davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-14
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Eastern Account Systems of Connecticut, Inc. (FL)

Hello, I Have settled this bill under the name of XXXX XXXX ( my mother ) who sadly passed away last XXXX. 
I contacted XXXX and was directed to their company location on XXXX to finalise and close the account in person while returning all equipment. we returned all the equipment asked and was assured the account t had been closed. 
I asked for printed verification to which the sales rep had told me no she can not do that. we were met with such disgusting attitude and rudeness we actually decided to sign up with a new company due to the sales lady attitude. 

This account has been closed and as I mentioned the account holder ( my mother ) has passed away. I personally returned all the equipment and drove all the way to the companies location to assure this had been taken care of and I keep receiving these bill collections letters for various random amounts, this is ridiculous and I suggest you contact XXXX to verify this information. Thank you
Consumer complaint received 2023-03-23
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)

When I reviewed my credit report, I discovered that these accounts were erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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
Consumer complaint received 2020-09-30
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Midwestern Health Management INC (MO)

My wife and I found several collections from Northwest Financial Services/ Midwestern Health Managment . We didn't know anything about the debts but they were all marked as a medical bill. I attempted to contact them via phone, but they were unresponsive. I have sent three requests for validation in both my wife and I 's name. We mailed them on XX/XX/2020, XX/XX/2020, and on XX/XX/2020. During that time frame, we sent letters to the credit reporting companies and all but three of the accounts have been deleted. But to this day, we still have not gotten any paperwork from the Collection Company. Since they are joint accounts, we filled out an FTC Identity thief report and sent that paperwork with a letter of explanation on XX/XX/2020. Again we get nothing back from the collection company but Northwest was able to respond to all three credit reporting companies that the debts were validated. I don't know what to do at this point. My wife and I are not responsible for these bills. And at this point, Since they refuse to respond to me, I guess my next steps are to contact my attorney.
Consumer complaint received 2021-03-15
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AmeriHome Mortgage Company, LLC (NJ)

We took a mortgage loan for property XXXX XXXX XXXX  XXXX NJ XXXX on XX/XX/XXXX, and paid upfront Mortgage Insurance for {$6900.00} to avoid Monthly PMI payments since we put a down payment of 5 %. The loan was closed by XXXX XXXX XXXX XXXX XXXX Loan Officer - XXXX XXXX NMLS ID XXXX but currently serviced by AmeriHome Mortgage Loan Account XXXX However, we refinanced our mortgage with a lower rate, and AmeriHome Mortgage Account # XXXX was fully paid on XX/XX/XXXX. Therefore, I contacted the AmeriHome Customer dept to issue a Partial Refund of upfront paid Mortgage Insurance - {$6900.00} since the loan was fully paid in 14 months ( less than two years ). The Customer Rep asked me to send a written request for a refund, which I did two times XX/XX/XXXX ref # XXXX & XX/XX/XXXX ref # XXXX using AmeriHome online Message Center and both times they dodged my written query and second time closed it with no response. So I filed a complaint with XXXX XXXX XXXX, Complaint # XXXX, after which Amerihome Custome Manager XXXX XXXX contacted me and assured refund would be issued within 60 days. 

However, after a few weeks, Amerihome refused to issue a refund by saying that policy is non-refundable and asked to file an appeal with the XXXX customer dept. We were shocked to see the response as this was utterly cheating customer trust and causing significant financial loss without any of our faults. The policy details were never disclosed to us when closing the loan on XX/XX/XXXX ; neither did we sign any policy document showing it will be non-refundable. 

The Mortgage Insurance policy from XXXX XXXX XXXX, XXXX Certificate # XXXX, was bought by Loan Officer XXXX XXXX. In fact, when I was trying to refinance my loan last year, I first contacted the same Loan Officer, XXXX XXXX. Even at that time, he mentioned the policy would be refunded after they processed my new refinance loan and ran my credit in the last week of XX/XX/XXXX. But we proceeded to refinance the loan with another lender since they offered a better rate. 

As Amerihome Mortgage suggested, I sent an Appeal to the XXXX Customer dept via email on XX/XX/XXXX with all the details. Additionally, Loan Officer XXXX XXXX called me on XX/XX/XXXX, assuring a refund would be issued, when I confronted him on the call that you never disclosed policy terms or shared any policy documents during the closing. 

At this point, we attempted multiple times to resolve this issue and getting no help either from the Lender or XXXX policy issuer. For reference, attached is the email thread with XXXX and Amerihome Mortgage. The lender never shared any policy details or documents with us during the loan closing, which is a violation of the financial transparency law, refusing to accept their responsibility. I humbly request to help my family suffering a significant financial loss without any of our faults.
Consumer complaint received 2024-02-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ARC Management Group, LLC (IA)

I received a text from a XXXX number ( XXXX ) that said the following ( the errors and starting comma included ) : ", This is ARC Management Group contacting you on behalf of XXXX XXXX XXXX XXXX. 

Reply ARCMED to receive additional details. 

Para recibir detalles en XXXX, po favor responda con ARCSPA Reply STOP to cancel, msg & data rates may apply ALL REPLIES OUTSIDE OF STOP or the Keyword. PLEASE DIRECT TO reply@arcmgmt.com, and please include identifying information when emailing ( account number, phone number, etc. ) '' I looked up ARC Management, and they're a debt collection company in Georgia. However, their phone number did not match the one this text came from, and their contact email used XXXX '' instead of XXXX ''. 

I've never been a patient at XXXX XXXX XXXX XXXX and don't even know where that is. Nor have I ever received any bills from those hospitalists. 

When I tried calling them, I couldn't reach a real person. So I called the main XXXX XXXXl in town, and they had never heard of this ARC Management Group either. They transferred me to the hospital VP ( I think ), but she didn't answer so I left a message and never got a call back. 

I hope this is a scam text, so I tried to report it to reportfraud.ftc.gov, but since this dealt with debt collection, they sent me to the CFPB address and this form.
Consumer complaint received 2024-04-05
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Shellpoint Partners, LLC ()

New Rez/Shellpoint Servicing no help fixing their own mistakes. I haven't made a late payment in XXXX  years or more. They changed their servicing company entities, but still to XXXX under their umbrella. I came back from a 1 month vacation to foreclosure threats because the servicing company has changed. I recieved a letter before I left that no actions were needed by me. I called that very day of my return and was told if I made a double payment that day it wouldn't not be reported to the credit bureaus. Then I looked into it and the previous servicing company had refunded my 1 month payment to me instead of forwarding it to the new servicer. I was told after spending hours and XXXX phone calls to them of course with long hold times that the employee I spoke to told me the wrong thing, and nothing can be done about it, my credit is affected, oh well, that is just the way it is. They acknowledged that they gave me incorrect information on the phone. In addition, I keep telling them the correct mailing address and they send information to the wrong mailing address for me. What do I get for my hours on the phone, and letters I have written? A credit drop of XXXX points. I waited for a response for 2 months for them to tell me, that it's my problem they make mistakes. Again, that letter was sent to the wrong address, I haven't received it, but they emailed it to me per my request when I called today XX/XX/24 at XXXX XXXX. I advise everyone not to take out a loan if it is serviced by this company.
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc. (OH)

I seen on that self visa credit card was reporting late payments on my credit profile accofdance with the Fair Credit Reporting 254 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit for any purpose. All these violations are a direct violation of 15 USC 1681. No consent is identity theft, and these violations are Aggravated Identity theft, according to [ 18 USC 1028A ] ( a ) ( 1 ). You have knowingly transferred, possessed, and used, without lawful authority, a means of identification of me, which is a felony punishable up to 2 years of imprisonment, in addition to civil liability. 
For damages, I am invoking my rights as a consumer pursuant to 15 USC 1681 ( n ) civil liability, and I demand compensation for every violation listed below ; 1 Permissible purpose {$1000.00} Defamation of character {$1000.00} Damaged reputation {$1000.00} 4 Damaged credit worthiness {$1000.00} Damaged mode of living {$1000.00} 6 Infringed on right to privacy {$1000.00} Cease the reporting of this erroneous and deceptive information on my consumer report. Delete the specified accounts from my consumer report and all your systems. 
Sincerely XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-05
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Didn't receive terms that were advertised
Company: GOLDMAN SACHS BANK USA (FL)

I've had a XXXX credit card with Marcus since XX/XX/XXXX. Since then I've opened XXXX  and a XXXX account. 

On XX/XX/XXXX I received an email from Marcus entitled " Lock in this rate on our promotional XXXX  term ''. The email states, " Special promotional XXXX  term XXXX High-Yield XXXX XXXX XXXX XXXX '' Underneath the above verbiage is the following : Hi XXXX, Now is XXXX great time to boost your savings with our XXXX XXXXand its even better with this special promotional term : Open a XXXX XXXX XXXX and earn XXXX XXXX XXXX  Offer expires XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX When I logged into my account to open a new XXXX  the offer for the same type of XXXX  and term is now XXXX XXXX 

I called Marcus customer service and was told the rates had changed. I referenced the letter I received ( noted above ) to the representative and asked if they were going go honor the rate in the email of XXXX XXXX  and she said no. I said that was false advertising. I said well, the XXXX  has not changed their rates and she said their ( that is ; XXXX ) rates have changed. At that point I ended the call.
Consumer complaint received 2024-03-25
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: EQUIFAX, INC. (OH)

I been going back and forth with a company XXXX XXXX XXXX XXXX XXXX and Equifax keep letting this company update my report as accurate when its not accurate at all I asked this company to provide the original charging instrument and the XXXXXXXX XXXX showing the issuer of the funds and the holder of the funds and the company will not provide this information but keep updating my account as accurate and the XXXX credit bureaus havent done they part to make sure what Im requesting be provided
Consumer complaint received 2022-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OH)

Vacation Club Credit by XXXX XXXX Bank has not updated information with the credit bureaus since XXXX. I had made a major purchase in XXXX so it is showing a high balance on my account even though the account is now paid off. This is causing my credit utilization to appear much higher than it actually is, which is adversely affecting my credit score. I contacted XXXX and their response is that due to a failed system update in XXXX they have chosen not to report credit information at this time. If they are not going to provide updated information to the credit bureaus, the credit bureaus need to disregard the outdated information.
Consumer complaint received 2023-02-09
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: Experian Information Solutions Inc. (PA)

There are several inquiries on my credit report that I did but give authorization to nor was I aware of. 
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 XXXX
Consumer complaint received 2023-10-16
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: Onity Group Inc. (TX)

I have for XXXX weeks been trying to get an appointment with the loan relationship XXXX who is stated they received the modification request and POAs and XXXX related to medical issues and they will not provide a time with a relationship XXXX before the foreclosure date. 

Theyve gone up on the mortgage from its original payment price of {$650.00} per month to {$1200.00} per month. Theyve sent assessors out and charged that to the account, on top of the lender insurance. 
We made payments {$550.00} every XXXX weeks with AWD and that still was not enough to pay the mortgage. 

Had to resubmit POA paperwork to talk to them over a month ago ; I get shuffled from XXXX rep to another with different stories despite asking for escalation. Each week I am told theyll have an answer in 5 days on the modification, yet no answer. 

This is a game to them and its ridiculous.
Consumer complaint received 2023-02-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

1. My attachment will reflect my dates of inaccuracies 2. illegal showing of my Transaction history 3. Personal information shared without consent 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 Reporting of late payments or transaction history are illegal 15 U.S. Code 1681 ( A ) Your consumer report should not include transactions or experiences, my line of credit and payment history are a record of transactions which is a clear violation of 15 U.S.C 1681 ( A ) ( 2 ) i EXCLUSIONS.

( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) -report containing information solely as to transactions or experiences between the consumer and the person making the report.
Consumer complaint received 2024-04-06
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: Paypal Holdings, Inc (GA)

XXXX XXXX XXXX agreed to refund {$290.00} for overcharge of services never provided. XXXX XXXX reflects a refund of {$290.00} on my PayPal account but XXXX XXXX on actually refunded {$160.00} of the {$290.00}. PayPal offers a Purchase Protection on this particular card purchase up until XX/XX/2024. PayPal is refusing to honor there Purchase Protection guarantee stating I never provided proof XXXX XXXX intended to refund the services. I provided images of email communication as well as PayPal account activity record which reflect a {$290.00} refund but only {$160.00} refunded back to my form of payment which was my PayPal business card.
Consumer complaint received 2024-03-22
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)

Dear Consumer Financial Protection Bureau, I, XXXX XXXX, am lodging a formal complaint regarding an unauthorized and erroneous collection account appearing on my credit report, attributed to States Recovery Systems. This entry has been reported without my knowledge or agreement, and I assert that I have no contractual relationship with States Recovery Systems nor have I authorized the use of my personal information for such reporting. 

This matter contravenes several provisions of the Fair Credit Reporting Act ( FCRA ), particularly Sections 607 ( a ) ( 1 ) and ( 2 ), which mandate that credit reporting agencies maintain accurate, complete, and current data. Additionally, Section 615 ( a ) ( 1 ) clearly prohibits the dissemination of information to consumer reporting agencies based on inaccurate knowledge, a principle clearly violated in my case.

Moreover, Section 621 of the FCRA outlines the liabilities faced by entities failing to adhere to these requirements, stating that violators are subject to compensation claims by affected consumers. This scenario is further supported by violations of 15 U.S.C 1681 et seq, including Sections 1681i and 1681j, which emphasize the obligation of credit reporting agencies to ensure utmost accuracy in their reporting practices.

The dubious nature of the collection account, which appears to have been illicitly traded, also infringes upon the Fair Debt Collection Practices Act ( FDCPA ) and the Rosenthal Fair Debt Collection Practices Act ( RFDCPA ). These acts explicitly forbid the sale or acquisition of debts known to be invalid. Furthermore, such practices may constitute deception or fraud as described under federal statutes 18 U.S.C. 1341 ( Mail Fraud ) and 18 U.S.C. 1343 ( Wire Fraud ).

I appreciate your immediate attention and resolution to this pressing issue. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-02-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc. (FL)

Very simple. Promotion was Earn a {$100.00} statement credit when you open and use the Sony XXXX within 60 days of account opening. Then, earn a {$50.00} credit when you spend {$500.00} within 60 days of account opening. 

On XX/XX/2022 I received an email from Comenity stating " Youve made your first purchase with your Sony XXXX Credit Card, which means your {$100.00} statement credit is on the way! Keep using your Sony XXXX to earn another {$50.00} statement credit when you spend {$500.00} within 60 days of account opening. '' XXXX XXXX XXXX of Comenity claims " On XX/XX/2022, a {$100.00} statement credit was applied to the account. New cardholders receive a {$50.00} statement credit after the first card purchase. New cardholders also receive an additional {$50.00} statement credit after spending {$500.00} or more within 60 days of account opening. '' He is referring to the current promotion, NOT the promotion that was in effect when I got this card ( as proved by the bank 's email to me ). XXXX XXXX also fails to notice that the initial {$100.00} credit to me was paid BEFORE I spent {$500.00}, so his explanation is obviously incorrect. 

I reached the {$500.00} total of XX/XX/XXXX. 

All I ask is that the bank live up to the terms of the promotion. I have included copies of the bank 's XXXX email to me, a second email dated XXXX stating " Dont miss out on another {$50.00} statement credit '' and XXXX XXXX XXXX letter.
Consumer complaint received 2020-09-30
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

On XX/XX/2020, I closed out a HELOC and I was supposed to get a refund of {$240.00} for the principal that I had paid. Bank of America has not refunded me. Today is XX/XX/2020. I have called them, went to meet with them and all they have said that a refund check was mailed to me on XX/XX/2020. I have not received that check. on XXXX XXXX, they stated on a call with them that they would investigate the lost check adn reissue the check. XXXX, who I spoke to gave me a case number # XXXX. I am on hold waiting to speak to a representative right now and have been on hold for over 40 mins. I don't know what to do to get my money back.