davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-23
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Collection Service Inc (GA) (AP)

I was a tenant at XXXX XXXX XXXX, at the time owned by XXXX XXXX. I completed my move out inspection and was told that I did not own anything. I am active military, so upon my departure by way of change of station, the called to make sure that I was halfway across the country to do another " inspection '' and added a list of charges long after my departure. XXXX XXXX later told me that they will remove the debt after Intold them what happened and they found my original move put inspection. However, they sent the fraudulent debt to a collection agency " PROFF COLL '', and XXXX no longer own the property. When I called to figure out why it was on my credit report, the current owners told me that XXXX no longer owns the property and that they do not have any record of my account. I believe this fraudulent debt should be removed from my credit report. My credit score is above 800, even with this fraud, and I make over XXXX XXXX. Therefore, I would not let a {$390.00} debt sit in collections if it was valid and I actually owed it. If it was actually my responsibility, it would have been paid long ago before it became past due.
Consumer complaint received 2021-08-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (FL)

I am writing as I feel I have been incorrectly denied for services with AMEX and they are unwilling to escalate to the appropriate team. On XX/XX/21, I applied for the AMEX XXXX gold credit card with a nearly perfect credit score, very low debt to income, great credit history, no late payments, a substantial salary etc. Once I submitted my application, it was immediately declined using their automated decisioning system. In total shock, I called to inquire and was told by the customer service agent that although my credit profile was very clean, within the past 1.5 years too many credit cards have been closed, which resulted in the denial. I explained this was not the case and was told by the agent to contact XXXX. This is totally unacceptable being AMEX pulled my credit profile and have a copy of my report that could be reviewed for accuracy. Being I work in the financial industry, I requested to have my application manually reviewed by underwriting and was told no, the system will not allow me to resubmit for second review. Frustrated with this reply, I requested to speak to a manager and was informed one was not available and would return my call within 3-4 hours ; never heard anything. I feel this decision is inaccurate as I have not personally closed any credit cards within the last 1.5 years and expect a valid reason to not approve my application. Credit cards being closed by a creditor for inactivity should never impact a credit decision.
Consumer complaint received 2021-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

I purchased my first home in XXXX of XXXX. XXXX weeks after purchasing my home, I was put on furlough through my employer and my hours were cut in half. Unfortunately, I did not qualify for unemployment because I made to much ( even though my income had been cut in half and all of my bills stayed the same ).

I contacted fairway and they offered to defer the payments, but I knew I could make them ... it just may take a little longer than the 30 days you are given.

I have made every single payment on my home. Whenever I got a stimulus check I put every dime toward my house payment. 
Unfortunately, XXXX XXXX XXXX XXXX  took over my loan and even though I was told I would not have any " late payment '' marks on my credit & there would be no fees for the late payments as long as they were made, I now have 7 late payments ( one of which is for XX/XX/XXXX and that payment has been paid ). 
My credit score has dropped over 150 points just from those remarks and they have charged me over {$500.00} in fees. 
Over the last year, every single payment and late fee has been paid. I will gladly pay the late fee, as a courtesy since I was in fact late. I have spoken to several people at XXXX XXXX XXXX and all refuse to help me with the late fee remarks on my credit. I shouldn't have my credit ruined when half the world was able to go without paying their bills at all ... and the WHOLE world was in the middle of a pandemic. 
I would really appreciate it if XXXX XXXX XXXX mortgage would take off all of the 7 late payments they marked on my credit so that I can work toward rebuilding what covid has messed up. I will no longer have any late payments ( I have since returned to work, all payments are current and will stay that way ).
Consumer complaint received 2021-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CURO Intermediate Holdings (CA)

I do not recognize this account. The information regarding this account fails to report completely. I do not see the monthly payment, terms, credit limit, past due, and date of last payment being reported.
Consumer complaint received 2021-08-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (MD)

Several Private Primary Academic to Graduate-Professional Student loans were compromised post final payments disbursed and settlement agreements confirmation by multiple lenders for graduate programs within the USA. Multiple state universities and colleges have filed and successfully submitted ( won ) cases involving money laundering and student loan theft in connection with the graduate dissertations, loan approvals, loan payments to the universities and colleges ( domestic/international ), congressional boyfriends ( XXXX men names none disclosed ) claim of underwriting extortion by my degree issuing schools, consolidated loans scams aimed at former full time employment agreements, stock ( probate scams/ market savings/403 ( b ) /401 ( k ) / Private IRA ) options fraud within majority of US corporate entities and accounts. Inheritance of ( XXXX XXXX XXXX XXXX stock records + acquisition of original & renewal ( bonds/free-sale/booking slots ) options which are being used as active military death threats by several actual and impersonating chiefs warrant officers in advance of organized criminal communities since XXXX.
Consumer complaint received 2021-08-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

Capitalone is harassment on my payment that is not due till XXXX of each month.Saying payment due by XXXX? Than they charge me without Notice {$25.00} on XXXX XXXXAbout your Platinum Card ending in XXXX Dont forget, your online payment is due by XXXX XXXX. ET on XX/XX/. Capitalone must have the meanest people working for them.I made XXXX dollar payment on XXXX of XXXX, they was only asking for XXXX dollars.See how the world is ignorant to Seniors, futhermore i the victim cfpb what does it stand for? Consumer Financial Protection right but you always let crooked companys win.Capitalone is not nice company and they wanted me to open up 360 checking account.So my social security direct deposit goes in i almost did it.But catch is must have two direct deposit.Futhermore they dont explain how i could add different payment, i tried paying earlyier on XXXX, but could not figure out, i try email, but there email was return because i/you cant send or answer emails.Just like XXXX  shop they listed in XXXX XXXX and XXXX.With impossible get hold of like capitalone.
Consumer complaint received 2021-08-18
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (TX)

I have a out dated account on my credit report and I have tried to get them to updated report like other 2 bureaus did both XXXX and XXXX both removed this items but XXXX continues to report this outdated information I need it removed ASAP
Consumer complaint received 2021-08-23
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. (OH)

This is the 3 time I have disputed and filed a complaint with the CFPB and the FTC over accounts US DEPT OF EDUCATION # XXXX XXXX XXXX XXXX # XXXX,, XXXX # XXXX XXXX XXXX # XXXX, XXXX # XXXX # XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThird-Party Collection Agency unable to validate debt . Other problems have included debt buyers selling with accounts with one creditor and then being collecting by another who allegedly purchased the debt ( Smith v. Mallick, 514 F.3d 48 ( D.C.Cir. 2008 ) ), disputes between debt buyers over who owns which account when buyers have purchased partial portfolios ( Wood v. M & J Recovery LLC, CV 05-5564, 2007 U.S. Dist. LEXIS 24157 ( E.D.N.Y., April 2, 2007 ) ( dispute over who owned the 1/5th of a portfolio that included the debtors account ), or debt buyers attempting to collect monies in excess of the balance of a previously settled debt ( Overcash v. United Abstract Group , Inc., 549 F. Supp. 2d 193 ( N.D.N.Y. 2008 ) ) there are so many violations I don't which one to start with. All of these accounts are fraudulent until I see PROOF OF CHAIN OF TITLE OF OWNERSHIP!! I have not received any documentation from any of the above companies and I request again that Proof of Claim and verification.
Consumer complaint received 2021-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ERC (CA)

I do not recognize this account. The information regarding this account fails to report completely. I do not see the monthly payment, terms, credit limit, past due, and date of last payment being reported.
Consumer complaint received 2021-08-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

I help operate a small water district that collects money for the water used - suffice to say we are a legitimate business, collecting money for legitimate purposes. We wanted to allow customers to pay using a credit card, so we created a business account with PayPal over 2 months ago. After some sales ( around {$6000.00} in total XXXX PayPal has completely shut down my account and froze all my funds. Right now there are hundreds of subscribed customers that are unable to benefit from our services because of this situation. 

We called customer service and they could give no further info or reason why we were suspended. 

I finally had enough and I am coming to the Consumer Finance Protection Bureau ( CFPB ) site to file a complaint. 

Please let me know of any documents or information you may require.
Consumer complaint received 2021-08-21
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: U.S. BANCORP (CA)

On XX/XX/2021 I called US Bank to ask them where the interest charges on my line of credit are listed since I didnt see any interest deduction on the online activity in the last XXXX months. The last interest charge on my account was {$490.00} on XX/XX/2021. I had paid the balance down significantly so I was curious about how much interest I was paying as the balance was declining. She told me that on XX/XX/2021 when I paid {$5000.00} to the principal, the {$510.00} interest was deducted from my principal payment. The online page clearly has columns for the following : Date, Description, Credits, Charges, Principal, Interest across the top of the page. However, my {$5000.00} payment was listed only in the Credit column and only {$4400.00} was applied to my principal balance. There was no indication that the bank had deducted the {$510.00} from that principal payment. I want full disclosure here. The {$4400.00} should have been in the Principal column and the {$510.00} should have been in the Interest column. And yet, there was no indication that they had charged me the {$510.00} interest. Their excuse was that it was stated on the paper statement that was mailed to me. Question : shouldnt the online activity page MATCH the activity I see on the paper statement? What are they trying to hide from their customers? Why are they not providing detailed activity when they already have the columns set up for the details? And when they labeled my {$5000.00} payment a CREDIT, that was a lie. Only part of that payment was a credit. Did they not want me to see their {$510.00} interest charge?
Consumer complaint received 2021-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

I opened my mortgage with XXXX XXXX, since i opened my mortgage with the above company i made payments from my business account to pay the mortgage and everything was going smoothly with the payment history. in XXXX of 2019 XXXX XXXX XXXX  bought the mortgages from XXXX XXXX. and started to return my payments after a while i realized what is happing that XXXX XXXX XXXX is not accepting my payments. so i got in contact with XXXX XXXX XXXX and ask why they are not my reporting my payments i am sending, they told me they can't accept this kind of payment because checks has to come from my personal account ... i complaint to the supervisor from XXXX XXXX XXXX that its not legal to not notify me that they will not accept this kind of payments i was used to make to XXXX XXXX, because they didnt notify me of their changes in accepting my form of payment, they report lates on my credit report since XXXX of 2019. the supervisor of XXXX XXXX XXXX assured me he will take care of it and make sure XXXX XXXX XXXX is reaching out to all 3 credit bureaus to remove the negative marks, till today XXXX XXXX XXXX  didn't reach out to the report companies to remove the lates.
Consumer complaint received 2023-07-06
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: EQUIFAX, INC. (CA)

This is my 4th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block the items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX CA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX, XXXX XXXX XXXX : {$3600.00}, XXXXXXXX XXXX XXXXXXXX Balance : {$1300.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$2300.00}, XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: V and H Portfolio (TN)

I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties. This looks SUSPICIOUS AND DECEPTIVE ; I demand proof TO SEE valid authorization/proof of alleged debt. Reporting without valid proper disclosure requirements is in direct violation of my consumer rights. I XXXX XXXX, legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these regulations by the FTC U.S C41, et Esq. I am maintaining a careful record of my communication with your company.
Consumer complaint received 2021-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

I purchased a new XXXX XXXX XXXX from XXXX XXXX XXXX ( XXXX, Ga ) in XXXX. In XXXX I was informed to come in for a recall, they replaced the part on my car my car in XXXX. Since this time, I have been having constant issues with my engine burning oil irregular and causing my engine to stutter. Within this past year of XXXX XXXX, my car has been serviced over 6 occasions. I am part of XXXX XXXX XXXX against XXXX and their defective motors. The engine settlement claim denied my initial XXXX in claims of maintenance because of the issue not being one of their supported issues. 

Since XX/XX/XXXX, XXXX XXXX has had my car in their service shop without providing a solution to fixing my car. XXXX XXXX Service Dept has serviced my XXXX XXXX XXXX for the same matter and keeps saying they cant figure out why my engine keeps stalling out on me. Ive been told by many mechanics that this is due to my faulty engine from XXXX ( A National issue ). Mechanics from XXXX XXXX  ( XXXX XXXX XXXX XXXX, GA ), XXXX XXXX XXXX, XXXX XXXX ( XXXX XXXX, XXXX XXXX ), and XXXX XXXX ( XXXX XXXX XXXX, GA XXXX just to name a few shops within this past year alone. ( Georgia ) Ive been told by the Service Technician and Mechanics to let my engine die out and then Come back to XXXX with a claim for my engine locking up. Thats not fair to me as a customer.I need help disputing all charges for late payments since XXXX  when these multiple charges for the same engine problem has affected my credit rating paying for car payments and multiple service visits at the same time. Along with rental car charges and inconvenience.
Consumer complaint received 2021-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (PA)

According to TILA ( Truth in Lending Act ) 15 U.S.C.1602 ( L ) this company has used my Credit Card to create a report on me regarding my reputation as a consumer without my authorization or approval assuming a vital role that they were not asked to obtain identified by congress under Title 15 U.S.C. 1681 ( a ) ( 3 ). They have committed many Unauthorized Uses of my Credit Card as well as invaded my privacy as a consumer with the furnishing of accounts that are inaccurate which does not provide a benefit for i the consumer under Title 15 U.S.C.1602 ( p ). This company also furnished the accounts without written instruction form the consumer or a judgement of competent jurisdiction violating Title 15 U.S.C. 1681b ( a ) ( 1 ) & ( 2 ) .This company has also furnished my information to third parties without direct authorization to do so causing 59 inquiries to show in the report not connected to accounts directly damaging my reputation as a consumer and directly violating Title 15 U.S.C. 1681n ( b ) ( 2 ). According to the FCRA ( Fair Credit Reporting Act ) the contents of these accounts are considered exclusions of a consumer report under Title 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ) as well as violations of the treatment of credit balances under Title 15 U.S.C. 1666d of the above mentioned TILA ( Truth in Lending Act ). I have yet to receive any validation of the alleged debts connected to these accounts under the FDCPA ( Fair Debt Collection Practices Act ) from the reporting agency nor the alleged creditor who reported the accounts to the agency pursuit to Title 15 U.S.C. 1692g. This company has caused me great hardship as a consumer with the damage to my reputation as well as the violation of my privacy. Congress finds there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy pursuit to Title 15 U.S.C. 1681 ( a ) ( 4 ).
Consumer complaint received 2023-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : XXXX XXXX XXXX. Please repair and update immediately.
Consumer complaint received 2023-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (LA)

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX I had got an email from my XXXX account a few months ago saying it was a security breach, shortly after I got a note in the mail from XXXX XXXX XXXX XXXX, then XXXX XXXX mail came, a few weeks later XXXX XXXX mail came. All notes were declines for a credit card or loan I didn't do. These are affecting my credit score and need to be removed.