davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-25
Product: Debt collection — Auto debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: General Motors Financial Company, Inc. (NY)

GM Financial is harassing me. I have had 3 leased vehicles with GM Financial in the last 10 years. I turned in my last leased vehicle, a XXXX XXXX XXXX, in XX/XX/XXXX. It was under the mileage, no excess wear and tear, and the lease payments were made in full. That was ten ( 10 ) months ago. I did not go into a new lease and instead purchased a  used vehicle. One week ago I started getting several calls a day from GM financial on my work cell phone claiming I owed {$460.00}. I have not received a bill from GM Financial. Because I turned the vehicle in 10 months ago, it was a shock to me I was getting calls from them claiming I owe them money. I didn't even know my account number to verify with them or to ask any questions about what in the world I owed {$460.00} for because I haven't had the vehicle in almost a year and I knew it was paid off in full. On XX/XX/XXXX, I finally located an old account statement which gave me my account number and I was able to call them back and get information. The woman then told me it was for a lease disposition fee that was in my contract. Why in the world they waited 10 months to charge this fee to me, is beyond me. I asked them to please re-send the bill to my house as I can't pay it because I haven't seen it. The woman assured me she would re-send ( mail ) the bill. She told me it would take 7-10 days for me to receive it and the collection calls would stop in the mean time. Today, XX/XX/XXXX at XXXX EST I received another call from them. I didn't answer because I was on another call but I did call back at XXXX and re-explained, I do not have a bill. I will not pay this bill until I see it. I asked again to have the bill re-sent to me and I asked them to stop calling me. This is harassment at this point. They are calling me several time a day. They haven't sent me a bill. This is insane. My account number with them is XXXX. Name : XXXX XXXX.
Consumer complaint received 2021-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MA)

I have tried everything to resolve the issue from writing XXXX XXXX a letter to calling to disputing the issue with the bureaus but nothing has worked as they are refusing to acknowledge my request the XXXX at XXXX XXXX laughed at my concerned and said i would never be able to remove the remark as they say was reported correctly the issue is that it was NOT i paid my lease every mo the on time they failed to report an excise bill and too the money from my monthly hill to pay the excise bill when confronted why they shared that it was a system issue they have and was processed that way
Consumer complaint received 2021-06-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (MD)

All Rewards Ann Taylor Master Card has assess fees AFTER I paid the balance of the card off by the due date on XX/XX/2021. I believe they assess interest a month or more post the statement which results in always having a balance on the card. When you think you have paid a card off, they further assess late fees on accrued interest on a XXXX  balance.
Consumer complaint received 2021-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

Since XXXX, I have had this complaint with the XXXX XXXX  XXXX XXXX XXXX ( XXXX ) in XXXX, Virginia. XXXX reported to the credit bureaus two months of late payments for my mortgage during XXXX and XXXX. I had closed on a mortgage loan with XXXX XXXX in XX/XX/XXXX. 

I called and spoke with a XXXX  mortgage representative who advised me to contact XXXX XXXX. XXXX XXXX told me that my loan had been satisfactory closed and emailed me a copy of my credit report on XXXX ( pg 2 ). I also had my closing disclosure for verification. I proceeded to email XXXX on XXXX ( pg 2 ) and never received a response. 

In XX/XX/XXXX, I received from XXXX just the certificate of satisfaction from XXXX in an envelope with no correspondence included ( pg 1 ). After receiving the certificate of satisfaction, I called XXXX mortgage services office to please clarify and explain to me why my account still reflected a mortgage balance. I was told again that I needed to contact XXXX XXXX. I was totally frustrated and XXXX. I later sent another email to XXXX XXXX on XXXX ( pg 3 & pg 4 ). 

I want to refinance but unable to refinance due to my low credit score.
Consumer complaint received 2022-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

My information was exposed in a data breach with XXXX there are accounts and inquiries showing up on my credit bureaus I want removed from my credit reports, this is fraud, i have filed a ftc identity theft report with the ftc, my information has been used illegally and Im tired of it, please remove all accounts that XXXX going go list on this complaint XXXX XXXX XXXX XXXX XXXX bank, XXXX co XXXX bank credit card XXXX XXXX XXXX XXXX destiny credit card Capital XXXX credit card These are actual accounts not inquiries Please remove from my credit reports and do not put a fraud alert on my credit reports Im reporting the situation to XXXX as XXXX filing this complaint to consumer financial protection bureau to help with this situation please remove all,
Consumer complaint received 2022-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting Act Convergent Account XXXXXXXX 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 602 A section 2. It also states a Consumer Reporting Agency can not furnish a account without my written permission or instructions.
Consumer complaint received 2022-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

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 filing a legal complaint against you!
Consumer complaint received 2021-10-27
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. (NY)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-03-21
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (TX)

I am currently being charged late fees each month although I paid my balance XX/XX/2020. This is negatively affecting my credit. I made my balance off XX/XX/2020 and was charged a late fee. I requested to have the fee waived but was denied. The company has been charging me late fees every month and reporting negatively to my credit report every month. I would like for the fees to be removed and my credit updated. This would be the best consumer focused approach.
Consumer complaint received 2020-11-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (NJ)

Hello CFPB, On XX/XX/20 I spoke with America Express Customer service in regards to my Bill Auto pay. At the time we updated my auto pay billing account number. The rep stated that it was all done and to expect email confirmation. After I received the email confirmation the customer service rep and I finished the conversation and moved on to my second American express account where she updated the same account details aforementioned. As a surprise on XX/XX/20 I received an email from American express stating the below : Important Account Status Notice of Account Cancellation Your Account ending in XXXX Log in to Manage Your Account Online Dear XXXX XXXX XXXX : We are contacting you to be sure you do not have any surprises when you try to use your card. We wanted to let you know we have had to make the decision to close your account listed above. 

Please tell any Additional Card Members on this account of this change so they do not have an unexpected inconvenience when attempting to use the Card.

You should also destroy the card ( s ) and any convenience checks you may have for the account ( s ). 
If you have any recurring charges on these accounts such as cell phone charges, please contact that company immediately to ensure your other bills do not go unpaid. 
You will also receive this information by letter, but we wanted to be sure you were aware of this change as soon as possible. 

Sincerely, AmericanExpressAccount Services View Our Privacy Statement | Add Us to Your Address Book This is a customer service e-mail fromAmericanExpress. Using the spam/junk mail function may not block servicing messages from being sent to your email account. To learn more about e-mail security or report a suspicious e-mail, please visit us atamericanexpress.com/phishing. We kindly ask you not to reply to this e-mail but instead contact us securely viaCustomer Care.

2020AmericanExpress. All rights reserved. 

I contacted American Express to express my frustration in regards to their decision, after, I updated my account details they cancelled my account even though I showed my intentions to continue to pay my balance by updating my bank auto pay information. I don't believe is fair to me as a customer to have to pay the balance without the benefits of having the account anymore and the negative impact that it will cause to my credit score once this account is reported to the credit Bureau. I am asking for the creditor to evaluate my account and attempt to reinstate it as I believe is the most logical thing to-do at this point.
Consumer complaint received 2022-03-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

I want to bring to the attention I feel like I been discriminated because because of my XXXX Chase decided to close my account they didn't tell me why all they told me that the people in the back room which I'm confused because I never heard of something like that but they close my account and they didn't tell me why they told me in a rude way that there was no no turning back from their decision and the problem is that it's already the XXXX and I get a direct deposit from my social security SSI benefits I'm completely left with not being able to get my deposit on the XXXX which is a few days away I have to pay rent I haven't had no bad debts with Chase everything was good and for any I don't know what reason they disclose my account but I really think that is very discriminated knowing that I explained my situation the kind of benefits I get and they said they didn't care I mean well who treats a person like that thank you. I will find some legal help with somebody that deals with XXXX discrimination because I feel because these people who they said work in the back room that brought the decision and there was no reversal from the decision I'll be lifting the streets because of this closing of my account where I receive my benefit payment every month.
Consumer complaint received 2022-03-11
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. (GA)

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 filing a legal complaint against you!
Consumer complaint received 2022-03-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

I have transact with virtual goods like trying selling XXXX  currency and receive payments through Paypal but it it says that it will be hold for 7 days until it goes 21 days and now 180 days. I'm worried about my funds so I have my own research and found out that some of the complaints are they don't get their money back after 180 days so I refunded it to the buyer and now I lost {$10.00} but that's fine. My concern here is my paypal account because it has been permanently limited. I need my paypal for transactions like receiving money from the buyer because I haven't receive my remaining payments yet because I'm on permanently limited. Hope you would fix this because it really gives me headache. As soon as possible please.God bless
Consumer complaint received 2022-12-03
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: OneMain Finance Corporation (GA)

15 usc 1681 602 states I have the right to privacy 15 usc 1681 section 604 a section 2 it also states a consumer report furnish an account without my written instructions 15 usc 1666b A creditor my not treat a payment on a credit account open-end consumer credit as late for any purpose
Consumer complaint received 2022-02-11
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: SYNCHRONY FINANCIAL (FL)

XXXX, 2020 I bought two bunkbed sets for my grandchildren from XXXX XXXX XXXX and XXXX XXXX Florida I wanted to make monthly payments I put {$1100.00} down apparently when I bought the furniture I was buying through this deal they had going on which I did not want and I let them know plain and clear I want to make monthly payments Ive been making those monthly payments I am current with those monthly payments XXXX fine furniture opened up a synchrony card in my name and put that 90 day interest on that card it started out as XXXX then it went to XXXX now I wan na say its probably about XXXX. These companies steal from the consumers
Consumer complaint received 2020-12-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Dynamic Recovery Solutions, LLC (KS)

On XX/XX/2020 I received 2 letters from XXXX  XXXX  XXXX  asking me for money to pay a debt I do not own. They said that the creditor is XXXX XXXX XXXX. I'm very worry because they have my personal information. And all my debts are payed. They said that the balances are {$2.00}, XXXX and {$6.00}, XXXX. I tried to call them but never answered.
Consumer complaint received 2023-11-02
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. (LA)

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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written inructions 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 2022-04-06
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: EQUIFAX, INC. (MD)

I have send a numerous amount of letters and details about multiple items on my credit file that have not been verified by your company. I sent out letters stating that I would like to see verifiable proof ( an orginal consumer contract with my signature on it ) that you have on file of the accounts. Numerous letters have been sent out and multiple complaints and your company have been sent out but nothing has been done. I have been keeping close eye on things and keeping a good record of my filings. You all have fail to respond in 30 days and are breaking the law and will lead to a small claims action against your company that I and seeking XXXX per violation for Defamation, Negligent Enablement of Identity Fraud, Violations of the Fair Credit Reporting Act, and XXXX XXXX. Also stated from the company in my last complaint they review was completed and stated my results were mailed to me but the results they sent stated I did not lived in the united States or have a SSN which is also false because as my last complaint my SSN was attached to my documents it is in these complaint. This is my third complaint and attempt to resolve this matter.
Consumer complaint received 2022-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX {$0.00}
Consumer complaint received 2021-08-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Direct Recovery Services, LLC (OH)

Hello I'm reaching out to you. I received numerous calls to collect a debt. I have actually two collection agencies trying to collect on the same debt from XXXX XXXX. The one agency is XXXX XXXX XXXX  and also Direct Recovery XXXX. I don't want to be paying twice for something and the same debt. I was wondering if you could help me out and letting me know if two debt collectors can actually do this. If you could please help I appreciate it.
Consumer complaint received 2021-01-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I noticed that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept this!
Consumer complaint received 2022-02-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (GA)

Macys/DSNB reported an account to my credit. The account number is XXXX I have no knowledge of this debt and if this was used it is a result of fraud. I have disputed this account with Macys/DSNB and the credit reports and have not recieved any information back on the dispute other than " you owe ''. They have not provided a fraud affadavit, they have not provided background on this and have been flat out unresponsive. The delinquency date on this account seems to be from XX/XX/2016.
Consumer complaint received 2021-11-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (MI)

PayPal see had accepted in payment on my behalf and made it available XX/XX/XXXX at XXXX per the instructions on my website. Waiting. PayPal then decided to extend my waiting period until XX/XX/XXXX. Nothing was sold on PayPal nothing was exchange on PayPal nothing w or exchanged or process in any manner on PayPal 's website the businessman they sent me a payment that they owed me from two weeks ago and PayPal felt the need to hold the funds without any XXXX even though the payment has cleared their systems according to their supervisor. On top of which PayPal charge me a hefty fe PayPal has lied numerous times customer service has supplied me with exact times and dates that the payment was going to be issued on however they keep changing the date in which they want to send me my money. PayPal is acting like an extortionist holding people 's an individual 's money without regard to the individual 's rights or laws. I hope to see if he be fines and investigates why PayPal finds it necessary to hold individuals funds when they conducted zero business on their website