davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-07
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc. (TX)

This debt collector has engaged in practices that violate the Fair Debt Collection Practices Act ( FDCPA ). They have reported an account that I did not consent to, and there is no signed agreement from me authorizing it. A valid legal contract requires the signatures of both parties, and I was not involved in such an agreement. Furthermore, they failed to adhere to the proper XXXX validation process as mandated by the FDCPA. These actions clearly infringe upon my rights under the law, and I am entitled to compensation for these violations. I demand the immediate removal of this accountfrommyrecord.
Consumer complaint received 2020-06-30
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (FL)

XXXX XXXXXXXX College in XXXX XXXX, Florida charged me an extra {$2500.00} that i didn't owned. I was in my probration period and I withdrew at that time. Also Navient keep raising my interest on that loan also the others. I lost all my income due to the pandemic. I need help. I have exhausted all my options.
Consumer complaint received 2022-05-26
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: SYNCHRONY FINANCIAL (TX)

I had a XXXX 20 months ago and I received a care credit card to help me pay off the XXXX monthly. It was {$3300.00} originally, and I was told to pay the minimum payments each month to pay the balance off within 18 months. At some point, they changed my minimum payments from {$180.00} to {$100.00} which I continued to pay the minimum. I also moved apartments so my statements were sent to my old address. After 18 months, my account balance went back up to {$3100.00}. I called and they told me that since I did not call about the address change, then it's too bad and they can't do anything. They changed my minimum balance and now I am stuck with the original balance that continues to increase each month and I have no way of paying it off.
Consumer complaint received 2022-05-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO. (CA)

There were two inquiries using my name and social security number trying to open credit card accounts. I contacted both banks and had the accounts cancelled. My question is since my name and social security number has been compromised what are my next steps to rectify this problem?
Consumer complaint received 2022-01-14
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. (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. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : Chapter XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX SYSTEM ( Original Creditor : XXXX  XXXX XXXX XXXX ) XXXX XXXX ( XXXX Creditor : XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX
Consumer complaint received 2022-05-26
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)

XXXX XXXX " Late Payments '' - XXXX, XXXX, XX/XX/2021 XXXX XXXX XXXX " Late Payments '' - XX/XX/2021 These companies shared Improper information on my credit report which is a violation of 15 USC 1692d ( 1 ) - damaging my reputation in regards to my credit report. Remove items and report positively on my credit report. I did not consent, nor benefit from the following information being reported on my credit report. Please fall in line with the laws that are set for consumers. Thank you in advance.
Consumer complaint received 2022-06-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (IL)

On XX/XX/22 and XX/XX/22 I sent letters to XXXX, XXXX, XXXX and Discover credit card requesting verification of this debt. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ). I haven't received any documentation.
Consumer complaint received 2020-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc. (CA)

( Experian ) dropped my credit score 20 points without any reason. There is no unusual action happened to explain this big decrease for my credit score ( no late payment, no hard or soft inquiries ). This happened on XXXX. I called Experian customer service on the same day to help me understand why this drop happened. I called them on { XXXX ( XXXX ) XXXX }. At XXXX XXXX, i asked customer service representative to explain and she dont have a clear answer. She gaves me examples how to boost my credit score. But she didnt explain or answer my question about my credit score decreased. She asked me to find a financial advisor. And i asked here to fill complaint for my case. She puts me on hold and finally she told me she did and i will receive a confirmation email shortly. But till this time i am filling my complaint here I didnt receive any email confirming my complaint to Experian or even explain what happened with my credit score. My concern is to understand why my credit score dropped at least to avoid reapet this mistake ( if found ) in future. And if there is no reason for this decrease and it happened by mistake from Experian so i want to get back points i lost from my credit score. ( I attached here with my complaint a screen shots from my account on Experian showing that i did all my payment on time consistently for 16 months. And showing also how my credit score dropped by end of XXXX, XXXX points comparing with the month of XXXX. Considering there no hard/soft inquiries accured in this report period.
Consumer complaint received 2022-02-25
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. (CA)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE
Consumer complaint received 2020-06-30
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: CAPITAL ONE FINANCIAL CORPORATION (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX & XX/XX/2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2020-06-30
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. (MS)

I sent multiple credit disputes with these companies asking them to investigate items on my credit report that are not mine. I sent in a report from federal trade commission with my personal statement. I also sent in a detailed letter referencing federal laws that the bureaus must abide by, based on their lack of responding in the time frame and their investigation results they have not abided by these laws.
Consumer complaint received 2022-03-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (NJ)

I had revoked authorization for Autopay with a Discover credit card representative with the credit card department back on XX/XX/2020. And on XX/XX/2020, they charged my account anyway, meaning without my permission, and {$1100.00} was debited from my bank account. I was not paying a lot of attention to my transactions with my bank account at the time, and somehow missed this transaction. About a year later I had to look at my bank statements about a year prior for something, and discovered this disturbing issue. So I immediately filed a dispute with my bank. Unfortunately, due to the timeframe, they were required to ask for a response from Discover before doing the chargeback. Of course, Discover responded, and showed documentation of my account being set to Autopay. In no way, shape or form did this mean I did not call and request to have my authorization revoked. The agent I spoke with confirmed it was taken off Since Discover responded, even though the response was irrelevant, my bank was unable to send the charge back to Discover because it was over 60 days old I urge Discover to review the phone call from XX/XX/2020, provide me and the CFPB with the conversation, and refund me back the full amount of the funds they debited from my account without my authorization back on XX/XX/2020. Or I will file a lawsuit against them and just get my money back that way. But, if they make me go through all that hassle just to get my money back, as if all this thus far wasnt enough, I will also be suing them for charging my account without my permission, which is illegal
Consumer complaint received 2020-06-30
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (MA)

I believe I am a victim of mortgage fraud or predatory lending. 

I bought a home 13 years ago for {$280000.00}. Thirteen years later I owe {$300000.00}. XXXX. 

In 2007, I purchased the house that I currently reside in for {$280000.00}. Due to a divorce, my home went into foreclosure for less than a year. With all of the fees and what I believe to be fraudulent and predatory banking practices, I currently owe {$300000.00}. Please note that I have been paying my mortgage on time for the past 12 years. 

How is this possible? How is this legal? The mortgage servicer at the time of the modification was XXXX XXXX. It has since been transferred to Select Portfolio Servicing ( SPS ) I am certain that I am but one of many families of XXXX who is in this very same situation feeling trapped in a system that they can not fight. 

Any assistance you can provide would be tremendously appreciated. 


XXXX XXXX XXXX XXXX XXXX XXXX MA. XXXX
Consumer complaint received 2022-03-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Accelerated Servicing Group LLC (TX)

This company called ASG XXXX XXXX XXXXXXXX XXXX ), keeps calling my cell phone for the wrong person. I don't know what the debt is about. It's clearly not mine. They are calling for a man. I am a woman. My cell phone number is registered in my name, not the man they are calling for. It's some sort of robocall. When you call them back to tell them, they have the wrong number, it's a recording and they want you to leave your personal data ( something I am not willing to give this company, I do not know ), as a message, then they say, will remove your data.
Consumer complaint received 2022-03-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Monterey Financial Services LLC (CA)

Monterey financial contacted me last year sometime in the fall of XXXX with a letter stating I had a collection account with a dentist. They stated if this is not true please write us within 30 days. First, I called the dentist and they had told me I dont owe anything and that I paid the balance directly to the dentist in full on XX/XX/XXXX. I had ask for a record from the dentist but they stated just have collection company contact them if there was an issue.I then wrote a letter to Monterey financial and let them know I didnt owe the debt. I never heard back from them.fast forward to XX/XX/XXXX I get a notification that my credit score dropped due to a collection on my account. I immediately called Monterey Financial and they stated they had received my letter last year but they were still waiting to hear back from dentist. ( No follow through on their part ). I asked how can we prove to you since emailing doesnt work. They said have dentist call us. What I did instead is called the dentists with the operator on the line and she said that wont work. I told her to stay on the line and listen for the answer she needed. Then she tells me and the dentist that she needs a statement sent to me so I can forward to Monterey financial. Ok great, so I got one. Didnt hear anything back from Monterey so I called. Spoke to XXXX and she had stated that statement wouldnt work either ( even though it clearly showed I paid it in full XX/XX/XXXX ). 
So I got ahold of the dentists again and copied Monterey financial on it so they can send the statement to them directly. Told them to take the collection off my credit file as it hurts me as a consumer and a business. Hadnt heard anything back from Monterey so I called them again. XXXX told me collection is as stands on credit report and this case was basically closed, then she told me to hold on. Gets back on the phone and tells me collection was closed on Monday the XXXX. Asked if she sent any thing to collections to take off my record. She said no. ( Keep in mind it is now Friday the XXXX ). I asked her to take it off my credit report ( she says it can take up to 30 days ) I also asked her for proof and send me the letter, XXXX also told me that can take up to 24 hours to get me a letter in an email. Fast forward to XX/XX/XXXX- it clearly has been more than XXXX hours, and still no letter from XXXX. At this point I seriously doubt she sent anything to Collection agency. I emailed my dentist again and threatened a lawsuit and Monterey financial and then I got a letter stating she sent to credit companies on the XXXX and letter was dated XX/XX/XXXX. 

This company has fraudulently put my account in collections. They bought out another collection agency and assumed all debt was valid when it wasnt. 

This company has very bad business tactics and has no follow through. 

If I were to mess with their lives like they have mine I am sure they wouldnt be too happy.
Consumer complaint received 2022-02-26
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: DISCOVER BANK (NY)

" XXXX '' card has been reporting to my credit report for XXXX and XXXX since 2019. 
First off, its fraudulent. Next issue is ive since many times reported this company directly, reported them to fraud, multiple disputes fraud alerts. Filed a police report with them through XXXX. They finally closed the account and left it in negative/derogatory status.Leaving me with many missed payments or late. Also still sending payments and reporting to my bureaus even after being closed because of being opened fraudulently and also closed as chargeoff instead of never being open.
Consumer complaint received 2022-01-14
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: ALLY FINANCIAL INC. (SC)

On XX/XX/XXXX I leased a new vehicle from a local dealership, the lease was assigned and the vehicle was sold to Ally Bank XXXX XXXX. 

On XX/XX/XXXX my dealership contacted Ally Bank XXXX XXXX for the buyout amount of the vehicle for a trade in. The amount they were given was {$7900.00} higher than the buyout stipulated in the contract. I called Ally Bank XXXX XXXX and was told the extra amount was due to " regulations and taxes ''. As that didn't answer the question I asked the finance manager at the dealership to contact the dealer services branch at Ally Bank and they were told that I am not allowed to trade in vehicles leased by them and if I did the dealer must pay rull retail value of the vehicle. None of this is stipulated in the contract that I signed. 

On XX/XX/XXXX, I contacted Ally Bank XXXX XXXX again and spoke with Supervisory Account XXXX XXXX who told me that Ally does not allow dealerships to buy out their leases. When I pressed him to show me where that is in the contract he was unwilling or unable too. I continued to press him for additional information as to why they were not allowing me to exercise the option plainly stated in their lease contract which he refused to do. In the contract, besides buying out the lease, there is a option to voluntarily end the lease and turn in the vehicle, when I asked for specifics of how that would work he refused to answer and told me to contact my dealer. When I told him that I tried that but Ally Bank was unwilling to work with them so I needed him to explain how it worked again which he refused. 

This is the XXXX vehicle I have leased in the past 10 years and this BY FAR is the worst I've ever experienced working with a leasing company before. I've never seen a company try so hard to not honor their own contract in their favor!
Consumer complaint received 2023-01-30
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

1. Bank of America would not release my CD to me. It matured XXXX. They told me it was because it was being held to secure the business credit card.

2. Bank of America promise they would use the CD to pay off the account, close the card account, and mail me a check.

3. Bank of America then : renewed my CD without my approval, did NOT pay any amount towards the credit card account, and have not sent me the balance.

4. Bank of America now sends me a letter telling me that they will continue to renew the CD until the credit card account is paid off.

In short, Bank of America is holding my {$1000.00} CD monies ( that already matured, and I should have authority to demand redemption of ) paying .03 % interest, while charging me 26 % interest on a {$810.00} balance that I could more than pay off with the CD proceeds.

THIS SHOULD BE ILLEGAL!
Consumer complaint received 2023-01-30
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Credit International Corporation (WA)

I received a notice of garnishment for a debt that is XXXX XXXX XXXX with no notification at all. The collection agency is Credit International Corp on behalf of XXXX XXXX and XXXX XXXX. I have never received any information from these people or this company. On the face of the writ it states its from XX/XX/2014
Consumer complaint received 2022-01-14
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. (FL)

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.
Consumer complaint received 2021-08-27
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: ENCORE CAPITAL GROUP INC. (FL)

In XX/XX/2021 I contacted midland credit about an account they sent me notification on. 
The notification said that if I pay the amount due according to this notification within three months of being contacted by them that this would not be reported to the credit bureaus. 
I paid in full as agreed trying to be compliant with the request and avoid the data being reported on. 
also on the Midland website it clearly states the following, but they are still reporting it to XXXX. 

**We do not report to credit reporting agencies for accounts that are more than two years old ( based on the date of delinquency ) and paid in full ( including accounts paid in full for less than the full balance ).

**We also dont start reporting on new accounts if your payments begin within three months after we send our initial letter and you continue making payments every month until the account is paid in full ( or paid in full for less than the full balance ).