davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-12
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company (WY)

-On XX/XX/XXXX I received an email from Freedom Mortgage notifying me that they had conducted an Annual Escrow Account Analysis for the first time since they had acquired my VA XXXX XXXX Mortgage Loan from my original server in XXXX of XXXX. Accessing that Escrow Account Disclosure Statement ( actually dated XX/XX/XXXX ), I learned to my chagrin that even though the year-end escrow account balance was only- {$220.00} ( and which was corrected with the next escrow payment 4 days later to + {$160.00} ), Freedom Mortgage insisted that Id had a Shortage in my escrow account of {$4100.00}, and that I would have to send them a check in that amount right away or passively accept an automatic 37 % increase in my monthly mortgage payments ( from {$1300.00} to {$1800.00} ) to cover their charges in a XXXX Shortage Spread. 

-The next morning I immediately called a Freedom Mortgage Customer Care Representative ( CCR ) as soon as they had opened ( XXXXXXXX XXXX ) and asked that they explain their justifications for claiming that Id had such a Shortage and that they could already alter my Account Page on their website to commence extracting the higher automatic mortgage payments from my checking account. I was told by XXXX different CCRs over XXXX serial telephone calls that the extra Shortage charges were being enacted in order to build an Escrow Cushion for Freedom Mortgage, and that there was nothing I could do about their analysis results or subsequent account management decisions. 

-When Id then asked during the second telephone call ( made at XXXX on XX/XX/XXXX as well ) to speak with a CCR supervisor, ( and after Id pointed out to her that their Projected Minimum Balance for my escrow account was actually THREE TIMES LARGER than the escrow cushion allowed by the Consumer Financial Protection Bureau-enforced restrictions of 12 CFR 1024.17 ( c ) [ Limits On Payments To Escrow Accounts ] ) she reported to me that she could offer me two other options to resolve this issue, those being : 1 ) She could arrange to spread the {$4100.00} charge over 60 months. 
or 2 ) I could change my status to Escrow Free and manage my own escrow account payouts directly, thus leaving Freedom Mortgage to bill me ONLY for the monthly Principal and Interest payments of my mortgage loan from then on! 

-After Id eagerly accepted the second option on the phone then, and after two Secure Message Center in-house emails and one Qualified Written Request sent by USPS Priority Mail later to reemphasize my desire to go Escrow Free from Freedom Mortgage BEFORE the first inflated automatic payment has been taken by them from me in less than XXXX weeks, Ive still received no answer either way.
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am frustrated because I am being taken advantage of by this credit bureaus. I have filed a dispute of inaccurate information that is reporting incomplete. Incomplete information is inaccurate and thereby not supposed to be on my report.
Consumer complaint received 2024-01-11
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Federal Adjustment Bureau, Inc. (OH)

To whom it may concern : XX/XX/2023 Per the Fair Credit Reporting Act, As a federally protected consumer, I am opting out of any and all authorization I the consumer may have given you written, unwritten, verbal or nonverbal per 15 : USC-6802. 
Thank you XXXX XXXX XXXX Nothing happened
Consumer complaint received 2024-01-11
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: TRANSWORLD SYSTEMS INC (FL)

I have an inaccurate account on my credit report and i used the XXXX credit agency to right the wrong and provide me with proof of said account or have it removed and neither was done. Please provide me with all proof of accounts. Thanks
Consumer complaint received 2024-01-12
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: National Recovery Solutions, LLC (NY)

I am writing to formally register a complaint against National Recovery Solutions for repeated and unauthorized telephone communications that I believe are in breach of the Telephone Consumer Protection Act ( TCPA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Gramm-Leach-Bliley Act ( GLBA ). 

XXXXXXXX XXXXTCPA Violations ( 47 U.S.C. 227 ) : XXXX I have received unsolicited calls from National Recovery Solutions without my prior express consent, in clear violation of the TCPA 's stipulations against auto-dialed calls and prerecorded messages. 

XXXX. XXXXXXXXFDCPA Violations ( 15 U.S.C. 1692c ) : XXXX  The company has improperly communicated with a family member about my alleged debts without my authorization or acknowledgment of such debts. This action is in direct contravention of the FDCPA, which prohibits debt collectors from contacting third parties regarding a debtor 's obligations without explicit consent. 

XXXX. XXXXGLBA Non-Compliance ( 15 U.S.C. 1681 ) XXXX XXXX The methods of communication employed by National Recovery Solutions raise serious concerns about the protection and confidentiality of my personal information, suggesting non-compliance with GLBA regulations. 

Additionally, these calls have originated from multiple numbers, including a XXXX number, which may indicate deceptive practices. 

I have not yet received any debt validation or provided written consent for these communications. In light of these violations.
Consumer complaint received 2024-01-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Healthcare Management, LLC (MN)

They had been calling my mothers phone number non stop for the last week. She finally answered and they said they were looking for me. So I called them today. 

I tried calling multiple times and they keep hanging up on me and now just will flat out not answer me. I was trying to get verification of the debt the one woman who I first spoke to told me. 

She said it was a payday loan from years and years ago and that it was originally {$500.00} but because it was never paid, ballooned up to over {$2000.00} dollars. I have never once had a payday loan, and I dont even think they are legal in MN. She stated that its been sent to the credit bureaus. 

But the moment I started to ask for the verification of debt because I wanted to forward it my bankruptcy attorney, she hung up and now nobody will answer. 

This debt is most likely fraudulent and they are refusing to help with the verification of debt. 

The name stated when I called the number thats been calling and phone number is below : AR Services ( XXXX ) XXXX
Consumer complaint received 2024-01-12
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: Consumer Portfolio Services, Inc. (TX)

They have incorrect information on file about me that Ive never gave permission to use, theyve pulled inquiries that Ive had no idea of. And I have collections from a few that Ive had no part in at all.
Consumer complaint received 2024-01-10
Product: Prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (CA)

Hello, so I have a few Amex prepaid gift cards totaling the amount of {$990.00} from XXXX gift cards total. I have tried to use these gift cards everywhere and they get declined every single time. I reached out to Amex and they told me to make sure the amount Im using is covered fully by the balance which they were. They also suggested using the card physically in the store vs using it online but I did state that I was using it in a physical store and it get getting declined and every location I tried to use it at assured me it wasnt on their end but an Amex end. Amex only resolution was to mark my cards lost or stolen but they have not been lost or stolen, I have them here. And its not XXXX gift card its XXXX seperate gift cards that all get declined. Im not sure what marking them as lost or stolen will do, I feel like this is their sneaky way of keeping peoples money
Consumer complaint received 2023-08-04
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

Fifth-Third bank owns Dividend Finance. Dividend Finance is using fraudulent forged documents to pursue money from me and my wife. They illegally drafted money from my checking account. I never authorized anything with them. In XXXX of XXXX  my XXXX veteran wife and I applied for a solar loan with a representative in our home, on our WiFi. We never used his laptop. Neither my wife, XXXX XXXX, or myself ever saw any loan information or agreed to any loan terms. It was strictly to apply. We had no reason to believe this person was lying to us and trying to defraud us. My wife did not sign the loan XXXX, I did not sign the loan XXXX. The only person filling out the loan information was the sales representative. My wife made Dividend aware as soon as she found out fraud had occurred. It was never investigated, Dividend used the forged documents to state the loan was valid and an excuse of " answered questions ''. I was there, he did ask us questions and we both answered we thought it was part of the loan verification since both of our credits were supposed to be frozen. It turns out that my wife 's XXXX file only was not frozen due to XXXX error which she is dealing with. That is why it does not appear on all three credit bureaus or on my credit report because the sales representative took both of our information and we honestly did not even know until later about it not having both of our names. We were defrauded. Dividend Finance was informed and has not completed a fraud investigation.
Consumer complaint received 2023-07-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

Was scammed by a fake realtor/landlord. I realized it soon after sending my deposit. Chase Bank did little to help me, even after identifying the funds in the account they were transferred to. I was told I would not be reimbursed, there was " nothing the bank could do '' and to " just be more careful next time. ''
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

It has been brought to my attention that you are not blocking files when they're sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA I'm sending this letter by certified mail to help establish a legal recourse. If you chose to not block these items listed below which are reporting inaccurately due to Identity Theft. I will be handling my documents over to my attorney to start a legal action. It's my attention not to pursue any legal action please ad here to the law... 

PLEASE DELETE THE FOLLOWING FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (GA)

To the Officer in Charge, I am writing to provide additional information and an update regarding my previously filed police report ( Incident # : XXXX ) from XX/XX/XXXX. Upon further review and having now secured complete access to all three major credit bureaus, I have identified additional unauthorized financial activity that was not included in the initial report due to the aforementioned limited access. 

On XX/XX/XXXX, while preparing for a prospective home purchase, I conducted a thorough check of my credit report. It was during this check that I first became aware of the fraudulent accounts. The original police report lists some of these accounts. However, I have since discovered two more accounts and a credit inquiry, as detailed below : 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  Additionally, there was a hard inquiry that I did not authorize, which may be connected to this fraudulent activity and is from XXXX. I suspect that my personal information may have been compromised as a result of the XXXX XXXX XXXX XXXX, an incident in which my details were confirmed to have been exposed. There is a possibility that this exposure has led to my information being accessible on the dark web, which may have facilitated this fraudulent activity on my credit report. 

I would like to request that this new information be formally added to the existing report to ensure that all fraudulent activities are thoroughly investigated. Furthermore, I am taking all necessary steps to dispute these accounts with the credit bureaus and have placed fraud alerts on my credit files. 

Thank you for your attention to this urgent matter.
Consumer complaint received 2024-01-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau of America Ltd. (IL)

I contacted XXXX XXXX XXXX numerous times between XXXX and XXXX. I advised that I no longer wanted the service and requested pickup of hot/cold water cooler and empty gallon bottles. I am being charged a monthly fee for the water cooler, even though I requested end of service. I advised that I was entitled to a corrected itemized bill with out the rental fees. I was advised by an agent on XXXX XX/XX/2023 that I will be sent to collections as an 128 day past due, despite the request to cancel service multiple times over the course of several months and request for equipment pickup. I was also advised that they would provide a {$50.00} credit but I must pay in full, despite requesting updated bill that included credit and explanation of rental credit. I was advised that no pick up would be conducted and that the credit will not be provided, I would have to pay bill in entirety. I advised associate that I made numerous attempts to resolve the issue, but previous agents advised that someone would call me back to assist with resolution and pickup of equipment. As of XXXX, it has been well over three months of resolution attempts. The agent yelled at me, advised that no pick up would happen and they will not be providing credit since I refused to pay at this time. I advised agent. I did not want the service in the first place and that I would contact third party for resolution. He advised " I do not care '' This company has subsequently sent this account to a collection agency and has tacked on additional fees for a rental of a water cooler they refuse to take back. They also refused to refund the rental fees
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

My accounts was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2024-04-15
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. (MO)

I am writing to formally request that accounts refrain from sharing my personal information with third-party agencies and organizations, pursuant to the rights granted to consumers under the XXXX XXXX ( 15 USC 6801-6805 ). I have attach a previous letter that Ive sent the creditor in writing. Any further refusal of my request will result in legal action. Thank you.
Consumer complaint received 2024-01-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Vengroff Williams, Inc (CO)

I received a debt collection letter from Vengroff Wiliams , Inc ( XXXX ) for a XXXX  Credit Charge Back in the amount of {$89.00} asking me to pay this amount. I contacted XXXX, XXXX OH ( XXXX ) where my storage used to be located and they confirmed that I no longer have a storage or a balance. 
The address at the top of the letter says : Vengroff Williams , Inc. XXXX XXXX XXXX XXXX XXXX XXXXXXXX. The bottom of the letter says : Vengroff Williams , Inc. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
Account # XXXX. Reference # XXXX.
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I loaned money to an individual through XXXX XXXX XXXX credit union ( XXXX ) guaranteeing the loan with money I have on deposit. The loan is in the individuals name. Trans Union has it listed as a loan to me. I contacted Trans Union and they said it was reported to them through XXXX, I contacted the main branch at XXXX, they said they do not even report to Trans Union. Trans Union told me that they had contacted XXXX to verify that I had a loan with them. The other credit bureaus do not show that I have a loan through XXXX. The incorrect information continues to show up on Trans Union and XXXX XXXX after months of filing complaints with Trans Union.
Consumer complaint received 2023-09-18
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: EQUIFAX, INC. (NY)

After reviewing my Equifax consumer report, I seen XXXX unauthorized hard inquiry from XXXX XXXX on XX/XX/21. Never benefited from this transaction, never gave XXXX XXXX permission to check my consumer report on that date nor gave them permission to add information on my consumer report, Equifax never notified me that they received a request from XXXX to inquirer my consumer report. 

This is infact identity theft. Checking adding information about me without my written permission.
Consumer complaint received 2023-11-13
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. (CT)

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 : XXXX XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX Account Number:XXXX  has violated my rights. Or a 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.