davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I AM RESPONDING TO THE COMPLAIN NUMBER CFPB # XXXX THAT YOU CLOSED ON XX/XX/XXXX WITHOUT ANY INVESTIGATIONS. THIS IS NOT A DUPLICATE COMPLAINT AND ITS SEND BY ME XXXX XXXX XXXX AND AUTHORIZED BY ME XXXX XXXX XXXX XXXXDONT IGNORE THIS COMPLAIN, BUT INVESTIGATE, AND TAKE ACTIONS***** I HAVE ATTACHED THE FOLLOWING INFORMATION AND DOCUMENTS YOU REQUESTED. I ATTACHED THE DRIVING LICENSE AND ONE COPY OF THE UTILITY BILLS, ALONG WITH OTHER DOCUMENTS. 

NAME : XXXX XXXX XXXX DOB : XX/XX/XXXX SSN : XXXX ADDRESS : XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, CA XXXX I notice inaccurate information reported by Experian regarding a Charge Off account Discovery FIN SVCS LLC # XXXX. This account was charged off in XXXX. Experian violated federal law, by not properly investigating and reporting inaccurate information on my credit report. These are the Violations of the Fair Credit Reporting Act. 1. Delete this account, because it shows Balance {$8700.00}. A Charge Off/Close Account must show {$0.00} balance. 2. Delete this account, because it shows a Past Due Amount {$8700.00} and a Charge Off/Close Account must show {$0.00} Past Due. 3. Delete this account, because it shows a Credit Limit {$7500.00} and a Charge Off/Close Account must show {$0.00}. 4. Delete this account, because it shows Payment History reported 45 charge-offs, 30 Days Late XX/XX/XXXX ; 60 Days Late XX/XX/XXXX ; 90 Days Late XX/XX/XXXX ; 120 Days Late XX/XX/XXXX ; and consecutively as NEGATIVE in XXXX ; in XXXX ; in XXXX ; XXXX XXXX ; A Charge Off/Close Account must show NO Payment history or consecutively as N - Negative reported on my credit report. Please delete this account, and send me a new report. I need to apply for a mortgage in 2 months and this is an urgent matter. I have attached my Experian Credit Report and circled the violations, Experian violated in red color. Experian must now remove the item for reporting inaccurate information on my credit report. Any other action ( or inaction ) on your behalf may result in a small claims action against your company. I would be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act
Consumer complaint received 2022-07-18
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. (VA)

In accordance with the fair Credit Reporting act XXXXt Account, XXXX XXXX Bank account number ending in # XXXX, XXXX XXXX account number starting XXXX and XXXX XXXX XXXX account number starting with ending in # XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. State 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 an account without my written instruction.

15 U.S. Code Section 1666b. a creator may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.
Consumer complaint received 2024-10-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ALLSTATE LENDING GROUP, INC (MT)

XX/XX/year> I paid for my insurance coverage for the next billing cycle ( {$230.00} ) ending XX/XX/year>. 
I cancelled my service with them XX/XX/XXXX, XXXXbefore my next billing cycle on XX/XX/year> Received a collection notice several months later for {$110.00}. 
Submitted dispute with copy of cancellation letter, proof of new coverage starting XX/XX/XXXX, and of my payment going through for the final billing cycle. 
Collection agency on behalf of Allstate says it was rejected due to adjustments, but unable to clarify what these were and that I would need to discuss with Allstate.

Contacted Allstate several times who say I must deal with the collection agency. 
After several back and forth attempts Allstate customer service says they will do a billing history breakdown and history request, and that they have no way of possibly connecting me to the billing department. 
Multiple times they send me an email saying they have looked in to my request, but are unable to reach me over the phone, without any call attempt, and that I must contact customer service again. 
Repeatedly telling me via chat and over phone they can not provide any information on my account due to it being terminated. 
Customer service again says they can not connect me with billing department but must submit another request. 
They say to retry reaching them through chat, phone, and email which as you can see above cant not/will not help. They mentioned reaching out via email, but the email says it is unmonitored and to reach them through chat/phone. 
In the end they are not providing me any breakdown/proof of a debt owned after countless attempts to do so. 
Would like for them to provide this proof or remove my debt from my credit report on the three major credit reporting agencies
Consumer complaint received 2022-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

I have disputed the XXXX  credit card account that Experian is reporting 2-3 times. Each time, Experian XXXX XXXX allows XXXX XXXXo report inaccurate information, changing the information reported each time. For example, upon updating the credit line was the investigation was completed ; it now reports my XXXX payment is 30 days -the XXXX payment is NOT DUE until XX/XX/XXXX. 
Furthermore, Experian XXXX XXXX continues to allow the account to report that the XXXX payment was 90 days late when- a partial payment was made on XX/XX/XXXX and another on XX/XX/XXXX ; so a payment due on XX/XX/XXXX was not 90 days late.
Consumer complaint received 2022-07-18
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sa-Vit Enterprises, Inc. (NJ)

According to XXXX XXXX XXXX XXXX  {$530.00} for a XXXX  test back in XXXX that I was forced to pay in cash because they did not except card or insurance cards at the time for XXXX. As of XXXX XXXX I apparently owe a debt of that amount to them and believe the act is fraudulent.
Consumer complaint received 2024-10-24
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: MOHELA (IN)

I have received 6 phone calls from XXXX in the last 4 days. 2 calls on Monday, XXXX at XXXX XXXX and XXXX at XXXXXXXX XXXX. Tuesday was at XXXX XXXX, the other was at XXXXXXXX XXXX. I answered the one and they said that I am late on a payment. That is it. I am just LATE on ONE payment. It has not even been a month since the payment was due. I didn't get any calls on Wednesday. I received XXXX call today at XXXX and another XXXX at XXXX. 

This is harassment. Over ONE LATE payment.
Consumer complaint received 2023-01-31
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. (NV)

My personal information was stolen in XXXX, since then Ive been seeing unauthorized accounts. In accordance with the Fair CreditReporting Act CXXXX  Account # XXXX XXXX XXXX has violated my consumer rights by reporting fraudulent information across my XXXX, XXXX and Equifax consumer credit bureaus. I would like the following fraudulent account removed from my credit report immediately. 

XXXX XXXX XXXX XX/XX/XXXX 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 an account without my handwritten instructions.
Consumer complaint received 2020-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc. (OH)

I had a self lender loan and after deciding it was not the right decision for me, I canceled the loan. You pay the fees upfront so they allow you to cancel it. In XXXX of XXXX I reapplied and on XX/XX/XXXX I received an email stating that my loan has not been approved. My credit report shows that my last payment was made on XXXX XXXX XXXX and that the loan was paid in full but it was 30, 60, 90 days late. Ive contacted Self Inc multiple times because that loan wasn't approved and that's why no payment was made. They refuse to change the information on either loan. Oh the first one us also reported late even though I reached out and canceled that loan because it was 3 days late. They responded to my email to them 3 days after I canceled the loan. Late payments are a big deal ive even asked if I start another and pay everything on time will they remove these late payments. They said no but suggested that I start a new loan to maybe balance out the late payments.
Consumer complaint received 2020-10-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Santander Consumer USA Holdings Inc. (AZ)

I originally had a car loan with Gateway Lending XXXX XXXX XXXX  XXXX which closed down in XX/XX/2020 for their shady practices and sold to Santander. Well I had Santander prior, and they are not much better. I had my XXXX XXXX for 6 years and it was a very bad loan. My original cost for the car was {$23000.00}. I still owe $ XXXX and they have repossessed the vehicle. I did not really believe I owed Santander since Gateway posted a balance of {$0.00} on my account and credit in XX/XX/2020. Since they repossessed my vehicle two weeks ago, I have tried to call them to get it back by payment of the past due and fees and either they hang up, tell me I can get it and then the finale was the last yelling guy saying I could not get it back and demanded $ XXXX in two weeks. They are horrible people like Gateway and I can only imagine what others are going thru especially during these times. I want Santander to stop their harassment and horrible tactics to humiliate and degrade consumers. They ( Santander ) do not understand what us consumers have dealt with Gateway Lending prior. They will arbitrable state you were late and put fees on your account even when you were not ( gateway did this ). Many other consumers have echoed these complaints with them. It was hard to take a stand with them because they would just ruin your credit. I tried to inform Santander of these practices and also alert them of the lost of income which occurred this year. They did not care, they just took the vehicle and based my incorrect history with Gateway as leverage to deny me to get my vehicle back. They should know better with all of the class action lawsuits against them and the company they purchased Gateway. I never had a chance with the horrible loan I received and the horrible people I had to endure to try and get my car back. I needed to pay {$3700.00} by XX/XX/2020 and they will not allow me to get my car back! Instead they want a single mother like myself to go into debt with a vehicle that I will not own because they are the company and we are the little consumer. Shame on you Santander! I will let everyone hear the recordings of how your employees spoke to me during this time, during a pandemic and how you denied me the basic human decency to get my car back with a bad loan and bad companies like yourself.
Consumer complaint received 2020-10-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (UT)

I have tried to make payments to PHH online. I set up autopay online. They have failed to withdraw the money from my bank account. I have been fighting with them to take my money since my mortgage was sold to them and now they are sending me late payment notices and returned item charges. PHH is incompetent.
Consumer complaint received 2024-10-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

Dear CFPB, I am writing to formally lodge a complaint against Capital One regarding their handling of several disputes on my account, totaling {$9000.00}. I am deeply troubled by the lack of investigation and apparent malpractices surrounding this issue, which has left me in a precarious financial situation. 

Capital One has closed these disputes without conducting a proper investigation, violating Regulation E. According to this regulation, consumers are eligible to use their temporary credit during the dispute process. Instead, Capital One has placed a hold on my account, denying me access to my funds. This has caused significant hardship, as these funds are essential for my family 's mortgage and bills over the coming months. 

Additionally, I have an email from XXXX, which confirms that they processed my refunds to Capital One which is the {$9000.00} in disputes I am talking about. It appears that Capital One is effectively withholding these funds, amounting to theft, by failing to credit my account properly. Their vague communication and lack of accountability in resolving this matter are unacceptable. 

If these cases are not reopened and treated fairly, I will be forced to take legal action to protect my interests. I am prepared to pursue this matter to the fullest extent necessary to ensure that my rights are upheld and that Capital One is held accountable for their actions. 

I urge the CFPB to investigate this matter and assist me in addressing these disputes. It is critical that Capital One is reminded of their responsibilities to their customers and the importance of fair treatment in financial matters. 

Thank you for your attention to this urgent issue. I look forward to your prompt response.
Consumer complaint received 2023-01-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I called customer service to have an item purchased by mistake on my Bank of America credit card cancelled, and they took the liberty of stopping my credit card without my permission. I had spent my own money to customize my credit card and now I can't use it because of their self-righteous decision. I am trying to claim the cost of the XXXX XXXX  XXXX card, but the XXXX direct team is forcing me to call them anyway with the excuse that they need my account number information, when all I need to do is send them a check. ( Of course I have not been reimbursed. ) This attitude by Bank of America has been going on for years and I would like to file a class action lawsuit because I am sure there are others out there who have suffered the same thing.Please instruct them to change their coercive and bureaucratic attitude toward their customers and promptly refund the amount of damage I have suffered, {$160.00}. Thank you in advance.
Consumer complaint received 2024-10-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (FL)

Subject : Complaint Regarding Failure to Honor Pay-for-Deletion Agreement and Removal of Dispute Remarks To Whom It May Concern, I am writing to file a formal complaint against Credit Collection Services, located at XXXX XXXX XXXX, XXXX XXXX MA XXXX XXXX for failing to honor a verbal agreement to delete two paid collections from my credit report and for keeping dispute remarks on one of the accounts, which is affecting my ability to secure a mortgage. 

Background : I agreed to settle XXXX accounts : Account # XXXX, originally by XXXX XXXX XXXX XXXX, Account # XXXX, also originally by XXXX XXXX XXXX XXXX. 
Before making the payments, a verbal agreement was made that upon settlement of the debt, both accounts would be deleted from my credit report. Based on this agreement, I proceeded with the payments. The only reason I paid was to improve my credit, despite not fully recognizing the debts. However, more than 6 months have passed, and these accounts remain on my credit report, contrary to the agreed-upon terms. 

Dispute Remarks and Their Impact : When applying for a mortgage, the bank informed me that there were dispute comments on one of these accounts, specifically Account # XXXX, and these remarks were hindering my mortgage application. On XX/XX/year>, I sent a dispute letter requesting the removal of these remarks and that the account be cleared entirely. However, the dispute remarks are still present on my report, which violates my rights under 15 U.S. Code 1692e False or Misleading Representations. 

Second Dispute Failure to Investigate : On XX/XX/year>, I sent a dispute letter concerning Account # XXXX, requesting reinvestigation due to discrepancies in the balance being reported. Despite this request, no investigation or correction has been made. This failure to investigate violates the Fair Credit Reporting Act ( FCRA ). 

Impact : These inaccuracies have severely impacted my credit, preventing me from obtaining a mortgage. The continued reporting of these paid debts, coupled with the presence of dispute remarks, is misleading and unlawful. 

If this issue is not resolved promptly, I will file a lawsuit to seek legal redress for the damages caused, as this violates my rights under the Fair Credit Reporting Act ( FCRA ). 
Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'm worrieda about my credit report, I tried to fix it with the bureaus, but they did nothing. I want my problem resolve urgently. I sent 5 letters to XXXX, Transunion and XXXX.
Consumer complaint received 2022-07-18
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. (IL)

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. 

XXXX XXXX XXXX Account # XXXX, XXXX, XXXX, XXXX, has violated my rights. 
XXXX XXXX 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 : States a consumer reporting agency can not furnish an 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.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TOYOTA MOTOR CREDIT CORPORATION (NC)

Still after 2 years of my Wife and I identity theft, nothing have being delete and remove. over {$100000.00} dollars in personal damage. I have requested in multiples request to you the consumer financial protection bureau to please tell the credit bureau to delete and remove the accounts with the amount of {$55000.00} From Toyota Financial the {$42000.00} from XXXX  XXXX XXXX and the XXXX XXXX of {$5900.00} that shows on personal credit profile. all does account are fraud base on the data breach from XXXX and XXXX from the XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. you have got to this document and police report since XXXX.
Consumer complaint received 2024-10-23
Product: Credit reporting 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 (NJ)

I leased a car for my father. And the payments were automatic from his bank card. 
During the process I went to work XXXX  my fathers bank card on XX/XX/year>. A payment was late b/c he thought I was paying for it that month so he didnt pay we had a misunderstanding of communication. 

the payment was then payed abut the company refused to have it corrected on my credit report. 

I tried everything to get them to take it off or correct it. 

since that hick up I have payed everything on time. XXXX XXXX XXXX XXXX XXXX XXXX. Also refuse to help me after a year.
Consumer complaint received 2024-10-24
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (NY)

I borrowed {$29000.00} from XXXX ( formerly XXXX XXXX, now Mohela ) in XXXX to attend the XXXX XXXXXXXX XXXX after being misled by representatives of the school about the program I would attend, and about the career prospects I would obtain following completion of the program. After completion of the program in XXXX, I faced the reality that my degree was worthless and that I had been duped into borrowing a loan that would prove to cause me irrevocable harm throughout my life. I have suffered major professional and financial losses as a result of this loan, dealt with an inability to find stable employment and housing due to the credit impacts of keeping up with the loan and XXXX 's unwillingness to negotiate monthly payments, have had ongoing tensions with family members who are constantly harassed by the company and had their financial lives threatened as a result of co-signing the loan, and I have had a range of health issues as a result of the constant financial pressures of this loan. 

Despite all this, to date I have made payments amounting to {$58000.00}, which is nearly double the principle I originally borrowed. Nevertheless, the balance currently sits at {$77000.00} due to unchecked interest rates, with no end to repayment in sight. My expected monthly payments are more than a quarter of my monthly income, which XXXX refuses to negotiate, and this loan continues to wreak havoc on my life XXXX years later. 

In XX/XX/XXXX, I submitted a Student Loan Discharge application through XXXX and provided more than sufficient documentation of these harms, along with advocacy support from the XXXX XXXX XXXXXXXX XXXX XXXX  in XXXX. XXXX responded by denying this application and has refused to provide any explanation for this decision when I requested that they do so.