davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (OH)

To : CFPB XXXX XXXX XXXX, OH XXXX XXXX RE : Equifax To whom this may concern : I am writing today to inform you that while applying for a mortgage recently, I learned of a derogatory item showing on my Equifax credit report, which is inaccurate. 

Specifically, the item is for a medical bill ( allegedly ) without any other information including the servicing/collecting party. I have no knowledge of any medical bill taking place in XXXX ( where I have never lived ). I have no knowledge of this alleged bill. I believe this is a mistake in reporting. 

I respectfully request that this item be removed from my credit report based on the above information. Attached is the portion of my Equifax report showing the derogatory item. 

Sincerely, XXXX
Consumer complaint received 2017-01-13
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I recently travelled abroad and was charged {$400.00} in bank fees by Bank of America for XXXX transactions for using my debit card for my checking account abroad. When I approached the bank after returning from my overseas trip, I was told that this 3 % transaction fee was listed in my account disclosures. I vividly recall the conversation I had when opening the account where the bank representative clearly stated the account would have no fees but failed to similarly clearly point out that however there would be a 3 % transaction fee for any international transactions on the debit card. I believe this is a deceptive practice, and not everyone is well versed enough to read all the fine print and disclosures to understand that these fees will occur. Had the representative made these transaction fees clear when I opened the account, I would have found an alternative method of paying for those transactions abroad. The bank refused to refund these fees on this basis, and I believe this is a deceptive practice and my fees should be returned.
Consumer complaint received 2017-01-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (CT)

RE : XXXX credit Card Missing payment history Dear CFPB : Upon review of my credit report, I discovered that my payment history reporting on credit card account from XXXX XXXX XXXX was missing 12 months of payment data from Experian. The account payment history credit report on XX/XX/XXXX reflects the original opening date of XX/XX/XXXX and reporting data on that month XXXX XXXX XXXX. 
My XX/XX/XXXX credit report reflects a change in the " XXXX reported date '' stating XX/XX/XXXX and XXXX months of payment history deleted from this account. 
This account has a perfect payment history and is not reported correctly by the credit agencies. I suspect that someone had done this to cause the age of the account to shorten thereby causing credit score changes/anamolies. I have contacted XXXX and informed them of the dispute, I am following up with the CFPB in regard to this situation because I suspect the employees, credit managers, or data furnishers of the agencies are manipulating credit data to cause reductions in individual consumer credit scores. 
I ask the CFPB to investigate these issues of missing payment data on existing consumer accounts that are in good standing. 

Sincerely, XXXX
Consumer complaint received 2023-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Freedom Mortgage Company (FL)

On XX/XX/XXXX  i was transfer from XXXX XXXX to this company Freedom mortgage, since XX/XX/XXXX  when I started this complain that as I found today havent been resolve, I have lost my job due to the incorrect reporting on my account to the credit agencies, I was denied plenty credit application including the refinance I was trying to do with another companies in order to get rid of this horrible company, the not only report my account status incorrect but they shown that I owe them money when they had all the money that was transfer from XXXX XXXX Still I paid them all as of today and they agreed to send the information to the agencies in order to fix my credit with the truth and the same day I pay the last month I was holding g in order for them to fix this. They reported to the agencies that I was late 90 days when that was completely a lie. I am tired of fighting with this company for over 9 months in order to fix this and they only laugh on my to the point that in XX/XX/XXXX I lost my job because all the bad things they reported incorrectly to my account. I have spoken to 49 agents, 12 supervisor, 7 back-up team members and 2  customer care manager and only supervisor XXXX was the only one that was able to start a real dispute with all the departments involved on this. The same that was in communication with XXXX from the credit department who offered me to pay the month of XXXX which I was holding it in other to force them to fix the issue and he was going to send a letter to the agencies in order to fix my credit. Turns out m, they reported 90 days late the same day and as of today no- financial company, field that I work in, they want to hire me because my credit is a mess and low due to this disaster they made in my life. I am recurring to you in faith that I have the solution in order to clean my name and recover my credit score since they put me in the low level ever. Please help me out. If you need to contact me. Please call me at XXXX
Consumer complaint received 2016-10-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (WI)

I called and spoke with an agent and then a manager asking to have my hard inquires removed. I have writte letters to each of the companies and have not received a response of validating or a letter of having the inquires removed. They are currently being showed on my credit report. 

The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 

The following credit inquiries are related to none of the aforementioned permissible purposes : 1. XXXX XXXX 2. XXXX 3. XXXX XXXX 4. XXXX XXXX 5. XXXX 6. XXXX XXXX Please remove these inquiries from my credit report immediately. I have enclosed a copy of my driver 's license as proof of identity.
Consumer complaint received 2017-02-21
Product: Credit card — 
Issue: Billing disputes — 
Company: Bread Financial Holdings, Inc. (WA)

XX/XX/XXXX This is the supporting information enclosed with the letter of dispute dated XX/XX/XXXX. 
This charge of {$400.00} is invalid. 
Here is the detail information of this incident : 1. In XX/XX/XXXX, I purchased a new, unlocked iphone from XXXX. ( Encl.1-A ) 2. I received an unsatisfied product because of the DISHONEST BUSINESS PRACTICE conducted by XXXX third party seller, Q1W. The phone I received is a pre-owned, locked by XXXX 
3. I contacted XXXX to request a refund. But XXXX refused to offer any assistance stating because the order was fulfilled by third party seller, there is nothing they can do. 
4. I began contact the seller for refund. The seller insists that it is a new phone. During the conversation, the seller even suggested " jail-breaking '' to make it work. I refused because a new phone does not need to jail-break, and it would potentially void the warranty. Furthermore, it indicates that the phone I received is not brand new ( The seller knew it. ). 
5. In the meantime, I also filed dispute to XXXX ( now XXXX ) explaining all the details 6. With the help of XXXX, I have obtained a report that clearly shows this phone 's previous owner 's name and address. ( Encl. 1-B ) 7. I presented this evidence to the seller and XXXX. The seller finally agreed to offer a full refund. 
8. I sent back the phone as per seller 's instruction and tracked the progress closely. I compiled a file listed all the actions I took during the process. ( Encl.1-C ). 
9. The same timeline of the progress was also sent to XXXX for verification ( Encl. 1-C ) .The final notice # XXXX dated XX/XX/XXXX received. The charge of {$400.00} was removed based on the facts that the wrong product was sent to the customer and I have put my best efforts to return the product and have the wrong charge removed ( Encl.1-D ). Everything seems to work as it should be. 
However, unfortunately ... ... .. 
NewEgg, the original seller of this purchase, refused to provide any services to their customer in the first place. I, as a customer was forced to bypass NewEgg, to proceed the product return and refund on my own. 
Worse yet, NewEgg later imposed a charge back against my PayPal account for the money they are absolutely not entitle to collect. And, and NewEgg suspended my account all together. 
Based on the information provided above, it is crystal clear that the charge of {$400.00} is invalid. Under no circumstances, I should pay for the product/service that I do not receive.
Consumer complaint received 2017-01-03
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Credit Service Company, INC (CO)

Credit Services Company, Inc. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Toll Free : ( XXXX ) XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX and XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX Dear Consumer Financial Protection Bureau : XXXX XXXX, XXXX Re : Case number XXXX In response to your letter dated XXXX XXXX, XXXX, the above named credit company is once again ( after the passage of over one year ) harassing me with threatening letters. These letters are documents nearly entirely in XXXX, though I speak XXXX. 

These letters attempt to prove that I did not experience coercion and predatory consumer manipulation when a doctors office in network for me suggested that I have an elective ( non-necessary ) procedure, and that they would make all the necessary arrangements for me to have this invasive out-patient procedure at XXXX of their sister facilities. 

As indicated repeatedly in previous letters, not once in all the interactions with this doctors office or the institution that repeatedly contacted me, was any notice given, nor advice or " Full Disclosure '' carried out by any of the parties involved ; that they were - in fact, outside my insurance network and therefore cause certain patients financial hardships - even if referred by the physician in question here. They have an ethical, moral and fiduciary responsibly to their patients to provide safe, effective, and fully informed and consented care to the patients they treat and collect remuneration from. 

In your latest letter, you indicated that you were unable to contact said credit company for lack of domicile, etc. Please note above that I have corrected in full the information you require ; including a toll-free phone number and the previously missing XXXX number. 

I hope that this additional documentation will assist you in pressing my compliant and my cause to its ' rightful conclusion with this predatory organization. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, XXXX XXXX XXXX Email : XXXXXXXXXXXX
Consumer complaint received 2023-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

In accordance with the Fair Credit act XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX ) 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 a account without my written instructions
Consumer complaint received 2017-02-21
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (AZ)

In XXXX, my husband of 20 years and I divorced. He quit his job immediately prior to the divorce proceeding to ensure that I would not be awarded Child Support for our XXXX children. I was then actually required to pay him child support as I was the primary income earner. At any rate, this spawned a chain reaction of debt pile-up, including our mortgage with JPM Chase. I applied for a modification with them in late XXXX and were going through the process and I was following all of their " rules '' and " hurdles ''. Sending requested documentation 4 and 5 times. We were coming into what the Chase Loss Mitigation team called " the home stretch '' when we received a knock on the door one Saturday morning by a realtor claiming our home was sold at Auction the day prior and we had 30 days to move. I was devistated. I had worked so hard to buy my home and it was literally being taken away from me even as I was trying to do the right thing for myself and my children. I was forced to file bankruptcy in XXXX and included the foreclosure in that BK. I was forced to rent a home in XXXX that was far too expensive for me to afford due to the limited time I had to procure a home for a family of XXXX. In XXXX, I was hospitalized and almost died from XXXX. I was off work for over 6 months. I was released to return to work full time XXXX. I was then displaced with XXXX other XXXX employees on XXXX. I liquidated my XXXX to pay for my rent until the end of XXXX. On XXXX, I was evicted from my rental home due to not being able to pay rent - as no job had been secured. This was the first time I had not had a job since I was XXXX years old. For the first time in my life, I was officially homeless. With all XXXX children in tow. In XXXX, XXXX rehired me in their XXXX as an XXXX where I have remained employed since. Unfortunately, the entire course of events was triggered by Chase 's inability for their loss mitigation department to talk to their foreclosure department to advise that we were mid-modification. I know of several other families who have had similar situations with Chase. I believe their modification process was all just a tactical move on their part to reclaim properties from unsuspecting modification clients - similar to the bait and switch. Deplorable.
Consumer complaint received 2017-05-23
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (VA)

XXXX   XXXX  sold an accou nt to Portfolio Recovery   XXXX    XXXX   in the amount of {$930.00} and they have been contacting me all times of day and night and threatening to sue. I have no written or signed contract with  Portfolio   Recovery. I have made all  XXXX  credit bureaus (  XXXX ,  XXXX  and  XXXX  ) aware of this matter, yet they continue to report inaccurate information on my report. T his matter has become a troublesome situation for myself and my family. Any help in assisting me with this matter is greatly appreciated.
Consumer complaint received 2017-05-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems (TX)

I contacted MIDWEST RECOVERY SYSTEMS by certified mail o n 2 occa sions concerning an entry on my credit report, I explained that this is not my account and it is fraud, I have had no dealings with  XXXX    XXXX   XXXX  , I am a veteran with a   XXXX   XXXX     XXXX  and can not participate in such activities. I ask them to provide documentation of this entry bearing my signature and they have failed to do so. Any help you can give me in this situation is greatly appreciated. I will take them to small claims court if this is what I have to do.
Consumer complaint received 2016-05-02
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: SQUARETWO FINANCIAL CORPORATION (TX)

This information being reported by CACH LLC is inaccurate and still no proof has been sent to me. I disputed with XXXX and this information was removed yet it continues to remain on my XXXX and XXXX report. This company violated the FDCPA by sending me letter offering me a settlement during my dispute period which overshadowed my validation period. I want this matter investigated. My social is XXXX and date birth is XX/XX/XXXX. If I must file a civil lawsuit against CACH LLC to protect my rights I will do just that and notify the media about their unfair and deceptive collection practices. I wonder how many other consumers rights have been violated in this manner.
Consumer complaint received 2017-02-07
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION (TX)

Toyota Financial Services erroneously ( perhaps fraudulently ) issued both my wife and me IRS XXXX XXXX claiming excess wear and tear on leased vehicles. These were issued erroneously because, for a debt discharge to occur, the amount of the obligation owed must not be open to any real dispute as to whether or not it 's actually owed. These are and always have been vigorously disputed and never documented. 

Additional pertinent facts : 1. These charges were repeatedly disputed under the Texas Fair Debt Collection Practices Act. We were never provided any photographs or repair bills supporting their claim. 
2. Toyota periodically reassigned our accounts to different collection agencies. Each time we asserted our rights under the TFDCPA they ceased collection activity without providing the requested documentation. 
3. Toyota 's own website includes numerous examples of excess wear and tear, none of which were on our vehicles. ( My wife and I are XXXX+ year old XXXX 's and these are XXXX Toyota Camrys. We are not exactly hard on cars. ) 4. The dealership inspected and accepted our vehicles upon return. The charges were " surprise bills '' that came later, with no opportunity to further inspect or effect repairs on our own. 
5. Finally and perhaps most importantly, this is internally generated revenue to Toyota. They choose an amount, and once the vehicle is beyond the customer 's control, send the bill. They simply have not documented that they incurred any actual repair cost. Debt discharge can only exist if, and to the extent that, the lender has taken an actual cash loss. 

In summary, these XXXX forms were issued for losses that can not be documented. In talking with several of the collection agencies assigned to these accounts, it appears that Toyota regularly tacks on these additional charges as yield enhancers and this is a common practice for them.
Consumer complaint received 2016-05-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (GA)

This issue was first resolved XX/XX/XXXX with Green Tree Servicing LLC and Consumer financial Protection Bureau case number: XXXX, whereas green tree acknowledged my payments.
What happen in the process: 
On XX/XX/XXXX, I talk with Representative XXXX with Green tree mortgage to get and explanation why every time I make a payment it doesn't show in my account activity for payments receive and principal reduction.  She informed me Green tree had placed my account into a loan modification.  As I explain to her I did not request or sign any documents requesting a loan modification.  She requested me to do two things:
1. Write a letter stating I do not want a loan modification, and I will send the balance of $XXXX needed to bring the loan current on Friday XX/XX/XXXX.  I fax the request on XX/XX/XXXX.  Green tree sent me a letter acknowledging my fax.
2. Mail funds on Friday XX/XX/XXXX as agreed to bring the loan current. On XX/XX/XXXX I mail check number XXXX in the amount of $XXXX to Green Tree.  I've confirm with my bank the funds was processed on XX/XX/XXXX.
Today XX/XX/XXXX
After Green Tree's letter of acknowledgement about resolving this issue Green Tree keep putting me off for the reason the monthly statements did not reflect I was current on payments.  Later Green tree moved my account to Ditech now this issue has not changed and I keep getting calls stating I'm late on payments and this month they reported it on my credit report.  I have details of all my payments to green tree and Ditech showing I have not missed a payment after I brought the payments current XX/XX/XXXX.  
Date	 	Check Number		Payments	         Balance
						
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 2017-02-21
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

During XX/XX/XXXX, I XXXX closed my business ' checking bank account ( at XXXX ) and switched to XXXX. 
During XX/XX/XXXX, I called up Citizen One Auto Finance requesting a form to be set up with auto-payment through the new bank account. 
I was sent a form to fill out which I did. However at the beginning of XX/XX/XXXX ( sometime between the XXXX and the XXXX ) I received a call from Citizen One Auto Finance notifying me that my account is past due. I immediately paid the balance and requested again to be set up with auto-payment. 
I received another auto-payment form which I filled and mailed on XX/XX/XXXX. 
To my great disappointment and frustration, I received another call on XX/XX/XXXX notifying me again that the account is past due. 
At this point I started to ask questions. After spending 6 hours on the phone and speaking with over 10 customer representatives I finally found out that the auto-payment request form which was mailed on XX/XX/XXXX was only received on XX/XX/XXXX, a fact which I find hard to believe. Additionally, I was informed for the very first time that it takes up to 2 billing cycles for the auto-payment to be implemented. Had I known this fact, I would have continued to send checks until I would see the auto-payments coming out of the bank. 
Later on that day, I discovered from another representative that both applications were rejected because a letter from my bank specifying that I 'm a signor on the account was not provided along with the form. This requisite was not communicated to me during the 2 phone calls in which I requested the auto-payment set-up. Most importantly, this requisite was not listed what so ever on the instructions of the form itself. The form does say however, that if it is incomplete it would be sent back to me. That never happened! And when I called for the second time for the auto-payment set-up no one informed me that my first application was rejected or the reason. 
I feel that Citizen One Auto Finance was being deceitful and was withholding information to gain more late fees and hurt my credit score. 
I had to spend an entire day calling dozens of times and being told at times actual lies ( to discourage me to file a complaint with their credit bureau ) in order to discover the real reason the auto-payment was not implemented.