davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-02
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (CA)

On XX/XX/XXXX, we attempted to begin a refinance of our FHA mortgage held by Freedom Mortgage. They had been contacting us directly to refi, stating it would be an easy process because we are existing customers. We allowed them to run our credit and process our application. On many occasions, our sensitive information ( paystubs, SS card, transcripts ) had been lost and we had to supply it again to other employees with Freedom Mortgage. In our first XXXX complaint, we alleged this but the person who responded said we could rest assured that nothing is lost. But, we do not believe that and will not accept that without proof that they still maintain every document we have submitted. We had been shuffled around from employee to employee over the course of 3 months just trying to get any information we could to close this transaction in a timely manner but that was impossible. We were told in our first CFPB response from Freedom on XX/XX/XXXX, that they would attempt to close this deal in 3-5 business days. After our complaint was alleged, Freedom decided to retaliate against us and asked us to prove we had enough funds to pay the first mortgage payment in reserves. This was never brought up in the 3 months this transaction was being " worked '' on. We supplied an account summary of our checking account showing sufficient funds. For several days, no one would reply to our emails or calls about whether that would suffice to show enough reserves. Today, my husband got a hold of someone at Freedom and they now are saying they are denying our loan because we paid 1 payment " 30 days late '' in XX/XX/XXXX. It was due XXXX and we paid XXXX and another payment for XXXX within a week. 

They pulled credit in early XXXX, they were aware of our payment history with them and had access to all of our account information since before we even began the refinance process. They were after all contacting us to refi, not the other way around. If they knew that XXXX 30 day late payment would obstruct us from refinancing according to their criteria, why are they hounding us with marketing for refinancing as current customers? Why was our refi application not immediately shut down after reviewing our payment history in the first day of applying? Because Freedom Mortgage is inept to carry out business. It's not like our complaint is the first they've ever seen. The internet is riddled with the same complaints. 

This reason for denying our application is purely a retaliation response. 

Freedom Mortgage is inept, unprofessional, unequipped, understaffed and illegitimate. Their left had has no idea what their right hand is doing. They drag people through the mud for months on end because they are a complete mess. A company who should not be allowed to advertise financial products, let alone offer them.
Consumer complaint received 2023-04-06
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Tri-State Adjustments, Inc. (NJ)

I am on the NJ State Medicare QMB program where I do not have cost sharing of coinsurance, and deductibles. or co-payments from all/any healthcare providers. When I see a health care provider I give them my NJ state Medicare QMB letter which states the above and is a volitation with sanctions under four sections of the social security act to bill me or put me in collections under this Federal Medicare billing agreement. I also submit to them my Medicare card and Medicare XXXX XXXX XXXX 
I am being harassed by collection bills, and have been put into collections. and have also filed a complaint with Medicare.
Consumer complaint received 2021-02-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (PA)

I was contacted by Jefferson Capital Systems. They informed me that i had a debt in collections from XXXX. I only have one XXXX account and it is in good standing with the company. ( i called XXXX to confirm ) Jefferson Capital Systems offered me a 30 % discount to pay my balance off. They frequently call and have sent a certified letter in the mail. XXXX has confirmed that I do only have one account with my social security number and noted on my account that there was a phishing attempt.
Consumer complaint received 2018-05-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (WI)

I was charged for an XXXX XXXX account without my permission. When I tried to get a refund they closed the account they kept me on the telephone for an hour trying to prevent the refund.
Consumer complaint received 2023-04-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA (LA)

On XXXX I noticed a charge for {$1000.00} at XXXX XXXX XXXXXXXX. I disputed the charge with Apple Card by Goldman Sachs Bank. They asked me to provide some proof that I was not in Florida. I sent them credit card transactions of purchases that I made with others credit cards in the XXXX XXXX XXXX area at there request. The GS customer support said that should take care it. It did not, then I asked for the evidence that was used as proof that I stayed at that XXXX. I was provided with a false LA drivers license that does not match my DOB or drivers license number or photo. As a GS BANK customer they use my DOB to verify me over the phone and fake ID has a different DOB. To me that should have proved I did not make the transaction. I also sent them a copy of my drivers and US passport ID card with photo to show the photos do not remotely match the photos of the fraudsters at the XXXX. GS Bank has yet to credit my account or resolve this case when they are not even matching the DOB and Drivers numbers to there own know your customer policy and Patriot Act standards. I have Bank accounts with them as well and they have my drivers license number and DOB as requirement to open the account. I would appreciate any help with getting this issue resolved.
Consumer complaint received 2022-11-03
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: Experian Information Solutions Inc. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against you!
Consumer complaint received 2022-02-15
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: JPMORGAN CHASE & CO. (NY)

Chase XXXX credit card has the new benefit as {$50.00} hotel credit on the Chase Sapphire XXXX. I met all the terms and completed my hotel stay on XXXX XXXX with Chase and paid in full {$150.00}. However, upon my statement issued, I haven't seen any credit posted yet. 
I called the customer service and three different representatives all acknowledged that I med the criteria and it is strange that I didn't get the credit. However, they all refuse to issues the credit or submit the escalation request on my behalf. The issues remains unsolved.
Consumer complaint received 2023-03-24
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY (OK)

When I went to trade in my car to another dealer when I still owed on it through Wells Fargo it was showing me I owed {$5700.00} left and they added a extra {$1200.00} to the over all payout.
Consumer complaint received 2022-02-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. I have a loan with XXXX with the account number XXXX but I was never late on making my payment. However, the 30 days late which was tagged in the month on XX/XX/2021 was a question for me since I was never notified nor informed of the said issue. Thus, I have been asking for any proof that can be used for me to validate the result of their investigation.
Consumer complaint received 2018-12-05
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: ERC (NY)

I called XXXX customer service to advise them that I did not inquire anything or apply to any cards or loan with their company. The representative gave me an adress. I mailed them a letter and yet havent received a response.
Consumer complaint received 2022-11-03
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: ENCORE CAPITAL GROUP INC. (TX)

I sent your company my dispute on XX/XX/2022, which you received and investigated on. I have reason to believe that you conducted a reasonable investigation. Therefore, I am invoking the Fair Credit Reporting Act Section 611 to ask that you provide me with the following information : 1. The date you contacted the creditor 2. The contact information for the creditor 3. The name of the person who verified the item to you 4. The method of communication you used to verify this information 5. Did the creditor provide you with my SSN, address, and Date of Birth?
Consumer complaint received 2023-03-24
Product: Credit card or prepaid card — Payroll card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Blackhawk Network Holdings Inc. (TX)

I moved in XXXX of XXXX. As soon as I moved, I updated my address with my employer. My 1099 associated with this card has gone to my new address for the last two years. My prepaid card expired on XXXX. I was told I would receive a new one in the mail. I waited until XXXX to request a new card. At that time I was told the address was updated and the card was sent. I never got it. I called again on XXXX. I was told the exact same thing and given a case number of XXXX. I called back on XXXX and I was told they could not give me any information on my case number because 7-10 business days actually means they can not discuss the matter until 15 calendar days have passed. Today, XXXX, I was told I never called to change the address, even though I have a case number associated with the request. I was also told I can not request any changes of address due to the fact that I do not know the last deposits made. I have no way of accessing that information because my online access expired with the card on XXXX. Therefor I can not get a card mailed to me. 

In the address information of this form, I had to enter the billing address associated with that card. This however is NOT my current billing address.
Consumer complaint received 2018-05-08
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC (TN)

I had to go to a walk in clinic, XXXX XXXX XXXX XXXX, XXXX, in XXXX XXXX, TN on XX/XX/XXXX. At that time I was told by the clinic that all I had to pay at that time was {$25.00} and that they would send me an invoice for whatever the insurance didn't pay. 

Once we received the invoice, my wife called to set up payments of {$25.00} per month since our income is limited. My income has decreased by {$5000.00} over the past two years and my wife 's on XXXX. They would not work with her and demanded we pay in full. When my wife asked to speak to a supervisor she was put on hold for 20 minutes and then they hung up. She tried calling back but they wouldn't answer. 

My wife also tried calling their national office but they refused to work out a payment plan as well. 

They sent us to a collection agency and when I logged in and set up an account, I saw the amount is the same as on the printed statement. I tried to go ahead and pay on a credit card but it would not let me. The total we owe is {$110.00}. I went through the steps to pay this and when we got to the end it said I had typed in the wrong amount. They won't even let us pay in full and I fear that it will show up as old debt on our credit history. 

It has taken a long time for my wife and I to recover from a bankruptcy in XX/XX/XXXX and I don't want this hurting our credit when they refuse to take payment, even in full.
Consumer complaint received 2022-07-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America Late Fee and Interest Charge The following issue pertains to a {$25.00} late fee charged to {$120.00} in purchases on my Bank of America ( BofA ) XXXX credit card statement due on XX/XX/2022. I did not receive a XXXX statement, which follows the XXXX statement, due on XX/XX/2022, in the mail indicating my previous payment was deemed late. On XX/XX/2022, I mailed check # XXXX due XX/XX/2022. In addition, Ive been charged {$1.00} in interest, a total of {$26.00} for my check arriving late. 

To resolve the issue, on XX/XX/2022 I called BofA about the {$26.00} charge on my XXXX statement due on XX/XX/2022. I did not know what the charge was about. XXXX XXXX at BofA told me my check due XX/XX/2022 arrived one day late, XX/XX/2022, so I was charged a {$25.00} late fee. I asked her to remove the charge, because I thought six days should have been enough time for the check to arrive. 

My bank account statement shows check # XXXX, for {$120.00}, cashed on XX/XX/2022. 
I asked XXXX XXXX to send me the XXXX statement, which I hadnt received, payment due XX/XX/2022 and if I could speak to a manager. She said, she would get me to a manager. My call was handed over to a manager, XXXX XXXX. She said, shed try to waive the late fee and interest charge, but she couldnt get it to work. She asked me to call back after the XX/XX/XXXX XXXX to see if the late fee and interest were waived from the account. 

On XX/XX/XXXX, I spoke to XXXX XXXX. She told me the late fee was not waived. She said, the system wouldnt let her waive the late fee and interest. 

On XX/XX/XXXX, I tried one more time, getting customer service representative XXXX XXXX, then speaking to his manager XXXX XXXX. XXXX XXXX said, the late fee and interest could not be waived. The system wouldnt allow it, no one at BofA can tell me why the system would not allow it. As a fair resolution, Id like to get the {$25.00} late fee and {$1.00} in interest waived. The late fee and interest charge are 20.3 % of the XXXX purchase deemed late, which I find exorbitant. Also, BofA should honor the post-mark date on the correspondence, not the date when the check arrives, which its customers have no control over. 

Regards, XXXX XXXX
Consumer complaint received 2023-09-14
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: OneMain Finance Corporation (MO)

On last Tuesday I went in to One Main Financial and took in what they had ask for to complete the making it as if I ' d got the loan after about 45 min. They came ansaid I just a little bit under the mark and then took my score down XXXX pts after not giving me the money..Ok leave my credit score along if you are not going to give loan
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (HI)

I recently received a copy of my Experian credit report, and I noticed some late payments posted on my credit report : Your company is in clear violation of the law. Under 15 USC 1681 Section 609 ( a ) ( 1 ) ( A ) you are required by federal to verify- throuth the physical verification of the original signed consumer contract any and all accounts you must on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681 Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 5. Defamation of Character ( per se ) 6. Negligent Enablement of Identity Fraud 7. Fair Debt Collections Practices Act 15 USC 1692g violations 8. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, XXXX XXXX XXXX
Consumer complaint received 2022-07-22
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. (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. 


1XXXX XXXX XXXXXXXX # XXXX 2.XXXX XXXX # XXXX 3.XXXX XXXXXXXX XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602A States I have the right to privacy.

15 U.S.C 1681 section 604A 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 reporting agency
Consumer complaint received 2019-10-07
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Thrivepoint Financial Holdings, Inc. (CA)

Complaint ID : XXXX. See original complaint filed XX/XX/2019 and replied by company ( XXXX XXXX and or Renovate America ) on XX/XX/2019 with a huge lie! They never sent me an explanation of my complaint. My personal information is in their database although they claim to be ignorant of their own database. 
Case should be re-opened since they refused to explain their predatory, abusive, and deceptive business practice. Also their elder abuse exploitation! 
Please review the original complaint XX/XX/19 and the company 's deceptive reply on XX/XX/2019. In the meantime,, they are assessing daily interest and hidden charges on our account.
Consumer complaint received 2022-03-02
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: Arivo Acceptance, LLC (GA)

There are quite a few inquiries that i did not recognize on my credit report. I will list them below and would like for them to be looked into and removed please thanks.1XXXX XX/XX/XXXX. ( 2 ) -Arivo Acceptance XX/XX/XXXX. ( 3 ) -XXXX XXXXXXXX XX/XX/XXXX. ( 4 ) -XXXX XXXXXXXX XX/XX/XXXX. ( 5 ) -XXXX XX/XX/XXXX. ( 6 ) -XXXX XX/XX/XXXX. ( 7 ) XXXX XXXX XXXX XX/XX/XXXX. ( 8 ) -XXXX XXXX  XX/XX/XXXX. ( 9 ) XXXX XXXX XX/XX/XXXX. ( 10 ) -XXXX XX/XX/XXXX. ( 11 ) XXXX XX/XX/XXXX. ( 12 ) -XXXX XXXX XXXX  XX/XX/XXXX. ( 13 ) -XXXX XXXX XX/XX/XXXX. ( 14 ) -XXXX XXXX XX/XX/XXXX. ( 15 ) XXXX XXXX XX/XX/XXXX. Please investigate this unrecognizable and unauthorized inquiries please thanks.
Consumer complaint received 2021-02-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

On the month of XX/XX/2020 I CONTACTED PORTFOLIO RECOVERY ASSOCIATES. About a purchased debt from the original creditor XXXX XXXX, in the amount of {$1500.00} A DEBT THAT I DO NOT OWN* I tried talking to multiple agents at Portfolio Recovery Associates to removed the False inaccurate account from my consumer report I went as far as asking to speak with the Vice President of the company and they refuse to transfer my call I constantly asked them to removed the debt with no proof it belongs to me. I feel my rights have been violated as a consumer and have been taken advantage By XXXX XXXX  and Portfolio Recovery Associates. Section FCRA 611 ( a ) as it states failure to investigate items within 30 days gives reason for deletion immediately. It has been well over 60 days and this account is still reporting to my consumer report.
Consumer complaint received 2022-03-02
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: National Credit Adjusters, LLC (TN)

I submitted a complaint to National Credit Adjusters regarding an account they are reporting on my credit report wrongfully. I have asked the collection agency to verify this debt is valid. They did send me an alleged contract from the original creditor, however the information they sent me further verifies my reason for dispute. This account was opened fraudulently and does not belong to me. The social security number used is not mine. I am attaching proof of my actual ssn and proof of what the collection company verified inaccurately. As you can see from the attached documents, my ssn ends in XXXX, however the contract from the company ends in XXXX. Both the original creditor ( XXXX XXXX ) and the collection agency ( NCA ) failed to do proper and accurate research into this matter. This is unacceptable!!