davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (MO)

I discovered 3 accounts on my credit report that I DID NOT OPEN OR GIVE PERMISSON to open. Along with these fraudulent accounts inquires also are fraudulently on my credit report. 

ACCOUNTS NEEDED TO BE PERMENTLY REMOVED FROM MY CREDIT REPORT XXXXXXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX FRAUD XXXX XXXX XXXX Date opened XXXX XXXX, XXXX XXXX. XXXX XXXX  Date opened XX/XX/XXXX XXXX. XXXX XXXX Date opened XX/XX/XXXX INQUIRIES NEEDED TO BE PERMENTLY REMOVED FROM MY CREDIT REPORT XXXX. XXXX XXXX XXXX date XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX XXXX. XXXX XXXX XXXX date XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX
Consumer complaint received 2022-05-27
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (AZ)

PennyMac is unresponsive to the very program they strongly encouraged me to apply for through the AZ Dept. of Housing HAF program after my loan modification was complete and my monthly mortgage was paid for 6 months in advance. 
The AZDOH HAF program has been trying to get PennyMaXXXX to complete this Hardest Hit Funds program onboarding ( CDF ) paperwork since XX/XX/XXXX. This " CDF '' onboarding paperwork was again sent to PennyMac on XX/XX/XXXX. At the end of XXXX, I received a call from PennyMac informing me a ) they received the HAF paperwork and would be completing it, b ) my account was placed in a HHF status and would be protected from any adverse delinquency action while the process of the HAF application was in process c ) that I had been appointed a single point of contact to work on behalf of Hardest Hit Assistance and that I would only be able to communication with PennyMac regarding my account through this single POC while my acct was in an HHF status but d ) that any overdue payments would not report negatively on my credit report during this process just as they had not been when my acct was in COVID forbearance. They *promised* me my account would not be in any jeopardy. 
HAF told me they have NOT rcvd the CDF paperwork from PennyMac and have resent it to them for a third time last week ( XX/XX/XXXX ). My POC at PennyMac refuses to answer or return calls, I have never spoken to him, and now my XXXX report has been hit XXXX points bec PennyMac is reporting my acct as 60 days past due. I completed the application for HAF assistance on XXXX XXXX, XXXXwhen my mortgage was paid in advance through XX/XX/XXXX. I need PennyMac to honor their promise of ensuring my account ( that I worked very hard to get current and get a loan mod approved for ) is not reporting negatively and is not jeopardizing my mortgage and I need them to work with the AZDOH 's HAF program adjudicator A.S.A.P to get these Hardest Hit Funds approved as it has been *****6 months ago now*****that I applied for this assistance that I am CONFIRMED eligible for. HAF will pay the 2 months now overdue plus a future 3 months of mortgage payments once PennyMac does their part of completing the CDF onboarding paperwork. PennyMac is now attempting to send me certified mail. I am concerned this mess could put me once again at risk of foreclosure. I just resumed working again one month ago after losing my job of 17 years last year due to the pandemic. I am getting back on my feet but this issue is risking setting me back to square one.
Consumer complaint received 2022-05-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (WA)

For the third time today I have called chase and spoke to a person in there fraud department and they again have said they are setting the alert so I can go in and get my money. I even gave the guy the number so he could call the branch to let them know I am coming in to get the money. I asked for the name of the person at the branch he had spoke to and he refused to give me the name so again I went down to the branch to be told the same thing that no alert was sent and that I would be mailed a check. This is beyond me that chase can actually hold someones money like this cause there is no difference in me getting a check at the branch or one being mailed. I know this is against the law to hold my money like this and not give it to me when there is no problems everything has cleared and been verified there is nothing else I can do and them just closing my account and then keeping me from getting my money this is abuasrd and they need to just pay me like I am asking I really dont see the problem here.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

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 2022-07-11
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: Experian Information Solutions Inc. (LA)

Recently I checked my credit report and noticed multiple billing errors still being reported after disputing the inaccuracies with Experian of those late payments. On XX/XX/XXXX I submitted a dispute to Experian regarding these late payments on my student loan accounts and still have not heard nothing back from Experian nor was my consumer report marked for being in a CURRENT dispute. Aren't you supposed to ensure that everything is reporting accurately? As I know the creditor did not notify me 21 days beforehand with a statement so there should be no late payments on these accounts when I did not have a payment plan to begin with. I demand to see hard solid proof from the creditor bank account that I did not pay and was marked late on these accounts that was on an {$0.00} IDR deferred repayment plan because this is clearly a billing error. Experian is reporting that I paid 90 days late in XX/XX/XXXX without reporting late payments in the previous months that are marked OK clearly another billing error. How is this even true because I can't be 90 days late without first being 30 and 60 days late in the previous months. These accounts do not meet the FCRA requirements and I want my report immediately updated to paid as agreed/Never late and to please delete the inaccurate comments along with any late payment marks on my report for these accounts. 

The items below should all be updated to paid as agreed/Never late on my consumer report. Immediately delete any late payment marks and the inaccurate comments. 

# XXXX # XXXX # XXXX # XXXX # XXXX # XXXX
Consumer complaint received 2022-07-11
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: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act, XXXX XXXX Account # 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-05-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (FL)

I moved out XXXX of XXXX, in my move out statement I noticed several fraudulent charges. Ive been back and forth with my apartment complex who wouldnt own up to their negligence. I never received written notice from the debt collector. I spoke to them for the first time today XX/XX/XXXX after retrieving information from the apartment complex corporate office. I told them I wanted to dispute the charges to which the guy I was talking sympathized where I was coming from and said they would help me and after a few questions they said they would lower my bill from {$2100.00} to about {$1800.00} and make it all go away. I was charged for an unregistered pet who is an XXXX  dog. Has been a service animal since before I even moved in and I maintained her paperwork the entire time I lived there, I still have her paperwork and the office never once asked me for it. They charged me for a gate card which I have a picture of where I left it along with the keys in the kitchen drawers like the move out instructions stated but they didnt charge me for the keys but managed to charge me for the gate card. I was charged for a full repaint of the apartment and the only evidence they have was some wall sticker decorations the size of a basketball on my bedroom wall. The stickers are easily removable and do not chip the paint when you peel them off. The paint on the wall of the apartment was in perfect condition. They tried to say the mattress in the apartment was missing but in one of the pictures provided you can clearly see where I left the mattress next to the refrigerator in the apartment. I was charged for a shower head that was left under the sink when I replaced it with my own personal one with the extension cord. I was charged a pest control fee when there were bugs already in the apartment when I moved in and they had pest control coming to the apartment on a monthly basis while I was living there. There is {$830.00} worth of charges on my movement statement that I disputed and they were only willing to knock down {$300.00}.
Consumer complaint received 2022-05-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: M&T BANK CORPORATION (NY)

Someone wrote me a fraudulent check trying to scam me once I realized I contacted my bank theyve had my account locked for almost two weeks now with no update Ive received my regular deposit from my job and they wont give me access to that money
Consumer complaint received 2022-07-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

This unconfirmed accounts listed below continue to report on my credit report despite the previous written requests, in violation of federal law. I dated the previous letter I sent to the 3 Credit Bureaus XX/XX/2022, but I never received a reply. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be validated ( A ). I will take legal action against you if you do not guarantee these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$9900.00} ; XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-12-29
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I have been sending written correspondence to Experian, XXXX and XXXX since XXXX of this year to try and get some help with the inaccurate information about this XXXX XXXX account. 

Initially, in XXXX I spoke with customer service at XXXX XXXX about the inaccuracies found on my credit report about late payments. The customer service representative told me that there was nothing they could do and that I should dispute them inaccuracies with the credit bureaus. 

I proceeded to reach out to the EXPERIAN, XXXX AND XXXX for assistance. It has been a total fiasco. Neither bureau has provided any records to support the information that is being reported. 

Each round of written correspondence would result in small changes, but newly updated inaccurate information. For example, most recently they changed a late payment in XXXX to on-time and then made a XXXX payment late. 

I do not know if they think this is a joke or if there is just a problem with the system, but I am very frustrated and concerned that I will not be able to get the information corrected nor the supporting documents. I have been working really hard to clear up discrepancies and have a positive payment history for the past XXXX years with this account. 

There are also comments that say the car was repossessed. This was during XXXX, I fell behind on the payments. The car was towed from our driveway at about XXXXXXXX XXXX  and we paid and had the car back in our possession before lunchtime the very next day. 

I've asked XXXX XXXX and all XXXX Bureaus to possibly remove or amend the comments, but to no avail.
Consumer complaint received 2022-07-11
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 — Investigation took more than 30 days
Company: BMW Financial Services NA, LLC (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : BMW FIN SVC XXXXXXXX Date Opened : XX/XX/2021 Balance : {$0.00}.
Consumer complaint received 2022-05-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (NY)

I have been a chase customer since I was XXXX old. I am now XXXX. I recently started working for a new company. They pay every 3 weeks and mail a check. I finally received the check and used Chase Quick deposit to deposit a check of XXXX into the account. I immediately receive hold and no funds were released. The next day I call and my account could be closed for this deposit. I have been calling every day with no solution but to see what happens in 10 days. The issue they claim is there is no way to verify a XXXX XXXX check.
Consumer complaint received 2022-05-27
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. (OH)

XXXX XXXX XXXX XXXX is reporting an account of mine that was opened in XX/XX/XXXX as having late payments, and they're also reporting that this vehicle was included in a bankruptcy. 
This vehicle was totaled XX/XX/XXXX, XXXX and an insurance claim was paid out to them in full from my insurance company. 
They continued reporting negative information about this vehicle up until XX/XX/XXXX and then of which they stated that this vehicle was included in bankruptcy which is highly incorrect. This vehicle was paid entirely in full. 

I have emailed the CEO, XXXX XXXX, and my next step if I don't hear back from him with a resolution is filing a law suit against this company as they are defaming my character. I have a police report statement number : XXXX.
Consumer complaint received 2022-09-07
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: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

I have been getting repeated letters from BOA about getting a credit card that I didn't apply for. The latest was on XX/XX/2022, reference number XXXX. I have summitted a complaint and have asked the company repeatedly to fix the problem. They need to check an on line application to see if there is already an account at BOA with the SSN provided and then immediately text, email or call the user to see if they submitted a request BEFORE pulling a credit report that will affect that user 's credit rating. BOA seems unable to understand the problem and they should call me at XXXX to get it right. I have had to set up accounts with the credit bureaus and freeze credit reporting to keep this from happening.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

This is my XXXX  time writing this issue. I sent your company a claim last month XXXX XXXX,2024, and I was very clear about which accounts were fake. There are still accounts on my credit report that shouldn't be there.
Consumer complaint received 2022-09-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (FL)

In XXXX of XXXX I paid for XXXX XXXX for my cell phone use. That card had fraud and a new card was issued. A new card immediately had fraud and the money give to XXXX XXXX was taken from the cell phone carrier. I was with out a phone and needed one. I stopped using my old phone and got another phone and carrier in may I asked my card to refund me the money for XXXX XXXX which I paid the Citi card with a check. Citi said they paid XXXX XXXX and I called XXXX XXXX and they said they were not paid. Back on forth I called Citi and XXXX XXXX  asking for my refund. I called each XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, finally on XX/XX/XXXX I called XXXX XXXX they said the money will be sent to XXXX to an old card ending in XXXX. I told him it was cancelled he said don't worry they know it's your account. I called XXXX and a man at Citi named XXXX said don't worry we will issue you a new card in 5 to 7 days I would receive it in the mail but on XX/XX/XXXX there was no new card so I called Citi again three times that day one said my account was closed and gave me a number to call in there XXXX XXXX Department .... The automotive system has no number to push to help me so I called Citi again said I was going to fill a complaint and a man named XXXX said Citi was not issuing me a new card but closed my account and will refund me the money of {$270.00} and it will be sent in 7-10 days and reference number to that was XXXX XXXX XXXX 
Still no refund.
Consumer complaint received 2024-12-02
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CREDIT ACCEPTANCE CORPORATION (MD)

I am writing in response to the notice I received, dated XX/XX/2024, regarding my vehicle loan. This letter is a formal demand to immediately cease all repossession efforts and a request for debt verification under 15 U.S. Code 1692g. Additionally, I am notifying you of multiple violations of both federal and Maryland state law that render this contract unenforceable and demand that it be canceled.

Violations of Federal and State Law The notice provided to me is legally deficient and violates the following laws : XXXX. Failure to Properly Explain Default ( Violation of Maryland Commercial Law Article XXXX ( b ) and FDCPA 15 U.S. Code 1692e ( 10 ) ) : - The notice does not clearly explain the nature of the default, which misleads and confuses the borrower about their contractual obligations. 

XXXX. Failure to Provide Steps to Cure the Default ( Violation of Maryland Commercial Law Article XXXX ( c ) and FDCPA 15 U.S. Code 1692g ( a ) ( 1 ), 1692f ( 1 ) ) : - The notice fails to provide clear instructions on how to cure the default, including the total amount owed, a breakdown of the balance, and where payments should be sent. 

XXXX. Failure to Specify Repossession Conditions ( Violation of Maryland Commercial Law Article XXXX ( c ) and FDCPA 15 U.S. Code 1692e and 1692f ) : - The notice does not explicitly state that repossession will occur only if the default is not cured by the specified deadline. This omission misleads borrowers and creates unnecessary harm by leaving them unclear about how to avoid repossession. 

XXXX. Failure to Notify of Dispute and Validation Rights ( Violation of FDCPA 15 U.S. Code 1692g ( a ) ( 4 ) and 1692g ( a ) ( 5 ) ) : - The notice does not inform me of my right to dispute the debt or request validation, which is required by law. 

XXXX. Violation of 15 U.S.C. 1692d ( Harassment or Abuse ) : - The tone and threatening language of repossession, without full clarity about my rights, constitutes harassment and may cause unnecessary distress. This is prohibited under 15 U.S.C. 1692d, which forbids debt collectors from engaging in abusive conduct. 

XXXX. Violation of 15 U.S.C. 1692b ( 5 ) ( Communication with Third Parties ) : - If the correspondence included visible markings, such as logos or language revealing the nature of the debt collection, it constitutes an unlawful disclosure under 15 U.S.C. 1692b ( 5 ), which prohibits communication with third parties about the debt.

Request for Debt Verification Under 15 U.S. Code 1692g, I am requesting the following : - Validation of the alleged debt, including a detailed breakdown of the total amount owed, original creditor information, and any supporting documentation. 
- A halt to all collection and repossession activities until proper debt verification is provided.
Consumer complaint received 2022-05-27
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: NISSAN MOTOR ACCEPTANCE COMPANY LLC (MS)

In accordance with the Fair Credit Reporting Act Infiniti Financial SVCS acct # XXXX. has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.