davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credence Resource Management, LLC (TX)

When I contracted XXXX for home in XXXX ~ XX/XX/2023 the seller asked me if I want a table I said not i don't need it, then he mentioned is for free, I accepted to sent it over, after the first month of XXXX XXXX XXXX i received the invoice with account number XXXX i procced to paid in full, so after some time i received another invoice I thought is a mistake and a leave it, after like 4 months i continue paying the account XXXX but received another bill with like XXXX dlls i said why is like that i communicate with XXXX and asked what is happening the problem is the seller creates 2 account one for my XXXX home which i asked for and another for the table which is mobile with number XXXX, i told them i don't asked for that service then they offered some help to fix but they never did anything about. i am not walling to pay for something that i didnt ask and they sold me with lies. so the debt is with a collector and already impacted my credit score. 

This is the information about the Collector Credence Resource Management , LLC. 
with reference number XXXX. 
I have never being in contact with them why I own a bill to them.
Consumer complaint received 2021-11-10
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: JPMORGAN CHASE & CO. (CA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

The particular account position that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 

JPMCB CARD XXXX Balance : {$0.00}
Consumer complaint received 2024-04-14
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: CAINE & WEINER COMPANY, INC. (FL)

this debt is on my credit report and it is reporting inaccuarate i was never contacted with a contract regarding this debt. I asked company to provide verification and they verified through the credit agency. i disputed debt and no information was sent to me regarding this debt. please provide me with either the contract or debt verification that is my debt. 

Collection Agency CAINE & WEINER COMPANY INC Original Creditor Name XXXX  Date Assigned XX/XX/XXXX Original Amount Owed {$500.00} Amount {$500.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX Creditor Classification INSURANCE Last Payment Date Date of First Delinquency XX/XX/XXXX Comments CONSUMER DISPUTES THIS ACCOUNT INFORMATION Contact CAINE & WEINER COMPANY INXXXX XXXX XXXX XXXX. XXXX XXXX  XXXX XXXX CA XXXX ( XXXX ) XXXX
Consumer complaint received 2017-10-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

A person sent me money around XXXX on XXXX/2017 through BANK OF AMERICA using an application. ( XXXX ). I tried to log in that app and asked me to input " Authorization code ''. That code came in my email later that day at XXXX XXXXXX/XX/XXXX which was expired after 10 minutes without any other notice. I try again and again without receiving any response or a new code. I called them at XXXX the same day to find out that the sender has to cancel the transaction and find an other way to send the money. Needles to say it was important to have that amount on time and it costed to me extra. The customer service prompted me to create an account for the application ( knowing I did n't have any internet access at the time ) instead to my opinion find an other way to solve my problem.
Consumer complaint received 2023-01-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Maximus Federal Services, Inc. (PA)

During the student loan payment pause period, I made voluntary payments of a total of {$27000.00} to my student loan account. According to Biden-Harris student loan relief plan ( https : //studentaid.gov/manage-loans/forgiveness-cancellation/debt-relief-info # refunds ), I'm eligible for a refund. In early XX/XX/XXXX, I called my loan service provider at the time XXXX to request a refund. Yet, XXXX transferred my loan to Aidvantage. Thus, I called Aidvantage to confirm my loan status, in which they told me that they would have loan information by the end of XX/XX/XXXX. I called back in the first week of XX/XX/XXXX, and Aidvantage do not have my loan information and told me that to check it back " next week ''. I called Aidvantage back on XX/XX/XXXX and they still do not have my loan information. As of right now, I have no access to my loan information or login information on their site. I'm concerned that I will not get my refunds. 

Timeline Summary : XX/XX/XXXX - I've tried to create an account to access Aidvantage website ; I'm not able to login. I called to confirm the status of my loan ; Aidvantage told me they would have my loan information by the end of XXXX. 
XX/XX/XXXX - I called Aidvantage again and they told me they would have my loan information by the second week of XX/XX/XXXX. I'm still unable to create an account or access their site XXXX XXXX I called Aidvantage and they still do not have my loan information or login access to their sites.
Consumer complaint received 2024-04-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (PA)

THIS 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 2018-03-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

XX/XX/2018 I was called by Fifth Third Bank alleging fraudulent activity on an account linked to my personal, private cell phone number. I returned the call to the bank and was advised by the fraud department that my phone number is indeed linked to an account ( not in my name, or held by me ) that exhibited signs of fraudulent activity. I advised the bank that the account and activity are unrelated to me, and that my phone number should not be listed or linked to any account with Fifth Third bank, since I do not maintain any account there. I was advised that this was not possible, " since I am not the account holder ''. 

I do not want my private phone number associated with Fifth Third bank or any account at the bank, since phone number information is commonly cross-linked to a great deal of personal and financial data within the financial services community. It is inappropriate and poor financial management for the bank to allow my phone number to be improperly linked to a known fraudulent account, when I am not in fact associated with that account or fraudulent activity. My concern is that my personal phone number will be improperly linked to accounts or activity that are not related to me. 

Despite requests to escalate my request to an agent empowered to remove my personal phone number, the bank was unwilling to escalate to resolve the problem. I would imagine that this could make a worthy class action suit if consumers have been harmed by the improper linking of their data to unrelated transactions, despite the consumer 's repeated attempts to get the bank to correct its records.
Consumer complaint received 2024-04-14
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: McCalla Raymer Leibert Pierce, LLC (GA)

Realtime Solutions and McCalla Raymer Leibert Pierce , LLC have started foreclosure proceedings for a loan from XXXX in XXXX XXXX, GA on a property I live at XXXX XXXX XXXX, XXXX XXXX, GA XXXX. The foreclosure date is XX/XX/XXXX. The statute to pursue this debt has passed. I was also part of a class action lawsuit because XXXX this is from XX/XX/XXXX " According to the complaint filed by the FTC, XXXX loan-servicing operation deceived homeowners who were behind on their mortgage payments into paying inflated fees fees that could add up to hundreds or even thousands of dollars. Many of the homeowners had taken out loans originated or funded by XXXX lending arm, including subprime or nontraditional mortgages such as payment option adjustable rate mortgages, interest-only mortgages, and loans made with little or no income or asset documentation, the complaint states. ''
Consumer complaint received 2023-06-06
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. (DE)

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.

The letters are stated with items and issues.

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 2023-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: NAVY FEDERAL CREDIT UNION (IL)

I CALLED THE CREDIT REPORTING AGENCIES AND LET THEM KNOW THE INQUIRIES IN THE DOCUMENT INCLUDED BELOW ARE NOT SUPPOSED TO BE VISIBLE ON MY CONSUMER REPORT. I NEVER GAVE THEM WRITTEN CONSENT TO REPORT THEM. THESE INQUIRES WERE NOT AUTHORIZED BY ME AT ALL. XXXX XXXX XX/XX/XXXX NAVY FCU XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-06
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. (AL)

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  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 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 2023-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TN)

My mom put me as a authorized user onto her XXXX XXXX XXXX but I didnt know or ask I wasnt aware so with that being said she fell behind on her card and its causing my scores to drop significantly I would like to be taken off as a authorized user and correct my scores please
Consumer complaint received 2023-06-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (TX)

The fact that I always make timely payments on this account is causing me a great deal of XXXX. I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry.
Consumer complaint received 2023-01-10
Product: Credit reporting, credit repair services, 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. (TN)

My mom put me as a authorized user onto her XXXX XXXX XXXX but I didnt know or ask I wasnt aware so with that being said she fell behind on her card and its causing my scores to drop significantly I would like to be taken off as a authorized user and correct my scores please
Consumer complaint received 2023-01-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (CA)

My mortgage servicer, BSI Financial Services, has improperly raised the rate on my adjustable rate mortgage. The note limits the increase to 2 % during each XXXX year interval. The rate was increased by 0.125 % as of XX/XX/XXXX and 2.0 % as of XX/XX/XXXX. I have now received notice of a 2 % increase as of XX/XX/XXXX. The increases are outside of the terms of the mortgage note. The note says " In no event, will my interest rate be increased or decreased by more than two percentage points during each one year interval following the first Change Date and each anniversary thereof. ''
Consumer complaint received 2023-01-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (WI)

In the sale & transfer of a credit card portfolio between major banks ( XXXX 's to Comenity ), I accidentally directed a sizeable payment from my XXXX deposit account to my Mastercard account number at XXXX 's. The payment has neither been refunded by XXXX 's, nor remitted to Comenity on my behalf despite my inquiries. Proof that XXXX 's processed and accepted my funds in the amount of {$1800.00} has been furnished to XXXX 's by XXXX. Despite this, and multiple phone calls to XXXX 's, this issue has not been resolved. 
Following this, I reached out to Comenity to try and resolve this issue ; I sent a detailed breakdown of the payments as follows : XX/XX/2022 - {$230.00} XX/XX/2022 - {$460.00} XX/XX/2022 - {$1800.00} - these payments were to XXXX 's ( not realizing the account had been sold to Comenity XX/XX/2022 ). Also, I'd looked at the wrong amount when I made the final payment of {$1800.00}. The original charge to the account was in the amount of {$1800.00} Upon receiving statements from Comenity Bank saying I still owed {$1400.00}, I realized the account had been moved from XXXX 's. Filing disputes with both XXXX 's and Comenity, I continued making payments so as not to accrue anymore late payments. The following payments were made to Comenity as follows : XX/XX/2022 - {$29.00} XX/XX/2022 - {$370.00} XX/XX/2022 - {$1000.00} In conclusion, I have paid {$2500.00} to XXXX 's and {$1400.00} to Comenity Bank for a total of {$3900.00}, when the original charge was {$1800.00}. 

XXXX 's has completed its investigation- per a letter from their Office of the President- and haven't located the missing funds. It is now in the hands of Comenity Bank. 

Thank you, XXXX XXXX
Consumer complaint received 2024-04-14
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (PA)

Each month since XXXX we discussed erroneous charge and related interest and fees, and after agreeing to remove the interest and fees were added back. It has become obvious that this approach is habitual and a game to exhaust the customer into submission.
Consumer complaint received 2023-01-09
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. (CA)

I sent a letter on XX/XX/2022. I told credit bureaus to " investigate every piece of information '' on the accounts i have listed below. 
According to the FCRA The term " investigate consumer report '' means a consumer report or portion thereof in which the information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with whom he is acquainted or who may have knowledge concerning any such items of information. 
They stated my accounts were verified but how is that possible if they did not do a proper investigation according to the law. Also, every piece of information on these accounts are still not reporting 100 % Accurate. And according to the FCRA 15 USC 1681 everything has to be 100 % accurate. Also I attached copy from credit bureaus so you can see that nothing matches, Last balance update is different, minimum payment is different in each bureaus, date open different as well. 
THESE ACCOUNTS NEED TO BE DELETED FROM MY CREDIT REPORTS AS LONG AS THE INFORMATION IS INCORRECT. 

XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-07-17
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: Experian Information Solutions Inc. (IL)

I 've reached out to the credit bureaus to dispute an account listed as "  XXXX  '', and currently collecting under   XXXX   XXXX   XXXX  , that I am unfamiliar with and have disputed this account since it is not mine and have been unsuccessful. I have no knowledge of this particular account.
Consumer complaint received 2023-01-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: States Recovery Systems, Inc. (OR)

The XXXX XXXX XXXX XXXX  hired a debt collector to collect {$5500.00} for a move that never happened. All communication between us was by phone call and text. On XX/XX/XXXX I agreed to pay {$5000.00} for them to move boxes from a XXXX storage unit in XXXX XXXX XXXX XXXX to XXXX XXXX on XX/XX/XXXX. On XX/XX/XXXX I let them charge {$150.00} to my credit card for deposit. On XX/XX/XXXX I got several messages and a phone call from XXXX telling me they denied charges attempted by The XXXX XXXX : {$4900.00} ( more than was owed ) by XXXX, then {$2300.00} by XXXX, then {$1500.00} by XXXX and then XXXX {$1500.00}. I was shocked and a little scared. I called and cancelled the move. I was told that I was still going to be charged because I didn't give 14 days notice ( there were 13 days left. ) I was threatened with " substantial costs '' including hotel costs, airfare, and the wages of 3 men. For context they were being asked to transport boxes. It took 2 men 34 minutes to unload the same boxes from their truck and into storage. The debt they are attempting to collect says the move was to cost {$5500.00} instead of {$5.00} and it includes {$78.00} in interest, crediting my {$150.00} deposit they are trying to collect {$5500.00}. 
I have all of their text messages to verify all the information I have given you. I
Consumer complaint received 2023-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CA)

Account name : XXXX XXXX XXXX XXXXXXXX Account number : XXXX Date opened : XX/XX/2023 After a thorough review, I have determined that this alleged debt is entirely fraudulent. I categorically deny any association with this institution or any knowledge of owing them any amount. 

As per my understanding of the Fair Credit Reporting Act ( FCRA ), it is unlawful to report false, fraudulent, or unverifiable information on a consumer 's credit report. I remind you that failure to comply with these regulations may result in legal consequences. Therefore, I expect your agency to act promptly to investigate this matter, confirm the fraudulent nature of the debt, and remove it from my credit report accordingly.
Consumer complaint received 2023-04-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (TX)

I called Mohela on XX/XX/XXXX ( Representative XXXX XXXX # XXXX ). I asked about my latest Employment Verification Form that was completed utilizing the StudentAid.gov tool and filed electronically. I was told several times that utilizing the electronic form was not an option that it must be signed. This is not the case according to StudentAid.gov where I was specifically told to NOT send Mohela the form since StudentAid.gov will forward it to the server ( Mohela ). The form was sent on XX/XX/XXXX to Mohela and received on XX/XX/XXXX and has not been processed. This should have been a streamlined process. I have heard from several other borrowers that many of the forms are being denied because of LACK OF TRAINING at Mohela. 
I have contacted Mohela again. No response.