davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-16
Product: Debt collection — Medical debt
Issue: Electronic communications — Frequent or repeated messages
Company: Harris & Harris, Ltd. (AK)

Was contacted on Saturday XX/XX/year> at XXXX PM by automated phone call requesting immedate call back no explaination as to what it concerned call back only to be informed that they was closed and to call back on weekday or make payment automatically, then i have recieved XXXX on XX/XX/year> XXXX  messages demanding payment XXXX XXXX AM which i replied stop to be removed because i had no idea who this was, then XXXX more XXXX came in at XXXX AM demanding payment even though NO ONE has said what this was about. recieved opt out at XXXX PM. i also received first mail letter from them which finally said what this was about on XX/XX/year> through XXXX MAIL, it concerns a bill that has been paid to XXXX XXXX  XXXX XXXX by the XXXX XXXX XXXX XXXX on a referral to them from XXXX. what is concerning is they are making calls that cant be answered on days they can't recieve calls back then send multiple text messages that was never sign up for. they also need to contact Original Debtor to find why they havent removed this as they was paid by a XXXX XXXX. this is harassment and uncalled for practises
Consumer complaint received 2024-05-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Shellpoint Partners, LLC (CA)

On XX/XX/XXXX your attorney your attorney XXXX XXXX of XXXX XXXX contacted me around XXXXXXXX XXXX, she asked me twice that why I filed the lawsuit and I explained to her two times that why I filed the lawsuit. 

She asked me again to explain as she did not understand, I asked her to email me with her questions, she started shouting on me and humiliated me, after that she hung up the phone. She has no manners how to speak to a litigant. These kind of people represent you? I am very surprised. 

After that incident, she hasn't communicated with me and I took out her information from the California bar website. 

Her email is - XXXX and her phone number is XXXX
Consumer complaint received 2024-05-18
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: CITIBANK, N.A. (CA)

HELLO MY NAME IS XXXX XXXX XXXX, I'VE RECENTLY NOTICED SOME UNAUTHORIZED INQUITIES ON MY REPORT & ACCORDING TO THE FCRA THIS IS A VIOLATION OF MY RIGHTS, ANAD ILL LIKE TO THE ACCOUNT REMOVED IMMEDIATELY!
Consumer complaint received 2024-05-18
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CL Holdings LLC (CA)

This is a REVISED complaint in contrast to the previous one that was submitted ; please adhere to the instructions provided for this complaint instead of the initial one. 

This debt collector violated the FDCPA by engaging in abusive, deceptive, and unjust practices. They provided this account in violation of our agreement, and I did not affix my signature to it. Two parties are required to sign a legally binding contract ; I did not take any part in the signing process. Furthermore, in noting my dispute of the account ( s ), they failed to adhere to the correct procedure, which is a clear violation of 15 USC 1692e ( 8 ) and constitutes unjust business practices. I am not alleging identity theft, but rather unjust business practices, third-party communication, and other violations caused by this debt collector 's use of abusive language in correspondence with me while attempting to collect on an alleged debt. Complaints with the Attorney General and the Better Business Bureau have been filed and dispute letters have been mailed to this debt collector ; supporting documentation will be furnished. 

I demand that this company removes my account ( s ) from all three credit reporting agencies due to the violations : XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX If they fail to do so, I will be compelled to escalate the matter to my litigation attorney. I have been advised that the company 's failure to indicate my account as " consumer disputes '' on my credit report constitutes a violation for which I am entitled to take legal action against them.
Consumer complaint received 2024-05-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (CO)

JP Morgan Chase restricted my account for filing a dispute, and now has refused to give me a XXXX person their money XXXX for over XXXX weeks. They refuse to provide info on the matter and it is causing my financial penalties as I do not have access to my money because of JP Morgan Chase targeted discrimination and theft of a XXXX person. 

With prior complaints Chase has lied to consumer financial protection bureau and said things were resolved. They have made no effort to resolve anything.
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (OH)

I am writing to formally request the removal of an inaccurate bankruptcy record currently reported on my LexisNexis credit report. The details of the bankruptcy record in question are as follows : Type of Bankruptcy : [ XXXX  XXXX Reporting Error : The reported information is incorrect, which may be due to administrative or clerical errors.

To substantiate my request, I am providing the following documentation : A copy of my credit report with the incorrect bankruptcy record highlighted.

Under the Fair Credit Reporting Act ( FCRA ), you are obligated to investigate and correct any inaccuracies in my credit report. Therefore, I request that LexisNexis promptly investigates this matter and removes the incorrect bankruptcy entry from my credit report.

Please confirm in writing once the correction has been made or if additional information is required from my side. I would appreciate your timely response to this request within the 30-day period stipulated by the FCRA.

Thank you for your immediate attention to this matter. I look forward to your prompt resolution. 

Sincerely,
Consumer complaint received 2024-05-18
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY (MS)

I am writing to express my frustration with handling my account for online payments. When the account was set up, the checking account number was keyed in incorrectly. Despite speaking with representatives on three different occasions, the representative did not mention the error of the incorrect checking account. As a result, late fees and insufficient fund charges were applied to my account. 

After the fourth attempt, I finally spoke with a representative who informed me of the issue with the checking account number. We made the necessary corrections, and I was assured that if I paid off all fees, a manager said the fees would be removed. I promptly paid the bill in XXXX, yet no fees were removed as promised. 

Despite providing detailed information and being told a case would be opened, the charges were not removed. After numerous calls over four months, the company refused to cancel the account and continued to call me relentlessly. TD Bank continues to add fees to the account. I requested back in XX/XX/2023 for the account to be closed. A representative told me that he would not close the account and that charges and calls would continue. 

I am disputing all charges and request that the calls cease immediately. I expect a resolution to this matter and a closure of the account without further inconvenience or negative impact on my credit score and report.
Consumer complaint received 2024-05-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (PA)

THE COMPANY IS ATTEMPTING TO COLLECT THE DEBT I BELIEVE I DO NOT OWE. THEY'RE FURNISHING INFORMATION TO MY CONSUMER REPORT IDENTIFIED AS IDENTITY THEFT AND NOT RELATABLE TO ANY TRANSACTIONS MADE BY ME.
Consumer complaint received 2024-05-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: FC HoldCo LLC (NC)

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. 

XXXXXXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX : # XXXX,, has violated my rights. 

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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 2024-05-18
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 (TX)

I purchased Solar panels and Battery last year and the vendor recommended Mosaic as their preferred lender. I was told my monthly payment was going to be {$340.00} and after 18 months it would be XXXX if I do not apply the rebate for Solar from the federal government.

I started paying {$440.00} with hopes of applying {$100.00} every cycle towards principal. Original loan was {$51000.00} and interest rate is 9.59 % loan term states XXXX payments remaining regardless of how many payments I have made so far. Last year they changed interest {$1000.00} and so far this year they have charged {$1800.00} in interest. I still owe {$51000.00} and remaining payment is XXXX. I do not know when this loan will be paid off. i have reached out to Mosaic but they are not providing any understandable answers. 

There are no statements for me to see what is going on. HELP! 

Address Information Please mail payments to : Mosaic XXXX XXXX XXXX XXXX, Az XXXX Overnight Mailing Address : MOSAIC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX
Consumer complaint received 2024-05-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC (CA)

I have disputed this debt as not being mine and sent letters requesting they show proof of this debt being mine. Like a sing contact or services rendered for the debt they imply I owe. I have not sing or agreed to owe this debt.
Consumer complaint received 2018-03-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (FL)

I have been unable to get any answers, for months, from Mr. Cooper as to why they have not applied my mortgage payments to my loan after a Chapter XXXX hardship discharge. I have never missed a mortgage payment. I have received threatening letters of foreclosure if the current amount of {$5300.00} is not received in full which has caused much anxiety and many sleepless nights. I continue to get the runaround from Mr. Cooper as my loan specialist, XXXX XXXX, acknowledges this is an issue within the bankruptcy department but yet is unable to answer any of my questions. Again, I have been trying to get answers for months but to no avail. 

Looking over the accounting from Mr. Cooper of posted payments, there is a holding of {$7300.00} on XX/XX/XXXX in unapplied funds which is more than enough to cover the said owed amount with a surplus. Mr. Cooper has stopped applying payments to the balance of my loan and have not applied payments correctly throughout Chapter XXXX. Today I received a foreclosure letter from the attorney representing Mr. Cooper. I can not lose my home due to this lenders error or unwillingness to give me requested information. 

Mortgage was current when Chapter XXXX was filed, and I was paying direct.
Consumer complaint received 2024-05-18
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: National Credit Systems,Inc. (TX)

I decided to start building my credit because I had just recently became a new mom and was trying to get the process to build my credit so in the near future I could soon purchase my first home for my family.i got a copy of my credit report and realized I have a collection from my old apartments. it said I owed them {$4300.00}. which I didn't because I finished my lease. when I tried to reach to the apartment complex, they said the were just bought out from another company and couldn't help me fix this issue.
Consumer complaint received 2024-05-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (MD)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2024-05-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Finance Company, Inc. (FL)

Received medical bill from XXXX XXXX ( in XXXX, Florida ) for date of service XXXX totaling XXXX XXXX This XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. After adjustments from insurance, bill was paid. Received an additional bill from XXXX XXXX XXXX  for XXXX $ a few weeks later ( I am guessing due to XXXX  although nothing was specified ), which was never paid as I thought it was a scam and the original hospital bill was already paid. Noticed that my credit score dropped roughly XXXX points this past month ( one year after the XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). XXXX and XXXX XXXX stated this was due to XXXX XXXX XXXX sending the XXXX bill to debt collections ( Professional Finance Company ). Spoke with XXXX XXXX XXXX and they stated that the bill could not be paid to them and had to be paid to Professional Finance Company. An account number was given to look up the bill on Professional Finance Company website. There is no record of my account after entering the account number. Also no record if looked up with last name. I want to pay my debt but it appears I am unable to ( or they are making it very difficult ). Moreover, I was under the impression that medical-related debt could not affect your credit score.
Consumer complaint received 2024-05-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: SOFI TECHNOLOGIES, INC. ()

My name is XXXX, and I opened a checking and savings account to prevent myself from going to the branch while I am 8 months pregnant. 

I opened the account with the online bank SOFI and for the first week all went fine. I also own a registered single member XXXX in California and hold an XXXX. I took the owner 's draw of {$20000.00} on XX/XX/XXXX, and since then my account has been restricted. I am unable to pay my credit card bill, phone bill, or for gas while SOFI has restricted my account with no explanation. Moreover, they have no XXXX on when the account will be enabled again. 

I have also called them everyday and asked for an explanation about why the account is restricted and what other information I can provide to enable the account, but to no avail. 

As a consumer and lawful resident of the US, it is my right to know why the account is restricted and get it enabled it as soon as I can. But the cold hearted team at SOFI has been a pain to deal with.
Consumer complaint received 2024-05-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (NY)

On Thursday XX/XX/XXXX my phone, XXXX, and debit card were stolen from me. Somehow the person who stole my belongings got access to my debit card pin and went to the chase branch and withdrew money from chase directly and from an atm. I called XX/XX/XXXX and spoke with the fraud dept to which they assured me everything would be taken care of etc. I have banked with chase for almost 20 years. After they told me to open an entire new checking account I did so, and then then the next day I was locked out of my account and when I called I was told I was no longer considered a client of chase and that after they decided what my balances were they would send them to me in a cashiers check in an untold amount of time. I have since then spoken to the escalation dept and they had no timeline for me to when I would receive my money that they took from me. I have almost no access to any money and all of my bills are Bouncing. I can't believe after 20 years of banking with them they would treat a client like this after they were victim of robbery and fraud.
Consumer complaint received 2024-05-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (TX)

Jefferson Capital System Placed on amount on my credit for {$900.00} without my knowledge. I have never spoken to them i do not not this creditor by law they need to validate this debt i haven't received anything from them to say i took this monies from them, when i called they stated they will not removed it which i considered a threat because if u cant validate i owe this monies then it mist be removed
Consumer complaint received 2024-05-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (NY)

i made Six transaction using Chime credit builder with cash back deals on it at gas stations. i didn't get the cash back reward for the last three transactions so i reached out to customer support spoke with an agent named XXXX who reviewed my transactions. he 1st responded saying the deals are only active for 4 hours & must be used within that time frame. i told him i used it within 10 minutes & provided screenshots of the 3 transaction along with the cash back deals which has a time stamp, date & address the deal was for. XXXX then says i made the purchase before i activated the deal. Lies because the screenshots from my account history proves otherwise. i tell XXXX, who i am sure didn't even review the screenshot. i confront him about lying & his excuse was " thats what im seeing in my system '' then proceeds to tell he will have a supervisor call me to better handle the issue. i get a call from a women claiming to be a supervisor. didn't give me a name reviews my transactions & the time the deals was activated. her response was that i didn't use my checking account. ( for context Chime has a checking account & a credit builder account which works like a credit card without any actual credit in it. you have to transfer money to that credit builder which then acts like a credit card which is supposed to help raise your credit. ) i used the credit builder however i used it 6 times & i was credited 3 times for the chime deal so i tell her and she states that she then lies and says she sees the transaction on my checking out. i have proof that i never used my checking account for any purchase ever. i confront her lies & ask to confirm if she sees previous purchase from my checking account. she refused to answer me then proceeded to HANG UP me on. 
called back, was left on hold for 15min before being hung up on again. got back on the app Spoke with XXXX claiming to be supervisor transferred me again to speak on the phone with Agent named XXXX who stated she doesnt handle the issue, transferred to agent name XXXX who then left me on hold for another 15-20 min. before being hung up on again. spoke/chatted with 7 different agent in the span of 2.5 hours with no resolution, just more problems. i used their service thinking it would help increase my credit but that it doesnt seem to do anything. How are companies like this are in business?
Consumer complaint received 2024-05-18
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: SoLo Funds Inc. (NY)

This company charges a mandatory tip every time you take out a loan. On top of that you have to also tip the person funding the loan or wont get approved. There was never any option to turn off Tips yet now that theyre doing this large system upgrade all of a sudden we can turn off Tips seems very fishy to me. This update has been taking place for the last month then I do more research and find out theyre being sued for this thing so I dont know what theyre trying to cover up with this update, but I know that Ive never had an option to turn off tips and I always had to pay double tip to the person funding the loan and mandatory tip to SoLo. I am seeking to take legal action. Ive spent hundreds of dollars in mandatory tips all to find out this has been illegal from the start. Its like their whole customer service team went XXXX because you cant even get anybody to answer any questions about anything my bank information and everything is still on file with no way of deleting anything. These people have access to my Social Security number my bank information and I dont feel safe, knowing that they have been practicing illegal practices, and now I am stuck with not being able to information from their system because no one calls you theres no way to contact anyone from this place. They also create this credit scoring system called a solo score to determine how much youre able to borrow yet theyre not a credit bureau so thats confusing to me that theyre allowed to do that.
Consumer complaint received 2024-05-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (MI)

I just received a notice from Midland Credit Management regarding a debt of XXXX that I do not know of. I am also permantely XXXX on XXXX  since 2021 so I would have no way to pay this. I have informed them and they had no formal report service. I am reporting them here as well so the communication is clear regarding the wrongful debt and myself being on XXXX ( fixed income ).
Consumer complaint received 2024-05-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (WA)

I have one late payment in XX/XX/2020 beginning of the COVID 19 pandemic. I spoke with the company before and they said they would remove the late payment but it has not been removed. Please remove the late payment.