davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc. (IL)

XXXX sold my loans to aidvantage. I received an email stating that they would be going to aidvantage and nothing would change about my loans. Then when the company aidvantage received my loans they suddenly reported that I had missed payments with them and the only reason I found out is because my credit score dropped over 100 points. I am in forbearance and do not graduate until XX/XX/year>24. When I spoke to the first representative at aidvantage she told me that it doesnt matter if I am in forbearance that they are reporting that I am not paying the interest on my loans. I have never even prior to Covid was informed I was suppose to do so and have never paid interest on my loans nor has my credit score ever been affected. She would not help me further and told me every month it would decrease my credit score. I contacted XXXX XXXX University in XXXX, IA where I received my XXXX degree to make sure they reported everything correctly. They told me it showed I was in forbearance. I contacted the financial aid department at XXXX XXXX college in XXXX, IA which I currently attend and they told me everything was reported by all schools that I am enrolled full time and everything should be in forbearance and it should not be showing anything on my credit score as I do not owe anything at this time. I kept calling advantage and they told me they could make a note and they couldnt do anything else. I spoke to a few classmates who took out the same loans and are in forbearance none of them have ever had anything reported while in school on credit reports and have never paid interest. I contacted XXXX  and XXXX and disputed all loans. I have not received any information and my credit score still shows the 100 plus point loss from the report from aidvantage.
Consumer complaint received 2024-09-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CHARLES SCHWAB CORPORATION, THE (CA)

I called XXXX and complain about a {$99.00} charge. They did nothing so I called XXXX XXXX and filed a report. In the meantime XXXX credit the account. XXXX XXXX says they never got the credit. I have documentation of the XXXX credit and sent it to XXXX. They refused to help and said they were taking {$99.00} from my account.
Consumer complaint received 2024-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Im seeking your assistance with this incorrect account appearing on my credit report. I have raised this issue as it has hurt my reputation as a customer, and I need your help. These accounts need to be removed due to the negative and inaccurate reporting.
Consumer complaint received 2024-09-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Shellpoint Partners, LLC (CA)

why they are not waiving legal fee, late fee, inspection fee and interest charges, they are not replying, I already paid 9 months of payment XXXX days ago. 

Spoke with XXXX XXXX on XX/XX/2024 at XXXX XXXX, and she asked me to send a fax to XXXX on the fax number - XXXX and all of my fees will be waived, I did send the fax but the fee hasn't been waived. 

Why are you harassing me?
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SANTANDER HOLDINGS USA, INC. (NC)

Im trying to move into my home, Im fresh out of college & my credit score is poor due to these companies reporting. Case law ( 15USC1692c ) states. Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt And reporting to my consumer report is a form of communication. Thats breaking the law. 
XXXX XXXX ( acct XXXX ) address : XXXX XXXX XXXX, XXXX Tx XXXX XXXX XXXX XXXX ( Acct XXXX ) address : XXXX XXXX XXXX XXXX, XXXX MN, XXXX Santander Consumer USA ( Acct XXXX ) Address : XXXX XXXX XXXX XXXX TX, XXXX
Consumer complaint received 2024-09-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: SELECT PORTFOLIO SERVICING, INC. (TX)

Mortgage Loan # : XXXX SPS - Select Portfolio Servicing , Inc . 
XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX Customer Service : XXXX Dear CFPB XXXX, I have paid in full my mortgage loan on XX/XX/year>, and I have received the XXXX XXXXXXXX XXXX XXXX  Lien Release letter , but up to today I have called SPS multiple times nearly daily for my ESCROW refund check which should be {$5700.00} but everyone in SPS has been telling me " It's under review and there is no estimated time of release of this check. '' Please help me to contact this loan servicing company to issue my XXXX refund. 

Below is my contact information : Name : XXXX XXXX XXXX XXXX : XXXX Email : XXXX XXXX
Consumer complaint received 2024-09-20
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: Carvana Group, LLC (GA)

I applied online for a car loan and was approved. I fully completed everything on the application. I was able to find a car ( XXXX  ) of my choice and followed the next steps to purchase the vehicle. The next to the last question were to verify your Identity. It indicated that it would take XXXX minutes, as soon as I got to the question to answer them, the cursor begin to move itself and stall at the same time, it was like something was holding me back from answering the questions. I know from my job how things work, because I work XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, it allows them to take over. Clearly something had control over the process and from their side, it appeared that I was unable to verify my identity twice. So they are not allowing me to do it over, and it states that I will need to apply again in 6 months. This is a scam, they denied me because they can't prove that it's me? ( Unbelievable ) This is not fair at all. I purchased a car from this exact same company in XXXX, and it was successful. I am not understanding why this is happening.
Consumer complaint received 2024-09-23
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC. (KS)

Received a letter in the mail, XXXX. On the letter I received, an Affidavit for Renewal of Judgment, there is no date. 
As I understand this letter is about an unknown debt for {$720.00}. Owed to Midland Funding. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Attorney for Plaintiff I am unaware of this information and am on XX/XX/XXXXand am not employed for garnishment.
Consumer complaint received 2024-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

As per XXXX XXXX XXXX TransUnion and XXXX is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640. Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting a cancellation of these records. Cc Consumer Financial Protection Bureau. Cc Attorneys General Office. Cc XXXX XXXX XXXX. Cc State Senate. Cc Federal Deposit Insurance Corporation. Cc Comptroller of the Currency. Cc Federal Reserve System. Cc Credit and Insurance. Cc Federal Trade Commission. Cc State Regulatory Agency.
Consumer complaint received 2024-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (RI)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2024-09-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (OK)

I have several transactions from XXXX on my account I got a police report. Showed proof of location. Also contacted merchants who told me to charge back & send pics of the convo with chime. Also 3 way called merchants with chime to let them hear the convo. Also some said we dont even have a website so theres no way we could have charged you. Shared all this proof & im still getting denied. With no answers. Iv had several supervisors favor my case & ask to get my $ sooner cause how strong my case is & im still getting denied & Iv showed other accounts that got hit also! & won every transaction
Consumer complaint received 2024-09-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TOYOTA MOTOR CREDIT CORPORATION (VA)

I cancelled all of my extra warranties and service plans with Toyota Financial. It has been over 30 days since I cancelled all of them. I have called numerous times and sent numerous online messages. Toyota Financial has not applied a single refund on any of the warranties or service agreements. Toyota Financial owes me ofer {$4000.00} total for all of the warranties and service agreements. I cancelled Tire and Wheel Protection, GAP insurance, Service Agreement and prepaid maintenance plan. As of today, not a single refund has been applied to the balance of the loan. When I call I just get told it's a process and to wait. When I send a message they say someone already answered the call. No resolution at all and they won't refund any of the money to the loan balance. I recently read about a lawsuit with Toyota Financial for them doing the same exact thing, and they clearly are still committing these offenses!
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: RentDebt Automated Collections, LLC (TX)

Pursuant to 18 usc 8, I owe no debt, this company is violating my consumer right to privacy pursuant to 15 usc 1681 b 2 company has also No permission to report anything using my info pursuant to 15 usc 1681 4
Consumer complaint received 2024-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am formally disputing the inclusion of an account on my personal credit report, as it violates consumer protection laws. 

This is a business account, not personally guaranteed by me, and should not appear on my personal credit report under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. Only account for which a consumer is personally liable should be reported. Listing this account as a personal obligation is both inaccurate and unlawful under the FCRA and other consumer protection laws. 
XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ND)

I recently received my TransUnion report and notice fraudulent inquires from Ally Financial and XXXX XXXX XXXX XXXX. Ive never given them consent to pull my credit report. Please remove these fraudulent hard inquires off my TransUnion credit report
Consumer complaint received 2024-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I took a personal loan of {$500.00} online from XXXX  XXXX XXXX. I hVe been XXXX  XXXX XXXX costumer since XXXX. And that {$500.00} loan i paid off in XXXX. But in my credit report it still says balance due. And that is a wrong information. Why would such a big bank do such negligence. Balance was paid of XXXX  years ago but still shows past due. The account was paid and closed in XXXX. This wrong report is hurting my credit.
Consumer complaint received 2024-09-16
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (RI)

I have filed a claim with the business on XX/XX/year> for back interest charged to me on my credit card account after a promotional period expired and not getting electronic email statements. 

I asked for the claim number but the agent would not provide it and told me I did not need it. I was advised because I signed up for electronic statements, there was nothing they could do about the interest charged even when I explained I did not get notice every month via email. 

The company said their system shows they did send an electronic email notice every month. I sent a secure email with the screen shot of proof that the statements i received this year were not monthly. I received a statement XX/XX/year>, XX/XX/year> and then XX/XX/year> and XX/XX/year>. Had i got a notification monthly I would have been able to check my bill and been reminded of my promotional balance expiring in XXXX so I can pay the rest in full. 

However, It seems this is an unfair practice and malicious intent on the banks side as I was basically forced to sign up for XXXX statements. If not, I would have incurred a monthly charge for paper mail. It seems like a intended way to get customers into signing up for e-statements so they do not check their account as often and fall victim to these situations of being charged more. 

I also explained to the business I was not getting monthly electronic notice from them via email. I received noticed in XXXX for my XXXX payment but prior to that the last notice re guarding my account was in XXXX. Had I received my monthly statement electronically via email I would have checked my account and noticed and paid my promotional balance prior to being charged back interest. 

This company seems to be making unfair practices to get you to sign up for XXXX statements to make more money and pray on customers and use it against you. They say their system shows my statements were delivered electronically to my email but I have proof I am willing to provide that I did not get them. I would like my bill adjusted and I would happily pay my balance owed without the extra interest as I was trying to do.
Consumer complaint received 2024-10-19
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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-23
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: LEXISNEXIS (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to formally dispute certain credit inquiries listed on my credit report. Upon reviewing my credit report, I noticed that there are several inquiries that were made without my authorization, and I believe they are in violation of the Fair Credit Reporting Act ( FCRA ) and Fair and Accurate Credit Transactions Act ( FACTA ). 

The unauthorized inquiries I am disputing are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have not provided consent for these inquiries, nor have I applied for credit with these creditors. Under the FCRA, only creditors who have a permissible purpose ( such as an application for credit or a background check for employment ) are authorized to pull my credit report. 

As you are required to maintain accurate information on my credit report, I request that these unauthorized inquiries be removed immediately. 

In addition, I would appreciate a written confirmation that you have investigated this matter and that the inaccurate entries have been corrected or removed. Please provide me with a copy of the updated credit report reflecting the corrections. 

Under the Fair Credit Reporting Act ( FCRA ), I understand that you have 30 days to investigate and respond to my dispute. If you are unable to verify that the inquiries were authorized, I request that they be permanently removed from my credit report. 

Thank you for your prompt attention to this matter. Please let me know if you need any additional information from me to complete your investigation.
Consumer complaint received 2024-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall -- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-20
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (NV)

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. 

JPMCB CARD SERVICES XXXX, JPMCB - CARD SERVICE XXXX