davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (LA)

To Whom It May Concern : I recently reviewed my credit report and noticed multiple unauthorized inquiries made by various companies around XXXX and XXXX of XXXX. These inquiries were not authorized by me and constitute violations of the Fair Credit Reporting Act ( FCRA ) Section 1681b ( c ). These unauthorized inquiries represent a significant breach of my privacy rights. 

On XX/XX/XXXX, I sent letters to each company involved, requesting proof of my signed authorization within five business days to verify the legitimacy of these inquiries. Although I requested the information in five ( 5 ) business days, I have allowed a 30-day response period, and still have not received any replies. 

Moreover, there are discrepancies in how these inquiries were reported across different credit bureaus, further demonstrating the inaccuracy and unauthorized nature of these entries. 

XXXX XXXX XXXX Inquiries : On XX/XX/XXXX, my XXXX report lists an inquiry from XXXX XXXX with an address in XXXX, MN. However, my XXXX report shows the same inquiry on the same date but with a different address in XXXX, MI. Additionally, my XXXX report shows two inquiries from XXXX XXXX with different addresses, all on the same date. This inconsistency is unacceptable and warrants immediate removal from my credit report. 

XXXX. XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, my XXXX report listed an inquiry from XXXX XXXX XXXX XXXX XXXX XXXX, LA. However, my XXXX report shows an inquiry from XXXX XXXXXXXX XXXX with the same address and date. The discrepancy in business names is indicative of inaccurate reporting and must be rectified promptly. 

XXXX. XXXX Inquiries : On XX/XX/XXXX, my XXXX report lists an inquiry from XXXX in XXXX, TX. Conversely, my XXXX report shows an inquiry from XXXX on the same date but with a different address in XXXX XXXX, SD. This inconsistency undermines the integrity of my credit report and necessitates its removal. 

I request that the Consumer Financial Protection Bureau investigate these unauthorized and inconsistent inquiries and take the necessary action to have them removed from my credit report. This correction is crucial to ensuring the accuracy and integrity of my credit information.
Consumer complaint received 2024-10-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc. (TX)

EASTERNACCOS - XXXX Re : Cease and Desist Notification Dear EASTERNACCOS This letter is to formally notify you to immediately cease and desist from unlawful activity, e.g., harassment, defamation, copyright infringement, etc. Your actions, as outlined below, are in violation of 15 U.S. Code 1692c - Communication in connection with debt collection, and failure to comply may result in legal action. 

On XX/XX/year> this was reported on my consumer report. 


Dispute of the Debt : I dispute the validity of the alleged debt. Under the FDCPA, you are required to provide written verification of the debt, including the original creditor, the amount owed, and any supporting documentation. I request that you provide this documentation within 30 days of receiving this letter. 

Cease All Communication : In accordance with the FDCPA, I request that you cease all communication with me regarding this debt. You are prohibited from contacting me, my family, or my employer by phone, mail, or any other means. Any further communication must be in writing and only to provide the requested validation of the debt or to notify me of specific legal actions you intend to take. 

Please verify this and remove inaccurate from my consumer report immediately. 


You are hereby ordered to stop these activities immediately. Failure to do so within 30 days will result in legal consequences, which may include seeking damages, an injunction, and any other remedies available under the law. 

This letter serves as a formal demand to cease these actions immediately. It does not waive any rights or legal remedies that may be pursued in the future, all of which are expressly reserved.
Consumer complaint received 2024-09-20
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Pay Later Group INC (FL)

Complaint against XXXX, Pay Later, XXXX XXXX and merchant ; XXXX XXXX, hired Trial lawyer for a 2 day Trial that I have a {$24000.00} loan for on a service that did not take place and service was not provided. 

On XXXX I consulted and retained XXXX XXXX for my high conflict dissolution of marriage. He offered me a payment plan. As I pursue signing his payment plan, I discover his payment plan wasn't really that ; it was actually a Pay Later through XXXX XXXX XXXX. So XXXX XXXX is paid in full, his money up front and I make payments to XXXX Pay Later, XXXX XXXX 

As attempting to sign ; I kept running into difficulties. On XXXX I learned XXXX XXXX took it upon himself to get loan squared away with XXXX, Pay Later, XXXX XXXX and successfully I now have a {$24000.00} loan for XXXX XXXX on XXXX & XXXX. I had been awaiting this scheduled trial for XXXX years since I filed for divorce. This 2 day Trial ended up NEVER taking place. 

I reached out to XXXX XXXX asking if he would kindly consider refunding me as Trial never took place. XXXX XXXX refused ; with two attempts from me. I paid an outrageously high price for service that did not take place and service was not provided. 

XXXX  Pay Later, XXXX XXXX is aware of my situation and told me they can not do anything and to contact Merchant, XXXX XXXX. Acting as merchants middle man, preventing any sort of recourse ; it's a back forth game of " talk to your merchant '' ; in which the merchant has clearly already disagreed to any sort of refund. The merchant leaves me with an immoral loan amount to a single Mother who has already had everything stripped from her due to misrepresentation AND a 2 day trial that did not happen that I paid him for in advance through a loan. 

I am seeking help for righteousness, preserving my good credit and truth of this immoral operation of business at XXXX Pay Later, XXXX XXXX and the merchant, XXXX XXXX. I am obligated to a XXXX XXXX monthly payment for a service that did not take place and service was not provided, with refusal on any just in this commitment of fraud ; pure insanity and thieves. 

While I agree and understand bare minimum use of his service was used ; I should only be paying for just that. I should not be held liable on a loan amount in which Trial did not take place and service was not provided. This makes the signed agreement of no refunds void and null based on a contract of duty for a 2 day Trial that DID NOT TAKE PLACE.
Consumer complaint received 2024-09-13
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: The Law Firm of Derek Williams, LLC d/b/a Infinite Law Group (FL)

My name is XXXX XXXX XXXX, XXXX XXXX/XXXX/XXXX, I had XXXX XXXX XXXX XXXX that put us in a position where we had to consolidate our debts into one company and get things back in shape, We started out paying {$460.00} per month in XX/XX/XXXX, in XX/XX/XXXX they change names and proceeded to let us know that the payments to them will change, from {$50.00} some dollars per month to another pay schedule, we have tried to contact them for over a year, we started with Infiniti Law, my Attorney was Infinite money Services Attorney in XXXX, XXXX I have her cell #, she advised mentioned some legal help and she is no longer with the company, I have card my creditors like XXXX  XXXX, they said they were paid {$15.00} x XXXX {$75.00} on almost {$2000.00}, they have giving us another card and advised us to ge a hold of our Florida Staye Attorney XXXX  XXXX thats why im communicating to you from XXXX  office advisor, I have called XXXX  of times and sent numerous emails with no responses, Im gon na send you some email that maybe can be explained, no one else seems to be able to. 
Thank You for being there! 
XXXX
Consumer complaint received 2024-09-12
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: Shellpoint Partners, LLC (NJ)

My mortgage was transferred from one mortgage company to the next ( NewRez- a subsidiary of Shellpoint Mortgage. ) When the current servicer put the details in my account page, there was a random fee of XXXX. I think this is one of those nuisance fees companies stick on accounts hoping people will pay them to make them disappear. 

Their representative stated it was an inspection fee. No inspection was done on my home. No came to inspect my home. No one informed me that an inspections was to be performed on my home. No one told me there would be a fee. No letter explaining the fee was sent to me. No communication of any type was sent to me other than that my loan would be transferred on a certain date which included the address and website for submitting payments. I have never missed a payment or been late with a payment. I asked NewRez to waive the fee as a courtesy and the said no. So I want the fee waived because on one should be able to stick a fee onto a contract/Mortgage without consent.
Consumer complaint received 2024-09-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

I had a Checking account with Chase Bank- Someone hacked into my account and made about 23 false claims. Once the claims were placed Chase without question reversed all the payments, which increased my bank account balance. The hackers then took the money out of the bank account through my XXXX XXXX account, which is linked to my bank, which they also hacked into and sent the money to about 5 people. 
Chase told me they were not responsible and to talk to XXXXXXXX XXXX. XXXX XXXX denied my claim for no good reason but because it looks like i made the transactions. But it was my account so of course it looks that way. 
I feel chase is responsible for this because it started with my bank account. How is any random person able to make false claims on monthly payments that I make to, Rent, Car payment, XXXX XXXXXXXX XXXX, credit card payments. Chase said claims can go back as far as 2 years. Thats ridiculous! They need a better system especially on claims for monthly payments- these should be flagged immediately. the total of this money was about {$13000.00}. I now had to pay back all my creditors this money which i do not have. I am not in a financial hardship. Its hard enough being a single mom and now this!!! 
I hope you can help me
Consumer complaint received 2024-09-27
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: LEXISNEXIS (MI)

I am assuming you are the proper XXXX XXXX XXXX affiliated with corrupt vp XXXX XXXX and XXXX. XXXX XXXX of XXXX XXXX XXXX  in the same community that prior to any conflict with my mortgage broker chase YOU paid my taxes in XXXX XXXX XXXX  and Why? 

Whatever action of all involved would be fraud in support of illegal XXXX immigrant XXXX XXXX XXXX fake XXXX XXXX and XXXX a fake doctor I reported as XXXX to XXXX. Stole my identity under my loan XXXX using a fake loan from XXXX XXXX of XXXX XXXX XXXX as XXXX for XXXX and then cash XXXX chase escrow account checks at XXXX XXXX XXXX XXXX and reported Forgery to XXXX XXXX XXXX XXXX as XXXX. 

XXXX  announced XXXX  - XXXX XXXX  Resolve date XXXX. 

XXXX confirmed my loan XXXX paid in full XXXX around XX/XX/year>. Includes XXXX  XXXX # XXXX So explain why did you pay taxes at XXXX XXXXXXXX XXXX XXXX XXXX XXXX?
Consumer complaint received 2023-10-03
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: EQUIFAX, INC. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely UPDATED : 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 2024-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mercedes Benz Financial Services (CA)

Inaccurate reporting of a charge-off and an extended period of late payments on my credit report. This reporting is not only inaccurate but also a violation of my rights under federal consumer protection laws, specifically the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

In addition to the inaccurate charge-off, this account has been falsely reporting over a years worth of late payments, dating back to XX/XX/year>. This is a clear misrepresentation of my account status, and such erroneous reporting has continued to severely damage my creditworthiness. The repeated inaccuracy violates the FCRA, which mandates that all information reported to consumer credit agencies must be truthful, accurate, and verifiable. 
Violations of Consumer Law As previously mentioned, the charge-off in question is being inaccurately reported. The furnisher 's failure to verify and correct this information upon my prior disputes violates Section 611 ( a ) of the FCRA. 
The continuous reporting of over a year 's worth of late payments from XX/XX/year> is false. Under Section 623 ( a ) of the FCRA, furnishers are required to report accurate and complete information. Failing to correct these erroneous late payments also constitutes a breach of this obligation. 

Fair Debt Collection Practices Act ( FDCPA ) Violation : If the entity reporting this information is acting as a debt collector, reporting false charge-offs and late payments constitutes a deceptive practice under Section 807 of the FDCPA ( 15 U.S.C. 1692e ). Such practices are illegal and harmful to consumers. 
This inaccurate reporting is harming my financial standing and has led to denials of credit and higher interest rates, all of which are unjustified due to the erroneous nature of the reporting. 
I demand that the CFPB immediately investigate this issue, enforce compliance with the FCRA and FDCPA, and ensure that both the charge-off and the inaccurate late payments are permanently removed from my credit report. The furnisher must be held accountable for failing to uphold their duty to report accurate information, and any continued failure to comply should result in appropriate penalties. 
I expect swift action and a full resolution of this matter, including the permanent deletion of all erroneous information. Please inform me of the steps that will be taken and the timeline for addressing this complaint.
Consumer complaint received 2024-09-10
Product: Credit card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Blessings to you. Capital One is saying that I have another credit card with them. I dont they constantly keep asking me to pay this bill. I have a credit card with Capital One which I am paying on now the other one I have no knowledge of that they constantly keep saying that Im I owe this money and I know that I dont. I am paying on time my Credit card that I already have but the other one I dont understand what that is about can you help me?
Consumer complaint received 2024-09-10
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Personal Cash Loans of SC, Inc. (SC)

I have asked the company numerous time to not call my job and I just received another call at work at XXXX from XXXX. My loan is behind and right now I dont not have the money to pay they already sent me a right to cute letter. They have also been asked not to call my boss XXXX, he is no longer my boss now, XXXX promised to remove his number but he still received a call after I discussed this with XXXX. I want the calls to my job to stop as I work in a XXXX XXXX environment and I am required to meet goals and receiving these calls is affecting my job.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IN)

It's been months that I'm trying to fix errors that are being reported on my credit report because my creditworthiness is highly important to me, and the errors in my credit report have had detrimental effects on both my financial prospects and my emotional well-being but my requests and complaints kept getting ignored or disregarded which furthers the negative impact on both my life and my credit.
Consumer complaint received 2024-08-19
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: SYNCHRONY FINANCIAL (PA)

I wanted to apply for a CareCredit card for veterinary use only. I called the number to apply and told them I wanted only a regular CareCredit card. My son had applied for one and they sent him a XXXX instead. I was told the only way to apply for the CareCredit only was via the website. The customer service person I spoke to gave me the site to use after I reconfirmed it was only for CareCredit and not for XXXX. I applied and was approved. I then received a XXXX CareCredit card in the mail. XX/XX/year> I called Synchrony Bank who handles the card and was transferred to CareCredit. The supervisor, XXXX Indicated that the only way to get a plain CareCredit card was to apply online. I explained that I called the number to apply online and was told I had to apply online they no longer took applications over the phone. His only answer was for me to re-apply to get a plain CareCredit card. He stated that because of my credit history I was eligible for the XXXX so they automatically process it that way. XXXX was unable to provide any back up to me that showed that I agreed to be " upgraded '' to the XXXX. 

I also questioned the fact that I was going to be charged {$1.00} per month to receive statements in the mail. XXXX indicated that was recommended/approved by the Consumer Protection Bureau and the put the policy in place. I feel that I was switched into a different credit card without my knowledge because I was following the instructions of one of CareCredit 's service representatives.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

I need your help to address the incorrect account appearing on my credit report. This has been detrimental to my reputation, and I need your intervention. The mishandling of my credit report has left me in a difficult situation, and your inaccurate reporting has caused significant harm. You must remove these errors so I can live a normal life with my family.
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.
Consumer complaint received 2024-09-20
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: Strategic Financial Solutions, LLC (NY)

I am a RN working full time. During XXXX I had some family situations resulting in temp part time work vs full time. I then was taken out of work 2 times on XXXX. I had never been late on credit card payments but the interest popped up to 30 % and buried me. I contacted a debt consolidation program- strategic financial /global holdings/clear creek legal. I signed up for their services XX/XX/year> and started paying $ XXXX to them. To date, not XXXX credit card debt had been negotiated and to date, nothing g paid to credit card companies. I have records of the numerous phone calls I made to try to find out what was going on and why nothing has been done ( I was told the XXXX negotiation is usually done with in the first XXXX months. Nothing! I cant get any communication with themeach call results in a XXXX hour wait on hold and ending with no more info than I had before I called. I requested to have documents and co My ovations went through the mail instead of in the computer, didnt happen. Then, 2 months ago I see a letter posted on their website talking about a lawsuit they were involved in and everything is on hold. In addition, when I looked at my balance of funds ( 18 months x & XXXX = {$8800.00} ). But, my balance is saying {$4100.00}! Where is my money? They couldnt answer me nothing has been paid or negotiated. I then got handed a paper from a XXXX account stating I was expected in court cuz I was being sued for non-payment. I called them, waited XXXX hours on the phone to get a person. I needed to know what was going on and to make sure their lawyers were handling this issue. I was told that there was no lawyer assigned to my case! I dont know where I stand. They are still deducting their $ each month, but nothing is being done! I spoke with XXXX somebody and was told to notify CFPB for guidance. I work XXXX hours per week as a nurse, Im a single mom with a special needs child, and raising 2 of my grandkids. I honestly cant afford a lawyer. Help please!
Consumer complaint received 2024-10-15
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. (OH)

I am writing to file a formal complaint regarding Clarity Services Inc, as they have failed to address a dispute I submitted over 30 days ago. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i, a consumer reporting agency is required to investigate disputes within 30 days. However, despite my repeated efforts, clarity services inc has not fulfilled its obligation to investigate or correct the disputed information within the legally mandated timeframe. I urge the CFPB to take action to ensure compliance with this law and resolve this issue promptly.