davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-01
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (OR)

I have been paying my bill on time. At some point I made a payment on the closing date. Of which I was unaware of as when I logged in to their website it showed a payment due date and amount. I just payed the amount. The company explained that those parents didn't apply to the current billing cycle that showed on the website but instead to the prior billing cycle as it hadn't closed yet. I paid too early. I am frustrated as a customer as it seems fraudulent to post an amount due with a due date and apply it to a prior month, initially making the prior month have XXXX payments and the current billing cycle half no payment, thus then giving the customer a late payment fee and a 30 day late notice. 

It seems like a loophole in their system to charge customers occasional extra fees. 

When I shared my concerns and requested the fees to be taken off my account, they explained that they were unable to adjust the account as it was my fault for paying on closing. And that I should wait to pay within the window. My due date is the XXXX of every month. The earliest I paid was the XXXX of the month prior to the due date. Which is after the due date of the prior month and before the due date of the following month.
Consumer complaint received 2024-07-05
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Sulphur Bank Rancheria Enterprises (OH)

I defaulted on my loan through RightNow loans due to financial hardship I conveyed the situation to them they offered me a payment plan but I couldnt update anything on their website and when I call it drops the call they wont communicate through email and are just threatening to sue me on top of that they are charging ridiculous amount of APR and interest I got a loan for XXXX dollars and will be paying back almost XXXX I was told I could pay off the principal balance whenever and now am being told I can not. I cant afford to be sued Im single mother I need to get this figured out.
Consumer complaint received 2024-07-05
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Moss Law Firm, P.C. (TX)

I received a threatening letter communicating to me that Moss Law Firm, a debt collector was attempting to serve me with papers for a lawsuit regarding a debt allegedly owed to XXXX XXXXXXXX. I do not have a contract with this company and never gave consent to have this company contact me through any medium. After receiving the letter I checked my credit report with XXXX, XXXX and XXXX to find that there is an account listed from XXXX XXXX card services that has been charged off as bad debt, but I never received a 1099 from XXXX XXXX showing the debt was discharged. Not only did XXXX XXXX not send a 1099, they are attempting to collect twice by charging off the alleged debt and not reporting it and by suing in civil court. Since this account has been charged off, that makes it a certificate of indebtedness meaning it is now considered income and income is not permitted to be listed on a consumer credit report. It appears that XXXX XXXX and Moss Law Firm the debt collector has conspired together to commit fraud and extort funds from me the consumer. Further more, I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. XXXX XXXX Never informed me of my right to exercise my nondisclosure option. Not only that, 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information, Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of XXXX XXXX reporting services. I ask that the Consumer Financial Protection Bureau look into the actions of XXXX XXXXXXXX and Moss Law Firm regarding their actions towards a federally protected consumer.
Consumer complaint received 2024-07-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My account with the company and i was never late! I have had exceptional payment history with this company 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 in MONTHS REPORTING LATE to be removed 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.

This company never sent The periodic statement along with the disclosures from section 1637 ( b ).

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! 

Delete the late payments from my consumer reports.
Consumer complaint received 2024-07-05
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (GA)

Chase Freedom Credit Card : Excessive late fees. High interest charges. Made a telephone agreement to pay {$200.00} dollars monthly for 3 months to catch up. Received bill for. XXXX. Balance went up XXXX in a month. I called bank said they could not take final XXXX for XXXX if I wanted to talk to someone about affordable payments plan.
Consumer complaint received 2024-07-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Mercedes Benz Financial Services (GA)

I bought a car from XXXX XXXX XXXX in XX/XX/year> and the total value of the car was {$48000.00} in XXXX installments. I made a down payment of {$6000.00}. I signed the contract on the seller 's XXXX and he told me that the first installment would be in XX/XX/year>. When I had the information on the values through the XXXX app, I realized that the contract would be paid in XXXX installments and in addition to the value of the installment above that They told me and the total amount to pay in the end was almost double. I went to the store and the seller apologized to me and canceled everything he had put above the agreed amount in XX/XX/year>. It turns out that nothing changed and I had to pay the installments for 10 months. I went to the store several times and they always asked me to wait for the contract to be updated. They changed the financial manager who had acted in bad faith and the new one there gave me the contact details so I could resolve my problem. As a result I got part of the amount returned by the finance company totaling {$8000.00} - but nothing on the interest paid on this amount. Also, to date, I have not had the settlement amount changed in my contract. I ask you to help me because I was taught by the salesperson and financial manager who obtained my signature and filled in the data in the system as they wished!
Consumer complaint received 2024-07-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SUNRISE CREDIT SERVICES, INC (FL)

I am writing to file a formal complaint against Sunrise Credit Services for their violations of multiple consumer protection laws in the handling of my account. The actions taken by Sunrise Credit Services are in direct contravention of several regulations designed to protect consumers. The specific violations are as follows : 1. **Failure to Provide Validation Information** : Sunrise Credit Services has not provided the required validation information for the alleged debt as mandated by 12 CFR 1006.34 ( b ) ( 5 ). Despite this, they have placed a collection account on my consumer report.

2. **Violation of My Right to Dispute** : I have not been given a chance to dispute the account, which is a violation of 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This provision mandates that consumers must be given the opportunity to dispute the validity of the debt before any adverse actions are taken.

3. **Use of Deceptive Practices** : The collection agency is violating my consumer rights by employing false, misleading, and deceptive means in their attempts to collect this debt. Such practices are in direct contravention of established consumer protection laws.

4. **Unauthorized Reporting to Consumer Reporting Agencies** : Sunrise Credit Services has no authority to furnish any account to consumer reporting agencies without providing all legally required disclosures. This constitutes a clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ) ( A ), which stipulate the requirements for accurate and lawful reporting of debts to consumer reporting agencies.

The actions of Sunrise Credit Services have caused me considerable distress and have negatively impacted my credit report and overall financial well-being. I request that the Consumer Financial Protection Bureau ( CFPB ) take the following actions : 1. **Investigate the Practices of Sunrise Credit Services** : Conduct a thorough investigation into the practices of Sunrise Credit Services to ensure compliance with all applicable consumer protection laws.

2. **Enforce Corrective Measures** : Require Sunrise Credit Services to remove the collection account from my consumer report until proper validation information is provided and I am given an opportunity to dispute the debt.

3. **Ensure Compliance with Disclosures and Dispute Rights** : Ensure that Sunrise Credit Services provides all required disclosures and adheres to the right of consumers to dispute alleged debts.

4. **Prevent Future Violations** : Implement measures to prevent future violations of consumer protection laws by Sunrise Credit Services and other collection agencies.

I appreciate your prompt attention to this matter and look forward to your response. Thank you for your assistance in protecting consumer rights.
Consumer complaint received 2024-03-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Despite my multiple attempts to rectify the situation, fraudulent items continue to be erroneously listed on my credit report. I am deeply concerned about the impact this is having on my financial standing and my ability to access credit when needed. I first became aware of these fraudulent items and promptly took action to report and dispute them. Since then, I have made multiple attempts to provide evidence of the fraudulent nature of these accounts, including police reports, identity theft affidavits, and correspondence with the relevant creditors confirming the fraudulent activity. I am requesting the following actions to rectify this situation : I kindly request that you promptly remove the aforementioned fraudulent items from my credit report. It is crucial that they are deleted as soon as possible to mitigate the harm to my credit score. I request that a thorough investigation be conducted into the authenticity of the disputed items. I have provided substantial evidence to support my claims of identity theft, and I urge you to take this matter seriously. Please liaise with the relevant creditors to ensure that they are made aware of the fraudulent nature of these accounts and update their records accordingly. I am asking for your assistance to remove the following fraudulent items : XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2024-07-05
Product: Credit card — General-purpose credit card or charge 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: FIRST NATIONAL BANK OF OMAHA (TX)

I am writing to file a formal complaint against First National Bank of Omaha Fraud concerning their inadequate investigation of fraudulent activities on my credit card account, ending XXXX. 

On XX/XX/year>, I reported several unauthorized transactions totaling {$12000.00} on my account. Despite providing detailed information and supporting documentation, my fraud claim was unjustly rejected on XX/XX/year>. I believe the investigation conducted by First National Bank of Omaha was insufficient and did not consider all the evidence provided. 

Here are the details of the fraudulent transactions : See the attached Statement with highlighted transactions.

I have attempted to resolve this issue directly with First National Bank of Omaha by contacting their customer service on XX/XX/year> and escalating to a supervisor on XXXX, but no satisfactory resolution has been reached. 
According to FBNO, the card was used online and not in person, and you can ask for the recording of the conversation between me and FBNO and based on that they are investigating that it was valid charge. I called some of the merchant and here is the reply I received : Transaction Date XXXX : XXXX XXXX XXXX XXXX According to the resort manager, there was no reservation on name of XXXX XXXX XXXX The card was charged but no one checked in. But the resort is not willing to pay the {$160.00} as someone used the card in person. This transaction was done in XXXX. 
Transaction Date XXXX : XXXX XXXX XXXX for {$220.00}. This is XXXX XXXX, XXXX and somebody used in person card to buy liquor. According to the airport they dont check the identity on the card but only check the passport. 
Transaction Date XXXX : XXXX XXXX for {$300.00}. This was in person charge to buy a XXXX watch. I used an XXXX phone and I have never used XXXX phone or any accessories. 
The above investigation was done purely by me by contacting the merchant. I have requested copies of investigation from First National Bank of Omaha, but they denied it which makes it very clear that they didnt perform the investigation. 

I request that the CFPB review this matter and assist in ensuring a fair and thorough investigation of my fraud claim. Enclosed are copies of all relevant correspondence and documentation related to this issue.
Consumer complaint received 2024-07-05
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company (GA)

I contacted Freedom Mortgage on XX/XX/2024 to inform them of my homestead exemption and to remove the excess amount that they charge me every month. They charge me {$590.00} a month in escrow every month and I am owed a refund. They still have not did this and continue to over charge me every month.
Consumer complaint received 2024-07-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NJ)

on XX/XX/year> I noticed a debit purchase on my bank statement with Chase Bank in the amount of XXXX paid to XXXX XXXX. I called XXXX number for Chase Bank to report fraud. On XX/XX/year> they reversed the purchase and told me they had to investigate. I received a letter from Chase Bank dated XX/XX/year> telling me that they found the transaction was processed according to the information provided and was taking the {$520.00} back out of my checking account. Which they did on XX/XX/year>. As soon as I received the letter in mail I called the customer service phone and requested the documentation that they had received as proof. I was told by customer service rep and her manager XXXX that they will have it mailed out. I never got it. I was told by XXXX that If I went to branch office that the Banker would be able to call customer service and request. So I did on XX/XX/year>. I met with XXXX XXXX my banker. She called Customer Servics and they told her NO they would not email to her. They were to put in another request to have it mailed to me. I was told to call the XXXX XXXX XXXX Chase and put in a complaint. I did the same day. They told me ok they would file complaint. I spoke with XXXX. Then she transfered me to Customer service. I was speaking with XXXX ( manager ) and she told me to got to branch office and have them call to have it emailed. I told XXXX we tried that already please email to XXXX and I will pick up. I gave her XXXX 's email address. I went few days later and picked up email. It was just a copy of the claim I filed. NO PROOF. I have since called XXXX at branch on XX/XX/year> ( no call back ) XX/XX/year> spoke to XXXX and she told me she would talk to her branch XXXX XXXX and get back to me. ( no calls ) XX/XX/year> left message for XXXX at branch ( no calls back ) XX/XX/year> Left message for XXXX at branch ( no calls back ) I still have NO Proof from Chase Bank. I did not make charges and feel that Chase Bank does not care about there customers at all. I will be forced to take legal actions as this is fraud...
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS (NC)

To whom it may concern : Regarding XXXX or XXXX or whomever is doing this. 
Regarding my XXXX XXXXXXXX XXXX XXXXXXXX XXXX There are XXXX ( XXXX ) accidents being attributed to my vehicle that I own. There actually ARE XXXX accidents in my claims history, but NEITHER belong to the vehicle I am driving. I drive a XXXX XXXX XXXX. it is the only car that I own. 
The XXXX accidents attributed to my vehicle are being incorrectly reported. 
The first, in XXXX my previous car was in an accident and I was held responsible. The car, a XXXX XXXX, was XXXX and XXXX XXXX paid the claim. 
The second, and I am not sure of the exact date, I had a joint policy ( which has been cancelled for at least XXXX  years, with my boyfriend with whom I reside, he had a car accident on his XXXX XXXX. Because I reside with him and we had a joint insurance policy, I was attributed with this accident and XXXX XXXX paid the claim. Neither accident is actually attributed to the car that I drive. Because the XXXX accidents are being attributed to my XXXX report, or insurance information, or XXXX or somehow, it has dropped the value of my car by XXXX XXXX dollars. It made my property tax go down but if I get in an accident, it will no longer be a correct value of my car. 
Thank you very much for any assistance you may provide.
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ID Analytics, Inc. (CA)

Request for Security Freeze on Credit Report To Whom It May Concern : This letter is to formally request a security freeze on my credit report. 

I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 



My personal information is as follows : Full Name : XXXX XXXX XXXX Date of Birth : Date of Birth : XX/XX/year> Social Security Number : XXXX Current Address : Address : XXXX XXXX XXXX XXXX XXXX California XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 



Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 



Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-07-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts 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 rectified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX