davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-25
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HCFS Healthcare Financial Services of TeamHealth (OH)

They are trying to collect XXXX dollars from me for and XXXX  XXXX XXXX but I have a payment arrangement with XXXX XXXX and my next payment doesnt come out till the XXXX which is when I can pay it because I will have the money Im not ok with them trying to collect more money out of me even tho Im paying my bill
Consumer complaint received 2024-06-14
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)

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

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

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
"
Consumer complaint received 2023-07-12
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (VA)

I've been trying to resolve a property tax abatement issue with Hyundai Motor Finance ( " XXXX XXXX '' ) for over XXXX months ( since XX/XX/XXXX ). XXXX XXXX claims that I still owe property taxes on a previously leased car/account which is incorrect. I've spoken with multiple XXXX XXXX customer service representatives as well as emailed them numerous times and the issue is still not fixed. XXXX XXXX representatives have repeatedly told me that there is nothing for me to do on my end and that I've provided all the documentation/information they need ; however, the problem never gets taken care of. Hence, I'm reaching out to CFPB for assistance in resolving this issue. When I originally spoke with a XXXX XXXX representative in XX/XX/XXXX, I was informed that it would take approximately XXXX days to fix the property tax abatement issue. It now has been over XXXX months. 

Additional details regarding dates of contact with XXXX XXXX are below : I first provided the requested documentation to XXXX XXXX on XX/XX/XXXX. Since then, I've spoken with HM Finance on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I've also emailed XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Unfortunately, none of these phone calls or emails have led to my property tax abatement issue being resolved. 

Additional information regarding my property tax abatement issue with XXXX XXXX is below/attached : I have tried to resolve a XXXX property tax abatement issue with HM Finance for XXXX XXXX months. Specifically, XXXX XXXX incorrectly lists that I still owe {$280.00} for property taxes on a previously leased vehicle. However, I returned the leased vehicle to XXXX on XX/XX/XXXX ( see attached Vehicle Return Receipt ). Please also see the attached document from the XXXX of XXXX regarding XXXX XXXX of Corrected Fees. The total tax amount paid for XXXX was {$340.00} and the overpayment for XXXX was {$280.00}. As a result, the correct property tax amount that I owed for XXXX was {$57.00} ( {$340.00} - {$280.00} = {$57.00} ), not the {$280.00} that is currently listed. 

I've paid the {$57.00} which was the correct property tax amount that I owed for XXXX. However, my account still incorrectly shows that I still owe {$280.00}. Based on my conversation with a XXXX XXXX representative, I was informed that management was going to remove the {$280.00} amount from my account balance because it was listed in error. I was also told by the XXXX XXXX representative that my account was paid in full and that I did not owe any additional monies. However, this is not reflected when I view my account. My XXXX XXXX account still incorrectly shows that I owe {$280.00}. 

Bottom Line -- I want the {$280.00} removed from my HM Finance account and I want my account to reflect that I owe XXXX monies.
Consumer complaint received 2023-09-20
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (OR)

In XXXX, 2023, I received XXXX credit card offers from Chase and XXXX XXXX. 
- I applied for both offers and subsequently received XXXX credit cards. I promptly purchased items to meet the required amount to receive my XXXX miles per offer/card. 
I received XXXX statements, XXXX for each credit card, which show that I was rewarded XXXX on each card for a total of XXXX miles from Chase. 

When I checked my XXXX XXXX XXXX account, I found that only XXXX miles. 

I called Chase and was informed that even though I meet the terms and conditions on each account that I was only able to receive XXXX miles for XXXX account. 

I am an older man with somewhat limited mental capacity. Chase business practices in this manner are predatory and discriminating. If this issue is not resolved, I will be filing complaints with the following agencies, XXXX, XXXX XXXX, Federal Reserve, State Attorney General 's office in Oregon and Federal Trade Commission. Additionally, I will file a small claims suit in Oregon.
Consumer complaint received 2024-08-02
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: JPMORGAN CHASE & CO. (WI)

XXXX XXXX is doubling billing me. I called their customer service and was told by whoever answered the phone, I couldnt understand him, that they were not and he said they couldnt help me and refused to let me talk to anyone else. I contacted Chase and they are telling me that he company that is defrauding me will have to stop the auto pay. I pay the bill but they control what is charged to my account and I have to pay it!!
Consumer complaint received 2024-06-20
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ProCollect, Inc. (UT)

In the year XXXX  I was living in an apartment building prior to my divorce. The landlord had decided they wanted to renovate the house and asked us to leave without a thirty day notice. Prior to that when I had moved in there was some damage done in the shower. When I asked maintenance about it they said I wouldn't have to pay for it. However, it wasn't put into writing-the landlord then charged me for it, even though they were renovating the entire house after having us move out. They also charged for a full month 's rent without a proper notification of a 30 days. 
They transferred my debt to a company called ProCollect In Texas ( a state I do not live in ) I've tried communicating with the company. They won't allow me to pay online, and will only accept a payment through XXXX or wire transfer or an overnight check. When I go into to any place such as XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX  etc. Procollect is not in the system. I'm starting to think they are a fraudulent company. 

When I tried to work with their debt repair team ( XXXX XXXX ) they said ProCollect had listed my previous apartment and debt owed to them on my credit report twice. I'd very much like to get this disputed and taken care of so my credit score can start being restored. They said to go to a XXXX, pay the money with my account on there, then call them to let them know I paid it, and then they would email me confirming they had received it. That seems overly complex for no reason.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Made On Time : I made the payment on time as per my records. Please see the enclosed bank statement, which clearly shows that the payment was processed, well before the due date.

Clerical Error : There may be a clerical error in the reporting process. The payment was not accurately recorded or credited to my account in a timely manner, leading to this erroneous late payment report. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Made On Time : I made the payment on time as per my records. Please see the enclosed bank statement, which clearly shows that the payment was processed, well before the due date. 
Clerical Error : There may be a clerical error in the reporting process. The payment was not accurately recorded or credited to my account in a timely manner, leading to this erroneous late payment report.

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-07-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (IL)

I received a 'Repayment Schedule Changed ' document XXXX ( dated XXXX ) that shows that I have {$290.00} in capitalized interest. As I haven't been through any event that would trigger any interest capitalization, I am assuming this is an error caused by Mohela 's seemingly fraught migration to this new platform. I do not want to pay a penny more to this vulture of a company than I have to. Would also love to explore a class action suit if that's something CFPB can facilitate.
Consumer complaint received 2024-06-13
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Neon Newco Corporation (MD)

On XXXX XXXX 2024, {$1000.00} has been stolen from my Net spend bank and Payroll card account and I was unable to log in my account. I called the bank immediately and the bank said that someone had used my money to purchase {$110.00} from XXXX XXXX and XXXX transactions from XXXX XXXX groceries store {$160.00} {$100.00} {$270.00} and {$120.00} all of these unauthorized transactions were made in XXXX XXXX Florida. I live in XXXX XXXX Maryland.
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (FL)

I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.
Consumer complaint received 2024-06-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc. (MI)

XX/XX/year>- Present I achieved an over XXXX credit score that allowed me to get much needed dental care. I have several credit cards and an excellent score for payment history. Normally, I would be scored once or twice per month. 

After applying and receiving 2 loans for the dental work, the credit bureaus are scoring me and decreasing my credit score at least five different times so far this month. I haven't even had the dental work done yet, nor are any payments due until next month.

One of those times they decreased my credit score once on XX/XX/XXXX and then on XX/XX/XXXX. This can't be right. I don't have anything due at this time for them to score. They are prescoring me in advance because I applied for credit?? Excuse me but isn't this was having a decent credit score is used for?

I worked hard, years in fact to achieve this, I have an excellent payment history, now WITHIN MINUTES, the CREDIT SYSTEMS get to decide to decrease my score for using the ability to apply for the credit that I worked hard to build, makes no sense to me.

This is a misuse of authority and I want it stopped. They should not be monitoring and scoring me 4,5,6 times in one month. They don't do it to INCREASE MY SCORE WITH ALL THE EXTRA PAYMENTS I MAKE. IF THEY DID, I'D HAVE A XXXX SCORE BY NOW.
Consumer complaint received 2023-08-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Last year I noticed I had a new account from XXXX on my credit report that was past due. After looking up the company, I found out it is a company that offers cable tv services. My cable service is through my husband. I haven't had cable in my name in years. I reached out to the company. I couldn't find my account information using my information. I spoke with a representative who said it was an error and they would remove it. They did remove it, and it was updated on my credit report. A year later, it looks like that debt was sold to a collection agency, because I now had a collection on my credit report. I first saw it on XXXX. When I submitted a dispute, they removed it. Then it was on TransUnion. I submitted a dispute with them. They came back and said it was accurate. It's not accurate and I'm unsure how to dispute something that I've never had. I thought collection agencies were supposed to prove they had my correct information. I know the original debtor did not because I already went through that with them directly.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

If you dispute negative information on your credit report and the " bureaus '' don't remove it. you can use the arbitration process to get {$1000.00} for each negative item without having to ever go to court. 
And your disputed information gets permanently deleted. 
( 15 USG 1681n ] But you'll keep serolling.. 
XXXX XXXX XXXX And XXXX XXXX
Consumer complaint received 2024-06-17
Product: Debt or credit management — Mortgage modification or foreclosure avoidance
Issue: Confusing or misleading advertising or marketing — 
Company: KEYCORP (OH)

I was contacted by XXXX XXXX on XX/XX/XXXX who claimed he was a Relationship Manager with Keybank calling to offer me a home Loan Modification. He offered to place me in a loan mod program reducing interest rate and my monthly mortgage payment if I agreed to pay {$1900.00} that day and then set up 3 additional payments for {$1000.00}. so far I have paid XXXX XXXX, XX/XX/XXXX - {$700.00} ( paid by my mother ) & XX/XX/XXXX - {$300.00}, and I am scheduled to make another payment {$1000.00} on XX/XX/XXXX. I was given the following instructions to take the funds call them form the parking lot and they would sent me a bar code to my phone. Go inside XXXX and inform the cashier I wanted to add money to my XXXX  and show the barcode from the cashier to scan. Once the payment it made to take a picture of the receipt and send it back to them as an attachment to the email they initially sent me. I reached out to KeyBank because the number the guy called from has a XXXX area code and normally Keybank contacts me from a XXXX area code. So when I provided the Keybank rep with the following numbers I was contacted from : XXXX, and XXXX she replied those were not in the companies directory nor was the XXXX XXXX XXXX name coming up in the company 's employee directory.
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: National Credit Adjusters, LLC (CA)

NATIONAL CREDIT ADJUST - Account type : Debt Buyer - Original creditor : XXXX Comments from previous dispute : Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ) Debt was sold to a collection agency, in who I don't know or that I never made an agreement with them. Furthermore, the original creditor has broken California law ( please see attached ). The loans from the original creditor were in amounts of {$2600.00} with over allowed interest rates in the year XXXX. In the matter brought to a court in the state of California, there is a false representation on the amount of debt owed, which is a violation of the FDCPA regulations. 

With National Credit Adjust - under 15 U.S. Code 1692g - Validation of debts - I have never received any correspondence from this company. I have disputed the debt through the credit bureaus and did not receive : Within five days of contacting a debtor, the debt collector must send a written validation notice that includes : 1 ) How much money the debtor owes 2 ) The name of the creditor to whom the debt is owed 3 ) Notice that they have 30 days to dispute the debt and what to do - A tear-off portion to use as a dispute form. 

I also did not give any of the credit bureaus to use my information for creditors to contact me. 15 U.S. Code 1681b. Under 15 U.S. Code 6802, my information should not have been given to a 3rd party either. I was not given the opportunity to opt out of communication with National Credit Adjusters, which is also illegal. 

I have been notified by my ex-wife, friends and some family that they have recently been contacted by representatives that are trying to reach me in regards to this debt. This is another clear violation of the FDCPA.
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CORELOGIC INC (FL)

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 XXXX of Birth : XX/XX/year> Social Security Number : XXXX Current Address : Address : XXXX XXXX XXXX XXXX XXXX XXXX Florida 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