davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-17
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Click n' Close, Inc. (OH)

XX/XX/XXXX I received a delinquent notice from my county treasurer 's office, indicating my second escrowed tax payment ( due in late XXXX ) has not been received from the mortgage company. The amount due is XXXX. We have not paid on time in the nearly seven years we've had the motrgage- we've paid EARLY every month. I called the mortgage company and was told it was paid. Multiple calls back and forth since and no resolution as of XXXX XXXX XXXX XXXX XX/XX/XXXX, The mortgage company informed me the payment that was due in XXXX was sent to the treasurer 's office in XXXX, XXXX ( several months late ), yet nothing has been received in the county tax office. This is the second time we've had issues with Click 'n Close Mortgage ( formerly known as Mid-America ) escrow department since XXXX. Property taxes for the next year will be coming soon as will our homeowner 's renewal. I have XXXX trust of confidence in this mortgage company 's ability to fulfill its fiduciary responsibilities. XXXX the county tax office advised we are not the only person in our county who has escrow issues with this company.
Consumer complaint received 2024-07-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Arena Investors, LP (WV)

I received notification that my XXXX XXXX XXXX subscription was about to Expire. I did Not send Notification back to the Subscription company that I DID NOT wish to renew my subscription. The Magazine renewed my Magazine Subscription anyhow. I REFUSE to Pay for a Magazine that I Did NOT Order. I have tried to call the Debt Collector Three ( 3 ) times and have not gotten them to answer their phone yet. So I am Done with them Period. Thank you, XXXX XXXX
Consumer complaint received 2024-07-01
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Velocity Portfolio Group (CA)

As far as i can remember the 2 accounts listed on my credit report are very old, more than 10 years ago or more from the date it was reported delinquent. ( A ) CKs Prime Investments, L. is trying to collect - {$600.00}, ( B ) XXXX XXXX XXXX. is trying to collect {$480.00}, and I don't even remember the original company 's name and the amount that I actually owed them, and it could have been paid for when I filed for bankruptcy 10-15 years ago. According to Federal law after 7-1/2 years, such reports should have come off on someones credit report. 
Information was taken from XXXX XXXX
Consumer complaint received 2023-10-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (CA)

Like many people, my student loan payments came back into repayment in XXXX. In the span of one week, I received wildly different information from Mohela regarding my repayment plan. On XXXX XX/XX/2023, I was told that I would owe {$320.00} per month, starting XXXX XX/XX/2023. On XXXX XXXX, I was told that I would owe {$1000.00} a month starting XXXX XX/XX/2023 ( both letters are attached ). I am part of the Public Loan Forgiveness Plan, so picking the correct payment plan is essential to being able to have the balance of my loans forgiven. I wrote to Mohela about this, and they took over a week to get back to me. When they did, they simply told me to call customer service ( a screenshot of our correspondance is attached ). I have spent over one hour trying to reach someone on their customer service line ( see my screenshot from XXXX- this was my second call today ) and it is absolutely impossible to speak with someone. I am not at risk for being punished for missing my payment ( putting my loan forgiveness in jeopardy ) after they provided me with contradictory information and then stopped providing information altogether.
Consumer complaint received 2023-10-19
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (GA)

I called them with fraudulent charges. They said they would investigate and to not make a payment til it was resolved. I called again cause I haven't heard from them. They said the investigation was still ongoing. Not to pay the bill til it was resolved. The I got a email that I was late on my payment and they charged me {$29.00} late fee. I called and they said didn't know exactly what was going on. Found two more small charges that I didnt make. They told me they were going to start another investigation. This has been going on since XX/XX/XXXX. I made one charge to this card for my contacts but the charge isn't on the statements.
Consumer complaint received 2024-07-01
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Berlin-Wheeler, Inc. (Kansas) (CA)

Collection agency has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yet they placed a collection on my consumer report I have not been given a chance to dispute account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) Collection agency is violating my consumer rights by using false misleading, misrepresentation and deceptive means Collection agency has no authority to furnish any account to a consumer reporting agencies without providing any and all disclosure required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A )
Consumer complaint received 2023-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is my third dispute. XXXX is still reporting inaccurate information to Transunion which is causing great financial hardship to me and my family. I submitted my initial dispute via the CFPB regarding this illegal reporting to my credit report on XX/XX/XXXX. on XX/XX/XXXX Transunion responded to my CFPB complaint stating that the account was " updated and verified ''. However, after further investigation into the matter, I have discovered that the Account Status has not been updated to " Account in Dispute ''. Failure to properly report is a violation of FCRA law. 

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 consumers dispute that the furnished information is inaccurate or incomplete. 

A proper investigation has not been conducted, it has been almost 60 days since the initial dispute and this is causing great hardship to my family. 

Please delete XXXX XXXX ( account XXXX ) from my credit profile as it has been illegally reporting negatively on my credit report for years now. 

I have attached a copy of my credit report proving that the " account status '' has not been updated to " account currently in dispute '' as per XXXX 's initial response. This is a violation. 

XXXX XXXX
Consumer complaint received 2023-07-08
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. (IN)

I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account.
Consumer complaint received 2024-07-01
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AR Resources, Inc. (GA)

Non-receipt of Debt Information : I did not receive any notification from [ Creditor/Debt Collector 's Name ] regarding this debt. According to the Fair Debt Collection Practices Act ( FDCPA ), I should have been provided with written notice detailing the amount of the debt, the name of the creditor, and my rights to dispute the debt within five days of their initial communication. This notice was never provided to me.

Lack of Knowledge of Dispute Rights : I was unaware of my right to dispute this debt. As per the FDCPA, I should have been informed that I have the right to dispute the validity of the debt within 30 days from receiving the initial notice. Since I did not receive such a notice, I was not aware of my rights to dispute. 

Absence of Dispute Rights Notification : The creditor/debt collector failed to provide me with a notice of my dispute rights. This omission is a violation of the FDCPA, which mandates that consumers must be informed of their right to request validation of the debt and dispute it if necessary.
Consumer complaint received 2023-01-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I had submitted these unauthorized complaints to Bank of America multiple times over the years I've had an account with them. I had notified them of the times when my debit card information had been stolen and used. When I was tired of the horrible customer service with Bank of America in 2018 and closed my account, they told me these unauthorized disputes I filed would be refunded via a separate check, and I confirmed with customer service multiple times before closing the account. To this date, I never got the unauthorized disputes processed and after visiting a branch in XXXX, VA, the bank even wanted to charge me over {$200.00} for accessing the old statements and filing the disputes which is outrageous when they are the ones who failed to process these unauthorized disputes months or years ago. I have proof of phone records, eMessage and email correspondence. Please investigate into this.
Consumer complaint received 2024-07-01
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (NC)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2023-11-22
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 not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.
Consumer complaint received 2022-12-21
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: EQUIFAX, INC. (UT)

In accordance with the Fair Credit Reporting Act ( FCRA ) these creditors are reporting inaccurate information and have violated my rights for these accounts : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Due to the following : [ 15U.S.C. 1681 ] Section 602A states that I have the right to privacy.

[ 15U.S.C. 1681 ] Section 604A, Section 2 states that a consumer reporter agency can not furnish an account without my written instruction or consent.

[ 15U.S.C. 1681 ] Section 603 Section 2A, Subsection ( iii ) states that communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons.
Consumer complaint received 2023-10-03
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA (NC)

I have been a victim of predatory lending by XXXX XXXX XXXX who is serviced by XXXX XXXX. They used deceptive practices during the loan process, which included hidden fees that were never disclosed to me. I learned about the astronomical fees when I called AES today and requested a Truth in Lending document. I never received this document or information previously and I will breakdown the reason that I called and requested this information. 

I received XXXX student loans from this lender : Original Balance : {$21000.00} Current Balance : {$24000.00} Total Paid : {$26000.00} After looking at my monthly statement, I was puzzled to discover that I have paid more than the original balance ; however, I currently own MORE than the original amount borrowed. I understand the concept of interest and yes, I expect to pay more than I borrowed. But based on the interest rate attached to the loan, and the original amount, there is no way that I should have a balance this high. I called AES to inquire about this information and I was told that it is likely due to loan fees. What loan fees? I was never told about any loan fees. To my surprise, the loan fee was higher than the loan itself and it was never mentioned to me. They hid this information and processed the loan under false pretenses. 

I have maintained my student loans because I care about my personal credit. However, I feel that I am a victim of illegal practices by this company. There is nowhere on my monthly statement that shows the total fee amount. I can not locate this fee on any initial documents from AES. I would have never known about this fee if I did not call and specifically ask, why is my balance so high when I have paid more than the original amount. 

I am requesting that the fees for the XXXX loans mentioned be removed. This is predatory lending ; I was deceived during the initial process of this loan. They presented an interest rate that floated between XXXX and XXXX XXXX  ; however, the bulk of the loan amount comes from the fees that were never disclosed. This is fraudulent and unfair business practices to consumers.
Consumer complaint received 2024-07-01
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP (MI)

I have filed multiple disputes with ELAN FINANCIAL SERVICES- for Unauthorized Use of my Account while being incarcerated, Again Unauthorized Use, Identity Theft, Fraudulent Charges, NOT THE OWNERSHIP OF THE ACCOUNT. Every single Time I dispute these Unauthorized, Fraudulent Charges, ELAN FINANCIAL SERVICES - respond by sending me a letter stating that they verified that this account belongs to me - ELAN FINANCIAL SERVICES - own policy Zero Liability Protection - Zero Liability Protection means you won't be held responsible for unauthorized charges made with your card or account information. However, Every single Time I dispute these Unauthorized, Fraudulent Charges, ELAN FINANCIAL SERVICES - bank act like they Don't Read my Dispute - So here, I'm requesting that CFPB investigate whether ELAN FINANCIAL SERVICES - does comply with the requirements set forth in the FCRA. The Dispute is about unauthorized use of My Account by an Unknown Person while being incarcerated. I Dont want ELAN FINANCIAL SERVICES- to respond by stating that this Account Belongs to me, If this Account didn't belong to me, I won't be disputing those unauthorized charges.
Consumer complaint received 2024-06-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc (PA)

My name is XXXX XXXX I need tho appeal Case update : XXXX Transaction ID : XXXX Transaction amount : {$100.00} USD Recipient email : XXXX Because I disagree with the decision its is fraudulent and unauthorized I didnt send the payment I want yall to reopen it or reinvestigated it or make a new dispute for it or change the dispute type for it or give me a credit for {$100.00} to my PayPal balance or investigative it again etc account email is XXXX XXXX
Consumer complaint received 2023-01-31
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CA)

Multiple unauthorize reverse transaction had taken place on my account for {$1800.00}, {$1500.00} on XX/XX/XXXX, XXXX  XXXX XXXX. The {$2300.00} and {$2400.00} on XX/XX/XXXX. This was fraudulent tranaction that had take place on. my account.
Consumer complaint received 2023-06-17
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. (MA)

I am writing to file a formal dispute regarding the inaccurate information on my TransUnion credit report. Despite my previous contact with TransUnion on XX/XX/XXXX, they have not responded to my concerns. I kindly request your assistance in addressing the following inaccuracies : XXXX  XXXX Account Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$53.00} The XXXX  XXXX account listed on my TransUnion credit report was never late. I kindly request TransUnion to correct and update this inaccurate information accordingly. 

XXXX XXXX  Account Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$7400.00} The XXXX XXXX  account listed on my TransUnion credit report incorrectly indicates a late payment. I request TransUnion to remove the late payment designation from this account.
Consumer complaint received 2023-07-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I was A customer of Bank of America through XXXX to XXXX I had been double dipped Several times for {$35.00} fees and I had to pay it now I found out it was illegal and XXXX XXXX double dipped and said they can do it several times for 1 item!
Consumer complaint received 2023-05-24
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2023-06-17
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: EQUIFAX, INC. (FL)

This is not my account XXXX XXXX number XXXX balance {$4300.00} Accorcing to 15 USC 1681b Permissible purpose I did not authorize anyone to report this info to my report. To continue to report this is identity theft.
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

My name is 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 2023-06-17
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. (NJ)

I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. XXXX not saying they are reporting right or wrong. I am just saying that I am not XXXX percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all.

Are you familiar with something called 15 U.S.C. Sec.

1681 ( a )? I heard that if you can't provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not XXXX percent right and correct. So, could you please check on these and get back with me? I saw on a XXXX XXXX and XXXX where this lawyer said you have 30 days to complete this investigation. 
Please investigate the following accounts and remove them if anything is missing or not correct on them. 

BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX AND XXXX XXXX
Consumer complaint received 2023-10-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (KS)

I am a full-time teacher. 
I have been waiting on the phone for 4 hours. 
I would rather stay on the phone because the call back option has not functioned properly with past attempts being that no call has been returned. 
There is no email option as well. At least with the loan service -- before consolidating with MOHELA -- had an email option to communicate efficiently with real people. 
This is not the first time I have called MOHELA and waited an excessive amount of time for a service member. 
This is a poor way of treating educated professionals who are eagerly trying to manage their loans and personal finances. This loan service is lacking integrity.
Consumer complaint received 2023-10-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (OR)

Mohela put my formerly REPAYE loans into level repayment status while processing my SAVE application. Mohela is demanding payment under the level repayment plan, in contradiction with guidance on their own site : " your payment will be recalculated before it is due. '' These loans should have been in forbearance while Mohela drags their feet processing applications. Repeated attempts to contact Mohela have yielded no results. Further research indicates this is a known and ongoing problem with Mohela.
Consumer complaint received 2023-11-21
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NE)

I've never faltered in my commitment to timely payments. The impact of this error on my mental well-being is significant, affecting my sleep and peace of mind. I respectfully ask for an immediate correction to my account and hope you understand the urgency of this situation.