davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

Capital One once again messed up the reporting of my card which is against the Fair Credit Reporting Act. They adjusted the credit history with the agencies and the agencies adjusted my score. After talking to XXXX ID XXXX we discussed the fact that he was going to make sure my payment history was reported accordingly. I told him my score finally went back up but I was unsure of XXXX as I had t heard from them. He talked to me on XX/XX/XXXX and he told me he would make sure it was reported with the correct code. As of XX/XX/XXXX, my score increased XXXX points. XXXX then filed a dispute and I got notified in my email. Today i received notification my XXXX score decreased XXXX because i had no payment history. Once again Capital One is trying to XXXX me over with their reporting as they told the bureaus the card was closed when it was never closed. I received a letter from Capital One stating it wasnt closed through the CFPB yet they again misreported it! This has caused me to lose a house loan due to their error and if its not recited this week, they will be getting sued! I have made on- time payments since XXXX. The card was open XX/XX/XXXX but not used until XX/XX/XXXX. Payments on time since then. I do have a case and if they do not start reporting it correctly and rectifying the error they made XXXX already, I will file a lawsuit against this company. XX/XX/XXXX it was correctly reported. By the XXXX XXXX again misreported it and the score dropped the exact amount of points! This is not ok to do to someone just because this company is incompetent. It has ruined my life on more than XXXX occasion in less than XXXX! I wont stand for it. They have incompetent staff.
Consumer complaint received 2024-07-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Nelnet, Inc. (OH)

XX/XX/year> XXXX $ Dep of ed/ nelnet XX/XX/year> XXXX $ Dep of edXXXX nelnet XX/XX/year> XXXX $ dep of edXXXX nelnet XX/XX/year> XXXX $ Dep of ed/ nelnet Did not give my signed consent too give out my personal info
Consumer complaint received 2024-07-28
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (IL)

My lease agreement was for 18 months with a co-signer, XXXX XXXX. Payments were due on the XXXX of each month, and occasionally, I would miss the XXXX grace period to avoid late fees due to my pay schedule. Thus, when I made a payment of {$580.00}, which includes {$550.00} plus a {$30.00} late fee, Nissan did not credit my account accordingly. According to the end-of-lease liability statement, Nissan claims I still owe {$240.00} in late fees. Since they will not provide a payment history, I suspect they are mishandling my account.
Consumer complaint received 2024-08-07
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. (FL)

XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX I am deeply concerned to find several accounts on my credit report that do not belong to me. These fraudulent accounts are causing significant distress and are preventing me from securing essential credit. Under Section 605B of the Fair Credit Reporting Act ( FCRA ), I urgently plead for their immediate removal. Please expedite the investigation and correct my credit file as soon as possible. Thank you for your prompt attention to this alarming matter.
Consumer complaint received 2024-07-28
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc. (FL)

I paid my bill in full! I did not know it was XXXX dollars left on my statement until XXXX days later. I called express clothing store with this matter. It's still on my report as late. If you can look at my account. I never been late. 

Act 15 USC 1681 section 602 section 605
Consumer complaint received 2024-07-24
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: CREDIT ACCEPTANCE CORPORATION (CO)

I tried reaching out to this company requesting information. I gave them the address of the prison I was in so we could communicate. They never got back in touch with me. I am trying to buy a home and this is killing my credit. I have asked Credit Accepatance to remove this from my profile with no luck now I amtrying to file a fraud since I didnt open this account
Consumer complaint received 2024-08-07
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. (FL)

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2024-08-01
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PENNYMAC LOAN SERVICES, LLC. (FL)

I use automated bill pay to pay my mortgage. In XXXX of 2024 the payment increased due to escrow increase. The mortgage company claims they sent a notice prior to the increase ; however, the mortgage company inundates me with solicitations for new products and I did not see the increase. There was nothing conspicuous about the mail to indicate I should have looked at it. Once I was behind by XXXX dollars, they surely sent me a conspicuous email. I called them and learned of the error. On XX/XX/XXXX they sent me another email stating I was late XXXX dollars. This is not true. The agent told me they never applied the payment that was shorted XXXX dollars to the owed payment and took money from next payment to make up XXXX shortage then took remaining balance and applied it to balance. They recorded the payment as being late. This adversely affected the amount of interest owed on the loan.
Consumer complaint received 2024-07-28
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO. (TX)

I am a long time credit card holder. 

I tried making a purchase yesterday which was blocked. I appreciated it that. However, I verified ( through the email ) that was sent to me that it was me that attempted the purchase. It still remained blocked. 

On Sunday, XX/XX/XXXX, I spoke to three separate people who reassured me that it would be taken care of within a few minutes to few days. 

Interim, as expected by this fraudulent bank, they request the phone number for which they can send the text message to instead of using the phone number on file to send the security code to. 

Dumfounded by this practice but hey they reassure us that they've got tools to detect if the person provided the wrong phone number.
Consumer complaint received 2024-07-28
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO. (TX)

I have spoken to 4 different individuals in their Credit Card fraud team and was told that the phone call was being recorded.

I was denied access to speak to a manager.

I was also told by the last person that they can not provide the address whereby the calls can be subpoenaed because it was a security issue for them. Priceless. What is Chase ( JPM ) hiding?
Consumer complaint received 2024-08-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc. (MD)

On XX/XX/XXXX 3 ATM withdraw were made on my account and i did not make this transactions or withdraws. I contacted my bank ( Square ) to let them know of the problem and they declined my despute. Their reason is because i still have possession of my debit card. However i explained to them that yes, i do have possession of my card but i did not make those transactions. I asked them for the merchant information and they declined to give me the information and they sent me an email saying ny dispute is denied and i can go find legal help to dispute their decision. 

XXXX transactions were made. 
XXXX for {$200.00} XXXX for {$180.00} XXXX for {$40.00} Total money stolen was {$420.00}.
Consumer complaint received 2024-07-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Phoenix Financial Services LLC (OH)

I went to the XXXX  on XX/XX/XXXX, XXXX the XXXX XXXX was billed and payed XXXX in XXXX of 2024. I never received a First bill for the balance from the Dr.. On XX/XX/2024 i receive a bill from the XXXX XXXXXXXX XXXX XXXX and it states that i am late and past due as of XXXX, 2024. On XX/XX/2024 Saturday, i go on line and check the Co, to see if it is valid, and it was XXXX i tried to access my Acct but it was lock out for being over due. i tried to call there hot line but was on hold for over XXXX min, and the AI just keep telling me to pay XXXX. I do not pay XXXX  over the phone or online when i do not know the Co i am doing business with. In stead i entered the info at m y bank and had them send a check. the bank said ti would be delivered on XX/XX/XXXX, XXXX on XX/XX/2024 the XXXX XXXX XXXX  XXXX the acct to collections and a week later i get a call from a collection Co wanting payment. i told them that i payed it XX/XX/2024, but he hung up. i called back talked to another person and i told him i paid it off and, told him to send me to original bill, and they did. a week later they called me back and wanted their money. i made copies of all the bills and cannceled check from the XXXX XXXX XXXX, and sent it to the collections XXXX they said i had to resend the money to them and try to get the first check back from the XXXX XXXX XXXXXXXX because they all ready paied the Dr off and now i owe them. i told them to XXXX and sent them the info that i will copy you below. i am waiting for confirmation from both parties to their mistake, and why i did not reciev a bill from the XXXX XXXX XXXX the first time.
Consumer complaint received 2024-08-07
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. (FL)

The unverified account indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2019-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

Notwithstanding allegations of fraudulent charges regarding XXXX XXXX account number XXXX, said creditor has failed to properly investigate and update the account reporting status at the XXXX, Experian and XXXX consumer reporting agencies. The failure to report said charges as fraudulent - or to delete the offending account - has caused a detrimental impact on credit scoring.
Consumer complaint received 2023-03-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P. (MA)

My credit report from XXXX has a collecting debt which does not belong to me I disputed in XXXX but the debt collector state that they have a bill with a similar name company XXXX, I have never any account with XXXX and my current resident for the last 10 years is XXXX XXXX XXXX XXXX. XXXX MA, XXXX. 

I do not have any debt with any company my credit report always has been excellent, either someone stole my name or my social security or both. 

Please help me to restore my credit by investigating this collection. 
southwest credit systems account # XXXX
Consumer complaint received 2023-11-21
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (IL)

I received a letter from a company called National Credit Systems , INC . 
XXXX XXXX XXXX XXXX, GA XXXX On XX/XX/ I received a letter Demanding to pay XXXX for a debt I had never heard of. On Sunday XXXX the collector had reported this alleged debt to the credit agencies. I called them XX/XX/ on Monday because I was unable to reach anyone during the weekend to ask what the debt was for. I had no knowledge of this debt or accusation. When I finally spoke with someone she informed me that the debt was for alleged damages to an apartment I had lived in for 5 years. I moved out of the apartment in XX/XX/. Since XXXX I have had no knowledge of this debt and was not notified ever by the original creditor. I immediately requested to dispute the charge. The allegations are false. The original company XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX ( XXXX ) XXXX had violated several Illinois tenant rights. I was not given enough time or notice before it was reported to the credit companies to even address or dispute the matter. I was not given an Itemized list for said damages. I had quarterly inspections on my apartment and had never had a bad report to my knowledge. As on XX/XX/ I have never even seen a report. Any issues I had with my apartment were reported in a timely fashion. I have several neighbors, witnesses, family members, and the Property manager who worked there for 30 years before she retired on stand by to write letters of the conditions of the apartment and my character. 
When I moved out XXXX XXXX reported to my new landlord that I was an excellent tenant. Which I have proof of and will provide written documentation of that. The company National Credit Systems was supposed to email me the dispute claim form to fill out and I have not heard from them. I have never had a collection on my credit. This is completely false and they are using this as a tactic to scam me out of money.
Consumer complaint received 2024-07-24
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Bread Financial Holdings, Inc. (PA)

They are constantly calling, harassing me, telling me I owe debt that they can not confirm as mine, nor have they sent paperwork with my signature, stating that I agreed to pay anything to them or to any other third-party establishment. I would like to see my personal signature as the person responsible for the debt and responsible for paying a third-party XXXX collector, which I did not agree to and they have yet to provide this information Or proof of signature on any of these documents
Consumer complaint received 2024-08-01
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

On XX/XX/year>, Capital One conducted a hard inquiry on my credit file for a new credit card account. I did not apply for a credit card or any form of loan from Capital One, so I contacted the company on XX/XX/year> to report the fraud. Capital One indicated that they closed the credit card account due to fraud and that they would investigate the incident further prior to removing the inquiry from my credit report. It has been 5 months and Capital One has not removed the inquiry from my credit report. When I contact Capital One, the only information the representatives can share is that the account is closed due to fraud, but will not provide an update on the removal of the hard inquiry from my credit report.
Consumer complaint received 2024-08-01
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ProCollect, Inc. (TX)

In XXXX, received a letter from ProCollect stating that I should pay the XXXX XXXX apartment move out fee collection so my credit score is " not negatively impacted '' and it listed all the consequences of not paying the collection. After receiving that letter from ProCollect I was scared that this collection would hurt my credit, so I paid it as soon as I could shortly after receiving the ProCollect payment due letter in XXXX. 

I had an agreement with ProCollect to not have this collect on my credit report if I paid it in full, and I just found out in XX/XX/XXXX that they have been reporting it to XXXX XXXX even though I paid them and settled this in XX/XX/XXXX. This collection from XXXX was added to my credit report 5 years later by XXXX in XX/XX/XXXX. The delinquency date for the move out fee states XX/XX/XXXX, but I moved in the apartment in XX/XX/XXXX, the balance is wrong, and the collection should not even be on my credit report per my agreement with ProCollect. ProCollect has incorrectly added this collection to my credit report when I had an agreement with the collections that it wont be in collections if paid in full. I was threatened into paying this debt in return for it not damaging my credit and it damaged my credit anyways, I do not feel protected as consumer because of ProCollects error of adding this collection on my credit report when they said it wouldn't be on there if I paid them, which I did.
Consumer complaint received 2024-07-24
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CITIBANK, N.A. (NC)

See attached document 2nd Notice. 

XXXX XXXXXXXX XXXX, Pursuant Regulation F, 12 CFR 1006, 15 USC 1692 I have exercised my specified remedy and sent you the first letter for notice of debt validation. XXXX XXXXXXXX XXXX, you have violated my Rights pursuant 12 CFR 1006.34 ( c ).
Consumer complaint received 2024-08-01
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: SUNRISE CREDIT SERVICES, INC (OH)

I had a account with XXXX  for internet service. 
I cancelled my service on XX/XX/XXXX. 

The final bill I received from XXXX  was for {$46.00} and the service date was ( XX/XX/XXXX through XX/XX/XXXX ) I only used the internet from XX/XX/XXXX through XX/XX/XXXX I tried contacting someone from XXXX  to close my account and pay for the ( XXXX ) weeks that I used the service. I could not get anyone on the phone. 

Now, I keep receiving phone calls from Sunrise everyday. I've told the representatives at Sunrise my situation and repeated I will only pay for the part I used.
Consumer complaint received 2024-07-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC (PA)

My loan servicer was transferred from XXXX XXXX XXXX to ShellPoint Mortgage Servicing in early XXXX. However, the principal balance at ShellPoint is not correct. I have provided a statement from XXXX XXXX XXXX to ShellPoint by mail a few weeks ago and followed up by uploading a statement to my ShellPoint portal showing the payments I made at XXXX. I have called ShellPoint upwards of XXXX times to ask the status of it ( because I have a payment DUE ON XX/XX/XXXX ) but they just say it might not be looked at until XX/XX/XXXX. I also called XXXX XXXX or 3 times, and they just send me a statement to provide to ShellPoint rather than working with ShellPoint to fix the issue. 

ShellPoint and XXXX are both unprofessional and disorganized. There is no reason why my payments made to my prior servicer were not reflected on my account when the servicing was transferred from XXXX to ShellPoint. Even worse, when I call ShellPoint, they begin the call by accusing me of having a past due balance ( saying that I didn't pay my bill due XX/XX/XXXX ). This is incorrect, and has caused unnecessary stress and hardship to me. I am one step away from getting an attorney involved, but thought I'd seek the support of CFPB first. Below is a summary of the dates and payments I made to XXXX, which ShellPoint is refusing to put on my account : XX/XX/XXXX - {$15.00} ( extra principal only ) XX/XX/XXXX - {$1400.00} ( principal and interest payment, for the bill due XX/XX/XXXX ) XX/XX/XXXX - {$10.00} ( extra principal only )
Consumer complaint received 2024-07-28
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: General Motors Financial Company, Inc. (LA)

Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Amount : {$1500.00} Action taken : account was disputed
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am submitting this complaint to request that you block the following information appearing on my consumer credit report due to identity theft and fraud, as required under FCRA 605B ( 15 U.S.C. 1681c-2 ) : A personal credit card account opened at XXXX XXXX XXXX  on XX/XX/XXXX under XXXX : Charged off, past due amount : {$300.00}. 

An auto loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under Status : Charged off, past due amount : {$4200.00}. 

A collection account opened at XXXX XXXX XXXX from XXXX XXXX for a balance of {$72.00} under Status : Collection account, past due amount : {$72.00}. 

A collection account opened at XXXX XXXX XXXX from XXXX XXXXXXXX XXXX XXXX. for a balance of {$610.00} under Status : Collection account, past due amount : {$610.00}. 

A collection account opened at XXXX XXXX XXXX for a balance of {$750.00} under Status : Charged off, past due amount : {$750.00}. 

A collection account opened at XXXX XXXX XXXX  for a balance of {$230.00} under Status : Charged off, past due amount : {$230.00}. 

A secured loan account opened at XXXX XXXX XXXX  on XX/XX/XXXX under Status : Charged off, past due amount : {$520.00}. 

A collection account opened at XXXX XXXX on XX/XX/XXXX for a balance of {$120.00} under Status : Collection account, past due amount : {$120.00}. 

An unknown collection with {$120.00}, account number XXXX from XX/XX/XXXX under Status : Collection account, past due amount : {$120.00}. 

A collection account opened at XXXX  on XX/XX/XXXX for a balance of {$310.00} under Status : Collection account, past due amount : {$310.00}. 

These accounts or late payments are not mine, and I request that you block them from my credit report within 4 business days of receiving this complaint. 

I demand that you investigate this/these matter ( s ) immediately. According to FCRA 611 ( 15 U.S.C. 1681i ), you are required to conduct a thorough and timely investigation. I expect the removal or correction of these inaccuracies without delay.