davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (KY)

Loan transferred from XXXX to Aidvantage ~ XX/XX/XXXX. I have made five payments since the transfer of loan servicer from multiple bank 's ( XXXX & XXXX XXXX ) bill pay services. 
XX/XX/XXXX {$50.00} XX/XX/XXXX {$300.00} XX/XX/XXXX {$300.00} XX/XX/XXXX {$33.00} XX/XX/XXXX {$300.00} ( one is pending {$270.00} made directly on their website ) While on their website ( after Thursday 's payday ), discovered on Friday that I had {$82.00} in unpaid interest on my XXXX sequence loan, XXXX {$0.00}, XXXX {$0.00}. Mental math told me it should not be that high, so I did some digging. 

XXXX balance {$6100.00} XXXX ) 6.8 % {$1100.00} balance {$5.00} accrued interest to the XX/XX/XXXX XXXX ) 6.8 % {$2400.00} balance {$12.00} accrued interest to XX/XX/XXXX XXXX ) 6.0 % {$2500.00} balance {$11.00} accrued interest to XX/XX/XXXX total interest for 27 days {$29.00} XXXX  Called on XX/XX/XXXX Friday XXXX eventually after making several selections through the phone tree it informed me that they were closed. Wrote down their hours. XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXXXXXX. 

Monday XXXX called at XXXX and held for 5 minutes without reaching a person. Needed to head into work. Called again at XXXX and held for 13 minutes without reaching a person. Tuesday XXXX called at XXXX and held for 48 minutes without reaching a person. 

It appears that rather than the simple single loan two step process ( 1. unpaid interest 2. unpaid principal ) they have three pages of allocation and application complexity for multiple loans ( I have a XXXX, XXXX & XXXX ). 

On their website discovered how to select between their five options in my account profile. None of which is exactly or clearly the best for the consumer but instead is best for a debt collector. 

It defaults to overpayment allocation : Highest Interest Rate- the overpayment is paid to your loan with the highest interest rate. 

I changed it to Lowest current balance - the overpayment is paid to your loan with the lowest current balance. 

Option which is not clear how they would apply - is prorate by monthly payment amount- we prorate the overpayment across all the loans you select. The calculation is based on the monthly payment amount. If the system current says I have XXXX not sure how that would work. 

What I would like is for the unpaid interest to be paid in full if my payment amount covers all the accrued interest across loans. This way interest does not compound on itself. Then pay down the principal amount. 

I deal with amortization schedules in my daily job and have worked in customer service...
Consumer complaint received 2023-10-04
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. (NJ)

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 issues from above.
Consumer complaint received 2023-09-16
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: ENCORE CAPITAL GROUP INC. (CA)

I contacted each company and requested under USAC 1681c2 to stop sharing my information due to identify their. I never had an account with any of these company nor did I authorize my credit to be pull and used. I kindly ask for items to be removed due to information mismanagement I filed a report with FTC already along with credit companies.
Consumer complaint received 2022-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within XXXX days. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-05-11
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: HYUNDAI CAPITAL AMERICA (IL)

XX/XX/XXXX my car was stolen in front of the house after XXXX KIA FINANCE SENT ME A LETTER IN THE MAIL REGARDING THE ANTI THEFT FOR KIAS AND WHEN I TOLD THEM ABOUT IT THEY MENTIONED IT WAS NOT FOR MY CAR AND MY CAR IS NOT A PUSH TO START TODAY I WOKE THE VEHICLE WAS STOLEN.
Consumer complaint received 2023-10-04
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. (PA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2024-04-05
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. (CA)

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 : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX ; XXXX XXXX XXXX  # XXXX ; XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information. Any adverse items of information, other than records od 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 2022-12-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/2022 I received a call from Chase bank customer service number and there was a gentleman on the phone claiming to be from Chase fraud. The man said that ther was some suspicious activity on my account and if I was trying to make purchases at an out of state XXXX store. I told the gentleman no and he said well it looks like your account has been compromised. Now mind you this guy was calling me from the actual chase customer service number. He also represented himself as a Chase employee. In any case the guy advised me that were going to close the so called comprimised account and open a new account a long with replaccing my debit card any other other thing that goes a long with Chase banks protocols for accounts being compromised. So the guy had my credentials and guided me through the app to supposebly open a new account. In any case the guy tricked me into wiring him {$1300.00} that I thought was a transfer of funds to my new account. When I figured this guy was scamming me I immediately called Chase fraud and asked them to recall the wire. They initiated the recall and then I get a message from Chase saying the beneficiary denied the recall. So then I contacted Chase to find out where the money went. They gave me the run around for XXXX weeks then they finally give some information on the recipient. The fraudsters name was XXXX XXXX and the the receiving account was a XXXX XXXX account they also gave me an account number that turned out to be an account that did not exist at XXXX XXXX, I cntacted XXXX XXXX XXXX  to see if they had any information on this individual. They checked all their records and databases and told me that this person and account does not exist within their institution. So then I called Chase and asked them why would as wire go through if the account did not exist. They could not give me an answer and sti ; l ; refuse to tell me were my money went. All they keep telling me is that I was the one that approved the wire and that it was not fraud. The last manager I spoke with said I would have to go to court and supeana Chase bank to get them to tell me where my money went. Here are the names of the people I spoke with at Chase. 
XXXX XXXX Mid XXXX XXXX Claims Department XXXX XXXX Customer Service Manager- Fraud Department XXXX XXXX Customer Sevice Rep- Fraud Department .

I am still working on gettting answers from their wire fraud department but am not receiving any responses from Chase.
Consumer complaint received 2023-10-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (GA)

Please find the attached documents. 

I dispute the debt that Midland Credit Management purchased from XXXX XXXX Bank and assert my rights under the arbitration agreement in the original credit card agreement. As the debt purchaser, Midland is bound by these arbitration terms. 

While I acknowledge that arbitration can be costly, often exceeding the debt 's value, I'm willing to resolve this matter amicably without the need for arbitration. 

I want to mention that my personal email was shared with XXXX XXXX for debt collection, despite my request for arbitration. Additionally, Midland has not provided proof of my liability for the alleged debt, which I have no record of creating with them. Their provided statements do not establish ownership or the provision of services or credit.
Consumer complaint received 2024-05-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Aspen Properties Group, LLC (MA)

Foreclosing on a fradulant mortgage. Have original paperwork showing the details of it. This is an old XXXX XXXX proven to be fradulant in court.This mortgage has been cancelled in XXXX. XXXX XXXX XXXX XXXX paid XXXX dollars for this mortgage it was assignes to them in XXXX.
Consumer complaint received 2023-10-04
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: LD Holdings Group, LLC (FL)

My mortgage company has always bought my homeowners insurance since I bought my house back in XX/XX/XXXX, they purchased it and also make payments through my Escrow account however I have always received a letter stating that I have coverage. Well I filled a claim after hurricane Ian hit XXXX XXXX Florida XX/XX/XXXX and now my homeowners insurance claims that the policy / contract that my mortgage bought under them has no coverage. And because they are the policy holder and not me or my spouse we arent entitled to nothing they have lawyered up and there attorney was the one who emailed us this information.so basically we are being scammed from our mortgage company the attorney stated that no payments were not made to the insurance company so there for there isnt money to claim. I have kept all my records pay bank statements and also insurance letters from when my coverage began end and started again. My policies as well for each year since my home was bought I never trusted that mortgage officer by the name XXXX XXXX.
Consumer complaint received 2022-12-09
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (VA)

My wife and I have been disputing a debt with our old landlord since XX/XX/2022. In short, they are assessing damages to the apartment, specifically to the carpet, which they claim go beyond normal wear & tear. We have argued with them back and forth for some time, asserting that the photographs provided do not amount to carpet damage and that they willingly chose to fully replace all carpets in the unit when there was no need to do so and simply want us to foot the bill. 

On or about XX/XX/2022, we received a written notice from Genesis XXXX XXXX d/b/a Columbia Debt Recovery, LLC , informing us that the apartment complex had referred the debt to them for collection. On XX/XX/2022, we forwarded the email chain with the apartment complex to the email provided by the collection notice ( XXXX ) along with the reference number for the case. In the email we referred them to the apartment complex communications and again stated that we disputed that a debt was owed and to bring an action in small claims if they wished to pursue the matter further. 

We received an automatic reply email from the debt collection agency indicating that our response was received and that someone would get back to us within 7 days. We never received any additional communications regarding the debt from Genesis, either via mail, text, email, or phone. 

This morning, 30 days after receiving the collection notice, we were informed by our credit agency that Genesis had reported the debt as owed and that it is now affecting our credit scores. No one at this agency picks up the phone and we have been unable to get in contact with them.
Consumer complaint received 2023-08-26
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)

Credit reporting company has a negative credit item on my report that is causing me to be denied credit. I have had this item disputed for years but they refuse to address this dispute. The credit reporting companies are discriminatory and should not exist or be allowed to be used for this purpose. They have no accountability and only serve to harm consumers.
Consumer complaint received 2023-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

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. 

has violated my rights. Or 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.
Consumer complaint received 2023-10-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (MI)

I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC
Consumer complaint received 2023-10-04
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: Experian Information Solutions Inc. (CO)

I am writing to formally dispute and request the removal of inaccurate information on my credit report. On XX/XX/XXXX, I contacted Experian regarding the following incorrect account details : Account Name : XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$1600.00} I have not received any response from Experian regarding this matter to date.
Consumer complaint received 2022-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I have been reaching out to Equifax to get this resolved since XXXX. When trying to obtain new credit Im having problems being verified because my DOB shows up as XX/XX/XXXX ( my dads birthday ) when my DOB is actually XX/XX/XXXX. I was in the back of an ambulance before and my birthday was incorrect in their system. When I attempted to contact Equifax directly to resolve the issue they told me they saw no problem. This is hindering me big time in obtaining anything in correlation with credit. Please help!
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

15 U.S. Code 1681e - Compliance procedures ( ACCURACY OF REPORT ) 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. produce all documentation everything associated with account Produce original contract and auction receipt payment insurance loan insurance XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-09
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

XXXX my name is XXXX XXXX very proud to be XXXX XXXX and very proud to be XXXX  Dad I got custody of my kids I felt that bank of america is bias and discriminatory toward me I don't have students loan or mortgage loan due to XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was financially struggling and since I being XXXX XXXX bank of america I only gave XXXX credit card of XXXX and I took the loan balance assist and I was late XXXX payments due to being sick with XXXX XXXX. I felt that the bank being bias and predijuce and is hard being approved or trying to get aplace to rent my score of XXXX which is not fair I
Consumer complaint received 2024-06-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (CA)

Mohela told me in XX/XX/2024 I had a refund do back to me after Biden XXXX student loan forgiveness forgave XXXX As of XX/XX/2024, they tell me I don't have a refund coming and have not explained what happened to the XXXX XXXX in the amount of {$10000.00} that was on my account after both Student Defense and Biden/XXXX student loan forgiveness brought my balance to {$0.00} In addition, I reached out to the Ombudsman Group about my issue with Mohela and submitted a complaint on XX/XX/2024. I received a message they would reach out to me in 15 business days. It has been 28 days and my status on Studentaid.gov says " In review ''
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (WA)

The secured credit card account with XXXX was closed by me on XX/XX/XXXX. The account was never late during the duration that the account was opened. XXXX  reflects that the account has been paid and was closed on XXXX XXXX, XXXX, however, XXXX has reported my account as currently XXXX days late as of XXXX XXXX. This account can not be late in XXXX XXXX when it was closed and paid in XXXX XXXX. This violates FCRA.
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: General Motors Financial Company, Inc. (TX)

Today, I am writing this complaint to GM FINANCIAL regarding the incorrect information on my account. I sent them a letter requesting for investigation of those account mentioned, they took more than 30 days to complete and they stated that they have completed the investigation. However when I pull my recent report I don't see any changes made at all. They claimed that they verified the information but how come that it is verified when the date of last activity, date opened, date of last report. payment history and status are inaccurate? This is not right. I understand my rights under 15 U.S.C 1681 section 602 A which states that I have the right to privacy and 15 U.S.C 1681 section 604 A Section 2.
Consumer complaint received 2023-10-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (WA)

XX/XX/2023 -- Added my bank account information to Venmo so I could withdraw money from my account to pay my bills XX/XX/2023 -- Venmo put a temporary hold on my account and requested identifying information XX/XX/2023 -- I provided this information XX/XX/2023 -- I called Venmo support and was hung up on XX/XX/2023 -- I called Venmo support again and was told to upload a secondary piece of ID with a selfie holding my drivers license ; I completed this task XX/XX/2023 -- Venmo unlocked my account and then promptly locked it again, saying I was in violation of the XXXX XXXX XXXX because I had XXXX accounts. They sent an email asking which account to close and I replied with my answer. 
XX/XX/2023 -- I called Venmo to get an update on reactivating my account and was told to not call back and just wait for an email XX/XX/2023 -- I emailed checking on the status of my case. No answer XX/XX/2023 -- I emailed checking on the status of my case. No answer. 
XX/XX/2023 -- Still no answer.