davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-23
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Atlantic Recovery Solutions LLC (NY)

My sister texted me on XX/XX/2023 verbatim, Hey Sis, I pray all is well. 
I just got a call from XXXX of XXXX XXXX XXXX ( XXXX ) XXXX ext XXXX. He said for you or your designated Power of Attorney to please call him. She subsequently wrote, They said I was next of kin, they made me nervous I thought something happened. When I looked up the company it was a debt collector. I called the number XX/XX/XXXX and XXXX picked up. I asked if they were a debt collection agency, which he confirmed. He then began to ask questions and talking over me before I could finish. By the time he told me to shut up while [ he ] was talking I disconnected the call and filed a report.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 

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 XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc. (CA)

I am writing to request the immediate correction of inaccurate information on my credit report, specifically pertaining to late payments on my account. I have recently spoken with a representative from the bank, and they have acknowledged the error and agreed to update their records upon receipt of a goodwill letter which was sent last XX/XX/23. 
The bank indicated that once a GW letter is submitted, they will take the necessary steps to update their records and correct the inaccuracies related to late payments on my account. The representative assured me that they are committed to rectifying this error promptly.

I kindly request that you cooperate with the bank in this matter and promptly update the information on my credit report to reflect the corrected status of my account. 
COMENITYBANK/VICTORIA XXXX XXXXThose payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history.
Consumer complaint received 2022-12-20
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: Experian Information Solutions Inc. (MS)

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. 

XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX 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 an 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.
Consumer complaint received 2023-12-11
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (AZ)

I was told to wire money from my account to a bank in California that it was accidentally, deposited in my account. I transferred 3 wires as instructed to do. I believed this was an honest mistake as I was instructed and that's when I got suspicious that it was fraud as no one from Chase that these large amounts were deleted from my account and the banks that I transferred to no longer existed and I was just out of those fundsI contacted XXXX XXXX  XXXX, Az Dept of Public Safety and Chase bank,
Consumer complaint received 2023-11-23
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Solar Mosaic LLC (CA)

I went through Mosaic lending to pay for the installation of solar at my residence. I was being charged interest from the time my loan was accepted, until I made my first payment, which was after installation. The details of the interest were hidden and not conspicuous. Had I known I was being charged interest from the day of approval, and not of actual installation- which was also the same time I received notification to make my first payment, I would have paid on the loan to avoid the interest accruing. 

Also, since interest is applied on a daily basis, the company delays the actual payment, or transaction date, for several days. Therefore I am paying interest on additional days that I should not, if the payment was applied at the time of actual payment, or even taking into consideration for time differences between business times. 

I have spoken to several representatives, but they are unable to apply the payments immediately, or even the next day. It appears that it is a systematic method of " nickle and diming '' or gaming the system to maximize their proceeds from interest. 

My Mosaic account number is XXXX, and I just paid if off completely, or so I think, since I'll probably get hit with interest since they don't apply the payments immediately.
Consumer complaint received 2022-12-20
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: EQUIFAX, INC. (NJ)

The credit bureaus stated my accounts was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal they also violated my rights under 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 an account without my written instructions.
Consumer complaint received 2023-11-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (OH)

On XX/XX/2023, i tried to withdraw money from an atm machine with my debit card, but the atm said that it was an invalid card and took the card. I called US Bank to inquire why i couldn't withdraw money from my account, and they told me to go and see a branch manager the next day. I went to see the branch manager and she said that they have placed a hold on my account. She has emailed the bank to inquire but the hold, and they are not responding to her. And everytime i call to see how i can get my money, they tell me to go and speak to the branch manager. It's been a week now, and i don't have any money on me to even get gas to go to work. I have told them to close the account and give me my money, they say no. I don't know what to do again.
Consumer complaint received 2023-04-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

I have disputed the validity of this debt with equifax twice and have not received any results. In XX/XX/XXXX and XX/XX/XXXX equifax has received my dispute request via certified mail. Im so curious on how equifax was able to verify this debt as mine when the other bureas were able to determine that it was not my debt and deleted it from my reports. If the company has to report the same information to all bureas, what has equifax found differently that deems the debt as valid? The company itself can not validate the debt so how can equifax? Due to this erroneous account I have been punished by receiving unfair rates.
Consumer complaint received 2023-07-10
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: WLCC (MI)

On XX/XX/XXXX, I sent a Revocation of Authority to Initiate Electronic Funds Transactions to Explore Credit and can confirm that they received the document ( attached to this complaint ). On XX/XX/XXXX, Explore Credit debited {$50.00} and on XX/XX/XXXX, of XXXX, Explore Credit debited {$680.00}. I never authorized this transaction or rescinded the Revocation of Authority to Initiate Electronic Funds Transactions.
Consumer complaint received 2023-09-23
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. (IN)

I am not liable for the debt with XXXX  and I do not have a contract with them or XXXX. I know nothing about this account and demand it be removed ASAP
Consumer complaint received 2017-05-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On  XXXX   XXXX ,   XXXX   I sent a certified letter to Transunion regarding unverified negative items being reported on my credit report. I specified that I was requesting TransUnion to comply with the federal law and send me the original signed documentation/contracts showing my signature on these negative items that they are verifiying on my report After Transunion 's " investigation '' the negative items came back as being verified with no documentation with my signature that is required by the FCRA. I have spoken with numerous reps at TransUnion regarding these negative items and have yet to get this resolved. TransUnion has told me that their " verification '' consists of sending an electronic message to the courthouse or company through  XXXX . Once the court or company " verifies '' it, the information is sent back to the credit bureaus. I contacted the court and they advised me they DO NOT disclose, release, or verify any information with the credit bureaus or an y 3rd parties. I decided to call TransUnion back, spoke with another rep this time and they advised me  that the information is verified by a runner that goes to the courthouse to " verify. '' I asked what information does the runner give to the courthouse and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that so I spoke with a  manager that stated that since this was a reinvestigation, no runner was involved. The manager  advised me that TransUnion uses a " form '' that they send to the courthouse. I asked what type of " form '' and where is it sent because the courts confirmed with me that they DO NOT verify with the credit bureaus. TransUnion refuses to give me physical documentation ( whether tangible or electronic ) that they use to verify these items on my report.
Consumer complaint received 2023-04-20
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Capital Accounts, LLC (FL)

On XX/XX/2022 I was taken to the emergency room from my employer XXXX XXXX XXXX, the emergency room my then health insurance coverage was XXXX XXXX. Because it was a emergency XXXX XXXX paid for the billed received from XXXX  XXXX XXXX, XXXX. However the physician portion was billed incorrectly, they billed Medicaid which was not my insurance carrier. I have repeatedly attempted to get this resolved with countless calls to XXXX XXXXXXXX, and they refer me to different billing entities XXXX, called this number and they referred to XXXX which then referred to XXXX I have been disconnected, hung up on and treated extremely rude by all that I have reached out too. 

My final attempt was today to all the above numbers and XXXX when I asked to speak to a manager or supervisor and was transferred to XXXX who was extremely rude and condescending. I explained thoroughly the billing error to which he stated I could not tell him what needed to be done. Refuse to confirm with me my XXXX XXXX member number to make certain that they had the correct information so that they could bill and collect on the outstanding, he stated that they are a collection agency and collect not bill, XXXX XXXX washes their hands and says the agency has to be the one to bill. Bottom line XXXX XXXX  has in likelihood written this off and given it to the collection agency to collect cents on dollar, I will not and emphasize will not allow my credit to be harmed over inefficient billing by the hospital.
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

To Whom It May Concern, I am writing to file a formal complaint with the Consumer Financial Protection Bureau regarding an issue I have encountered with the Department of Education/XXXX . I believe that the Department of EducationXXXX has failed to report my recent payments accurately and has incorrectly charged me interest, which is adversely affecting my credit history and my account balance. The details of my complaint are as follows : 1. Creditor 's Name : Department of EducationXXXX 2. Account Number : XXXX XXXX. Payment Dates and Amounts : - Payment Date : XX/XX/2023 Amount Paid on XX/XX/2023 : {$200.00} - Payment Date : XX/XX/2023 Amount Paid on XX/XX/2023 : {$100.00} I made these payments to the Department of EducationXXXX on the specified dates and in the respective amounts, as documented by my bank statements and confirmations from my payment method. However, to my concern, these payments have not been reported to any of the major credit reporting agencies, including [ List the Credit Reporting Agencies, e.g., XXXX, XXXX, TransUnion ]. Furthermore, I have noticed that the Department of EducationXXXX has incorrectly charged me interest on my account balance. At the time of payment, my outstanding balance should have been {$1000.00}, and I should have had no interest due. However, the department erroneously calculated my balance at {$1300.00}, including an incorrect interest charge. This failure to report my payments accurately and the incorrect interest charge are negatively impacting my credit score, financial standing, and the accuracy of my account balance. I have attempted to contact the Department of Education/XXXX multiple times to resolve these issues but have not received a satisfactory response or resolution. I believe that the Department of EducationXXXX has violated consumer protection laws and regulations by not reporting my payments accurately, and by incorrectly charging interest. I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate actions to ensure that the Department of Education/XXXX adheres to its reporting obligations and corrects the interest charge. I am attaching copies of all relevant documentation, including proof of these payments, my account statements, and any correspondence with the Department of EducationXXXX , to support my complaint. I appreciate your prompt attention to this matter and request that you keep me informed of the progress and resolution of my complaint. You can contact me at [ Your Email Address ] or [ Your Phone Number ] if you require any additional information. Thank you for your assistance in addressing these issues.
Consumer complaint received 2023-11-23
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (TN)

Received an digital letter on XX/XX/22 from Sybchrony Bank stating that they are closing my account due to credit worthiness even though I have never been late and have paid the balance off in full. 

Whereas my friend, who is white, has been delinquent for over XXXX months and to this day he has not received a letter of closure. 

Why then would they close the account of a good standing individual and not the one paying their bills? 

They did the thing to my Lowes account last month even though I paid it on time and rarely was late. 

This is discrimination.
Consumer complaint received 2023-11-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (MI)

On XX/XX/XXXXXXXX  I was notified that one of my three direct loans were moved to LEVEL payment plan. The other two loans were correctly moved to SAVE plan. All loans on REPAYE were supposed to go to SAVE and it appeared correct up until XXXX. Unfortunately now the payment on Level is higher than it should be and one of my three loans will be paid off in the next year. If the SAVE repayment plan eligibility after XX/XX/XXXXXXXX  goes through as planned with making payments for 10 years I will have all of my loans forgiven but less will be forgiven if the loan stays on LEVEL plan. I contacted Mohela through secure messaging on XX/XX/XXXXXXXX  but have not received a response and no change was made. My auto payment went through earlier this week and was higher than it should have been due to Mohela 's error.
Consumer complaint received 2023-11-22
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: ENCORE CAPITAL GROUP INC. (AZ)

I would get calls from Midland Credit Management around XXXX. The representative on the phone never told me they were debt collectors. The representative mislead me to believe I opened an account with Midland Credit Management. I did not jnow they were debt collectors until I receive a summons to court. I contacted Midland Credit Management attorney XXXX XXXX to provide me the original documents with my signature in order to provr this debt is mine.
Consumer complaint received 2023-11-22
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Synerprise Consulting Services, Inc. (KY)

I started receiving calls in the summer of XXXX for a XXXX XXXXXXXX  bill from a XXXX  I had in XXXX of XXXX. I was never sent the disputed bill ( {$920.00} ) and had paid all of the other bills related to this surgery. I asked the callers almost every time to send me proof of debt and they always refused, claiming I should have already have received a bill. I submitted a written request for proof of debt to the company through their on line consumer help website on XX/XX/XXXX. When I continued to receive calls about this disputed debt, I submitted a second on-line request on their consumer help portal on XX/XX/XXXX. I also mailed them a request for proof of debt on XX/XX/XXXX. I have had no reply to date, and I received a call from this debt collector on XX/XX/XXXX at approximately XXXX XXXX  ( XXXX ) from the number XXXX. I told the caller that their company was in violation of the Fair Debt Collection Act and that they had never sent me proof of debt. The caller then hung up on me without further comment. 

The company address is as follows : SCS Synerprise Consulting Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-01
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. (NJ)

erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-22
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Fees charged
Company: Freedom Mortgage Company (NJ)

Dear Sir or Madam, I am writing to file a formal complaint against Freedom Mortgage concerning my FHA loan account XXXX. I have experienced significant and ongoing issues with this lender regarding improper insurance charges and misapplication of mortgage payments. 

Upon the transfer of my FHA loan to Freedom Mortgage, the company added property insurance charges to my mortgage payments despite my existing coverage. After providing proof of insurance, I was advised by a Freedom Mortgage representative, XXXX ( Reference # XXXX ), to remit payment exclusive of the added insurance fees. Despite compliance and confirmation via certified mail ( Article XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), the company continues to send notices claiming my payments are short, and my account statement as of XX/XX/2023, incorrectly shows an amount due of {$13000.00}. 

I have attempted to resolve this issue directly with Freedom Mortgage to no avail. The responses and actions taken by the company have been inadequate and unsatisfactory, leading to undue stress and financial strain. 

I am requesting the CFPB 's assistance in ensuring that Freedom Mortgage : Reimburses any overpayments I have made due to the erroneous insurance charges. 
Applies my payments correctly as per the instructions given by their representative. 
Adjusts my account to reflect the accurate balance after these corrections. 
Provides a clear and detailed account statement post-correction.
Consumer complaint received 2023-11-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (NY)

I lost my phone. And there were unauthorized transfers from XXXX on my bank accounts from different bank. Those transaction taken place between XX/XX/2023 and XX/XX/2023. I talked to my bank snd they denied my claim. And told me that these transactions ate not unauthorized. The amount total of unauthorized transactions is {$1300.00}