davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-03
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I have been calling Capital One Auto from the time I got sick until now trying to make an arrangement to modify or put my loan on a moratorium and haven't been able to get assistance. I would call in they ask me 2 or 3 questions than ask if I have a payment to send in and they can set me up on a 90 program. I always tell them that I can't afford to make a payment in a half. Since I purchased the car I have had to sale my home and move with my daughter because of medical reasons. I now live in XXXX, TX and the cost of living, food, gas etc is much higher. 
I had a representative XXXX XXXX to call in to speak with Capital One Auto on XX/XX/24 spoke with a representative who told her they couldn't discuss the account that I need to call in. I called in spoke with a representation he asked me 3 or 4 questions then said he can set me up on a payment down then 90 day program again. There is another person that just got a modification and her situation is worse than my situation. 
My XXXX told me that she called in ask for the modification department and was transferred to a XXXX in the Recovery Skip dept. She told me that lady was very rude and spoke to her as if she owed the car loan she said she finally ask her to connect her to someone in the CEO 's office she refused said she wouldn't XXXX XXXX XXXX asked for her supervisor she put her on hold for 10 minutes a young lady named XXXX Supervisor with Vehicle Remarketing Dept came to the line XXXX XXXX asked if she was in the modification dept she said no but that I could only make a payment and be set up on 90 day program. XXXX XXXX asked to be escalated to Office of the President she was put on hold then transferred to XXXX with the office of the President at XXXX opt XXXX XXXX XXXX asked why XXXX XXXX was getting such a hard time getting assistance and when she called in she was transferred to 3 different depts and the representatives were so rude she said they were talking to XXXX XXXX as if she was me. XXXX XXXX also stated that she told XXXX that she has had several clients that have gotten modifications that where in worse shape then XXXX XXXX. She said one client was pass 300 days behind and car note was about the same and that person had gotten a modification before and she was able to get her modified in 20 minutes but you are giving me a hard time when all I want is to keep my car and modify my loan. Well XXXX XXXX also told me she asked it they would put the repossession on hold until someone calls back in 3 days XXXX said they wouldn't allow because nothing that is happening is their fault. How could software determine whether or not I can get assistance by asking me 3 or 4 questions and none of them have anything to do with my hardship, how much I am spending out and the reason for my hardship.
Consumer complaint received 2023-09-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NRA Group, LLC (FL)

My information was used incorrectly to open credit cards/pay debt. I reported indentity theft to my police department but nothing got resolved as far as getting thing removed from my report. There is a total of 5 accounts that are fruadulent.
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Accounts 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
Consumer complaint received 2023-09-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PENNYMAC LOAN SERVICES, LLC. (VA)

PennyMac is refusing to make payment on our homeowners policy. I sent them the XXXX XXXX documentation showing we had a policy and they were supposed to make payment. They keep writing to us saying no payment has been made yet they are the ones who are supposed to pay it! We finally paid it in full ourselves to avoid a problem but PennyMac is still sending us notices that we dont have coverage HELP!!! 

This is an email we sent them on XX/XX/XXXX : TO : XXXX Hello. It was our understanding that the lender pays the insurance company and included in our monthly mortgage payment. 

Since PennyMac for some reason does not pay the homeowners insurance police and instead requires the mortgagee to pay up front, we did. See screenshot below. 

Please update our monthly payment to delete the portion that covers the insurance since we have paid it directly ourselves.
Consumer complaint received 2024-01-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (TX)

I am filing an official complaint against the following business : Credit Collection Services ( CCS ), XXXX XXXX XXXX, XXXX XXXX  ( XXXX XXXX XXXX  ) The reason for the complaint is : continued attempts to collect an alleged debt, and reported this alleged debt to credit bureaus, while having failed to honor my written request for validation of said debt. Most notably, they have failed to produce any documentation that I owed this debt at any point, such as a contract signed by me for a service previously rendered for a specified period. For the record, I assert that this claim of debt is entirely fraudulent, as such a document with my legitimate signature on it does not exist. I have attached the following pages for your review : on which I indicated my wish to dispute the debt. This was mailed back to XXXX and XXXX via certified mail in the same envelope as my debt verification request letter on XXXX. -Copy of the debt verification letter I mailed to XXXX  and XXXX  via certified mail on XXXX -Copy of certified mail return receipt, proving that XXXX and XXXX received my debt verification letter on XXXX
Consumer complaint received 2023-09-10
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. (MO)

In accordance with the fair credit Reporting act XXXX  Account # XXXX, has violated my rights.

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

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under ar open end consumer credit plan as late for XXXX purpose.
Consumer complaint received 2024-09-05
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. (TX)

I am reaching out to dispute the incorrect information currently reflected on my credit report from your bureau. There are discrepancies in the data reported for specific accounts, which require immediate correction under the Fair Credit Reporting Act ( FCRA ). 

Attached are letters that thoroughly outline the issues with the accounts in question, including supporting documentation. The errors involve incorrect dates, account statuses, and other details that do not accurately represent my financial history. These inaccuracies are unjustly impacting my credit score and overall financial standing. 

I kindly request that you conduct a thorough investigation into the accounts referenced in the attached documentation, rectify the mistakes, and remove the inaccurate data from my credit file. Additionally, I expect the corrected information to be updated in compliance with FCRA requirements, and a confirmation sent to me once the corrections have been completed. 

If any further information is needed to facilitate this process, please inform me at your earliest convenience. I appreciate your prompt attention to this matter and anticipate a timely resolution.
Consumer complaint received 2024-01-03
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (CA)

Confirmed the attached non-solicited email Explorer Credit Card from Chase was legitimate with Chase Customer Service. Completed the VISA credit card application and received the new Credit Card. I satisfied all of the offer requirements and expected to receive XXXX bonus XXXX XXXX miles for my XXXX XXXX ID. I have only received XXXX. I called Chase CardMember Services in XXXX, XXXX to verify that I have successfully completed all requirements for the XXXX miles. The service representative confirmed that I had and escalated the incident ticket to get the additional XXXX miles. 

I receive by mail notification from Chase Cardmember services on XX/XX/XXXX, dated XX/XX/XXXX that I am not eligible for XXXX miles with " Promotional offers are only available for select credit cards and aren't transferable between accounts. '' This is an inaccurate statement. As the attached email offer shows, the account targeted was my own XXXX XXXX account and the offer clearly identifies XXXX bonus miles. Nothing has been " transferred ''. Chase is simply trying to fraudulently change the terms of their contract without XXXX.
Consumer complaint received 2023-09-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION (FL)

All bank accounts and loan addressed in this complaint are with Regions Bank. Store has an ATM machine and the money we put in the machine are deposited to stores checking act. at Regions Bank by XXXX, XXXX. An automatic payment was set up directing the money from the checking account to pay for the monthly loan payments. 
XXXX loan payment of {$5100.00} deposited and backed out by Regions Bank and accounts were accidentally closed by Regions Bank per our local Regions Bank XXXX late fee charged XXXX late fee backed out XXXX late fee charged XXXX new accounts opened and loan payment made for XX/XX/XXXX XXXX loan payments for XX/XX/XXXX and XX/XX/XXXX made and everything up to date XXXX late fee charged and XXXX late fees backed out ***When new bank accounts with different act. numbers were set up the automatic payment was no longer authorized. 
***From XX/XX/XXXX through XX/XX/XXXX Regions bank could not figure what was going on and we could not get any answers from the local Regions Bank XXXX Money deposited into the checking account were taken out. The local bank tried to solve the problem but could not get answers from the loan department. They were just as perplexed as we were. Sometime during this time the loan account was frozen. 
XXXX contacted by the loan department and was told we hadnt made a payment in over a year. According to our records at that point we had overpaid by {$1200.00} XXXX XXXX, XXXX the loan department contact us and advised us to fill out a fraud report XXXX we received a letter from XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, stating XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX for default of loan payment.. that were not made from XX/XX/XXXX and all subsequent payments. Regions is demanding the principal, interest through XX/XX/XXXX ( per dime thereafter : {$16.00} ), late fees, prepayment penalty, attorneys fees and costs. We have been asked to provide data that we dont have access to because are accounts are frozen and we do our banking on line. The date the bank is asking for the bank has. 
XXXX XXXX, XXXX the checking account was opened for a brief period of time and we deposited about {$22000.00} to add to the money we already had in the account for a total of about {$31000.00} and a additional deposit for a loan payment of {$5100.00}. 
*** To date we still do not have answers to why our accounts are in such turmoil and I do not think they themselves knows what happened and are trying to figure what went wrong. We have been told by XXXX XXXX we can not contact the bank because the bank is his client. 

***It has been 3 months and we have not heard anything on this case. Because of the default we can not get a loan and could possibly loose our business. 

***Our hands have been tied during this entire time.
Consumer complaint received 2024-09-21
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: EQUIFAX, INC. (TX)

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 2024-01-05
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. (CA)

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX XXXX, CA, XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX XXXX, CA, XXXX XXXX XXXX XXXX, XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2023-09-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Hi.

At end of XX/XX/XXXX  Bank of America sent me the letter stated that all my accounts will be closed, as well as credit card accounts. No explanation why. Each account had the letter with next information : - '' Your account access may be restricted. 
-You can't use your debit card anymore. 
- You no longer have access to online banking services for this account -Our decision to close your account is final. '' So I couldn't pay for my family food with debit or credit card. Couldn't get cash to pay for my needs. 
I had to open accounts in XXXX XXXX, ran to Social security office, my wife job to request direct deposits to the new account. Bank of America hold my money almost 2 months and I had hard time to survive till my family started getting any money.
Consumer complaint received 2023-09-10
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings (FL)

Unfortunately, despite repeated requests, your company has failed to provide the necessary burden of proof to prove the rent payments claim. This is a serious concern that needs immediate attention and resolution. 

I am left with no choice but to formally demand that your company produce the complete and accurate ledger detailing the rent payments from your client within the next 15 days. Please comply with this demand to ensure I can initiate legal action against your company for engaging in what appears to be unlawful practices through a collection agency. 

Unfortunately, I'm in this situation and must address your company 's lack of professionalism and responsiveness. As a last resort, I have no option but to escalate this matter further by using my attorney. 

Please treat this matter as quickly as possible. I'd appreciate it if you could immediately pay attention to providing the requested proof to avoid legal action. 

I'd like quick action and a solution to this issue within the timeframe I've specified within 15 days of this email.
Consumer complaint received 2024-01-05
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. (FL)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-12
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. (IN)

Subject : Complaint Regarding Violation of Statute of Limitations, Fair Credit Billing Act, Uniform Commercial Code, and Electronic Funds Transfer Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX XXXX ( Account Number XXXX ), XXXX XXXX XXXXXXXX ( Account Number XXXX ), and XXXX XXXX XXXX ( Account Number XXXX ). I believe these companies are in violation of several laws including the statute of limitations as outlined in Indiana Code 34-11-2-7, the Fair Credit Billing Act ( 15 U.S. Code 1666b ), the Uniform Commercial Code ( UCC 9-210, 4 ( 8 USC 8 ) , and the Electronic Funds Transfer Act. Additionally, I suspect potential securities fraud in their handling of the certificate of indebtedness. 

The auto loan debt they are attempting to collect is more than four years old, which I understand to be in violation of the statute of limitations as per Indiana Code 34-11-2-7.

Furthermore, these companies have publicly reported late payments and other transactions on my credit report. To my understanding, this is not permissible under the Fair Credit Billing Act, specifically 15 U.S. Code 1666b, and the Uniform Commercial Code ( UCC 9-210, 12 CFR 1026.13 ). 

My account has not been credited for the certificate of indebtedness, which I believe is a violation of the Electronic Funds Transfer Act. This failure extends to the lack of credit for interest on my treasury coupon as well. 

HJR-192 and UCC 3-501 both address the issue of lawful money and the discharge of debt. Under HJR-192, the United States removed the gold standard, which had been the form of money constitutionally recognized. This action seems to have created a system where it's impossible to 'pay ' a debt, but one can only 'discharge ' a debt. I am being asked to pay debts with other debts, which appears to be an unlawful and unconstitutional practice.

Furthermore, I suspect security fraud in this matter. The certificate of indebtedness is a form of security, and the company 's refusal to credit my account for it may constitute fraudulent activity.

I urge the CFPB to investigate these allegations thoroughly. These violations have negatively impacted my credit score and overall financial health, and I fear the potential consequences if these matters are not addressed.

Thank you for your attention to this matter, and I eagerly await a resolution that upholds the protection and rights of consumers like myself. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-09-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (FL)

On XX/XX/XXXX, I was notified by PayPal that I owed them XXXX for XXXX bills presented by XXXX : XXXX for XXXX and XXXX for XXXX. 

I immediately transferred XXXX. You will see it in green with a + in the docs I am sending you XXXX XXXX XXXX XXXX XXXX + {$23.00} PayPal then rebilled me a second time. They drafted my chime debit card {$5.00} AND XXXX a second time on XX/XX/XXXX. 

Then this morning on XX/XX/XXXX, they refilled for a third XXXX. They thought I would not pay attention because it was combined with another payment of XXXX making it a total of XXXX