANY PAST DUE AMOUNT IN ALL OF MY ACCOUNT STATEMENTS AND CREDIT REPORTS FROM THE ENTIRE YEAR OF XXXX TO XXXX. The past due amount needs to be removed from my credit report IMMEDIATELY.
Consumer complaint received 2024-09-20
Product: Mortgage — VA mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Freedom Mortgage Company (VA)

I am writing to formally file a complaint against Freedom Mortgage regarding my recent experience while seeking assistance with my mortgage payments due to job loss. 

Earlier this year, I lost my job and reached out to Freedom Mortgage in XX/XX/year> to request a forbearance plan due to my financial hardship. While awaiting their response, I made my XXXX payment in good faith. Upon following up on my Loss Mitigation application, I was informed that my application had become inactive because I made that XXXX payment. I was advised that, in order to qualify for a forbearance plan, my account needed to be delinquent. 

Following this guidance, I refrained from making my XXXX payment. A representative from Freedom Mortgage even joined a three-way call with my bank to dispute the XXXX payment, as I was anticipating an approval for the forbearance plan. I was told that I would receive a decision regarding my application in the first week of XXXX ; however, that did not occur. I kept the XXXX and XXXX payments saved in my account while awaiting their response. 

In XXXX, I finally received a decision letter approving a forbearance plan for XXXX months, effective XX/XX/year>. On XX/XX/XXXX, I made payments for XXXX, XXXX, and XXXX, and subsequently rejected the forbearance plan. I felt deceived, as I was led to believe that my only option was to allow my account to become delinquent in order to qualify for assistance. 

Due to this unethical guidance, my credit score took a significant hit. I reached out to Freedom Mortgage requesting that they reverse the late payments reported to the credit bureaus, but I have not received a satisfactory response. 

This experience has caused me considerable stress and confusion, and I believe it reflects poorly on Freedom Mortgage 's handling of my situation. I respectfully request your assistance in addressing this matter and ensuring that Freedom Mortgage is held accountable for their practices.
Consumer complaint received 2024-09-10
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. (TX)

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX XXXX # XXXX - Balance {$1500.00} Date opened XX/XX/XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX - Balance {$3600.00} Date opened XX/XX/XXXXXXXX XXXX XXXX  XXXX Date opened XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX - Balance {$1900.00} Date opened XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX - Balance {$640.00} Date opened XX/XX/XXXX Unauthorized inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-07-18
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with renewal
Company: TRUIST FINANCIAL CORPORATION (MD)

1. On XX/XX/year> I received by mail, dated XX/XX/year>, notice that my CD with Truist Bank was renewing. Specifically, the letter said : " ( Bold ) Your Certiificate of Deposit is Renewing. Your CD listed below will mature soon. NO ACTION IS REQUIRED TO RENEW YOUR CD ( emphasis added ). When your CD matures on XX/XX/year> it will AUTOMATICALLY ( emphasis added ) renew for another term of 5 months at the INTEREST RATE IN EFFECT ON THE MATURITY DATE. ( emphasis added ). 

2. On XX/XX/year>, I received notice by mail from Truist that " Your CD was automatically renewed on XX/XX/year> ''. The Truist letter was dated XX/XX/year>. However, instead of renewing under the current CD rate which was approximately 4.44 %, it was renewed under the rate of 0.01 %, ie, virtually XXXX. 

3. Truist would not resolve this over the phone by Customer Service and told to go to a branch office. I went to the branch office on XX/XX/year>. The Branch Manager claimed the " Current Rate '' was 0.01 %. This was absurd and patently false. I had to insist that in order to avoid continuing to lose daily interest, the principle of {$150000.00} be immediately transferred to the same 5-month CD terms and the manager said the interest rate was in fact, 4.440 % or 4.50 % APR. At the office I had the CD renewed at 4.44 % for 5 months. 

4. The interest lost for the period XX/XX/year> through XX/XX/year> was approximately {$310.00} since only the 0.01 % rate was applied during this period.
Consumer complaint received 2024-10-14
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (TX)

T-MOBILE. I signed up for XXXX service for XXXX lines, myself and XXXX sons, at the XXXX store. At that time I was given XXXX free tracking devices linked to each phone. The store rep said these are completely free. After a month of terrible service, I cancelled the service and returned the XXXX devices to the store. I received a bill from XXXX that had a monthly service charge for each device, along with a fee for each device. I contacted XXXX and told them I had returned the XXXX FREE devices to the store. XXXX indicated that the devices were still linked to my account and I needed to pay for each, or return to the store to get a receipt. I told XXXX that I have since moved, and do not want XXXX XXXX an hour each way to the store to get a receipt that you can call the store yourself and they can provide you whatever receipt you need. Also, I told XXXX that I did not receive a receipt when I returned the devices because they were FREE. You don't get a receipt when something is FREE. T-Mobile continues to harass me for payment for this debt that I do not owe. If the devices were not free, then XXXX misrepresented their products. T-Mobile has sent this debt to Amsher Collection Services . I refuse to pay this debt and any associated late fees.
Consumer complaint received 2019-08-07
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was damaged or destroyed the vehicle — 
Company: Lendmark Financial Services (GA)

lendmark financial has been approached by us about lower payments due to the stress of changing income source.XX/XX/19 they lower the payment {$30.00} per month, added two insurances that we don't need, and did another hard pull again on our credit report too. that did not help that much. payment is XXXX now for an 2007 XXXX that has been sitting due to it is not safe to drive anymore for more than six months. we still had to obtain another vehicle just to get back and forth to work. rent is XXXX now, lights, insurances, groceries, credit cards and the children supplies. 35.99 % daily is entirely too much. we are drowning trying to keep our credit for a first time car loan.
Consumer complaint received 2024-07-11
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. (IL)

I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.
Consumer complaint received 2024-10-07
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United Collection Bureau, Inc. (GA)

Complaint Regarding UCB 's Failure to Provide Debt Validation Under FDCPA To Whom It May Concern : I am writing to file a formal complaint against United Collection Bureau ( UCB ) for its violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically its failure to provide timely and appropriate validation of an alleged debt in response to my written request.

On around a month ago, I spoke to a representative and requested a written request for debt validation to UCB under 15 U.S.C. 1692g of the FDCPA. PLEASE REQUEST RECORDING OF THE LAST CONVERSATION. This section mandates that debt collectors, upon receipt of a timely request for validation from a consumer, must cease all collection activities until they have provided proper validation of the debt. Despite my request, UCB has not responded with the required validation information, nor have they complied within the mandatory five-day period. 

Despite my timely request, UCB has failed to provide the required validation. After several days of waiting, I filed a formal complaint against UCB, and a CFPB representative responded to this complaint who stated that it was closed on XXXX on the basis that UCB would send a debt validation letter to me. However, it has now been more than 30 days since the the first inquiry and XXXX XXXX  since my complaint had been closed, and I have yet to receive any written documentation. 

This delay has persisted despite the FDCPAs clear requirement under 15 U.S.C. 1692g ( a ) that debt collectors must provide the consumer with a validation notice within XXXX XXXX  of the first communication concerning the debt. 

Legal Basis Under 15 U.S.C. 1692g ( b ), if a consumer disputes a debt or requests validation within 30 days of receiving the initial communication, the debt collector must stop all collection activities until it provides proper validation. UCBs continued failure to comply is a direct violation of this statute. 

Several court rulings reinforce the importance of timely debt validation. For example, in XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ), the court emphasized that collection efforts must stop until proper debt validation is provided. Similarly, in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX. App. XXXX ), it was ruled that failure to validate a debt upon request constitutes a violation of FDCPA requirements. 

Case law supporting these obligations includes : 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The court held that any further collection activity before the debt is validated violates 15 U.S.C. 169.
Consumer complaint received 2024-10-09
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP (CA)

I received a notice in the mail that my credit card account was closed XXXX. No reason was given I called the credit card company to find out the reason. They would not give me a reason for the closure. 
I always pay on time and carry a small balance ( approx {$700.00} ) While on the same phone call I was notified that my business credit card account was closed as well, no explanation was given. 
I check my credit report and did not see anything unusual Id like to know why my account was closed so I can fix the issue and prevent problems in the future.
Consumer complaint received 2024-09-10
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. (TX)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX - Balance {$390.00} AXXXX XXXX XXXX XXXX XXXX - Balance {$1200.00} Date opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Balance {$370.00} Date opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Balance {$220.00} Date opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date opened XXXX XXXX XXXX XXXX XXXX XXXX Date opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Balance {$5800.00} Date opened XXXX XXXX XXXX XXXX XXXX XXXX - Balance {$1200.00} Date opened XX/XX/XXXX Unauthorized inquiries XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ) .I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair CreditReporting Act. I am a victim of human trafficking of XXXX XXXX and would like for all listed accounts to be blocked and deleted company informationTransunion. XXXX XXXX XXXX Mo ( XXXX ) {$490.00} Acct # XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX {$620.00} Acct # XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX ( XXXX ) {$530.00} Acct # XXXX XX/XX/XXXX XXXX  XXXX {$4500.00} Acct # XXXX XX/XX/XXXX
Consumer complaint received 2024-09-10
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. (TX)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXXXXXX XXXX XXXXXXXX - Balance {$5000.00} Date opened XX/XX/XXXX XXXX # XXXX - Balance {$2900.00} -Date opened XX/XX/XXXX XXXX XXXXXXXX XXXX # XXXX -Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX - Balance {$990.00} Date opened XX/XX/XXXX Unauthorized inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-02-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (MI)

I have a mortgage with Mr Cooper that was transferred to them in XXXX, completed on the XXXX. once the transfer was complete, i paid for the month and set up autopay that was scheduled to start the following month. There auto charged me immediately the next day on the XXXX. i was able to get that charge reversed. Shortly after, i re-setup autopay. 

I didn't receive a statement for XXXX and the next bill i received was for XXXX. Autopay drew from my account what was on that statement. however, my account was still showing unpaid for XXXX. I called and they said what i paid was applied to XXXX and they couldn't find a statement for XXXX. I didn't receive any notice that i was missing a payment or that my account was behind. And speaking with the repXXXX they canceled the autopay without notice.
Consumer complaint received 2024-09-18
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. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/year>2024 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, DC XXXX Subject : Complaint Against TransUnion Regarding Credit Reporting Dear CFPB Team, I am writing to formally file a complaint against TransUnion regarding my recent experiences with their customer service and the handling of my credit report.

I received an email from TransUnion expressing a desire to discuss my situation, but I have found that contacting them has been largely unproductive. I have spent an excessive amount of time on holdup to 30 minutes to 1houronly to receive little to no resolution regarding a negative remark on my consumer report.

Despite my efforts to point out negative remarks that are affecting me financially, there has been no change in my report. Specifically, I have requested the removal of negative remarks and for certain accounts to be marked as " paid and closed '' or even deleted from my report. I believe that such updates should not take 30 days that TransUnion indicates, especially when the errors are clear.

I would appreciate your assistance in resolving this matter and ensuring that TransUnion adheres to fair practices in credit reporting.

Thank you for your attention to this matter. I look forward to your prompt response.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I submitted identify theft reports to all three credit bureaus along with a printout of section 605B of the FCRA and proof of my identity requesting that specific accounts be blocked from me credit report, as I just found out they were opened by an unknown entity after the XXXX data breach. According to the FCRA this information must be blocked within four business days of the bureau receiving proof of the identity theft, but this has not occured.
Consumer complaint received 2024-09-18
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. (MD)

Since 2020, I have been disputing a debt with all three credit bureaus. In XXXX, I sent certified dispute letters to all three bureaus, along with all required documents, including my ID and Social Security number. TransUnion returned the certified mail green card but has not provided any response regarding the dispute. I have not received the certified return card from XXXX or XXXX. XXXX has repeatedly stalled, asking for more information despite receiving everything they requested. 

I also disputed the debt online, but the investigation results came back as accurate and validated. When I contacted XXXX to ask for documentation on how they validated the debt, I spoke with a representative who was very rude. She informed me that they use an automatic system for disputes and that she was not allowed to share any information about how the debt was validated. 

Under the Fair Credit Reporting Act ( FCRA ), 18 U.S. Code 1028, 15 U.S.C. 1681b, and 15 U.S.C. 6802, I have the right to dispute inaccurate information and to receive documentation validating the debt. I have repeatedly asked for the validation of the debt, including the original purchase agreement, payment history, and proof that the collection agency is licensed to legally collect the debt. Both the credit bureaus and the collection agency have refused to provide this information, which is a violation of my rights under these laws. 

I respectfully request the immediate removal of this debt from my credit report, as the bureaus and the collection agency have failed to comply with federal regulations and have repeatedly violated my rights.
Consumer complaint received 2024-10-21
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: TRUEBILL, INC (FL)

Rocket Money I subscribed to Rocket Money and found interesting their " negotiation of bills '' option that offer. 
After days of subscribed, i got a request of user name and password from them in order to proceed with " negotiation " of bill from XXXX after this i got an email saying that their negotiation gas successfully and is saving me {$500.00} per year or XXXX XXXX  monthly. 
Also that since there was an agreement for 40 % of savings for successful agreement they were gon na charge {$200.00}. 

Originally didn't find it strange. But when i started analyzing my bill from XXXX. There were no change at all. The same amount i was paying i will continue paying. So what really hapenned is that XXXX gives the change with 1 click of continue with the same benefits of the plan.

However even having not doing any negotiation as manifested. They wanted to charge for something not done.
Consumer complaint received 2024-10-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (AL)

I am writing to dispute a fraudulent account that is being reported by National Credit Adjusters for XXXX XXXX XXXX XXXX  on my credit report. I have no knowledge of this account, and I did not open or authorize it. I believe this account is the result of identity theft. I request that National Credit Adjusters for XXXX XXXX XXXX XXXX cease reporting this account and remove it from my credit report as soon as possible. 

I am currently taking steps to protect myself by completing the identity theft report and a police report. Please provide confirmation that this account will be removed from my credit report.