davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: World Omni Financial Corp. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Notice and Demand for settlement of Unauthorized Inquiry on Consumer Report under 15 U.S.C. 1681n Dear [ XXXX XXXX XXXX ], I am writing to notify you of unauthorized inquiries made on my consumer credit Reporting Act [ FCRA ], specifically under 15 U.S.C. 1681n. The FCRA protects consumers from unauthorized access to their credit reports, and I have identified that you made an inquiry without my authorization or a permissible purpose under the law.

The unauthorized inquiry occurred as follows : .Inquiry by : [ XXXX XXXX XXXX XXXX .Date of Inquiry : [ XXXX XXXX, 2023 ] XXXXredit Reporting Agency : [ XXXX ] Under 15 U.S.C . 1681n, any person or entity that willfully obtains a consumer report without a permissible purpose is liable for statutory damages, actual damages, punitive damages, and attorney 's fees. I demand that you immediately take the following actions : XXXX. Remove the unauthorized inquiry from my consumer credit report with all credit reporting agencies where this inquiry appears. 
XXXX. Provide me with a written statement verifying that you had no permissible purpose or authorization for accessing my credit report. 
XXXX. Settle this matter by compensating me in the amount of [ Specify Amount ] to avoid further legal action.

I am providing you with a copy of my credit report, highlighting the unauthorized inquiry for your review. If I do not receive a satisfactory response within 30 days of receiving this letter, I will pursue legal action for damages as allowed under 15 U.S.C. 1681n, including actual damages, statutory damages of up to {$1000.00}, and punitive damages. 

Please consider this notice a formal demand for the immediate resolution of this matter. Failure to respond or provide proof of permissible purpose may result in a lawsuit being filed against your company. 

I look forward to your prompt response. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (NJ)

1. The company discriminated against me ; 2. The company refused to deposit my check in the amount of : {$33000.00} ; 3. The company decided to close my checking account without any reason and without any explanation ; 4. Wells Fargo Bank - accepted my check for {$33000.00} and refused to deposit it ; 5. The bank wasted my time and held my check for months and continues to hold my original check for the amount of : {$33000.00} ; 6. The bank decided to close my account because of my nationality, my accent, as well as my immigration status and my English language skills ; 7. The bank accepted my check and did not give me any information for several weeks in a row, holding my check for the full amount : {$33000.00} ; 8. The bank did not provide me with any initial amount, not even the minimum amount of money, despite accepting my original check with a large amount of money : {$33000.00}.
Consumer complaint received 2024-09-18
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (AK)

Signature student loan for XXXX  XXXX XXXX was distributed in XX/XX/XXXX for XXXX. Payment date started on XX/XX/XXXX at 16.250 %, This was then consolidated to a private loan on XX/XX/XXXX. 
Private consolidation loan was then distributed XX/XX/XXXX for {$34000.00}. Current interest rate is 6.00 % and remaining balance as of XX/XX/XXXX is {$18000.00}. Total accrued interest has been {$22000.00}. 
The company ( Navient ) misguided to private loan consolidation giving up all federal loan options and programs. XXXX owned by XXXX XXXX has since subsided and all federal loans for these schools have since been forgiven due serval concerns through the years. Upon applying for federal forgiveness of my original federal loans they indeed meet requirement and thus would have been forgiven. 
Upon servicing my private loan Navient misled and steered me toward forbearance and pausing student loans through the years due to financial difficulties and military service. These forbearances have thus caused additional interest and caused additional financial hardship. An income driven repayment plan or keeping my loans as federal backed loans would have resulted in additional resources available for repayment and consequently forgiveness of the loans in their entirety upon settlement of the XXXX XXXX settlement.
Consumer complaint received 2024-09-17
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (VI)

I have three loans serviced with Navient and never received a letter or email that there was a such thing as the School Misconduct Discharge application. All this time I was struggling to payback these loans and I was eligible to get my loans discharged. I found out about the application from a news article posted by an advocate group. I submitted my application on XX/XX/year> when I was about to pay off my loans. I attended XXXX University from XXXX and have been paying these loans ever since I graduated. I did get a response from navient that my loans were discharge for {$1500.00}. It would be nice to receive some of that money that I paid in to this loan due to the fact that I did attend XXXX and the lawsuits against them making me eligible for refunds paid to these loans and school totaling XXXX in loans plus accrued interest. To only be discharged {$1500.00} dollars is very unfair. Please consider that I have been working hard to pay back these loans.
Consumer complaint received 2024-09-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (FL)

I deposit a check on my business account, chase bank holding the check for more then 10 days before clear this is not the first time they doing this. I have a remodeling company how I m going to keep the business up running if they can not clear a stupid check? This is XXXX
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: American Credit Acceptance, LLC (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Notice and Demand for settlement of Unauthorized Inquiry on Consumer Report under 15 U.S.C. 1681n Dear [ XXXX XXXX XXXX ], I am writing to notify you of unauthorized inquiries made on my consumer credit Reporting Act [ FCRA ], specifically under 15 U.S.C. 1681n. The FCRA protects consumers from unauthorized access to their credit reports, and I have identified that you made an inquiry without my authorization or a permissible purpose under the law. 

The unauthorized inquiry occurred as follows : .Inquiry by : [ XXXX XXXXXXXX XXXX XXXX .Date of Inquiry : [ XXXX XXXXXXXX XXXX ] .Credit Reporting Agency XXXX XXXX XXXX ] Under 15 U.S.C . 1681n, any person or entity that willfully obtains a consumer report without a permissible purpose is liable for statutory damages, actual damages, punitive damages, and attorney 's fees. I demand that you immediately take the following actions : 1. Remove the unauthorized inquiry from my consumer credit report with all credit reporting agencies where this inquiry appears.

2. Provide me with a written statement verifying that you had no permissible purpose or authorization for accessing my credit report.

3. Settle this matter by compensating me in the amount of [ Specify Amount ] to avoid further legal action.

I am providing you with a copy of my credit report, highlighting the unauthorized inquiry for your review. If I do not receive a satisfactory response within 30 days of receiving this letter, I will pursue legal action for damages as allowed under 15 U.S.C. 1681n, including actual damages, statutory damages of up to {$1000.00}, and punitive damages.

Please consider this notice a formal demand for the immediate resolution of this matter. Failure to respond or provide proof of permissible purpose may result in a lawsuit being filed against your company. 

I look forward to your prompt response. 

Sincerely, XXXX XXXX
Consumer complaint received 2017-09-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Several inquiries on my credit report which I did not authorize and/or recognize. Please remove these unauthorized credit inquiries immediately. 

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.
Consumer complaint received 2024-09-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo bank just up and closed my checking and savings account as of XX/XX/XXXX with no recourse to object or respond. I had my S SA retirement funds direct deposited every mo since opening the account in XXXX. Never overdrew, Only used Debit card and paid bills to Wells and others. I used debit card mostly in XXXX with no issues because I have volunteered here for the past few years, living here full-time. I used their credit cards here also, never was behind, never had a late payment. 
Wells with their unfounded action has caused me problems with my SS payments. I have no other bank and most likely all my payments will be in arrears until I have made a new account and funds can be held up for XXXX XXXX months.. 
They have no useable E-mail account to file components ( as they are required to have ) and no one will give out info on the phone. 
They have given me no way to correct any issues they think they had with me and give me very notice.of their unfair actions.
Consumer complaint received 2024-09-18
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MS)

Please tell me how you did that. Who did you talk to at the original credit grantor? Did you write them? Was a XXXX form used or was this through electronic automatic dispute verification? Did you contact them at the same address/phone number listed on my report? The FCRA says that you have to tell me this in 15 days if I ask. XXXX provide the generic response of how you use various methods. Tell me exactly how you verified them and include the full name of the person you spoke with. 

Also, what is the date of the commencement of delinquency? The original creditor is required to give that to you. So when is that? And when will this trade-line be past the reporting timeframe? XXXX provide the generic XXXX response ; I am aware of that. Tell me specifically when these accounts allegedly became delinquent, and specifically when they will be removed. Some of these accounts are reporting as charged off as well as being including in bankruptcy. So, which is it? 

Portfolio Recovery Associates- Account # XXXX
Consumer complaint received 2024-09-18
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Nelson and Kennard (CA)

They have threatened myself by falsely stating there was a warrant out for my arrest. I had to come to the Sheriff office. I called the office and they said, its a scam and contact XXXX XXXX. 

They have contacted both my mother and father who are elderly saying that THEY would have to appear in court regarding this matter that they can't discuss pertaining to me.
Consumer complaint received 2024-09-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Fay Servicing, LLC (FL)

My home was foreclosed on as my husband was unwell and passed away and I could no longer pay the loan on one income.

I was supposed to have a weekend to complete removing my belongings but Iwas padlocked out that XXXX  XXXX.They had my water and electric turned off even tho I had arranged for them to stay on so I could clean up.Several of my XXXX  and one XXXX XXXX XXXX along with furniture, paintings and other belongings were left behind. 
I lost so many precious things and was treated terribly by Fay Servicing. I did not know who to contact and if it would do any good
Consumer complaint received 2024-09-17
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TOYOTA MOTOR CREDIT CORPORATION (AZ)

Hello. 

I was in a XXXX   accident on XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX 
My insurance, XXXX, XXXX XXXX XXXX  and sent payment to Toyota financial services to pay off the loan. 
This amount of {$31000.00} was sent on XX/XX/year>. 
Toyota FS claims to have received this payment on XX/XX/year> per phone calls I have had with them. 
My warranty was cancelled and refunded to the Toyota FS loan in the amount of {$2200.00}. This shows posted on XX/XX/year> per my Toyota FS statement. 
This amount ( XXXX ) was not deducted in the original payment ( XXXX ) and should be refunded to me. 
Remaining pay off shows {$29000.00} on my Toyota FS account It is now XX/XX/year> and my loan still shows active and PAST DUE on my account. I have called 10+ times and get the same response every time. Toyota FS claims that they received the check, but their processing center is behind and needs to manually input the check. Every agent Ive spoken to claims there is nothing that can be done to escalate this further and I will just need to keep checking my account until I see that the loan is paid off. 


I did receive a letter dated XX/XX/year> that stated I did not need to make payments on my account until the claim was settled. Yet, my balance shows past due.
Consumer complaint received 2024-09-18
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (PA)

I submitted a misconduct discharge application in XX/XX/year> to Navient private loans and it was denied. I am also supposed to be getting a new servicer and I don't know how this could impact my discharge application appeal. 

I am asking Navient for more specific reasons why it was denied but found out I could submit this in the meantime.
Consumer complaint received 2024-09-18
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: General Motors Financial Company, Inc. (FL)

Dear Consumer Financial Protection Bureau, I am writing to request a XXXX form from GM Financial XXXX I have recently discovered that GM Financial has reported a charged-off account on my credit report. 

As a consumer, I believe I am entitled to a copy of the XXXX form associated with this account. This form provides crucial information regarding the debt, including the amount forgiven and the tax implications. 

I have attempted to contact GM Financial directly to request this form, but I have been unable to resolve the issue. I would appreciate your intervention in this matter. 

Thank you for your time and attention to this request. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS (UNITED STATES MINOR OUTLYING ISLANDS)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : 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
Consumer complaint received 2017-09-04
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Santander Consumer USA Holdings Inc. (MD)

I obtained my vehicle loan XX/XX/16. my starting balance was {$17000.00}. my current balance is {$17000.00}. I 've gone past due multiple times and I 've received one extension on XX/XX/16.  However, since the start of my loan as of today I 've paid {$5000.00}. I 've spoken to a representative through the chat application online and she could n't explain why my balance did n't move.
Consumer complaint received 2024-09-18
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. (NJ)

XXXX Please refer to this dispute number, in which the company claims it was resolved the issue. But unlike what they said the issue is with CHASE BANK regarding that they had gave me misleading, wrong and false information. On my discussions regarding the charges on the above claim with Chase bank, XXXX of their employees over the phone stated That ( I ) Should leave the tickets unused, wait for the event to pass and then reach back to chase card service to submit a claim regarding the unused tickets I did follow their recommendation left the ticket unused and once i called back to submit the claim I was told that they weren't unable to process the claim, and that there was nothing they could do. Thanks to this I lost the money and the tickets. Then I reach back to chase to retrieve the recordings regarding my conversation with this individual, but I was unsuccessful I was told that they could not give them to me. Bottom line is that Chase Bank representative gave me wrong, misleading and false information and because of that I left with the bill, lost money and tickets remained un used, if they do not solve this issues, unlike their answers on the prior claim I will be obliged to pursue legal action. Instead of solving it on prior claim, they only reach out to the merchant instead which is not what im complaining about. I already had a conversation with the merchant as per their recommendation ( also ), but there was nothing they can do. Chase wrongly gave mi misleading information. I want this issue solve my money return and the recordings from my conversations with their representative. Between the dates XXXX.
Consumer complaint received 2016-10-31
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (FL)

I went down to the courthouse and spoke to the clerk personally. I verified with her and she agreed that the judgement listed on my credit report was not mine. I asked how was that possible since you report this information to the bureaus. She stated that they do not report any information to the credit bureaus. So how is that Equifax was able to gain access to my inaccessible information? 
According to the FCRA, the credit bureaus must verify personally with the creditor. The clerk of the court in this instance would be the creditor. I would love to know with whom you spoke to, their title and date you called. I think you should be able to provide this information forthwith as performing a verification is what you do. Since the information may have been obtained by other means and not directly with the court and as I am an intelligent man, I respectfully request that you remove the judgement from my file.I believe that if I were to take this matter to my attorney that he would concur with me and suggest a lawsuit against your company we would win without a hitch.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Atlanticus Services Corporation (TN)

To whom it may concern, I am submitting a complaint against Fortiva under 15 U.S.C. 1681i for failing to conduct a reasonable investigation of my dispute regarding inaccurate information on my credit report. Despite my efforts to provide documentation supporting my claim, Fortiva has not corrected the erroneous information, which has adversely affected my credit score and ability to secure credit. I request the CFPB 's assistance in resolving this matter and ensuring that my consumer rights are upheld. I contacted the company at the end of XXXX to notify them of a layoff that occurred at my employer ; therefore, I was laid off and called to exercise my credit protection plan that I paid into monthly. Today ( XX/XX/XXXX ) I called to ask why I am showing as delinquent and I was told that my account was closed in XXXX ; however, this information was never disclosed to me and my credit report is not showing closed, it is showing open/delinquent. I asked the account manager, XXXX to please reverse this delinquent as this should not be reflected and is an inaccuracy on my credit. She went back and forth with me in a very unpleasant, unprofessional manner. I am extremely dissatisfied with how my account was mismanaged, I paid for a service and did not receive it. I plan to seek litigation unless this item is completely deleted from my credit. I want a letter emailed to me within 3 business days : ( XXXX ) on company letterhead stating that this account is no longer in delinquency and the matter has been resolved. 

Thank you for your attention to this issue.
Consumer complaint received 2024-11-22
Product: Credit 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: ALLY FINANCIAL INC. (CA)

I was charged by XXXX on XX/XX/XXXX for a total of {$150.00}. Per their return policy, there were 3 items I did not like that I attempted to return, but after 3 attempts to reach customer service by their listed email with no response, I issued a dispute with Ally credit card around XX/XX/XXXX. 

XXXX has a if you are not happy with any of our products for any reason, well gladly accept your non on-sale items within 60 days.. listed on their website. My emails requesting to XXXX were within those 60 days. 

XX/XX/XXXX : I requested a XXXX and refund for 3 of the items to XXXX. ( no reply ) XX/XX/XXXX : I followed up on my XXXX request to XXXX. ( no reply ) XX/XX/XXXX : I followed up again to my XXXX request to XXXX ( no reply ) The merchant has not issued any credit despite my request. I expected a refund of {$130.00} for 3 of the 4 items I ordered. 

On XX/XX/XXXX, Ally credit card wrote me by mail that they will not honor their purchase protection agreement and said they would not refund my claim of {$150.00}, though I requested {$130.00} for the 3 times I wanted to return.