davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Solar Mosaic LLC (CA)

In XXXX, I took out two loans in the amount of {$55000.00} each from Mosaic ( joinmosaic.com ) which had 0 % interest if the loans were paid back within 18 months. The first loan was due to be paid XX/XX/XXXX. The second was due XX/XX/XXXX. 

On XX/XX/XXXX, I made an electronic payment on the Mosaic website to pay-off the first loan due in the amount of {$30000.00}. This was not abnormal as I had already made payments in the amount of ~ $ XXXX to pay off this loan. I called Mosaic several times between XX/XX/XXXX and XX/XX/XXXX of XXXX to ensure the payment had gone through. On XX/XX/XXXX, I received an email from Mosaic stating " We're writing to let you know that your payment of {$30000.00} has been received by Mosaic on XX/XX/XXXX. '' However, on XX/XX/XXXX, Mosaic sent me a follow up email stating my payment had not gone through because my " Account ( was ) not found ''. I then promptly made another payment and by XX/XX/XXXX, had confirmed the original loan amount had been paid off in full. 

However, Mosaic then charged me approximately {$8000.00} in accrued interest saying I had not paid the loan off in 18 month 0 % interest period. This was despite several phone conversations with Mosaic officials between XX/XX/XXXX and XX/XX/XXXX confirming that they would not charge me accrued interest. 

Furthermore, given I had a second {$55000.00} loan due to Mosaic on XX/XX/XXXX and wanting to avoid any issues with online payment, I sent Mosaic a check in the amount of {$55000.00} to pay off the second loan with the loan number clearly marked on the check. However, Mosaic instead used this check, despite being clearly noted for my second loan, to withdraw the ~ {$8000.00} they were charging me for the first loan 's accrued interest. Fortunately, I was able to payoff the second loan in time with the full {$55000.00}, but if I had not had the funds readily available, Mosaic would have charged me an additional ~ {$8000.00}. 

After calling Mosaic repeatedly from the end of XXXX through XXXX, Mosaic did agree to send me a refund on the interest accrued payment. They sent me written notification of this on XX/XX/XXXX. But then they never sent me a refund. I tried calling them again to see why they had not returned my ~ {$8000.00} in accrued interest despite sending me an email saying they would and was given no response by the call agents or managers I spoke with.
Consumer complaint received 2023-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I, XXXX XXXX, consumer, am demanding these accounts to be removed from all credit reports per 15 USC 1681c-1 : XXXX XXXX XXXXXX/XX/XXXX Total fraudulent amount : {$3100.00} XXXX XXXX XX/XX/XXXX Total fraudulent amount : {$4800.00} XXXX XXXXXXXX XX/XX/XXXX Total fraudulent amount : {$2100.00} I am disputing these accounts per 15 USC 1681b ( a ) ( 2 ). After reviewing my accounts, it shows accounts that I question. In accordance with my rights under the Fair Debt Collections Practices Act, I am disputing these accounts and requestions VALIDATION that there is proof of debt. I am demanding the removal of these accounts immediately.
Consumer complaint received 2024-02-08
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I am writing to address a matter pertaining to late payments on my Capital One account, accurately reflected in my recent credit report. While I fully acknowledge the accuracy of these late payments, I would like to provide context regarding the financial challenges I faced during this period. 

Despite encountering significant financial difficulties, I have remained unwavering in my commitment to improve my financial situation. As part of this effort, I am currently in the process of obtaining my real estate license, a crucial step towards ensuring a stable future for my growing family. This pursuit signifies my proactive approach to securing a better financial standing. 

In accordance with the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( 15 U.S. Code 1681i ), I kindly request your consideration for a goodwill adjustment regarding the late payment entries on my account. I believe such an adjustment would not only accurately reflect my current financial responsibility but also contribute positively to my ongoing efforts to enhance my financial standing. 

Specifically, I would like to draw your attention to the following sections of the FCRA : 15 USC 1681 section 602, which states that consumers have the right to privacy.

15 USC 1681 section 604a section 2, which prohibits consumer reporting agencies from furnishing an account without written instructions.

15 USCS 1666b, which prohibits a creditor from treating a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2024-05-03
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. (NY)

Ensuring timely payments on this account has been a priority for me, ensuring they're never overdue. I'm unclear about the reasons behind the reports of late payment remarks on my accounts. As per 15 USC 1666b, billing errors should be corrected.
Consumer complaint received 2023-09-26
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: Experian Information Solutions Inc. (PA)

I submitted a letter to the 3 Credit Bureaus last XX/XX/XXXX, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again 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 2024-02-08
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (FL)

When I went to the dentist they signed me up for XXXX card with synchrony bank. I cancelled the card shortly after I got home as they did not inform me they were going to charge me for work that was never done, after contacting XXXX dental and getting the charges removed CareCredit still charges some fee or something even though there is no charges on the account and the card and account has been closed. When I try calling its always busy and I can not seem to find a way to email or chat with them about the issue. I don't even know where the card is or what the account number is so I don't know how to move forward but this is messing up my credit and it needs to be stopped.
Consumer complaint received 2024-02-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (IN)

I called the collections agency and asked if they can remove collections amount and stop marking my credit report as a missed payment because i already paid with original creditor and they are a thirdparty trying to collect the debt and my contract or insurance policy was not with them.
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

I want to emphasize unequivocally that I did not give written authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am formally requesting that these inquiries be blocked and expunged from my record. It is crucial to highlight that this request is not made in error, nor is it grounded in any misrepresentation of relevant facts concerning the request to block these transactions. 

This assertion is important because it underscores the fact that these transactions were included without my explicit consent or instruction. By emphasizing this point, I aim to convey the seriousness of my request and ensure that it is not overlooked or dismissed. Additionally, I want to clarify that my request is based on accurate and relevant information, and I am not attempting to manipulate or deceive in any way.
Consumer complaint received 2023-09-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (NY)

I applied for the new IDR plan called SAVE via StudentAid.gov on XXXX XXXX Their site says Aidvantage finished reviewing my application on XXXX XXXX 

I received a letter from Aidvantage saying I needed to call them to complete the process, however, I have tried to call several times and have spent many hours on hold waiting to speak to someone, to no avail. 

I am XXXX XXXX  with XXXX XXXX XXXX XXXX XXXX XXXX which means that staying on hold for hours listening to their recording is extremely difficult. 

I also emailed them ( on XX/XX/XXXX ) and still haven't heard back ( as of XXXX XXXX  ). 

I've also tried their live chat function on their website many times, and it never works. When I start a chat, I immediately get a message " We are currently having heavy volume. Sorry for the inconvenience. Please try back later. '' Part of the promise of the new SAVE plan was that this process would be much easier and less of a burden, however, Aidvantage is making it entirely impossible. 

I have done everything I can possibly do on my end, including submitting the full application via the StudentAid.gov website and self-certifying my income. 

I have seen many others in a student loan forum are having similar issues. It seems Aidvantage is intentionally holding off on processing our applications, probably so we will have to pay once the deadline passes. 

I contacted StudentAid.gov regarding this issue, and they said they could not help, only Aidvantage can help. I have hit a dead-end since I have no way to get in touch with anyone at Aidvantage. 

This means interest on my student loans is accruing when it shouldn't be, costing me hundreds or potentially thousands of dollars, depending on how long it takes to resolve this issue.
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (MD)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with EXPERIAN COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( s ) that I have made. It is the result of identity Theft.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Navient Solutions, LLC. (MI)

I have had student loans in the past but they're reporting to my credit report and I know that they are invading my privacy per violation of the Educational And Privacy Act and The Family Educational Rights and Privacy Act of 1974 FERPA 20 USC 1232 ( G ) 34 CFR 99 5 USC 525 ( A )
Consumer complaint received 2024-05-23
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: Chime Financial Inc (IL)

I put in a dispute with chime at least 10 time when my money was to be returned in 30 day when time can they Deny me after I was approved. So I ended up closing my account out and never got no statement or anything. All day day was getting to run around and I never got my money back so I left to another band.
Consumer complaint received 2024-01-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company (CA)

FREEDOM MORTGAGE LOAN AN ADDITION {$1600.00} DOLLARS IS BEING PULLED FROM MY CHECKING ACCOUNT LAST MONTH. This appears to be continuing each month as they are projecting I will need insurance in XXXX when my current policy becomes due. I will continue my current policy, but some how Freedon Mortgage has predicted on a letter from them dated XXXX that I should begin prepaying my escrow account based on their best ( unfounded Guess ). this will result in me being charged at the current rate of {$1600.00} X XXXX = {$19000.00} ALL with no found reason an expense I can not afford to wait to be refunded or resolved. Thank you XXXX XXXX
Consumer complaint received 2024-02-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AE)

I was notified that i was enrolled in Online Banking at Bank of America on XXXX XXXX XXXX. I did not initiate this action nor do I wish to use Bank of America 's services. I was previously notified on XXXX XXXX XXXX that someone attempted to open a credit card using my information for a card issued by Bank of America. There is no information published on how to contact Bank of America to dispute fraudlent activity, almost all public communication methods require you to have an active Bank of America account, ( all automated telephone XXXX  will disconnect if you do not provide an account number ). I even resorted to contacting the Law enforcment department to to speak with someone.
Consumer complaint received 2024-02-06
Product: Credit 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: BARCLAYS BANK DELAWARE (MA)

Called to get two pages that I could not read and was refused. 
I asked agent for mailing address and was given po box or Fax I told her I wanted an address to send a Certified letter with return receipt and she refused to give it to me. 
I want to send a XXXX XXXX XXXX Demand letter and it requires a Certified Letter. 
Thank You in Advance for your help. 

My complaint is with Jet Blue Vacations. 
I booked a trip to XXXX, and when we arrived at the hotel they had a water line break and had no water in the Hotel. 
I will be XXXX XXXX XXXX this month and I frequent the toilet and need water to flush. 
We had to move to another hotel and the Hotel Manager told us she would reimburse Jet Blue Vacations for our room Credit card company is siding with Jet Blue and refusing to give us credit My wife is also XXXX and she did not want a room without water. 
Again Thanks for your help. 
XXXX and XXXX
Consumer complaint received 2024-02-06
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

In XXXX XXXX as a current credit card, in great standing, holder I was checking my payment amount due in their app. While looking at my transactions a promo ad popped up stating if I changed cards, from my current Venture card to a XXXX card, and used the new card XXXX number of times within a XXXX ( I believe ) period they would give me a {$200.00} bonus credit on my new XXXX card. 

Since it was a pop-up ad within their app I could not print out the requirements for proof but I read them clearly & agreed to close my XXXX card, allowed them to run credit check, & receive a new XXXX card. 

I completed the required usage within the XXXX period but have not received the {$200.00} bonus credit. 

I contacted their Support Center today to ask about the credit & was told that promo was only for new customers. If only new customers, why would it appear while I was logged into their app with all my credit card info showing? Feels like a bait & switch.

I also asked what was the advantage of changing cards within their corporation since it caused additional work on my end? I was told it has to do with different rewards programs. I never would have switched for just different reward options. That is not relevant to me. I was interested in the {$200.00} bonus as a longtime customer of theirs. Due to new card I had to contact all my creditors with auto deduct to alert them to new number, expiration date, etc. It was alot of extra work for me yet I have not received the expected bonus. Seems shady to me.
Consumer complaint received 2023-02-14
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. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX, XXXX  XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX BANK XXXX XXXX - ; XXXX XXXX XXXX Balance {$500.00} ; XXXX XXXX XXXX Balance {$9000.00} XXXX XXXX XXXX XXXX XXXX Balance {$1300.00} ; XXXX XXXX XXXX : XXXX XXXX, XXXX.
Consumer complaint received 2023-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AR)

I called the 3 Credit Bureaus after I purchase a credit report with XXXX  on XX/XX/2023. After receiving a copy of my report, I saw this UNVERIFIABLE accounts on my personal profile, I noticed that there was a name, accounts, and Inquiries on my credit report which are misleading to me. I already sent a letter to the 3 credit bureaus. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). These following accounts needs to correct right away :
Consumer complaint received 2024-02-06
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: JPMORGAN CHASE & CO. (CA)

I received a notice in the mail today dated XX/XX/year>, indicating my application for an XXXX XXXX XXXX XXXX credit card account requires additional documentation to approve. I did not apply for this card. 

The header on the notice is JPMorgan Chase Bank. I tried calling the number in the notice but they asked for my SSN ( which is one of the items requested as required in the letter and I hung up without providing any PPI. 

I believe this is an attempt at fraud. 

Thank you!
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I have noticed some inconsistencies in the information pertaining to my Capital One account. As shown in my XXXX credit report. It has come to my attention that certain items have been reported inaccurately, rendering them non-compliant with the XXXX XXXX compliance guidelines. It is crucial to ensure that the information provided is both up to date and meets the minimum standards for accuracy. As inaccurate information holds no significance in your database or on my credit report, I kindly request the immediate removal of these items.
Consumer complaint received 2024-01-25
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Paying off the loan
Company: PENNYMAC LOAN SERVICES, LLC. (GA)

attached. 
WE ARE THE ISSUERS PER THE LOAN DOCUMENTS/AGREEMENTS SIGNED : WE HAVE EQUITABLE INTEREST AND BENEFICIAL OWNERSHIP XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-11-16
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. (GA)

I contacted the debtor on XX/XX/XXXX requesting my signature proving that this was my debt and or that I had paid the accounts late. 

The companies are reporting this information to my 3 credit reporting agencies without ending validation of the debt and the credit reporting agencies are reporting this inaccurate information to future creditors. 

This is causing injury to my person as I am not able to acquire new credit based on these false invalidated claims.
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (MD)

Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying XXXX XXXXhelpmeoutby finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :
Consumer complaint received 2024-01-25
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Sequium Asset Solutions, LLC (CA)

Besides the repeated phone calls, they never identify themselves in that they're attempting to collect a debt. Instead, when they call me they start out by repeatedly asking if I'm who I purport to be for some unknown reason. This happened at XXXX XXXX on XX/XX/2024.
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.