davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-30
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: Freedom Mortgage Company (MO)

Due to an annual escrow analysis, it was determined that my escrow was falling behind Freedom Morgage 's minimum required buffer amount of {$600.00}. They notified me in XXXX ( during a pandemic and nationwide shut down ) via letter that I could pay in full, or, the balance owed would be added to my monthly payment. I reached out to them via email, phone and their website with no return engagements from any avenue. Proof of those attempts can be provided. 

My payment is on autopay via electronic check from my bank and I have paid an extra {$100.00} per month for years. 

They received my payment of {$1500.00} ( my required payment was {$1400.00} ) on XX/XX/XXXX. On XX/XX/XXXX, they added the additional amount to my total due to account for the escrow imbalance for a total due on XX/XX/XXXX of {$1600.00}, leaving a balance on my XXXX payment of {$39.00}. 

I caught it, added that to my XX/XX/XXXX payment and submitted the payment early. The funds were taken from my account on XX/XX/XXXX. Proof can be provided of that. 

They chose not to apply my payment of {$1500.00} on XX/XX/XXXX as well as my payment for the remaining {$39.00} received on XX/XX/XXXX until XX/XX/XXXX despite receiving it days/weeks earlier. Two weeks after applying my paymentsfor XXXX and XXXX on XX/XX/XXXX, they submitted a report to the credit bureaus that I was more than 30 days late for my XX/XX/XXXX payment and listed it as being the full amount late ( {$1600.00} ) Despite my providing Freedom Morgage proof that they received payment on XX/XX/XXXX and their claiming in a letter to me that funds are applied as they are received ( the XX/XX/XXXX funds were NOT applied when received ) they have refused to correct the error on my credit report. The result of their actions was a drop in over 100 points to my credit score based on a presumed {$39.00} shortfall. That money was received PRIOR to XX/XX/XXXX. 

It is my opinion this could be an intentional act on their part to drive up my interest rate for a refinance. They were aware that I was trying to refinance with them and had been working with them since XXXX on that. But even if I give them the benefit of the doubt, they are not acting in good faith with me, who in my almost 4 year history as a customer of Freedom Mortgage has NEVER paid them, or anyone else I have an account with, late. That information can also be verified via my credit report on all three agencies.
Consumer complaint received 2023-10-19
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: ALLY FINANCIAL INC. (SC)

So to set the scene : For about 2 years I have been working with XXXX and their credit card and recently were bought out or transitioned over to Ally. Well XXXX and XXXX my payments did not withdraw as I expected them too which was in part my fault as I did not transfer quite enough over to that account for the payment to process, However I have NEVER been more than a few days late on rare occasions. So I check my account to see the new app and find my XXXX payment failed. I also find out my Interest had been raised to 30 % without any reason or warning. I asked about lowering my rate after being a good customer for 2 years and was told no. In fact they encouraged and heavily implied the only way they looked at lowered interest was by not making payments. So opting not to ruin my credit for a few percent of interest I tried to make my payment online and found I could not and that my Routing and Account number had been 'Blocked '. So I call back in and find out due to my payments not going through that I was no longer able to make my payment using their app, online, or phone services but was then told if I was 35 days late I could pay with a debit card. Wow! What a deal that will no way affect my credit worthiness. So instead of them having any customer service whatsoever they double down and told me there is no way I can pay with my only method of payment and no one I could talk to. I feel like this needs to be rectified as this is affecting my credit over time and they are not even attempting to assist me or accommodate me and then saying there is policy and verbiage which I never signed with them or agreed to, nor have I previously or ever been warned about. I would totally understand if this outcome had I been warned of it but this is out of nowhere WEEKS after moving to a new company which has had nothing but an awful experience. Had I known and been able to pay this off in one go I would have to avoid this awful company.
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MN)

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. XXXX. 
XXXX XXXX XXXX. Has violated my rights. 



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 furish 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
Consumer complaint received 2023-10-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY (FL)

My name is XXXX XXXX, and I am the owner of XXXX XXXX XXXXXXXX XXXX, a small business in Florida that has had a productive and successful partnership with TD Bank for over XXXX years. I am writing this complaint to bring to your attention an issue that has significantly impacted my business and livelihood. 

Around XX/XX/XXXX, I visited the TD Bank branch in XXXX XXXX, Florida, to report an ACH fraud incident that I did not initiate. The bank staff informed me that they would need to wait until the matter was resolved before taking any action. Subsequently, the ACH transaction was confirmed as fraudulent over the following XXXX days, and the bank advised me to open a new account, with the assurance that the XXXX department would return the amount. I acted promptly and, around XX/XX/XXXX, I opened a new account and the bank transferred the amount, believing that the issue had been resolved to my satisfaction. 

To my dismay, in XX/XX/XXXX, I received a collection letter demanding the exact amount that was supposed to have been returned by the fraud department. Distressed by this turn of events, I promptly visited the branch again, presented the collection letter, and sought assistance. The bank representative promised to investigate the matter and took my contact information. 

However, it wasn't until the middle of XX/XX/XXXX that I received a call from the bank representative who, to my shock, informed me that there was nothing the bank could do, and I would be required to pay the full amount. I was deeply perplexed by this sudden reversal, as I had received no communication, neither via email, mail, nor phone calls, explaining the reasons for this decision. To make matters worse, on XX/XX/XXXX, the bank deducted the disputed amount from my account without any prior notice or explanation. 

This situation has caused a significant financial burden on my business, and I have already had to let go of two employees due to the loss incurred. 

I kindly request that you review the details of this case and for the bank to reverse the unjust deduction from my account and provide a clear and transparent explanation for the course of events. My intention is not to challenge the bank but to seek an equitable and fair resolution that can help me recover from the financial distress this issue has caused my business.
Consumer complaint received 2021-08-26
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: EQUIFAX, INC. (CA)

Hi, I have a BK reporting on my report that should NOT be there. 
First off, each bureau is reporting DIFFERENT referance #. Secondly, they all are reporting different file dates. THIRD, they are reporting different courts! 
This is one of the numbers I have from them, # XXXX. 

FOURTH, I reached out to the courts listed, and they do NOT report to credit bureaus. I wrote the bureaus multiple times and they keep saying its verified. Verified by who? 
I ALSO reached out to XXXX XXXX and XXXX nexus said they have NO file for me. 
Its obvious they should have deleted this LONG ago. 
Please have them delete. 

Attached is my report as well as letter from XXXX.
Consumer complaint received 2023-11-30
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (CA)

Did not receive Chase {$900.00} Bonus for opening new Checking + Savings accounts. 

Terms : Chase is offering a checking & savings bonus worth up to {$900.00} * Receive a bonus of {$300.00} when you open a Chase Total checking account and have a direct deposit post to the account within 90 days. 
* Receive a bonus of {$200.00} when you open a Chase savings account and deposit {$15000.00} or more in new money within 30 days and maintain a balance of {$15000.00} for 90 days. 
* Receive an extra {$400.00} bonus when you complete both of the above bonuses. 

XX/XX/2023 - Opened Chase Total Checking and Savings accounts XX/XX/2023 - Deposit {$15000.00} into Savings account XX/XX/2023 - Direct Deposited {$100.00} into Checking account Never received any bonus. 

Called Chase customer service and provided coupon code " XXXX XXXX XXXX XXXX '', but was told the coupon code had expired. 

A case was opened by Chase customer service, but never got a reply. 
Chase Case number : XXXX
Consumer complaint received 2022-10-28
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. (IL)

I Didn't give consent to any organization or financial institution XXXX credit reporting agency to share my information, PURSUANT TO 15 USC 1681 ( A ) ( 4 ) A CONSUMER REPORTING AGENCIES MUST EXERCISE GRAVE RESPONSIBILITIES, IMPARTIALITY AND A RESPECT THE CONSUMER PRIVACY.
Consumer complaint received 2023-10-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (ME)

Despite satisfying the requirements of Public Service Loan Forgiveness ( PSLF ), Mohela, my student loan servicer, has not updated my qualifying payment counts and has not forgiven my student loans. 

My loans and my employment satisfy the requirements for PSLF.

I have routinely filed Employment Certification Forms ( ECF ) with my student loan servicers. In XX/XX/XXXX Mohela correctly reflected that I had made 108 qualifying payments based on my most recent ECF. 

On XX/XX/XXXX, I submitted my final ECF to Mohela because I had completed enough payments to qualify for forgiveness under PSLF. 

On XX/XX/XXXX, the form was marked as " processed '' on Mohela 's website. 

As of today, XX/XX/XXXX, ( 139 calendar days and 96 business days since the submission of my final ECF ) my payment counts have not been updated and still reflect 108 qualifying payments. Mohela has not contacted me that there was any issue with the form and has not taken the action the form requires. This is an unreasonable amount of time to wait. I am entitled to forgiveness now.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (AL)

Experian is reporting bankruptcy on my credit report and they have put in a date of furnish XX/XX/2015 & XX/XX/2015 US BKPT CT XXXX Which is false. I have attached a letter from the United States bankruptcy court XXXX XXXX XXXX XXXX verifying and stating they dont furnish information over to any credit reporting agencies. Experian is falsely stating this information on my credit report and has yet to removed this false information from my credit report.
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (FL)

XXXX  XXXX XXXX reported that I used there accounts fraudulently. That information they reported was fraudulently, my account was compromised and I received a call from XXXX & I notified them that it wasnt me and they indeed said the fraudulent action that was taken on my account would be canceled and then they mentioned a few days later my account would be closed. Ive been disputing this for months and they said it was verified as in they did not take the extra steps to verify any signatures on the fraudulent check that was deposited, XXXX address or anything as in it wasnt me. The company responded with a mailer stating that the fraud information they noted on my XXXX XXXX XXXX  and chexsystem that was false was no longer reported and listed as they removed it but it is still listed and Im still getting denied and declined for bank accounts. They have lied again just as they lied and put this false information on my report, lied and said they removed it and its not reporting which it is.
Consumer complaint received 2023-10-19
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: DISCOVER BANK (NC)

In XXXX my wife  had XXXX my bill was due on XX/XX/XXXX. I have had perfect payment history on all my bills credit over XXXX never been 30 days late on any credit card. I got an alert text from Discover that my bill was due on XX/XX/XXXX I went in made a payment and it cleared on the XXXX for XXXX dollars well over the minimum due. I did not realize I was ever late on my credit card I got an alert from XXXX XXXX  that I had missed a payment. I immediately called Discover Bank they said I missed XXXX and that I paid on the XXXX of XXXX I was considered 60 days late. My credit went from XXXX to XXXX. I apologize explain to what happen they said sorry to hear that but there is nothing they can do. I have an opportunity to work at XXXX as a XXXX XXXX however my minimum credit score has to be XXXX now I will be losing this great opportunity because of this miss payment on my credit. I offered to fully pay in full they said they can not do anything. I told them I read up they can do a Goodwill Deletion they refused completely to help me. I do not know what else I can do. This really hinders me and cost me my partnership with XXXX. Please help
Consumer complaint received 2024-03-14
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. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX  Experian XXXX XXXX XXXX XXXX, TX XXXX Dear Experian, I am writing to formally dispute the collection account associated with XXXX XXXX XXXX  XXXX, Account XXXX, which appears on my credit report. Upon reviewing my credit report, I discovered this entry, which I can confirm is inaccurate and does not belong to me. 

Firstly, I have never received any notification or correspondence from XXXX XXXX XXXX XXXXXXXX regarding this debt. I have repeatedly requested proof, such as certified mail, demonstrating that they have purchased this debt and informed me of its existence, but to no avail. It is important to note that this debt has also surpassed the Florida statute of limitations for collection, further underscoring its invalidity. 

Additionally, my attempts to resolve this issue directly with XXXX XXXX XXXX XXXXXXXX have been met with silence. Despite reaching out through channels such as the Consumer Financial Protection Bureau ( CFPB ) and the XXXX XXXX XXXX ( XXXX ), they have failed to respond to my inquiries and verification requests, which is a clear violation of my consumer rights. 

Moreover, I have lodged multiple disputes regarding this erroneous information with Experian in the past. However, I have yet to receive satisfactory clarification on how this information was verified and who was consulted in the verification process. As per consumer law, including 12 CFR 1006.34 ( c ) ( 4 ) ( i ), 12 CFR 1006.34 ( B ) ( 5 ), 12 CFR 1006.34 ( D ), and 15 USC 1681s-2 ( a ), I am entitled to know the specifics of how this debt was verified, especially considering it does not pertain to me. 

Therefore, I urge Experian to thoroughly investigate the validity of this collection account and provide me with detailed information on the verification process. It is imperative that this inaccurate information be promptly removed from my credit report to prevent any further harm to my creditworthiness. 

Thank you for your attention to this matter. I look forward to your prompt resolution and the removal of the disputed item from my credit report. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (OH)

I XXXX XXXX have disputed phone numbers on my credit report with Experian. These are the cellular numbers I'm disputing : XXXX these numbers are from my phone being compromised on several occasions. Everytime I change the number they would compromise that number. My new number is XXXX. 
And what is up with these in the yellow school buses, do they work in the different stores around town, they have no name tags.
Consumer complaint received 2018-05-11
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (IL)

I am a single mother of XXXX. I work full-time and I'm in school studying to be a XXXX XXXX. I'm hoping to be certified by the end of the year. I am struggling with my mortgage payments. I am 4 months behind and I'm concerned I'm going to lose my home.
Consumer complaint received 2018-05-11
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BMO Bank, N.A. (FL)

BMO Harris promised a {$200.00} new checking account bonus in exchange for a few requirements. They were all fulfilled, including receiving direct deposits from my employer 's brokerage account. The deposits required, at the time, were of {$300.00}, the ones I received were above {$500.00}. Nevertheless, I have received no bonus, yet.
Consumer complaint received 2023-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

To whom it may concern : Account name : XXXX XXXX XXXX You are reporting this collection as an " OPEN ACCOUNT '' which is not under FCRA compliance. This is inaccurate reporting and needs to be removed immediately. 

Section 623 of the FCRA and Regulation V generally provide that a furnisher must not furnish inaccurate consumer information to a CRA, and that furnishers must investigate a consumer 's dispute that the furnished information is inaccurate or incomplete. 

Per the FTC WEBSITE ACCURACY When you provide information to a CRA, you have obligations under the FCRA to ensure the accuracy of the information you furnish. As a rule, its illegal to report information that you know or believe is inaccurate. You have " reasonable cause to believe '' that information is inaccurate if you have knowledge, other than allegations from the consumer, that would lead a reasonable person to doubt the accuracy of the information. FCRA Section 623 ( a ) ( 1 ) ( A ) Delinquent Accounts When you refer an account for collection and notify a CRA that you have done so, you also must report the date of delinquency to the CRA within 90 days. The date of delinquency is the month and year the consumer 's delinquency resulting in the referral began, see the examples below. FCRA 623 ( a ) ( 5 ) ( A ) the CRA must delete the disputed information from its files. FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 )
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Self Financial Inc. (MN)

Dear Consumer Financial Protection Bureau, I hope this message finds you well. I am writing to bring to your attention an erroneous reporting made by Self Inc to the credit bureaus, which has adversely affected my credit score. I discovered in XXXX that an account under my name with Self Inc had been reported with late payments, despite the fact that I did not open this account and had no knowledge of its existence until then. 

Upon discovering this, I immediately contacted Self Inc to request the closure of the fraudulent account. However, despite my request, the account remained active. Furthermore, when I asked Self Inc to provide verification that I had indeed opened the account, they failed to provide any useful information that could ascertain the legitimacy of the accounts opening. 

This incorrect reporting has not only impacted my credit score negatively but has also caused me a great deal of stress and inconvenience. I have taken steps to resolve this issue with Self Inc directly to no avail. Therefore, I am seeking the assistance of the CFPB to investigate this matter and to ensure the necessary corrections are made to my credit report promptly. 

I am willing to provide any further information or documentation required to support my case. Please feel free to contact me at ( your contact information ). I earnestly look forward to your prompt intervention to rectify this erroneous credit reporting. 

Thank you for your time and consideration.