davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-17
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: SYNCHRONY FINANCIAL (NY)

I applied and was approved for credit on XX/XX/XXXX. I received a statement that my FIRST payment is due on XX/XX/XXXX for {$150.00} PLUS a past-due amount of {$0.00} for a total of {$150.00}. I called and was advised this was due to a system error and to disregard it. I asked for that in writing as I do not want a late payment to affect my credit report and was advised that Synchrony/Allegro do not report to CRAs. I asked to have that in writing but they declined. I asked to speak with a Supervisor and was told someone could call me back. Due to my difficult work hours, I declined. 
I reviewed my loan agreement and found the following clause : " We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your loan may be reflected in your credit report. ''
Consumer complaint received 2023-12-18
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. (CA)

A fair resolution to this issue would be for the credit reporting agency to take immediate action to delete the fraudulent items on my credit report and provide monetary relief for any damages suffered as a result of these inaccuracies, as outlined in the Fair Credit Reporting Act ( FCRA ) Section 605b ( a ) ( 2 ) and Section 1681c-2 ( a ) which requires credit reporting agencies to follow reasonable procedures to ensure the maximum possible accuracy of credit reports and failure to do so can result in liability for damages, attorney 's fees and costs, and statutory damages.
Consumer complaint received 2024-01-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (IL)

I applied for the XXXX Repayment Plan on XX/XX/23 via XXXX. Nelnet has failed to process my application. They claim my application is in their queue, but they haven't given me an accurate timeline for when it will be complete. They only send me emails every XXXX days saying they are still processing my application. My account is accruing interest and their delays are causing me financial hardship.
Consumer complaint received 2023-12-18
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: FORD MOTOR CREDIT CO. (AL)

My XXXX XXXXXXXX XXXX was involved in a XXXX XXXX  and to make a long story short I was offered a settlement and was told why I was offered the settlement only to be told that Ford was over financing.me and every time I try to reach out to Ford, I do not get a response.
Consumer complaint received 2023-12-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I recently pulled my XXXX reports and noticed you are reporting accounts that are incorrectly reported as late or delinquent for Capital one acct # XXXX I requested that XXXX investigate this late payment which has been placed on my credit report causing my credit report to decrease and since then has ruined my reputation. 
Pursuant to 15 U.S. Code 1666b. ( a ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Pursuant to 15 USC 1692J ( a ) it is unlawful to design, compile and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. 
Because the account was never 30 days past due, and the fact of the payment history attached showing no missed payment, means the account capital one credit card has not been properly verified. Please delete this account Capital one credit card # XXXX immediately from my credit report, as they are a violation of my rights as a federally protected consumer under title 15 chapter 41 Payments were never late exhibits attached to show payments made and a late payment fee being credited to my account, but was reported to the creditors
Consumer complaint received 2023-12-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (VT)

According to the Fair Credit Reporting Act, 15 USC 1681 section 602 ( a ) states : " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX, and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801, which states : It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.

Capital One is a financial institution by definition under that title. 15 USC 1681 section 604 ( a ) section 2 states that : " In general, Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' Capital One the financial institution and the Consumer reporting agencies XXXX, XXXX, and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, and XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise, is revoked. 15 USC 6802 ( b ) ( c ) states that : " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Capital One never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states : " Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states : " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX, and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that : " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2024-01-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MRS BPO, LLC (SC)

XXXX  AND XXXX  AND XXXX  WERE REPORTED AS FRAUD AS SOON AS A ACCOUNT HIT MY FILE, MY PERSONAL INFORMATION IS BEING USED FOR RECEIVING THING LIKE CELL PHONES, TV, PERSONAL THINGS AND I HAVE A FRAUD ALERT ON MY FILE BUT CLEARLY IT DOESNT MATTER BECAUSEE THESE COMPANY OVER LOOK IT.
Consumer complaint received 2023-12-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

I am writing to bring to your attention a persistent issue I have encountered with the credit reporting process. Despite my efforts, incorrect addresses continue to be listed on my credit report, negatively impacting my financial standing. 

I have contacted the credit bureau multiple times to address this matter, but unfortunately, the incorrect address remains unchanged. I have attached documentation supporting my attempts to rectify this issue, including correspondence with the credit bureau and proof of my correct address. I understand the importance of accurate credit reporting and the impact it has on one 's financial profile. 

I kindly request the Consumer Financial Protection Bureau 's intervention to facilitate the removal of the inaccurate address from my credit report. I appreciate your attention to this matter and thank you in advance for your assistance in resolving this issue promptly. If you require any additional information, please do not hesitate to contact me.
Consumer complaint received 2024-01-06
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (TX)

I have a prepaid gift card through AMEX and recently made a few purchases through XXXX. Most orders went through but my recent order was declined. The order was in the amount of {$320.00} and the current balance on the prepaid card {$450.00}. So plenty of fund to cover the order. Called AMEX and was told to choose a different merchant even though the prepaid card worked on previous XXXX orders.
Consumer complaint received 2023-12-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report.This is an error that you need to look up into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2023-12-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

I am writing to bring to your attention a persistent issue I have encountered with the credit reporting Agency 's Equifax, XXXX, and XXXX. 

Despite my efforts, a numerous amount of incorrect address continues to be listed on my credit report, negatively impacting my financial standing. I have contacted the credit bureau multiple times to address this matter, but unfortunately, the incorrect addresses remain unchanged. 

I have attached documentation supporting my attempts to rectify this issue, including correspondence with the credit bureau and proof of my correct address. I understand the importance of accurate credit reporting and the impact it has on one 's financial profile. I kindly request the Consumer Financial Protection Bureau 's intervention to facilitate the removal of the inaccurate address from my credit report. I appreciate your attention to this matter and thank you in advance for your assistance in resolving this issue promptly. If you require any additional information, please do not hesitate to contact me.
Consumer complaint received 2024-01-02
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

This is a continuation of a prior issue. I will provide the explanation here. 

I received a letter from Citizens bank that they owe me XXXX and to contact a number provided I called the number and I can not get a hold of anyone as it will only help people with an account number. As this is a disbursement of a loan from 2019 I no longer have an account number. I have tried to contact them and it's impossible to recive my money from Citizens bank. 

In the follow up with Citizens bank the said the money was surrendered to the State of Massachusetts treasury. I checked with the treasury and there is no money to claim. I believe Citizens bank made a false claim about the surrendered money. There is nothing in the records from the state about the money.
Consumer complaint received 2023-12-16
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: EQUIFAX, INC. (FL)

On XX/XX/2023 Equifax furnished my consumer reports to ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, and XXXX XXXX XXXX ) without a permissible purpose as per 15 USC 1681b ( 2 ) or knowingly without a legitimate business reason pursuant 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). 

I have already file a dispute with Equifax on XX/XX/2023, and they still refuse to remove the inquiries from my credit report. I also had sent a dispute letter directly to all the creditors regarding furnished my consumer reports.
Consumer complaint received 2023-12-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IN)

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 numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I told Experian, XXXX, and XXXX to reinvestigate these accounts. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2023-12-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (FL)

My student loan payment is due on XX/XX/23. Today is XX/XX/23 ; when I attempt to make the payment, I am unable to select todays date as the submission, forcing me to select the XXXX, but then the system states it would be a late payment and would be charged a late payment fee. Any attempt to make my payment is rejected even when I did select the XXXX. 

Essentially, they won't accept my payment because it's a weekend even though their online system is meant to be XXXX service. The bill should be in submission and marked as paid.
Consumer complaint received 2023-12-18
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: SYNCHRONY FINANCIAL (LA)

There is an account listed on my credit report as " syncb/PPC '' that shows it was opened in XX/XX/XXXX and closed XX/XX/XXXX. it says that it was charged off and that the company holding the debt can be reached at the phone number : ( XXXX ) XXXX I have contacted synrchony Bank directly as well as the phone number listed on my credit report. Neither have any record of my information or this debt owed. I have given them all of my information, spoken to more than 10 representatives over the course of 2 weeks. I have received no help, and no one has been able to verify this information, what this account is, or tell me why its on my credit report.

This is a violation of my rights under the fair credit reporting act.
Consumer complaint received 2023-12-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Byrider Franchising, LLC (MI)

Subject : Formal Notice Regarding Account Payment Discrepancy Reference : 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 Dear CNAC, I hope this letter finds you well. I am writing to bring to your attention a recent discovery regarding the payment method for my car finance account. 

Upon careful review, I have realized that I have been making payments on the account incorrectly. In an effort to rectify this matter, I would like to officially document this discovery and inform you of my intention to discharge this debt either through a XXXX or by properly endorsing the promissory note. 

For transparency and good faith, I want to express my reluctance to settle this account using Floating Rate Notes or bi-weekly ACH, as it may inadvertently place me in a position that conflicts with Congress 's definition of an enemy of the state which I wish to avoid. 

Furthermore, I request the release of my vehicle title from the XXXX, as there is no longer a lien on the collateral. Additionally, I request the deposition of any securities and FRN payments made into my XXXX account. Failure to comply with these instructions may be considered securities fraud, as defined by Congress and the U.S. Treasury. 

It is crucial to clarify that I am not willing to participate in activities that could potentially involve securities fraud or operate outside the appropriate fiduciary role. As I am not a member of the XXXX XXXX XXXX, I can not pay debts in FRNs and insist on an alternative resolution. 

I appreciate your prompt attention to this matter and look forward to resolving it amicably. You have 21 days from the delivery of this notice to assist in rectifying this matter. No collections on the account and/or repossessions of the vehicle can take place. I can be reached via US Postal Mail and email communications. Do not call or text me. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-12-18
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Foreclosure
Company: Specialized Loan Servicing Holdings LLC (GA)

SLS is attempting to foreclose on a a second mortgage with a fraudulent assignment. The assignment is robo signed by a well known robo signer. The assignment was created after cutoff date for the trust that XXXX XXXX XXXX XXXX is serving as the trustee for. The previous serving company attempted to foreclose and also filed a lawsuit but the judge signed an order dismissing their claim. The attempt to foreclosure with fraudulent documents and the polling servings agreement filed with the United States Security Exchange clearly states in section 201 that the assignments had to been conveyed within 99 days prior to the cut off date of the trust which was in XXXX of 2005. They are violating the pooling and serving agreement that held with the XXXX
Consumer complaint received 2023-12-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (NJ)

Subject : Formal Complaint Against Discover Bank for Fraudulent and Malicious Credit Reporting Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Discover Bank concerning their egregious and malicious credit reporting practices, which have had a severe impact on my financial standing and well-being. 

The details of my complaint are as follows : In the midst of the COVID-19 pandemic, I made a purchase of facial masks on XXXX totaling over {$500.00} using my Discover credit card. Subsequently, I returned the product, but the seller refused to issue a refund. 

Despite my attempts to resolve the matter, the dispute case was not ruled in my favor, and I incurred a charge of {$500.00} on my Discover credit card in XX/XX/XXXX. 

In response to this charge, I refused to pay the {$500.00} and, as a result, Discover Bank added a {$300.00} fee to the balance. Ultimately, Discover closed my account in early XXXX. 

Discover marked my account as charged off, and in XXXX, it reported the charged-off amount as income to the IRS. This has had significant consequences on my financial standing. 

Although my account was closed and charged off, Discover has continued to report it as an active account, and more astonishingly, it has sent me a letter dated XX/XX/XXXX, claiming to respond to my inquiries. The letter falsely states that Discover must continue to report my account to credit bureaus as it is a disputed account. 

This statement is factually incorrect, as the dispute was resolved in XXXX, and the account was closed. Moreover, the balance on the account was reported as income, providing no valid reason for Discover to continue reporting my account as late payment. 

The ongoing reporting by Discover is not only false but also malicious and constitutes fraudulent credit reporting practices. 

I kindly request the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action to rectify the inaccurate and harmful credit reporting by Discover Bank. This misinformation is damaging to my credit score and overall financial well-being. 

Enclosed with this complaint, you will find relevant documentation supporting my claims, including copies of correspondence with Discover Bank and evidence of the erroneous credit reporting. 

I appreciate your attention to this matter and trust that the Consumer Financial Protection Bureau will conduct a fair and impartial investigation to resolve this issue promptly. 

Sincerely,
Consumer complaint received 2023-12-16
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: CAPITAL ONE FINANCIAL CORPORATION (WY)

Dear Management Center, Due to bad service and requesting you remove the initial $ XXXX and all other fees since to be removed as promised due to ACH outage from XXXX. There is a formal request for the account to be " Closed " by my request today! The most unprofessional service I had this week with the client service support number. I've never had so much trouble trying to accomplish simple tasks with customer service.
Consumer complaint received 2023-12-15
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: DISCOVER BANK (FL)

I was trying to purchase a vehicle and I realize that I have damages on my credit remote. According to the 15 U.S.C 1681 Law, there should not be any damages on my report, its a defamation to my character.