davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-03
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Filed for bankruptcy
Company: AMERICAN EXPRESS COMPANY (CA)

I explained why I could not pay any minimum payment to this credit card company. Yet I received robo calls even after blocking them. I also keep receiving emails but can not unsubscribe from them. I asked them via email to cease and desist. 

I have a Delta American Express card as well as a XXXXXXXX XXXX  American Express card.
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Exeter Finance, LLC. (WI)

I made an application to refinance my car and authorized the company XXXX to make a hard inquiry in my credit report but they pulled 3 hard inquiries in my credit report and also shared my information with 3 different banks, this will affect my credit a lot, I did not authorize them to do 3 hard inquiries in less than 2 days, this is a lack of respect for consumers.
Consumer complaint received 2024-07-29
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: Westlake Services, LLC (GA)

I mailed a certified letter to this debt collector on XX/XX/year> disputing an incorrect account reporting on my report. I asked for specific items to validate the account is mine and I have not received anything that validates this account is mine and that I am the rightful party that the debt belongs to. I also mailed a letter to all 3 credit bureaus ( XXXX, XXXX XXXX XXXX ) on XX/XX/year> asking them to investigate this account for me & get back to me within 15 days and I have not heard anything back from the debt collector nor the credit bureaus. I would like to have this account investigated and if the account can not be validated, I would appreciate it if it were deleted from my report as the law states it should.
Consumer complaint received 2024-07-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: FIRST PORTFOLIO SERVICING INC (OH)

I DONT RECOGNIZE THIS CREDIT REPORTING PARTY WHICH IS XXXX  XXXX XXXX, never did business with, notwithstanding the FACT that the information is incomplete, inaccurate, incorrect payment history 15 usc 1681 ( b ) insured maximum accuracy of the furnisher. Never received any proof of debt, please re-investigate this mis information the FCRA states the furnisher to report complete and accurate information
Consumer complaint received 2024-07-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (FL)

XX/XX/year> XX/XX/year> XX/XX/year> I sent several goodwill adjustment letters for late payment removals. 

Dear, XXXX XXXX XXXX  I am writing to inform you about Section 602 of the Fair Credit Reporting Act, as outlined in 15 U.S. Code 1681. This section addresses the permissible purposes for which consumer reporting agencies may furnish consumer reports.

Under Section 602, consumer reporting agencies are only allowed to provide consumer reports to entities that have a legitimate business need for the information. These permissible purposes include evaluating a consumer 's creditworthiness, making decisions regarding credit or insurance applications, and conducting employment background checks.

In addition, I would like to draw your attention to Section 605b of the Fair Credit Reporting Act, which requires consumer reporting agencies to provide consumers with a summary of their rights under the law. This summary must be included with any adverse action notice or when a consumer requests their credit report. 

If you have any questions or concerns about how your credit information is being accessed or used under Section 602 or Section 605b of the Fair Credit Reporting Act, please feel free to contact me for further assistance. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-07-28
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: SANTANDER HOLDINGS USA, INC. (GA)

Ive had my XXXX XXXX XXXX since XX/XX/XXXX. Due to financial hardship and me being a contract worker I requested at least XXXX or XXXX of my payments be put on the back end of my loan. I was instantly denied and I asked to speak to a supervisor I was denied that. I had to call back XXXX more times and was finally able to speak with a supervisor who was not only rude, but didnt even notate my account of why I couldnt make my payments on time. I asked to speak to the executive office and was denied that, but yet the executive office called me when I made a complaint against them. I really find it hard to believe that they cant help me push at least XXXX of my car notes to the very end of my loan. This company is very unprofessional, extremely rude, and will not help you at all
Consumer complaint received 2024-07-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AES/PHEAA (OH)

In accordance with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 a section 2. It also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit account under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2024-07-28
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (GA)

XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Formal Complaint Regarding Violations of Federal Debt Collection and Credit Reporting Laws Dear Sir/Madam, I am writing to file a formal complaint against JEFFERSON CAPITAL SYSTEM for violations of federal laws governing debt collection practices and credit reporting. I believe my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) have been infringed upon. The specific regulations that have been violated are as follows : 1. 12 CFR 1006.34 ( b ) ( 5 ) : According to this regulation, debt collectors are required to provide specific information regarding the debt, including the name of the creditor to whom the debt is owed. In my case, JEFFERSON CAPITAL SYSTEM failed to provide this information, which has left me unable to verify the legitimacy of the debt.

2. 12 CFR 1006.34 ( c ) ( 4 ) ( i ) : This section mandates that debt collectors must provide information about my right to dispute the debt. JEFFERSON CAPITAL SYSTEM did not include this critical information in their communication with me, thereby depriving me of my legal right to dispute the debt within the 30-day period.

3. 12 CFR 1006.34 ( d ) : This regulation requires debt collectors to send a written validation notice within five days of their initial communication with me. JEFFERSON CAPITAL SYSTEM did not send this notice, which is a clear violation of my rights under the FDCPA.

4. 15 USC 1681-S 2 ( 7 ) ( A ) : Under the FCRA, specifically this section, furnishers of information to credit reporting agencies must correct and update information to ensure its accuracy. Despite my repeated requests, JEFFERSON CAPITAL SYSTEM has failed to correct the inaccurate information they reported to the credit bureaus, negatively affecting my credit score and causing undue harm.

Given these violations, I request the CFPB 's immediate intervention to ensure that JEFFERSON CAPITAL SYSTEM complies with federal laws. I also seek the removal of the erroneous information from my credit report and appropriate remedies for the distress and financial harm caused by these unlawful practices.

Please find attached copies of all relevant correspondence and documentation to support my complaint. I am available for any further information or clarification needed to expedite the resolution of this matter. 
Thank you for your prompt attention to this serious issue.
Consumer complaint received 2024-07-28
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION (TX)

I just obtained a job as a XXXX  at a XXXX XXXX XXXX. I am not making a whole lot of money. Sallie Mae my student loan servicer is making me pay {$1400.00} each month. My parents are both over XXXX XXXX XXXX and have very critical XXXX XXXX. My father survived a XXXX XXXX, my mother survived a XXXX few years ago. I am the only one who is taking care of my parents. 
Besides that, I have other financial responsibilities to deal with and I am very stressed out about the situation.
Consumer complaint received 2024-07-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc. (MO)

This company is holding on to money I received for XXXX XXXX XXXX I provided. They are holding my money for an unexplained reason and undisclosed amount of time. When I spoke to a representative they advised it could possibly be related to identity verification but they are unsure of the exact reason. I asked the representative to provide a copy or location of their identity verification policy and the representative hung up on me. I tried using the chat and eventually the representative become unresponsive. I want my money ASAP. You cant just steal my money I will be fine evicted as a result of this and forced to close my business.
Consumer complaint received 2023-10-02
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: Experian Information Solutions Inc. (TX)

Despite previous written request, the unverified accounts listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc. (FL)

I received XXXX Hard Inquiries from COMENITYCAPITAL/XXXX, XXXX XXXX XXXX, XXXX, OH XXXX on my XXXX report XXXX XX/XX/2023 which i did not apply for. Due to these inquiries it also changed credit reporting address to XXXX I have not resided in for over many years. I filed a dispute for the pull with XXXX and they closed it in less than XXXX hours reporting ( INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE XXXX CREDIT FILE XXXX YEARS FROM THE REPORTED DATE OF THE INQUIRY. Inquiry Date : XX/XX/2023 CR XXXX EIS/ ). I tried getting ahold of Comenity capital and I was hung up on XXXX time to find out who requested this credit pull. XXXX told me to get a hold of the creditor and I did not apply for this credit nor to I have an account them. I currently have a dispute to have my credit address changed to my correct address. I don't know what else to do to get this off my report.
Consumer complaint received 2024-07-28
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (MT)

I submitted a complaint already ( XXXX ). That was upheld and they credited one fee back to my account. There is another fee outstanding. I contacted chat again and they again gave the incorrect info I was already given that auto save wasnt set up and that they cant reimburse me. So now Im making another complaint
Consumer complaint received 2024-07-28
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Southern Auto Finance Co (UT)

I am writing to formally lodge a complaint against Southern Auto Finance Company ( SAFCO ) regarding the usurious interest rates and predatory lending practices that have severely impacted my financial stability over the past XXXX years. 

Loan Details : Lender : Southern Auto Finance Company ( SAFCO ) Interest Rate : 18.33 % per annum Loan Type : Auto loan Contract Date : XX/XX/XXXX Loan Amount : {$21000.00} Account Number : XXXX Background : In XX/XX/XXXX, I entered into a retail installment contract with SAFCO for the financing of a XXXX XXXX XXXX. The contract specified an annual interest rate of 18.33 %. At the time, I was unaware that this interest rate exceeded the maximum permissible limit under Florida usury laws. 

Legal Violations : Usurious Interest Rate : According to Florida Statutes, the maximum permissible interest rate for loans up to {$500000.00} is capped at 18 % per annum. SAFCO 's imposition of an 18.33 % interest rate is a clear violation of this legal limit ( XXXX XXXX. XXXX ). 
This usurious rate has resulted in excessive interest charges, exacerbating my financial difficulties. 

Usurious Interest Rate : According to Florida Statutes XXXX, the maximum permissible interest rate for loans up to {$500000.00} is capped at 18 % per annum. SAFCO 's imposition of an 18.33 % interest rate is a clear violation of this legal limit. 
The case XXXX XXXX XXXX, XXXX So. XXXX XXXX ( XXXX XXXX XXXX XXXX ), clarifies that charging an interest rate above 18 % on loans of {$500000.00} or less constitutes usury. This usurious rate has resulted in excessive interest charges, exacerbating my financial difficulties. 
Predatory Lending Practices : SAFCO 's predatory lending practices have included failing to adequately disclose the true cost of the loan and imposing unjustifiably high interest rates. These practices have caused significant financial and emotional distress. 
Impact on My Life : Over the past XXXX years, SAFCO 's actions have devastated my financial situation. The excessive interest rates have made it impossible to keep up with payments, leading to financial instability, damaged credit, and emotional stress. Despite my best efforts, I have struggled to meet my financial obligations due to the oppressive terms of the loan.
Consumer complaint received 2024-07-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (LA)

I requested {$300.00} on Venmo to my mom. My account was on frozen. Everything is fine. As soon as I received the {$300.00} Venmo froze my account with no reason why no one can tell me what happened or why. Im stuck in Arkansas with my children, and that was the only excess to money that I have. I can not feed my children. Ive been dealing with this since last Friday and now theyre telling me its gon na be another 3 to 5 business days on Monday. I do not know what to do this is extremely important, please help
Consumer complaint received 2024-07-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC. (UT)

I am writing to file a formal complaint regarding inaccurate information on my credit report and discrepancies in the payment history of an account with Santander Consumer USA. The details are as follows : Creditor : Santander Consumer USA Current Balance : {$16000.00} Discrepancy : The account is reported as charged off with a balance of {$16000.00} as of XX/XX/XXXX. 
Charge offs must reflect a {$0.00} balance since it was written off and 1099-c distributed.

Additionally, the payment history provided by Santander shows inconsistent balance reductions despite regular and extra payments. 
For instance : XX/XX/XXXX : The balance was {$22000.00} with a payment of {$990.00}. 
XX/XX/XXXX : The balance was {$22000.00} after a {$500.00} payment, which should have resulted in a lower balance. 
XX/XX/XXXX : The balance was {$21000.00} after a {$1000.00} payment, which was not accurately reflected. 
XX/XX/XXXX : The balance was {$22000.00} despite multiple payments, indicating that total payments were not effectively reducing the balance. 

Despite my efforts to dispute this information, the credit bureaus and Santander have failed to correct it.
Consumer complaint received 2024-07-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Southern Auto Finance Co (UT)

I am writing to file a formal complaint regarding inaccurate information on my credit report concerning an account with SAFCO. The details are as follows : Creditor : SAFCO Account Number : XXXX Current Balance : {$16000.00} Discrepancy : The account has been reported with inconsistent past due amounts, ranging from {$16000.00} in XX/XX/XXXX to {$16000.00} in XX/XX/XXXX. Additionally, despite the account being charged off, the balance is not reflecting {$0.00}. The payment history from SAFCO shows a significantly lower remaining balance compared to what is reported on the credit report, indicating a clear inconsistency. 
Despite my efforts to dispute this information, the credit bureaus and the creditor have failed to correct it, I have attached a screenshot where at the bottom it shows the reinvestigation comment.
Consumer complaint received 2024-07-28
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (GA)

I received an electronic American Express gift card as a present in the amount of {$250.00}. 
I am unable to use it at any retailer. 
The retailers tell me its because its not associated with my personal information and the bank declined payment. 
Ive attempted to use this card numerous times to no avail.
Consumer complaint received 2024-07-28
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (IL)

I set up my Macys account to automatically pay the minimum due. The first two payments were fine but then they started withdrawing XXXX payments a month and not crediting these payments to my Macys account. ( see page 3 for a list of dates and payments ) I first called and disputed the charges in XXXX. They asked me to send them a copy of my bank statement. I first faxed and then mailed it. I received an call after that. First they asked me to get an ach report on these payments. I called my bank ( chase ) and was told only the requesting bank can supply that. Which would be Macys or Citibank. So I called Macys and was told I needed a transmittal report. I called chase and they had never heard of such a report and had no further information they could provide me to give Macys. They said my bank statement should be all they need. There has been XXXX payments withdrawn from my checking account that were never credited to my Macys account totaling over {$270.00}. I have spent 5 months jumping through hoops for macys only to have my dispute claims repeatedly closed with no resolution! 
I just received a voicemail from Macys asking me to provide them with the information on where this money went! How can I possibly provide them with information the only have access to?
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations
Consumer complaint received 2024-07-28
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (PA)

I noticed a collection being reported on my consumer report by this company with account number being XXXX. However I have never received an initial communication from this company at all which violates both Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). In order to furnish information on a consumer report, a debt collector must first have verifiable information and they must verify this information with the consumer to whom it relates by first providing an initial communication or else they would violate the FDCPA. I however did NOT receive such notice making this information unverifiable and the furnishing of this information unjustifiable. I demand that this agency provides valid proof that they have sent me the notice by providing a certified green return card with my signature and the shipping number of the notice. Additionally, I demand that they answer the attached dispute letter line by line in order to both verify this information. If they can not provide all requested information then I demand that this company cease all reporting immediately as the attached letter states. Lastly, pursuant to 15 U.S. Code 1692g ( c ) failure to dispute the validity of a debt does NOT mean admission. How can I, the consumer dispute this alleged debt when I never received a notice?
Consumer complaint received 2024-07-28
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

I went to a Chase ATM at around XXXX, i deposited XXXX into my savings account and its been more than an hour and it has not cleared in my account. I have tried calling the bank and customer service isnt available. Dont know what else to do, that was all my money and now I cant access it.
Consumer complaint received 2024-07-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: PENTAGON FEDERAL CREDIT UNION (AZ)

I deposited XXXX At the XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX  at penfed they close my account in kept my money i never got my money back
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I have been a victim of identity theft. My information was used fraudulently and as a result I am seeing items on my report that I never was associated with. I filed a police report and ftc report as I was instructed to by Experian. I have sent in this report but these fraudulent items still remain.