davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-11
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: General Motors Financial Company, Inc. (CA)

Re : Formal Complaint Regarding Unauthorized Hard and Soft Inquiries Violations of Fair Credit Reporting Act ( FCRA ) Dear CFPB, I am filing this formal complaint regarding multiple violations of the Fair Credit Reporting Act ( FCRA ) by credit reporting agencies and entities that have made unauthorized hard and soft inquiries on my credit report. These inquiries were conducted without my consent or any legally valid reason, and their presence has negatively impacted my credit profile. I seek immediate corrective action and enforcement of the relevant laws. 
1. Unauthorized Hard and Soft Inquiries Violations of 15 U.S. Code 1681b Under 15 U.S. Code 1681b, a consumer report may only be furnished for specific permissible purposes, such as when there is a valid contract, a written authorization from the consumer, or for purposes specifically outlined in the statute. The following hard and soft inquiries were made without my authorization or any legally valid reason : [ List of unauthorized inquiries, e.g., XXXX XXXX, XXXX, etc. ] I did not initiate these inquiries, nor did I provide any explicit consent for these companies to access my credit file. The continued presence of these inquiries violates the FCRA and damages my credit standing by lowering my credit score and creating inaccurate information.

2. Impact of Unauthorized Inquiries Hard inquiries, in particular, can significantly lower a consumers credit score, and soft inquiries, while not always visible to other creditors, still reflect improperly on my credit history. The presence of unauthorized inquiries misrepresents my financial activity and negatively affects my ability to obtain credit on favorable terms. 
3. Legal Remedies and Violations of the FCRA The unauthorized inquiries constitute a violation of 15 U.S. Code 1681b, and I am entitled to remedies under 15 U.S. Code 1681n ( willful non-compliance ) and 15 U.S. Code 1681o ( negligent non-compliance ). These include : Statutory damages of up to {$1000.00} per violation. 
Actual damages for the harm caused to my credit standing. 
Punitive damages for willful violations of the FCRA. 
Recovery of legal fees and costs associated with disputing these inquiries.
Consumer complaint received 2024-09-02
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As you can see on the attached photo from US Banks app, I am supposed to receive XXXX annual bonus miles to XXXX XXXX if I spent more than {$15000.00} in the year of XXXX. Ive spent about {$26000.00}. ( including about {$3200.00} canceled reservation/credit, dated, XXXX ) And also XXXX tickets of XXXX XXXX XXXX XXXX 
However, I still have not received any of them. I should have received the XXXX bonus miles latest by XX/XX/XXXX.
Consumer complaint received 2024-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENOVA INTERNATIONAL, INC. (GA)

I had a loan with Netcredit and it was paid off in XX/XX/XXXX. In XX/XX/XXXX, I realized that my credit report still reported my Netcredit balance as past due and it said the balance was twice the original amount because of interest and past due fees. Netcredit sent an official receipt in XX/XX/XXXX saying that my account was ( in fact ) paid in full in XX/XX/XXXX. It is now XX/XX/XXXX and my credit report still has Netcredit listed as past due. Netcredit has been repeatedly noticed of this error and refused to do anything, demonstrating gross negligence. My credit score has been artificially low for 18 months now because of Netcredit 's failure to report my account accurately, even by their own admission. My poor credit score has hindered my ability to get a low interest rate consolidated loan and limited my rental options when I sought new housing in XX/XX/XXXX. I am seeking financial compensation from Netcredit for the adverse outcomes I have suffered because of their negligence.
Consumer complaint received 2023-04-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Two fraudulent bank accounts were opened in my name by Bank of America ( claims were filed for both ), despite a freeze on my SSN with the credit bureaus and a security alert placed on my identity with XXXX. They did not take the proper steps to verify my identity prior to opening the fraudulent accounts. When asked to speak with a supervisor to prevent this from happening AGAIN, they informed me it could be up to two business days. This is unacceptable given the sensitivity of the matter. 

The first account was opened on XX/XX/23. I called the customer service department and was told the account would be closed. I continued to receive emails regarding this account and called again on XX/XX/23. The first customer service employee I spoke to told me there were no open accounts and I had no reason to speak to a supervisor or their fraud department. I demanded to be escalated and their supervisor finally transferred me to the fraud department. The fraud department FINALLY confirmed for me that the account was not closed, as I was initially told, and that it was still open/active. I asked them to file an internal complain regarding both customer service representatives. 

A second account was opened on XX/XX/23. I called the customer service department who proceeded to close the account. I asked how their verification procedures could possibly let this happen again considering all of the security freezes and alerts attached to my information. Their response was that the fraudster created a new profile ( which clearly was still using my SSN and email, as the employee confirmed for me ) and SOMEHOW that allowed the account to be opened. I said that was unacceptable given the sensitive information they were using that should have been flagged in the system and I wanted to speak to a supervisor. They said the supervisor would tell me the same thing and I had to wait. After waiting at least 20 minutes, they said they would have to call me back. I asked how long that would take and they said up to two business days. I told them I would be filing a complaint. 

I have both BoA claim numbers and email evidence which can be provided upon request.
Consumer complaint received 2024-09-01
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Shellpoint Partners, LLC (CA)

I was provided on XX/XX/XXXX and since then I have been asking XXXX XXXX provide all the fee and what is debit {$640.00} by supervisor XXXX XXXX. 
Since XX/XX/XXXX XXXX XXXX has refused to provide an additional {$640.00} debit fee is for and if is it within not to provide me the answer. 
I also email the same request to single point of contact since than he has XXXX XXXX who also refused to provide the answer. XXXX keeps telling us to send emails to different emails. 
The amount of {$640.00} is hidden cost service is illegally charging me. 
I have been paying my own homeowners insurance since XXXX now I am forced to buy insurance by servicer. 
I have been refused by supervisor XXXX he will not remove homeowners insurance. 
In XXXX homeowners insurance is not required by law but mortgage company can request homeowner to buy homeowner insurance.
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX 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 to be removed/updated.

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.

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!
Consumer complaint received 2024-09-01
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Solar Mosaic LLC (AR)

in XXXX of 2022 I got a loan from this loan company for solar panel and they were supposed to verify that the product was finished before they pay and they didnt I at same as a lot of people was scammed for that company selling solar panels I had been talking to the loan company to get my loan canceled but they refuse even that they know about this big scam also I know they had canceled a lot of loans for the same reason but they refuse to cancel mine my panels didn't got finished and the solar company doesn't exist any more so they are making me pay for something is not functioning I'm retired person and when I got this I was thinking on save a little on my bill instead I'm with a double payment and I cant afford
Consumer complaint received 2024-08-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (MA)

Mohela capitalized interest on my loans atleast twice during federal administrative forbearance periods where interest was NOT supposed to be capitalized. My loan balance has now increased to over XXXX. Atleast {$2000.00} but possibly $ XXXX is incorrectly capitalized interest.
Consumer complaint received 2024-08-15
Product: Vehicle loan or lease — Lease
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Westlake Services, LLC (GA)

The car was repossessed and sold at auction its been on my credit report since XXXX and it is affecting my credit score, home loan for new house and business loan for my new business It was repossessed XX/XX/XXXX after vehicle was sold and the account is closed but its saying current but its not please have them remove it from my credit report asap
Consumer complaint received 2024-08-30
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Pennsylvania Auto Credit, Inc. (PA)

What's against Pennsylvania auto credit when you're you're almost guaranteed a car when you shop at XXXX through Pennsylvania auto credit and I think they really take advantage of you I'm making two or three payments of {$230.00} every two weeks and if you miss one payment by 1 minute they turn your XXXX  car off
Consumer complaint received 2024-08-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Zions Debt Holdings (OH)

I received serveral communications from XXXX XXXX XXXX about my system running on 2G cellular service that was being phased out. Quote : " This means XXXX XXXX XXXX will no longer be able to monitor your home if you do not upgrade your system ''. Last communication sent XXXX : " To ensure you stay protected by our award-winning service, please call us within the next two weeks to schedule your FREE system upgrade with professional installation. '' Call us now at XXXX in order to continue coverage of your home. '' I did not upgrade and I had a credit of {$2.00} on my statement dated XX/XX/2020. I want to know what they were legally charging me for after that date when they already told me that they would not be able to provide service if I did not upgrade.

XXXX  sold the debt to Zions Debt Holdings, LLC and I told them I was not paying for a service that could not be provided as well.
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

The Social Security Administration declared me deceased accidentally. On XX/XX/year>, I went to the social security office and showed proof of life and was given a letter stating they made a clerical error. I am currently XXXX XXXX XXXX and my credit and health insurance has been cut off. 
Meaning I could go into XXXXXXXX any day with my XXXX XXXX XXXX  and have no insurance or be able to sign the XXXX XXXX because I don't exist!!! Additionally, my husband and I lost a house we were closing on because I am dead and have no active credit for a loan. This has greatly negatively impacted my life and the health of my XXXXXXXX XXXX. I need this resolved immediately as I could go into XXXX any day and I am unable to get a house because my amazing credit score no longer exist because of a SSA clerical mistake I did not make or deserve.
Consumer complaint received 2023-09-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (MI)

On XX/XX/23 my husband applied for a loan consolidation, and a IDR. Im student aid.gov. They are still showing in review yet. They have already been consolidated to the new lender, which is ED financial. The IDR is also showing still in review it is affecting our mortgage and our family could end up homeless unless Ed financial gets this fixed. I have tried to contact ED financial on several occasions and on XXXX occasion it said XXXX minute wait time and I waited XXXX hours on hold and no one answered the call. Another time it said XXXX minutes wait time and no one answered the call. I sent an email and no response, the chat never works it always says no one available goodby. I was told by student aid. Gov the only way to get this resolved is to get a hold of the lender yet there is no way to get a hold of ED financial I have even tried social media pages to see if I can get them to respond. XXXX suggestion the federal aid.gov had after talking to multiple people was maybe try to file a new IDR. For XXXX we dont have the time to wait for a new one to be processed since we have been waiting for months for the other one to process literally we are within days of our mortgage being rejected and out on the streets, not only that we can not file XXXX while XXXX is still being processed. I dont understand why someone cant just help us. Why would the government allow a lender that is unreachable?
Consumer complaint received 2024-08-27
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: U.S. BANCORP (VA)

On XX/XX/year>, I opened a new SKYPASS credit card with U.S. Bank. As part of the signup promotion, I was assured that upon spending {$4000.00} within the first XXXX months, I would receive XXXX bonus miles. However, in XX/XX/year>, U.S. Bank unilaterally changed its policy, stipulating that any cardholder who had received a signup bonus within the past XXXX years would no longer be eligible for this offer. 

While I understand that companies reserve the right to modify their policies, I firmly believe that these changes should not affect customers who enrolled or opened accounts under the original terms. I promptly opened a case with the loyalty department to address this issue, only to be informed that I am ineligible for the bonus miles due to the current policy. At no point during my application process was this new rule mentioned. 

Moreover, I have already been charged the {$99.00} annual fee for this account and have been using the card regularly for many of my daily expenses. As a loyal U.S. Bank customer for over 10 years, I find this situation unacceptable and deeply frustrating.
Consumer complaint received 2024-07-18
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. (OK)

Im sending this new complaint now because the cfpb stated that my previous complaints were closed after the credit bureaus replied with false information. 

I have contacted XXXX and all three credit reporting agencies on multiple occasions regarding the incorrect information on my credit reports. I have contacted them directly in writing and via the Consumer Financial Protection Bureau ( CFPB ) complaint portal. 

XXXX has never contacted me directly. I have never received information from them. They failed to validate/ verify within the timelines provided by the FDCPA yet continue to assert a claim over me via the credit reporting agencies. This is illegal. By law, XXXX must stop all collection attempts, including reporting to agencies. 

All credit reporting agencies have claimed to have done an investigation regarding the supposed debt and found the debt to be accurate. This is either a lie or a huge mistake. 

If they had in fact investigated, they would have found that XXXX has no proof of anything at all. 

- Did XXXX send me any information regarding the alleged debt and that I have a right to request verification and/or validation? No. 

- Once I saw the XXXX account on my credit report and requested verification / validation from XXXX, did they reply to me? No. 

- Did any of the credit reporting agencies provide me with any proof that they 1 ) did an investigation at all, and 2 ) received proof / verification/ validation from XXXX? No. 

Instead, what the reporting agencies did was move XXXX from an the original creditor to and active collections account to a closed account. None of these changes fixed the problem of an inaccurate account on my file. Instead, it just proved that no one has any information but rather they are determined to post something - anything- negative on behalf of XXXX. 

By law, they can not randomly change things around and call it " fixed. '' By law, inaccurate information must be removed. 

XXXX has no proof that they verified/ validated the debt- or even contacted me at all- because they did not. As a result, no credit reporting agency has this information from any supposed investigation. 

By law ( FDCPA for XXXX and FRCA for all 3 reporting agencies ), must immediately stop collection attempts, including the reporting of this information on my credit file. 

It should not take MONTHS of my life to assert my rights under the above-named federal laws.
Consumer complaint received 2018-11-16
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: STATE FARM BANK, FSB (GA)

I have applied for a auto loan with State Farm Bank.

I currently have a auto loan with State Farm and the company denied the loan application because they are saying there is possible fraud in the past that is connected with XXXX XXXX. Then the agent agent asked me do I know XXXX XXXX. The agent said any car loans that I apply with through State Farm bank they will turn it down because my name, social security number is in the fraud department. I do not think this is right. My credit is credit worthiness and it is not legal for them to deny any loan that I apply for. I really feel bad that I am going through this situation currently. The company told me that they will never approve me for a loan, everything that I apply for will get denied, and I will not be able to get any banking loan approved no matter how well my credit is or how good my employment is.
Consumer complaint received 2023-09-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Velocity Portfolio Group (TX)

I didnt pay a loan back to XXXX that was entered into on XX/XX/XXXX in the amount of {$19000.00}. On my credit report it showed XXXX balance, closed, written off. 
In XX/XX/XXXX, a resident from my previous address ( I had moved and filed a change of address on XX/XX/XXXX ) notified me a note had been left on their door. It said they were trying to serve a notice to XXXX XXXX and provided a phone number. I immediately contacted the agent seeking to find out what it was about. I gave her my current address, and was served the notice that I was being sued by Velocity Investments , LLC on XXXX XXXX, XXXX. It was filed on XXXX XXXX. The amount claimed is {$19000.00}. I had no idea who they were or why they were suing me. They did not notify me they bought the debt and I owed them. I had informed delivery thru XXXX and have checked records of mail received at my old address between XX/XX/XXXX and XX/XX/XXXX. There was no written communication from them. I requested the court dismiss the case but the judge denied the request. I am representing myself because I cant afford an attorney. 
On XXXX emailed a settlement offer of {$6000.00} to their attorneys. They did not respond to my email. They called me. I called them back and was told if I paid 85 % of the loan within XXXX mos that would be the least they would do. Any other payment plan would be for the full amount.She also told me it would be a judgement regardless of how I paid it. On XX/XX/XXXX I requested via email written instructions on how to repay the debt. They have not responded. I have been unable to work or function as I did prior to this surprise lawsuit. If they had communicated with me I would have taken care of my responsibility without a lawsuit.
Consumer complaint received 2024-07-17
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: SYNCHRONY FINANCIAL (NY)

A pep boy charge card suddenly showed up on my credit report. Saying I opened it in Florida and was taking my car in for repairs there in XXXX when I have been living in NY for XXXX years now. Someone did pay some of the charges but then stopped and now that card show up on my account. I called pep boy fraud and they told me they couldnt find anything in my name
Consumer complaint received 2024-07-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (FL)

Commencing on or about XX/XX/2024, I fell victim to XXXX multi-layered scam operations run by XXXX XXXX ( Fraudulent company ) which involved me making deposits for a total amount of XXXX USD from my Chase bank account to fraudulent investment firm ( s ).