davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (CA)

I recently realized that on my car loan ( Acct # XXXX ) excess monthly payments were not being applied to the principal, but rather pushing back the due date for my monthly payments. Currently I do not have a payment due until at least XXXX by their accounting. When I realized I called on XXXX and was told that I should have been requesting this to be done monthly via a phone number. This phone number and this policy are not stated on the website. The person I spoke to said they would apply the extra payments and I should see it in XXXX days. 

When this did not happen I called back again on XXXX, this time I was told they have a policy where payments over 6 months old can not have their excess applied to principal. They were unable to give me an accounting of how much money was excess and paid more than 6 months ago. I was told they would make an exception and apply the excess payments, and that I should see it reflected in XXXX days. It did not happen. 

I called back again on XX/XX/year>, explained that I was not able to get an accurate payoff quote due to past payments not being applied in full. I was told that I would be transferred to a supervisor and my complaint would be logged. I was left on hold for XXXX minutes before hearing a recording saying that the call would be dropped. 

I believe Hyundai Financing has somewhere between $ 2000- {$3000.00} of mine that they consider to be excess payments from more than 6 months prior. This is costing me extra interest due to the way Hyundai is processing this. I do not believe they are accurately accounting for this in my payoff requests. And I do not know if their policy of refusing to apply payments I have already made immediately is legal.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-10-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Fay Servicing, LLC (IN)

Applied and accepted modification in XX/XX/year>. Made three promissory payments. It was unclear on when paperwork was due. Failed to return it on time. Was told that I need to reapply. Finances and income are the exact same. They now say I have no options but foreclosure because I have had too many modifications. Also they say that Im not eligible for forbearance because its not fema. They asked for proof of bank statement and then denied me before the due date of when it was due. I worked with hud counselor and she couldnt reason with them either. Since then I have had a major medical issue and will be getting a settlement for a severe XXXX XXXX XXXX. But dont want to loose my home before then. Havent received foreclosure info yet. The amount of reinstatement keeps changing as well. I have documents showing all of this. 
My original hardship was from divorce last XXXX.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Shellpoint Partners, LLC (SC)

There is a mortgage on my credit report from my Ex-spouse. I have provided documentation to both XXXX and Shellpoint-New-Rez proving this. They refuse to remove it from my credit report. Previously companies have honored the court order and removed it anytime it has surfaced through sales/transfers of the loan ( not in good standing ) This company refuses to do so.
Consumer complaint received 2024-10-15
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Resurgent Capital Services L.P. (MI)

DEBT VALIDATION LETTER XX/XX/year> Dear, This letter is being sent to you in response to : XXXX - Notice sent to me on XX/XX/year> XXXX Response to a listing on my Credit Report. 
Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested.

This is NOT a request for verification or proof of my mailing address, but a request for VALDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you.

At this time, I will also inform you that if your office have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent. I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act. Violation of the Fair Debt Collection Practice Act, and Defamation of Character. 
If you offices are able to able to provide the proper documentation as requested in the following Declaration. I will require at least 30 days investigating this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or in invalidated. 
If your office fails to respond to this validation request within 30 days from the date of your receipt all reference to this account must be deleted and completely removed from my credit file and copy of such deletion request shall be sent to me immediately. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (MI)

I am writing to formally dispute the presence of unauthorized and inaccurate accounts and inquiries on my credit report, which I received on [ Date of Credit Report ]. After a careful review, I have identified multiple accounts and credit inquiries that I did not initiate, authorize, or recognize. These entries appear to have been added to my credit report in error or as a result of fraudulent activity. The inclusion of these erroneous items has unfairly impacted my credit score and overall financial standing. This matter is causing significant concern, as my credit history is being unjustly damaged by information that is neither accurate nor reflective of my true financial activities. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: GOLDMAN SACHS BANK USA (IL)

Dear Consumer Financial Protection Bureau, I am writing to urgently request your intervention regarding an error on my credit report related to my Apple Card, managed by Goldman Sachs. This error has severely impacted my credit score, affecting significant life events. 

I recently purchased an XXXX XXXX XXXX, opting to finance the {$1000.00} cost via a 2-year installment plan through Apple Card. However, due to an initial error by Apples customer service, the full amount was charged as a one-time transaction, erroneously showing my card as maxed out. I immediately contacted Apple Card services to rectify this, and was repeatedly assured that the issue was resolved, with the charge now correctly showing as an installment plan. 

Despite these assurances, my credit report suddenly reflected an XXXX drop, inaccurately indicating a maxed-out card. This is in stark contrast to my excellent payment history, 35 % overall credit utilization, and no other maxed-out cards. The incorrect credit report has already negatively affected my ability to secure an apartment rental and pursue car financing. 

The urgency to correct this mistake can not be overstated, as it jeopardizes my financial stability. I have included all relevant documentation and correspondence with Apple Card customer service as evidence. Should this error not be rectified promptly, I am prepared to pursue legal action to defend my rights. 

I appreciate your immediate attention to this matter and look forward to your swift action to help correct this critical reporting error.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments 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.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2024-10-15
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Credit Control, LLC (CA)

Company : Credit Control , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Phone : XXXX XXXX *Summary of Complaint : * XX/XX/year>, a debt collector from Credit Control , LLC , identified as XXXXXXXX XXXX , contacted my workplace and publicly disclosed my financial difficulties in my employer 's presence. This communication was unsolicited and caused me embarrassment and distress. 

Despite my verbal notification to XXXX XXXX that I felt harassed and requested that they discontinue workplace calls, he insisted that Credit Control , LLC was legally entitled to contact me at my workplace. 

*FDCPA Violations : * - 15 USC 1692c ( a ) ( 2 ) : Contacting me at my workplace after I requested not to.

- 15 USC 1692d : Harassing, oppressing, or abusing me.

- 15 USC 1692e : Making false or misleading representations.
Consumer complaint received 2024-10-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (NJ)

I use chime online mobile banking. I received a check from my XXXX which was a loan and the check was drawn from XXXX XXXX XXXX. I deposited the check and they only released {$200.00} of the {$950.00}. They told me I had to wait until XX/XX/XXXX to get the remainder of {$750.00}. They refused to release this money and continue withhold my money. This occurred on Friday XX/XX/year>. I attempted to speak with them regarding this several times and requesting a release the funds because it was drawn from a reputable Bank, XXXX XXXX. They told me I had to wait a week and I needed this money for a specific reason and they refused to budge. Hey just ignored my request and plea for my money to be released. It should not take over a week for a check to clear that was drawn from XXXX XXXX XXXX.
Consumer complaint received 2024-10-13
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IN)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Portfolio Recovery XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : Validation Required XXXX XXXX XXXX Re : Account # XXXX  To Whom It May Concern, I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). 
* Provide breakdown of fees including how you calculated what you claim I owe. 2 Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt * Cease any credit bureau reporting until debt has been validated by me as required under theFCRASend me proof that you are licensed to collect debt in my state. 
: Send this information to my address listed above and accept this letter-sent as my formal debt validation request, which I am allowed under the FDCPA. 
I will await your reply with the above requested proof. Upon receiving it, I will correspond back w you. 
Sincerely. 
XXXX XXXX
Consumer complaint received 2024-10-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (WA)

Chase bank I sent money by cashiers check from my business account to rent a house. XXXX checks total. I found out it was a scam XXXX days later. I called bank to see if they can flag or put a hold on that account and reported it as fraud. They would not even after checking with manager. They told me law enforcement would have to call and do that. I called XXXX and after waiting a few hours I was able to finely get a return call from an XXXX who would not do anything until I investigated the matter myself further. He called it a civil matter until I figured out who owner was and that there was no partner who I could have dealt with.
Consumer complaint received 2024-10-13
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (IL)

VALIDATION AND CEASE AND DESIST Re : Dear Sr : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account # : XXXX I received a debt collection letter from you. Do you have the right person? Can you supply me with a contract or agreement signed with your company or the Creditor. 
PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THAT YOU CLAIM IS OWED. 
ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR PLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINAL CREDITOR TO THE SECURED TRUST AND THEN BACK TO THE ORIGINAL CREDITOR PLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOU HAVE VALIDATED THE DEBT. 
Please do not look at my credit report or report anything to my credit I dispute I owe this debt amount to you and that dispute should be stated on my credit report if you have reported this debt. 
PERMISSABLE PURPOSE Please State why you have a permissible purpose to contact my credit. I dispute this. IF YOU PASS THIS ON TO ANOTHER COLLECTOR I dispute I owe this debt to you. If you pass this on to another debt collector, please provide them notice of my dispute to owing this debt. Thank you for your immediate cooperation. 
the ___ __________________________
Consumer complaint received 2024-10-13
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)

Portfolio Recovery Associates garnished my checking account for a XXXX XXXX XXXX credit card debt. I have never heard of this company, nor have I ever had any type of credit with them. The debt is from XXXX.
Consumer complaint received 2024-08-31
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. (MN)

I Reviewed my Consumer Reports and noticed that I had Ten payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account XXXX XXXX XXXX XXXX XXXX Please investigate and provide Proof With statements showing that these payments were late, If proof can't be provided, I demand these payments be updated to on time as they should be as I was Never late. Thanks
Consumer complaint received 2024-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

Date of Birth : XX/XX/year> Last 4 SS # : XXXX Credit Reporting Agency : Equifax XXXX XXXX To Whom it May Concern, Account name : XXXX XXXX I received a copy of my credit report. To my surprise, the credit reporting agencies are reporting this account incorrectly. This account is not only being reported as in collections, but also shows a past due balance of XXXX, and while reflecting XXXX ( zero ) late payment. Additionally the utilization percentage is also inaccurate as a 40 % of {$300.00} = {$420.00} not {$420.00} as reported by the past due balance According to the FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account remove upon completion. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-15
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP (CA)

The attached letter requests the signed version of the allonge that was not provided in my paperwork at the time of closing. It is believed that there are many forms that Paramount Residential Mortgage Group did not provide me at closing and possibly signed after the closing of my mortgage without me present therefore causing a breach of the mortgage contract. I am asking the CFPB to intervene in this matter and promote Paramount Residential to provide me ALL forms that were signed after the closing of my mortgage.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Southwest Credit Systems, L.P. (MD)

Dear Sir or Madam, I am writing to formally dispute XXXX collection accounts that appear on my credit report. I believe these accounts contain inaccurate information and violate my rights under the Fair Credit Reporting Act ( FCRA ). 

According to Section XXXX ( a ) ( XXXX ) of the FCRA, XXXX debt collector is prohibited from misrepresenting the identity of the creditor, specifically stating that they are the original creditor. In reviewing my credit report, I found that the collection agencies for the following accounts have inaccurately stated that they are the original creditors : Southwest Credit Systems XXXX XXXX XXXX XXXX XXXX XXXX XXXX These misrepresentations not only violate the FCRA but also harm my credit standing and my ability to secure future credit. Therefore, I request the immediate removal of these accounts from my credit report due to this illegal activity. 

I have attached the relevant documentation regarding these collection accounts for your review. 

Thank you for your attention to this matter. I look forward to your prompt response and the resolution of my dispute. 


Attachments : XXXX Documentation
Consumer complaint received 2024-10-11
Product: Debt collection — Rental debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Consumer Collection Management. Inc (IL)

Reservers at XXXX management Apartment property lease broken and received no written notification of the bill going into debt collection. I attempt to make payments and payments were cashed for the checks I submitted payment for the bill. After my attempt was made to make payments for the debt remaining on the bill for the broken lease the credit reported no attempt to make payments and my bill was submitted to a debt collection agency.
Consumer complaint received 2024-10-12
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL (NM)

I got a letter from Synchrony Bank about a credit request from Lowe 's. It wasn't approved but I never applied for any type of credit from Lowe 's. It happened on XX/XX/year> and I got the letter on XX/XX/year>.