davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-15
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC (MI)

Roundpoint mortgage managed property taxes collected at my XXXX XXXX 2016 closing and were advised a Veterans ' property tax waiver was awaiting the XXXX XXXX XXXX XXXX approval. The requested approval documentation was provided Roundpoint so the escrow analysis could begin. Weeks passed but no analysis was done. Per GH Twp, Roundpoint paid the summer taxes XXXX XXXX, 2016 instead of returning the funds to me, per the law. The emails I have demonstrate the lack of cooperation I 've received which included their designated ombudsman. I want Roundpoin to refund the property taxes they managed, returned to me ; I should not penalized ( XXXX60 day for return of funds ) for their errors, these funds should come from Rounpoint directly ... they can wait for the return.
Consumer complaint received 2024-02-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

I got scammed out of {$2400.00}. I filed a fraud report online on the government website. Basically someone reached out to me saying they would be able to help me with a loan with a 50 % discount offer. I.e., they said if I needed to pay a bill, they would pay for it and I would send them half. I agreed to do this with a {$5000.00} bill payment. They sent this amount to my credit card account. After a few days, once the payment hadn't bounced, I sent them the money from my Chase bank account. However, the payment they sent bounced a few days after that. They never sent me my money back. 
When I spoke to Chase, they made me come into the store in order to simply speak with someone on the phone who wasn't able to do anything about it anyway. They said they could not help me. 
However, since it was a transfer initiated in the bank, I should be able to get my money back.
Consumer complaint received 2024-02-27
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (TX)

Venmo froze my account immediately after i tried to conduct a transfer of my funds to another account that i authorized. I got an automated email requesting my photo ID. I submitted the requested documentation, emailed, and called. My account was frozen when I tried to transfer money out of it and when I contacted the company, they told me it was suspended for suspicious activity. I have asked for a specific reason and they will not provide one. They said it had to be handled by the accounts team, who they refuse to let me speak with. When I asked to speak with a supervisor, the supervisor hung up on me. I have provided the required information, yet they say it could take up to 15 business days to resolve the issue and will still not provide any reason for holding my {$200.00} hostage.
Consumer complaint received 2020-05-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: TD BANK US HOLDING COMPANY (DE)

TD Credit Card # XXXX XXXX XXXX XXXX I was trying to use my TD cards the last few months but was not able to. After trying for a few months on getting through customer service, finally I was able to get through on XX/XX/XXXX. I was informed by customer service the account was closed and they could not do anything. I have been a long time TD customer, I never have received any notice regarding this account closurer. This is absolutely astonishing given the Cov19 crisis that I'm trying to use this credit card to purchase daily essentials.
Consumer complaint received 2024-02-27
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Struggling to pay your loan — 
Company: CCF Intermediate Holdings LLC (NM)

I took out a title loan in XX/XX/XXXX on a XXXX XXXX XXXX XXXX. I received {$220.00} in cash and was given a printout of the loan papers. At the time no one really went through all the paperwork with me. Also the interest rate was 170 % on the loan. I made payments from XX/XX/XXXX to XX/XX/XXXX. I lost a job I was working at a local XXXX XXXX / XXXX XXXX. I was XXXX at the time and didn't realize the physical demands and was soon diagnosed with XXXX. The last payment was made in XX/XX/XXXX. I contacted TitleMax  to explain the situation and I was looking for another job. This ended up being a long process which set me further behind as I was only collecting my Social Security retirement and I am a XXXX XXXX  with no one to help me financially. TitleMax finally would accept a payoff of XXXX in XX/XX/XXXX. As I had no savings I asked my son and he would not help me. This payoff was for one day only. I called them back but to no avail. Once again I did not hear anything back. I did end up getting a part time job with the XXXX XXXX. So now I'm at a point where I am dependent on this car to keep my job. They are planning to have me back next school year. I worry constantly that I will be at work and my car will be repossessed and I will lose this job. As it is this job barely keeps me from drowning. 
I have recently tried negotiating with TitleMax for a reasonable payoff amount to no avail. I filed a complaint with NM Attorney General 's office. They contacted TitleMax for me but again no negotiation. The AG suggested I file a complaint with the NM Department of Justice. This will be my second. I am desperate to keep this job and want to come to a mutual payoff value to get my title back. My last conversation with them was about one month ago and they came up with a payoff of {$1700.00} in three  monthly installments. I simply can not afford this. I was told to call them back when I could. I just need someone who could lead a strong negotiation in my defense. They still practice in NM under a different name but TitleMax left our state in XX/XX/XXXX due to the bill approved to cap interest at 36 percent. 
Anything that could possibly be done to help me close this chapter of my life would be greatly appreciated.
Consumer complaint received 2024-02-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (IL)

I am a victim of identity theft. I have never owned an account with Jefferson Capital Systems LLC. I did not give them authorization to report to my credit. Please DELETE from my credit report. They are demanding {$660.00} placed for collection as individual responsibility to me, first reported on XX/XX/2024. They have not provided verification and documentation that there is a valid basis for claiming that I am required to pay the debt. 

I went to apply for my credit and was denied. This fraudulent account has disrupted my credit health. I have never given Jefferson Capital Systems LLC my personal information as a consumer, nor the permission to report my information to major credit bureaus, namely XXXX, XXXX, and XXXX.
Consumer complaint received 2024-02-20
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. (AZ)

To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the XXXX XXXX XXXX  ( XXXX XXXX ). 

Please remove these unverified and incomplete items listed below : 1. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

2. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
Consumer complaint received 2021-11-27
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (TX)

I need to know the name of the furnisher of the information or the vendor that collected the information from a public record source, that reported to Experian that I have a bankruptcy. 
I am not disputing, nor asking for accuracy of the alleged bankruptcy. 

Please answer that one question plain, clear and simple.
Consumer complaint received 2024-02-27
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (NC)

I opened a credit card with Synchrony Bank, for a balance of {$700.00} with no interest for 1 year. I was making minimum payments due to Covid then midway through I made a higher payment then the bank lowered the card balance and availability by a couple XXXX dollars. I called to ask the reason for the credit limit decrease and was informed it's their right and if not paid by the 12 month it would be off the new credit limit. Subsequently the year hit and the interest was added which I was aware of. However, Synchrony based the interest of the original card credit limit and not the credit limit they changed the card to midway through. I called to dispute and explore medical/pandemic considerations. 
They mailed the payment history as requested but nothing reflecting the credit limit change and the reason for the current interest. They Subsequently sold the account and locked me out from reviewing the full record. The new debt collector stated that's not something they can investigate because Synchrony said the balance is final. I again asked since they are the new owners they should assume full responsibility and investigate the amount to make sure it's accurate. The male representative said he would consult with a supervisor and call back. A different representative called with the same offer to pay {$1000.00} after explaining the scenario and again requesting a supervisor, she put a representative on who said she was the supervisor but sounded like the same person. She again stated Synchrony sent them the amount and she couldn't change it. That was the end of the discussion and they placed the original amount and full interest on my credit report. They will not investigate they just revert back to Synchrony did it.
Consumer complaint received 2024-02-20
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. (OR)

I am writing to you concerning the reporting practices of your agency as they pertain to my credit file, and in particular, the apparent violation of 15 U.S. Code 1681a ( d ) ( 2 ) ( A ) regarding consumer reports.

As you are likely aware, 1681a ( d ) ( 2 ) ( A ) stipulates that the term " consumer report '' does not encompass reports containing information solely regarding transactions or experiences between the consumer and the reporting entity. Despite this clear provision of the law, I have observed instances where your agency has included information in my credit report that constitutes as experiences, such as late payments and utilization rates.

These violations not only misrepresent my creditworthiness but also directly contravene the provisions set forth by the aforementioned statute. Therefore, in accordance with my rights under the Fair Credit Reporting Act, I am formally demanding the following actions to rectify this matter : Update all late payments on my credit report to reflect " paid as agreed. '' Remove all instances of charge-offs from my credit report. 
Reduce any utilization rates reported to XXXX. 
Failure to comply with these demands within XXXX  will leave me with no choice but to pursue litigation for each violation. Please be advised that under the Fair Credit Reporting Act, I am entitled to damages of {$1000.00} per violation, which includes {$1000.00} for each late payment reported and {$1000.00} for each charge-off reported. 

I trust that you will take this matter seriously and act promptly to rectify the violations in my credit report.
Consumer complaint received 2015-08-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ERC (TX)

Company continues to report on my credit report this debt. I settled this with another collection agency and received a letter stating it was paid. Sent all verification to this second company, Enhanced Recovery Company, and they refuse to remove it and continue to report to credit bureau. They are attempting to collect a debt already settled and paid. They continue to state " we do n't know if it 's been paid '' even though verification letter states " Paid ''.
Consumer complaint received 2024-02-20
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. (MI)

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.

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 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Re : CLAIM FOR OUT OF POCKET LOSSSES, TIME SPENT & DELETE FRAUDULENT ACCOUNTS FROM MY CONSUMER REPORT My consumer report and personal information was SEVERELY DAMAGE CAUSED BY DATA SECURITY BREACH OF EQUIFAX. 
SETTLEMENT AND JUDGEMENT XXXX  DOCKET No. XXXX XXXX TIME SPENT : 20 HOURS ( {$25.00} per hour ) = {$500.00} OUT OF POCKET LOSSES : {$15000.00} see report attached
Consumer complaint received 2024-02-20
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. (GA)

XXXX XXXX XXXX XXXX. In accordance to the fair credit report Act : this creditor has violated my rights under 15 USC1681 section ( a ) ( 4 ) which states : There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. 

604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] states : ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : XXXX. In accordance with the written instructions of the consumer to whom it relates. 

15 USCS 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan late for any purpose.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

Upon reviewing my three credit reports recently, I observed that XXXX and Equifax are still indicating a collection account that I have no recollection of applying for. Fortunately, XXXX has addressed this issue and removed the collection from my credit report. After contacting XXXX and Equifax I was met with push-back even though I expressed the collection in question did not belong to me.
Consumer complaint received 2016-03-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I have my monthly payment on the loan ahead by 1 month for the past almost 6 years ... i wanted a buffer of at least 2 months ahead in case of an emergency where we could not pay. 
received a letter from the bank saying they applied my payment elsewhere. I do not receive my statements in a timely fashion and have complained 2 times. the document said check my statement to see where the payment was applied. ... i have a receipt for where I DEDICATED THE MONEY TO ... .UNDER MY CONTRACT I HAVE THE RIGHT TO PAY OFF EARLY ... there is NO STIPULATIONS on how it is done ... ..bank of america has broken our contract. When entering into a contract BOTH PARTIES MUST ABIDE BY THE TERMS SET ... .you can not change the rules to the GAME when the game is in process ... ..unless both parties agreed. ... ..
Consumer complaint received 2024-03-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (WA)

I recently completed a refinancing of my Mohela federal student loan with XXXX XXXX XXXX XXXX Mohela XXXX XXXX XXXXXX/XX/XXXX which turns out to be an over payment of {$540.00} to my principal balance. Mohela is supposed to refund this over payment of {$540.00} to my XXXXMohela account and close my account with Mohela accordingly XXXX On XX/XX/XXXX when I spoke to a Mohela advanced agent on the phone about this, the agent told me it should take only 30 days from XX/XX/XXXX to process this refund to XXXXMohela , because this request has been expedited. On XX/XX/XXXX when I spoke with another Mohela agent on the phone, he told me the refund will now take 60 days, instead of 30 days. On XX/XX/XXXX, when I spoke to another Mohela agent on the phone, she told me the refund will now take 90 days, and I was misinformed by the previous Mohela agents who told me it would take 30-60 days to process the refund. 

Please see the attached screenshot of my Mohela online account from XX/XX/XXXX : my balance is still showing XXXX XXXX XXXX XXXX XXXX XXXX XXXXMohela account is still not processed ), and Account Summary is showing Monthly Payment Amount of {$110.00} with 7.9 % Interest, which should be XXXX payment with zero interest, because my balance has been paid in full XXXX XXXX-Mohela through my refinancing of this loan.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CBC Companies, Inc. (CA)

Under penalty of perjury ( as defined by XXXX law, if carried out outside of the XXXX ), I certify that the information above is accurate and truthful to the best of my knowledge. In addition, I attest that I am authorized to submit this disagreement under both federal and state law. I am also aware that purposeful and deliberate falsification or omission of relevant information is illegal under 18 U.S.C. 1001 and is considered a federal crime. In addition, under 18 U.S.C. 1621, these falsehoods are punishable as perjury. These items that I saw in my credit report had nothing to do with any purchases I made. I am claiming that someone or a business applied for products, services, or money using my personal identification information without my consent, and they were successful in setting up a few accounts. The FTC is looking into everything. 
I'm going to sue your organization for creating a bogus account on my credit record, therefore you take immediate action to erase this account from all three of my credit reports.
Consumer complaint received 2021-10-31
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: Herbert P. Sears Co., Inc. (CA)

I submitted a dispute through XXXX XXXX, and they helped me out and they said I was right, the account was mine and its under credit collection and its having a hard impact on my credit, the company hasnt tried to remove the collection from XXXX
Consumer complaint received 2024-03-12
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (GA)

Three times in XXXX months I asked for a credit limit increase. Credit score currently XXXX on their site. Was denied -stated there is a derogatory account on XXXX Credit score. When called and chatted with customer service, they stated there is no derogatory account and they stated I needed to contact XXXX for information. Stated there is no information and XXXX stated they can't assist because there is not information they reported. Stated it has to be internal information they are using.
Consumer complaint received 2024-03-06
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SHARP COLLECTIONS, INC (PA)

In early XXXX I was given a past due notice for a tax bill I never received. I attempted to resolve this with the debt collector and my local municipal government through a combination of email, phone calls, and in person conversations but proof of a delivered tax notice was not provided. 

I offered to pay the tax amount, but was not willing to pay the collection fees. Sharp Collections was not willing to provide this amount to me, nor was my municipal government willing to accept payment.
Consumer complaint received 2024-03-06
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: The Outsource Group, Inc (NC)

Medcredit Choice XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX  they call all hours of the day told them to stop calling even tried blocking them but yet they get another number keep on calling