davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-07-01
Product: Debt collection — Federal student loan
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: The CBE Group, Inc. (AZ)

I have previously submitted a complaint against CBE Group XX/XX/XXXX for contacting me after a cease and desist was requested. Please see [ Case number : XXXX ]. 
On XXXX XXXX XXXX at XXXX I received a call from CBE Group ( XXXX ) then again on XXXX XXXX XXXX at XXXX Mountain Standard Time. This is harassment and the company previously assured me I would not get any more calls. They are in violation of my rights as a consumer. Each violation carries a {$1000.00} fine plus damages. I have my phone records for proof.
Consumer complaint received 2016-01-18
Product: Payday loan — 
Issue: Can't contact lender — 
Company: CURO Intermediate Holdings (TX)

I received a loan through speedy cash in the amount of XXXX. I set up the loan with them with a specific bank account. I defaulted on my loan due to not having a job. However, I called to set up payment arrangements and speedy cash told me my account has went over to a third party collection agency. They also provided me with XXXX. I never provided them with my debit card from XXXX XXXX information. However, recently a transaction has been charged to my account in the amount of XXXX that I did not authorize. I called to speak with both speedy cash and ad XXXX and both had been blaming each other for this transaction. I spoke with at least XXXX different agents to get clarity on how they were able to access my account that I did n't not provide them with. Speedy cash stated they had this information on file from a previous loan I had through them and retained the information. I told them to no longer charge my card and any payment I make.. It would be made through money order or through XXXX of their local stores. My card was still charged without my consent.
Consumer complaint received 2015-11-15
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (FL)

I leased a Regal Buick XX/XX/XXXX, 3 years ago through Ally. The term of the lease was 36 months with XXXX miles per year. I returned the car 2 months ago ( XX/XX/XXXX ) with only XXXX miles. I had still 2 months to terminate the lease and I was aware that I had to paid the remaining lease months, and I did. I left the car in an excellent condition with the normal use/ware of 3 years or XXXX miles. Ally did the inspection and determine that I had to pay for the tires. I paid on time all the lease payments and took very good care of that car, I consider an abuse from Ally to request that I pay them for new tires ( {$940.00} ) when I even under use the car ( XXXX miles less that the contract ) and was return in spotless condition.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

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 :
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

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 : Collection XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Late Payment XXXX  XXXX XXXX Personal Information Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current XXXX XXXX es ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX ( es ) : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX  Employers : XXXX Employers XXXX XXXX XXXX  Employers : XXXX XXXX Employers : XXXX XXXX
Consumer complaint received 2016-11-23
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

Bank of America is tracking my account information and/or expenses and " packaging '' it as financial planning tool. In reality, the firm is using the information as a UNDERWRITING tool and essentially scoring clients without the their expressed permission or without an application for credit. 
Data that includes information regarding of how and where clients spend their money should not be used unless clients are applying for credit and on a case by case basis. Additionally, how can clients be sure that this information is not being sold?! 
When I signed up for BOA Billpayer and to open an account, I never intended for my account information to be used to invade my privacy. I would like for each of my accounts to be viewed in silo going forward.
Consumer complaint received 2017-03-21
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Advertized Restaurant for Sale. Engaged with purported owner.Eventually paid 10K good faith deposit. deal cancelled after she demanded full payment without providing bill of sale for assets and equipment. No business records supplied at all and the contract provided for sale was also incorrect. She has kept money, restaurant and personal belongings housed at site.
Consumer complaint received 2024-09-25
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. (FL)

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!
Consumer complaint received 2016-11-18
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (NY)

I have sent XXXX certified letters to Experian over the past 90 days asking them to supply proof that the items being reported are legitimately mine. They have failed to provide me any information proving the debts are mine. According to the Fair Credit Reporting Act they have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). They must under Section 611 ( 5 ) ( A ) of the FCRA - you are required to " ... promptly DELETE all information which can not be verified. '' The following tradelines being reported that must be removed are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please help me with Experian. This negative information is affecting me personally and very damaging. I can pursue legally but trying to avoid this route. Please provide assistance. Thank you. 

XXXX XXXX XXXX
Consumer complaint received 2016-08-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (MT)

For more than the fourth time in two years Navient has miss allocated funds sent to them, I have done everything they have asked, ( separate checks for private and federal loans, different envelopes and billing addresses for the XXXX, letter with payment on how funds should be allocated, nothing works. Basiclly submitting this as a lasts resort to a lawsuit. 
This is a yearly complaint, i am at my whits end, why pay on time if there just going to mess it up?
Consumer complaint received 2016-02-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (MD)

I have been filing a dispute for months for XXXX XXXX XXXX XXXX acct # XXXX, XXXX acct # XXXX and XXXX acct # XXXX, XXXX has removed all XXXX but Experian left it on, I thought all credit bureaus used the same investigative measures. I sent a letter to Experian letting them know that the other credit bureaus removed it and they sent a letter back stating there information ca n't be based on what another reporting agency has. The account for XXXX XXXX I never lived at the address XXXX XXXX XXXX nor did I ever have XXXX & XXXX, the XXXX acct # XXXX belongs to my son, we have the same first and last name and different ssn, and the XXXX acct # XXXX has been paid in full and I sent a copy of the paid in full letter showing that.
Consumer complaint received 2015-11-14
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I have mailed a validation letter requesting that they explain and show me how they calculated what you say I owe. I mailed this letter on XXXX XXXX, 2015. It has been more than thirty days and have yet to receive proper validation information on this account. They continue to report this account on my credit report however I am trying to understand why they claim I owe this debt.
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (NC)

Trying to pay student loans back from XXXX to XXXX. Received XXXX and XXXX, however payment shock occurred when paying back. No consiconsideration that high paying job has not occurred. Navient sets payments big and options are not compatible to salary and cost of living. Attached high interest when missing as it is sad that it 's unimaginable to pay back. 
Please help with reasonable affordable payment.
Consumer complaint received 2016-10-04
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: ALLY FINANCIAL INC. (MD)

Reference Account Number : XXXX XXXX XXXX I got behind on my car payment ; Ally Customer Service Agent XXXX XXXX ( ex XXXX ) told me the amount to be paid {$880.00} to stop the repossession. XXXX XXXX told me to make the following payments via XXXX XXXX : XXXX XXXX, XXXX {$800.00} paid via XXXX XXXX XXXX XXXX, XXXX {$340.00} ACH from XXXX XXXX XXXX XXXX XXXX XXXX, XXXX {$88.00} ACH from XXXX XXXX XXXX XXXX XXXX XXXX XXXX as I was leaving for work a man in a XXXX car was outside my house taking pictures of my car. I thought that was strange so I checked Ally 's app, it indicated I still owed the {$800.00} and the additional payments were canceled but withdrawn from my account. This is not the first time Ally has misapplied payment and/or told me I owed but had already made payments. From the start of this car loan I 've made bi-weekly payments of {$170.00}, Ally continues to call multiple times a day prior to the second payment being made. I 've asked them to put notes on my file indicating the by-weekly payment, but to date they have not done so. Now they are saying that I owe {$920.00}.
Consumer complaint received 2023-06-14
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: Experian Information Solutions Inc. (MO)

Privacy and confidentiality under 15USC 1681. 

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, has violated my rights. 

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 makes 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 to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

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  IL XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX Employers : XXXX Name : XXXX XXXX XXXX Name : XXXX XXXX
Consumer complaint received 2016-07-20
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: ALLY FINANCIAL INC. (GA)

I was contacted via mail from Ally regarding a settlement for having inflated interest rates for a person of minority. The deadline was approaching and I was not able to locate the form itself, so I googled. Where I was then able to fill o out an eligibility form ( which I did ) and was submitted by both mail and fax. 
Today upon checking the status of the claim, I saw that checks were issue back in XXXX. I called Ally Settlment Administrator and by giving my name they knew exactly who I was and my address. Theres no way I am the only XXXX XXXX in the entire world. Upon confirming that it was in fact I whom they were speaking to, I was told that I did not complete a participation form. I then stated that I followed the directions per the website for claim and there was no f forthcoming correspondence from them indicating that the wrong form had been submitted. She stated yes. I then thanked her and to have a nice day. 
I did my part in a timely manner as was requested.
Consumer complaint received 2016-04-25
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

My husband died in America and I was forced to return to XXXX XXXX. I 'm the Executor of his estate but the Bank of America refuses to pay me the balance in his account. There reason being? we are not going to be able to accept the documentation you provided to me to open an estate account. As we discussed before in the past, the documentation for the estate would have to be from a State of Florida Judge naming the personal representative to the estate. Once we have that documentation and a tax ID number for the estate we could then open an estate account for the funds that he had here at Bank of America to be deposited in and the personal representative could distribute the funds as they see fit.
Consumer complaint received 2016-03-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (DC)

Dear CFPB, I have an unresolved complaint with Chase that has been going on for over six months. Back in XXXX, Chase applied a mortgage payment to principle, without my permission. I have called dozens of times, faxed, emailed, and filed a complaint with CFPB. Chase has since charged me {$400.00} in late fees and says I owe them money for a mortgage payment that is short but this is not true and fraudulent. They took my payment and applied to principle. Despite my complaint, Chase has still not resolved the issue. Today, I am trying to make my mortgage payment by phone but Chase will not take it unless I pay them " the full amount withstanding '' which is the amount of the principle payment applied in XXXX. I made the payment using my bank today XXXX XXXX but it will not arrive by XXXX XXXX. I notified XXXX XXXX, the rep on this issue with Chase by phone about this predicament. I do n't want additional late fees and I should n't be charged anything more than my mortgage payment. This is formal complaint that Chase has billing practices that are abusive. This also serves as a record that today, using my XXXX XXXX XXXX of account I sent {$2200.00} for my XXXX mortgage and sent {$650.00} for XXXX payment. Chase sent me a letter in XXXX that I had {$650.00} in escrow so that is why I paid that mortgage payment that way.
Consumer complaint received 2015-10-14
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (TX)

I have been trying to responsibly manage my situation with Navient, yet every time I call them and I speak with someone they ( the agent ) end up hanging up on me. Today I was being asked some questions that the agent told me could potentialy lower my monthly payments, but when I told them I was un-employed the last thing I heard was a grunt and they hung up. This is not the first time this has happened. On a seperate occasion last week I told them I was not capable of making large monthly payments, and when I was asked how much I could pay, I responded to the agent and he told me he would return my call. I never received a call from Navient in regards to that conversation. Now they are telling me that a payment I had agreed to make with them did not go through. I am trying very hard to be responsible given my situation with un-employment, while also trying to avoid any kind of delinquency but Navient is beginning to demonstrate some rather sketchy behavior. I feel helpless in this situation because I am trying to call, and I am trying to reach a solution, but I am recurrently being hung up on, and when I try to call back no one answers.
Consumer complaint received 2022-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, Experian, XXXX credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

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 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  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 an account without my written instructions.
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Navient Solutions, LLC. (MD)

My loan was sold to Navient and there is inconsistencies in what is owed. There are also inaccuracies being reported on my credit report. No one was able to explain my options of income based repayment or tell me what is best in my current financial situation.
Consumer complaint received 2015-08-16
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO. (CT)

I went to the XXXX XXXX website to purchase tickets. They had an offer for a Chase XXXX XXXX card which would take {$50.00} off the ticket price in the form of a statement credit. They showed how much the net cost would be. I applied for and received the card, and purchased the ticket on XXXX/XXXX/15. When I received my statement, there was no credit. I contacted XXXX and they referred me to Chase. Please see attached e-mail confirming that I am due the credit. I filed a dispute with Chase on XXXX/XXXX/15. They have not responded except to confirm receipt. My payment is due XX/XX/XXXX and although I know I do n't have to pay the disputed amount, they can still charge me interest and fees on it. they say they may contact me by letter for more information - I think that is a stall tactic to take this beyond the date my payment is due so I will either pay the whole thing or they can charge me more.The offer was clearly a come-on designed to get me to apply for the card ; now they are refusing to honor the deal. Can anyone help?
Consumer complaint received 2017-02-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (TN)

I have been paying on this loan since XX/XX/2013 and the balance is still $ XXXX, my monthly payments continue to increase without any explanation, a representative told me this morning that I could save {$8.00} if I enrolled in automatic draft from my Savings account. My car payment is cheaper than my monthly loan payment and my balance is not changing at all.
Consumer complaint received 2017-01-03
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MN)

My business severed its relationship with Bank of America in early 2016. At the time, we had a {$0.00} balance on all of our accounts. In XXXX of 2016, Bank of America sent us a collection notice for merchant services. 

We informed Bank of America at that time that the debt was invalid and that we do not have any open accounts with the bank. 

Bank of America provided no response to that letter, but today I received a collection notice for merchant services. 

I have enclosed our correspondence with Bank of America for your reference.