davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (CA)

I received a message from Chase that two of my mortgages are enrolled in their Covid 19 'Payment Assistance Program ' and that the program has just been extended on these loans for another 3 months because they didn't hear from me. However, I never signed up for this program and I do not want it. I initially inquired about this program but decided against enrolling. Because I never enrolled, I don't know what the ramifications are to my accounts but I am worried it might have an effect on my payments or interest charged or some other aspects of my loan.
Consumer complaint received 2023-12-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (AZ)

I applied for the new XXXX plan in XXXX of XXXX. My new payment did not show up on my account for well past my first due date of XXXXXXXX. When I got the updated bill it was not sent to me with XXXX weeks notice although it was back dated to make it look like I had received it earlier. I then received correspondence saying my XXXX plan was approved and my new payment was {$290.00} due XX/XX/2023. However my account still showed my old payment of {$360.00}. 

I sent several secure messages during the time that went unanswered for weeks. I finally called XX/XX/2023 and waited on hold for over an hour before I spoke with a rep, XXXX. She initially said my XXXX plan payment was due on XXXX. But my old payment was still due in XXXX. I asked her to investigate this because thay made no sense when I had applied for the new payment plan in XXXX. 

After a few minutes she came back on the line to let me know that they will put my account in a admin forbearance at this time and my first payment will not be until XX/XX/2023. However my account now shows my new payment due but my account is overdue for my original amount. I have once again sent several secure messages without response. 

My account is accruing interest even though this should not happen while on the XXXX plan. I do not want my credit report effected due to the error in processing my loans.
Consumer complaint received 2023-06-21
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (NH)

Comenity Bank continues to call us on different phone numbers. We block XXXX number and a few hours later they call on another. XXXX time they left a message for a XXXX someone whom we do not know. We have no relationship with commenity and our credit score is XXXX!! We have our number on the XXXX list and have reported them repeatedly!! 
Please help! 
Thanks
Consumer complaint received 2024-04-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I understand that according to FCRA 605B, it's vital to remove any inaccurate accounts from my credit report. Could you please review the documents? I've noticed that many of the listed accounts seem to be incorrect, and this is concerning to me.
Consumer complaint received 2023-12-09
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (NC)

I opened a credit card with care credit back in XX/XX/2023, to cover vet bills for my XXXX dogs. One of my dogs was/ is having serious health issues and I just didnt have the funds out of pocket so I opened the credit card. My balance is now XXXX. XX/XX/XXXX I made the first purchase at XXXX XXXX XXXX XXXX  for XXXX. XX/XX/XXXX I made a successful payment of XXXX to the account. XX/XX/XXXX I made a second purchase of XXXX. XX/XX/XXXX made a purchase of XXXX. XX/XX/XXXX made a successful payment of XXXX. XX/XX/XXXX made a purchase of XXXX. XX/XX/XXXX made a purchase of XXXX. XX/XX/XXXX made a successful payment of XXXX. XX/XX/XXXX made a successful payment of XXXX. XX/XX/XXXX made a successful payment of XXXX. XX/XX/XXXX made a purchase of XXXX. XX/XX/XXXX made a successful payment of XXXX. XX/XX/XXXX made a successful payment of XXXX. XX/XX/XXXX made a successful payment of XXXX. XX/XX/XXXX made a purchase of XXXX. XX/XX/XXXX made a purchase of XXXX. XX/XX/XXXX made a purchase of XXXX. XX/XX/XXXX made a successful payment of XXXX. XX/XX/XXXX made a successful payment of XXXX. XX/XX/XXXX made a successful payment of XXXX. XX/XX/XXXX made a successful payment of XXXX. XX/XX/XXXX made a successful payment of XXXX. XX/XX/XXXX made a successful payment of XXXX. They have now cancelled my account because XXXX or maybe XXXX XXXX $ payments bounced. This is my first credit card account and I am XXXX XXXX XXXX. I am very upset that this happened because I have made multiple payments a month whenever I can and most of the time it is more than the minimum payment. And they have cancelled my entire account due to XXXX or XXXX bounced payments. It is ridiculous. Please help me reopen this account.
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 — Account status incorrect
Company: EQUIFAX, INC. (NJ)

Hi CFPB Team, I have been trying to resolve this account issue with XXXX, Equifax, XXXX as well as XXXX, but to no avail. I have a credit card reporting on my credit that has late payments. This was never the case. Each time that I submit a dispute for the bureaus to correct these billing errors. They have not changed the status of the account to good standing. The economy is not getting better and interest rates are rising. These late payments that are being reported to my file are holding me back from receiving the best interest rates that are available today. I am depressed and distressed by this negative information being reported. This is my last attempt to dispute this before taking legal action towards these bureaus.
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

As of XX/XX/2024 Several closed accounts are still showing up on two of my credit reports, but deleted on one. According to the FCRA, all reports must match with accuracy.
Consumer complaint received 2023-02-25
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: United Revenue Corporation (TX)

I am allowed under the XXXX law ( XXXX XXXX Portability and Accountability Act of 1996 ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX for them to release my medical information to a third party. I understand that the HIPAA does allow for limited information about me but any details may only be revealed with the patients authorization, therefore my request is twofold and as follows : Validation of Debt and HIPAA authorization - Please provide a breakdown of fees including any and all collection costs and medical charges- Please provide a copy of my signature with the provider of service to release my medical information to you - Immediately cease any credit bureau reporting until debt has been validated by me Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant will be a violation of the FDCPA because you will be deceiving me after my written request. I am requesting full documentation of what you received from the provider of service in connection with this alleged debt. 

Furthermore, any reporting of this debt to the credit bureaus prior to allowing me to vali-date it may be a violation of the Fair Credit Reporting Act, which can allow me to seek dam-ages from a collection agent.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.
Consumer complaint received 2023-04-17
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: MRS BPO, LLC (NJ)

MRS BPO LLC sent communication via mail dated XX/XX/2022. XXXX XXXX has no business with this company nor does the company have authority to any communication. WHO is sharing my private information? I have no interest in conducting any business with MRS BPO LLC, I have no idea who they are. They claim I owe a debt of {$2200.00}.
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2018-08-20
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Fair Financial Corp. (CA)

I lease a XXXX  XXXX XXXX through the Fair app. Initially paid deposit through app and after receiving my first mailed bill, I made my first payment by phone in XX/XX/XXXX to ensure it got in on time. At that time I set up a recurring monthly payment through Fairs billing entity XXXX XXXX XXXX for XXXX on the XXXX of each month. 

For background, Fair sends customers a billing notice telling them they can make payments the following way : 1. One time phone payment 2. Set up monthly recurring payment ( sends you to the XXXX XXXX XXXX   number ) 3 By mail Thinking I was set up I left for vacation in XX/XX/XXXX. Didnt notice at the time my account was charged that month TWICE. Once by XXXX XXXX XXXX as I expected, but another charge from the Fair app itself for the same amount!! 

Happened again. XX/XX/XXXX duplicate charges from these two entities on my statement. 

Talk to Fair customer service ( by text because they barely have customer service ) and they send you to their billing department - which ends up being XXXX XXXX XXXX. 

XXXX XXXX XXXX tells me they only handle their own charges not those from Fair app. I ask why on earth they exist if Fair is already handling their own payments by app and why do you not have visibility to other duplicate payments Ive made. Rep has no answer. 

Talk to Fair customer service, by text as usual, and rep tells me to call the billing department. Again. I inform him there are 2 entities billing me. He has no clue about this or what to do. 

1. No where does Fair inform consumers they DO NOT NEED to set up monthly recurring payments as they are already set up when they contract with Fair. 
2. And yet, Fair mails out an invoice monthly telling consumers you have the above mentioned 3 ways to pay ... as if you arent already set up in the app. One of the ways is to set up a monthly payment with a 3rd party Payment Servicing entity. Which results in duplicate billing. 
3. Fair reps are untrained and have no clue how customers get billed and do not assist. 
4. Fair has 2 billing entities that do not have visibility to one another, and apparently no way to track, manage or catch duplicate payments. If they even care to do so. 
5. Fair has been extremely and willfully negligent in its management of monthly payment processing, as well as careless and confusing with incorrect and misleading billing information that is sent to consumers. 


There is no efficient or effective way to get assistance with Fair as they dont even understand how their company billing is set up. They are a circus with no concern for customers. 

Their duplicate billing has put me over my credit limit two months in a row, affected my credit rating, interest, and most importantly negatively impacted my vacation when I could not pay for my last hotel, unknowing they had double dippled on my card. 

I expect the charges from Fair Financing for XX/XX/XXXX and XX/XX/XXXX to be reversed and the company to get itself together with regard to their financial systems and payments.
Consumer complaint received 2024-04-12
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. (VI)

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure
Consumer complaint received 2023-05-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Patient Accounting Service Center (PA)

My name is XXXX XXXX I am a consumer submitting this complaint on the behalf of my self without any influence from any third party being involved. Fraud had been committed, Arstrat is using extortionate means to collect on an alleged debt. I do not owe that resulted from extension of credit which violates tittle 18 USC 892-894 and constitutes racketeering actives and extortion. A collection letter from Arstrat dated XX/XX/XXXX was revecied at my home. on XX/XX/XXXX I sent a debt validation letter. 
This is a notice sent as per the Fair debt Collection Practice Act ( F.D.C.P.A ) 15 U.S.C. 1692 ( G ) section 809 ( B ). This is a request for accounting request raiding list of collateral or statement of account reference to U.C.C 9-210. This authenticated record must include all tax fillings ( including all 1099 's, and 1098 's ) any and all trades and /or investments and /or interests associated with this account of which I am alleged to be a party. 

This is also a Notice exercising my rights to prevent the processing of my personal data by Arstrat. Please be advised that providing a memorandum or other statement from your agency, stating that Arstrat the assignment of the account was transferred shall be deemed insufficient. Failure to substantiate the claim, please settle the accounts immediately and cease and desist all communication and have these trade lines deleted from my consumer report if reporting. PLEASE BE ADVISED YOU ARE IN VIOLATION OF MY CONSUMER RIGHTS AND THE FDCPA. On XX/XX/XXXX and XXXX a cease and desist was sent to Arstrat from communicating through any and all mediums. Arstrat has shown willful non compliance after receiving a cease and desist and still continuing to harass me with collection attempts.
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

The Credit reporting agency has not thoroughly investigated this account and been reporting damaging information to my credit report. The company has violated my consumer rights. According to the FCRA, credit reporting agencies are required to ensure the MAXIMUM accuracy and integrity of the information they report. The presence of this fraudulent account is severely impacting my ability to obtain credit.
Consumer complaint received 2024-04-12
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. (WV)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2018-08-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AMERICAN EXPRESS COMPANY (UT)

My top secret security clearance was cancelled due to information my company received from American Express regarding charges on my company credit card. I have asked for signed charge slips for all charges, especially the obvioius fraud to XXXX for over {$16000.00}. I plan to file a police report. In the past I have asked for explanation for these charges but have never received them. I am hoping CFPB can help me clear my name.
Consumer complaint received 2020-09-10
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NRA Group, LLC (MA)

This complain is regarding XXXX XXXX and their collection agencies brutal and dishonest practices. I was on deferred plan to pay my gas bill back in XXXX. When I moved out of that rental place and closed my utility account - I recieve my final bill. Since I was keeping very accurate records - I noticed immediately that my last bill for that account was inflated - it looked much higher than I estimated. I disputed it directly with XXXX XXXX and sent them my detail excel spreadsheet reconciliation showing how much you date I was billed for and how much you date I paid. They never even bothered to counter back and show why they think their calculation is correct. They just responded back that if I don't pay the remaining balance - they will make sure to ruin my credit score. And they did. As the last attempt, few months ago in 2020 now I attempted to resolve this matter with their collection agency. I even offered to settle the amount that I didn't owe in the first place. Well, the collection rep. had a very big mouth and nasty attitude ( no shocker ) and said that no matter how much proof and reconciliation I sent to her or to XX/XX/XXXX - it won't matter because I quote " they are always right. '' I feel insulted and unprotected as a hardworking consumer because monster companies like XXXX XXXX allowed to monopolize and overrule the utilities market and abuse their consumers rights. I'm not building much illusion that this complain will solve anything. I'm just putting it out here in hopes to make it public and see if the class action can be initiated against these monsters.
Consumer complaint received 2024-03-03
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (CA)

My credit score dropped a lot, so i checked my credit report. There is an credit card that I never known. 
credit card company : XXXX XXXX Account number : XXXX ( x stand for number that doesn't shown in credit report ) date opened : XXXX XXXX balance : {$10000.00} credit card company address : XXXX XXXX XXXX XXXX, DE XXXX Phone number : ( XXXX ) XXXX
Consumer complaint received 2023-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (CA)

Discover is reporting false information on my credit report. I have disputed this item with the credit reporting agencies many times but Discover keeps verifying this false information as accurate. This is a clear violation as I am providing screenshots of the false information.
Consumer complaint received 2024-04-12
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

TransUnion Credit Dispute Department XXXX XXXX XXXX XXXX, PA XXXX XXXX  Dispute Department XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Credit Dispute for Account Reporting Violations Dear Sir/Madam, I am writing to dispute the accuracy of information on my credit report, specifically regarding the accounts listed below. As per the Fair Credit Reporting Act ( FCRA ), I have the right to ensure that the information reported on my credit file is accurate, fair, and substantiated. In accordance with 15 USC 1666b, creditors are obligated to provide timely information as outlined in section 1637b, which they have failed to do so. 

I am requesting proof that the required information was mailed or delivered 21 days before the payment due date, as mandated by law. Failure to provide such validation would render late payment reporting invalid, thus requiring the removal of these derogatory marks from my credit report. 

The accounts in question are : XXXX. XXXX XXXX  Account Number : XXXX XXXX. XXXX XXXX  Account Number : XXXX XXXX. XXXX XXXX  Account Number : XXXX XXXX. XXXXXXXX XXXX  Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX I request that you conduct a thorough investigation into these matters and provide me with documented proof of compliance with the aforementioned consumer protection laws. If such evidence can not be provided, I expect the inaccurate reporting to be promptly removed from my credit file. 

Please inform me of the steps taken to address this dispute and the resolution thereof. You may contact me at the provided phone number or email address to discuss any further information required to facilitate this process. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (MD)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced