davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (CO)

NewRez placed lender based insurance when I had clear proof of insurance. Sent Certificate of Insurance to NewRez several times and was still placed with additional insurance. Requested refund and was told the lender policy was canceled, yet it is still in my escrow and I am being told to pay it or risk additional fees. This is complete FRAUD!
Consumer complaint received 2024-06-11
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION (GA)

The car had been wrecked and I was not made aware initially. Also I lost my income and had trouble making payments so the companys solution was to raise my payments instead of lowering them giving me the opportunity to try and pay them and keep from losing my car and all the money I had already paid on it. I wasn't giving the chance to remove my personal belongings before it was repossessed. I've applied for XXXX, have no income and haven't had steady income since I lost that car. I can't financially pay balance owed. I feel by them increasing my payments instead of lowering them they were forcing the situation to achieve a repossession. And didn't genuinely regard all the time and money I had invested in paying for the car and helping me to apply it off. I called and asked one time what was left o wed on the car and was told a higher amount that actually was owed. So this company had some shady practices and in the repo business
Consumer complaint received 2024-06-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. ()

I've been dealing with this since XXXX of last year XXXX They closed my account and I have not received my money back since that day. They asked for the full names and phone number of all my clients who paid me in checks cashiers check and money orders. in total I have {$54000.00} Dlls stuck with them. I had my lawyer look into which I paid {$57000.00} DLLs in total. Every time I call they tell me they need to verify the checks I gave them almost a year ago.
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SANTANDER HOLDINGS USA, INC. (CA)

In XX/XX/XXXX the company 's received notice from the consumer to remove all personal information regarding transactions and experiences between parties from all reports delivered to third party agencies. Upon their failure to comply additional notice was delivered as followed : Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I, the consumer, may have given you written, unwritten, verbal and nonverbal per 15 USC 6802. Promptly remove all our transaction and experience details from credit reports immediately and indefinitely. Your current malpractice is a violation of the Privacy Act of XXXX.
Consumer complaint received 2024-06-11
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Bread Financial Holdings, Inc. (TX)

I tried to reach out to the company to fix the problem they told me that I had to use my account by XX/XX/XXXX or that it will be close for inactivity. I use the account on XX/XX/XXXX. I have a receipt the purchase agreement and signature. My XXXX also has the sequence code, they started to work on my teeth and XXXX XXXX XXXX, then lending club closes my account due to inactivity. They then said that the charge did not post or show on my account yet. Only the promotion does my doctors office has the fax confirmation the bill my signature, the sequence code purchase agreement with the date and everything, and they still closed out my account and have not opened it, and the dental work has already begun and started on my teeth, I have reach out to them and theyre telling me its nothing that can be done yet. They illegally closed out my account. I did use the account before the deadline and I have the proof of purchase and receipt in my dentist has the sequence code. I want them also to be held liable for damaging my credit report. I now have a closed account showing on my credit profile which I shouldnt have because I did use the account and I have all the documents to prove it when you make a purchase you also have to make a purchase over the phone with a purchase XXXX through customer service so XXXX of their agents even push the purchase through.
Consumer complaint received 2024-06-11
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: CL Holdings LLC (IL)

I previously filed a complaint with the CFPB regarding an erroneous report by Jefferson Capital Systems on my credit report. In response to my complaint, Jefferson Capital Systems stated, " This is in response to the complaint we received via the Consumer Financial Protection Bureau on behalf of XXXX XXXX regarding the XXXX XXXX  debt that we acquired in his name, which is now associated with JCS Reference # XXXX. Our records reflect that we mailed a Right To Dispute letter on or about XX/XX/year>. However, in an effort to resolve this matter, we have terminated collection efforts on the debt. Be advised that we requested the credit bureaus delete our tradeline on XX/XX/year>. Thank you for the opportunity to respond. '' Despite their assertion that they requested the deletion of the tradeline on XX/XX/year>, the erroneous item remains on my XXXX credit report as of my most recent report dated XX/XX/year>. This continued presence of inaccurate information is causing significant distress and negatively impacting my credit score.
Consumer complaint received 2024-03-19
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SANTANDER HOLDINGS USA, INC. (FL)

PLEASE REMOVE OR DELTE ALL OF THE FOLLOWING UNAUTHORIZED FRAUDULENT ACCOUNT FROM MY CONSUMER REPORT. 

SANTANDER CONSUMER USA ACCORDING TO THE FCRA IT IS A VIOLATION. I AM UNAWARE OF THIS DEBT. I DID NOT HAVE THE OPPORTUNITY TO DISPUTE THIS DEBT. I DID NOT RECEIVE PROPER NOTIFICATION. IF IN FACT YOU BELIEVE I RECEIVE PROPER NOTIFICATION. PLEAE PROVIDE THE CERTIFIED MAIL WITH THE RECEIPT WITH MY WET SIGNATURE ON THERE STATING I RECEIVED IT.
Consumer complaint received 2024-06-11
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (NJ)

Company : AAAXXXX/Advantage ( COMENITY CAPITAL BANK - Bread Financial ) Due to an unfortnantly medical diagnosis within my family, I fell behind XXXX  months on this account. I agreed to close my account with their collections department and they would put me on a XXXX month repayment plan at XXXX  % interest. I agreed to make a large payment to cover several months of back payments to help bring my account to a " current '' status and after this payment was made, I agreed to pay {$420.00} a month at XXXX % interest for XXXX months which included having to schedule automatic monthly payments directly debited from my bank account This was back in XXXX of XXXX. Nothing has changed on this account as I continue to get charged interest and fees on this account monthly and it continues to report late on my credit report. 

I have tried reaching out to compay via telephone and email and have not had any success. I received canned email responses that ignore the details I have provided. A telephone number to their collections department that is not in service ( XXXX ). When I call the general customer service line and can finally get thru to collections, I have been disconnected on more then one occasion as the representatives do not appear to be capable of understanding the problem. I have asked for details in writing of the XXXX % program which they were suppose to send to me when I agreed, however, the only thing I received from them was the confirmation of automatic scheduling of monthly payments for {$420.00}. 

This agreement was made XXXX XXXX, XXXX. 

Payments Made since agreement : XX/XX/XXXX - {$2000.00} XX/XX/XXXX - {$420.00} XX/XX/XXXX - {$420.00} XX/XX/XXXX - {$420.00} XX/XX/XXXX - {$420.00} Interest Charged since closing account and agreement to XXXX % : XX/XX/XXXX - {$320.00} XX/XX/XXXX - {$99.00} XX/XX/XXXX - {$370.00} XX/XX/XXXX - {$63.00} XX/XX/XXXX - {$340.00} XX/XX/XXXX - {$60.00} XX/XX/XXXX - {$350.00} XX/XX/XXXX - {$64.00} Late Fees Chared since agreement was made : XX/XX/XXXX - {$39.00} XX/XX/XXXX - {$39.00} XX/XX/XXXX - {$39.00}
Consumer complaint received 2024-06-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (SC)

I have been a chase bank customer for at least 2 years. I had 2 accounts at first, one checking and one savings account for my younger son. I stopped using my chase checking account recently and they closed it. Which was no problem. I decided I wanted to open a new checking account with chase and did so online. I set up my direct deposit from my employer to go that new account. I opened this account in early XXXX of this year. Two days before my first check was suppose to be deposited, chase sent me a text saying to call them and that my accounts were at risk of being closed if I didnt contact them. So I went to a branch in person. A banker sat down with me and called someone as they were confused on why my accounts were being closed also. And we got no where. I was told my accounts were being closed and the money did get deposited and I can not pull it out of the account. They told me I would just have to wait until they mail a paper check. Were going on XXXX weeks now with nothing from them. Not even a letter explaining why my accounts were closed, as they promised that also. So now Im without that pay check and just waiting.
Consumer complaint received 2023-09-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: WELLS FARGO & COMPANY (NY)

I have contacted Wells Fargo several times for the information I was provided by Wells Fargo lawsuit against them. I am concerned I have some one in the company my personal information and I still have not received my lawsuit money from them yet. Please help and tell what I need to do
Consumer complaint received 2024-06-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: JPMORGAN CHASE & CO. (TX)

In XX/XX/year>, I signed up for a trial period for XXXX XXXX. However, I used my company email to sign up and my personal bank card for charges. 
Unfortunately, I was laid off in XXXX and am no longer with my previous employer. Although the free trial has ended, I am still charged for XXXX XXXX even though I can not access the software because the login information is under my previous employer 's XXXX account. 
I contacted XXXX XXXX for assistance in canceling the subscription and closing the business account. XXXX XXXX. 
( XXXX ) informed me that I couldn't cancel the business account because I couldn't remember the login information and/or three verification criteria. 

XXXX XXXX XXXX XXXX XXXX told me I could not cancel the business account because I couldn't remember the login information and/or three verification criteria. The representative did not assist me in finding a solution, and I was informed that charges would continue despite my request to cancel the account.
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-11-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (MA)

1. Company has over 24 hr hold times to speak with agent 2. Their chat functionality does not work 3. They respond to emails in 4 or more business weeks What happened 1. Called EdFinancial, spoke to agent about different payment plan in XXXX. They approved and my monthly payment would be ~ {$240.00}. They said 3-4 business weeks to process so I asked about my XXXX payment since the new plan would not be processed by then. They confirmed both my XXXX and XXXX payments would be waived and I would begin paying in XXXX. 
2. I logged onto their portal and saw a balance past due in XXXX. Again, called and emailed company. Spent four hours on hold in XXXX and they confirmed same thing said they just had not updated system. 
3. When it came time to make my payment in XXXX, it was not the amount of my new payment plan and XXXX and XXXX were still marked as past due. 
XXXX. XXXX XXXX called again and they said that I was showing late for my XXXX payment because it had not processed. I paid five days prior to due date through online banking, with an account with plenty of money. Confirmed that it just had not processed and it should clear soon. Confirmed my monthly payment again would be {$240.00} per month 5. Week later receive email from EdFinancial stating my loan is in delinquency and I owe the XXXX, XXXX and XXXX amounts. Stated back to them I had spoke with three customer service reps and they waived XXXX and XXXX and XXXX was {$240.00} - which had been paid. 
6. Went into my account today on XX/XX/30 to pay XXXX and STILL see my payment plan has not been adjusted. Agent who emailed me has still not responded back and it has been several weeks.
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ID Analytics, Inc. (KY)

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 : XX/XX/1974 Social Security Number : XXXX Current Address : Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX KY 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 2024-06-11
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: ENCORE CAPITAL GROUP INC. (NJ)

XX/XX/year> they send me letters stating failure to comply with suspena will led to XXXX XXXX XXXX 

They garnished wages. XXXX XXXX has been take out XXXX till today. Total amount paid has been XXXX. Now on Friday XXXX XXXX the placed a bank levy on my account. For the amount of XXXX. XXXX XXXX Has been emailed and contacted, well XXXX, midland about this matter they are not doing anything. Coming Thursday this will take my money and moving forward court hearing is until XX/XX/XXXX. I have severe medical issues have also lost XXXX days of work due to failure to pay auto insurance. I have XXXX dollars until the XXXX. Also midland place private information regarding my job on this website make all aware of where I work.
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS (KY)

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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 2024-06-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CITIBANK, N.A. (CA)

I had a XXXX Home Depot illegally sent my account to outside collection company without properly notifying me. I was not given Due Process. I made numerous attempts to satisfy my debt at store and over the phone Home Depot refused to accept my payment. The Cops where called on me several times. Home Depot withholding information which a violation of common law USC 2071 Concealment, and also violating Judicial notice.Home Depot has violated numerous USC regulations and multiple constitutional rights. I should not be treated like this as a XXXX veteran.Home Depot is saying didn't discriminate against me but I asked for accommodations multiple times. I filed a federal lawsuit regarding these statues.
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Sequium Asset Solutions, LLC (CA)

REFERENCE NUMBER : XXXX REFERENCE NUMBER : XXXX ACCOUNT NUMBER : XXXX This complaint is a REBUTTAL to a response from XXXX XXXX XXXX / XXXX XXXX XXXX / SEQUIUM ASSET SOLUTIONS , LLC dated XX/XX/2024 regarding a dispute on the above account & reference numbers & also previous disputes regarding this account and reference numbers. 

You've responded to my previous DISPUTES with a statement stating that you have reported accurate information to my CONSUMER REPORT. First of all I have never asked if you are reporting accurate information! The LAW in 15 U.S.C. 1681a ( d ) ( 2 ) ( a ) ( 1 ) is very SPECIFIC. You are reporting a transaction on this account that CONGRESS defined in the consumer report where TRANSACTIONS or EXPERIENCES are NOT included in the consumer report. I never asked about ACCURACY, please stop providing me with information I did not ask for.

''15 U.S.C. 1681a ( d ) ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 624, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; " This is a specific section of the LAW that speaks SPECIFICALLY that TRANSACTIONS or EXPERIENCES between the CONSUMER ( I, XXXX XXXX ) and XXXX XXXX XXXX / XXXX XXXX XXXX / SEQUIUM ASSET SOLUTIONS , LLC are NOT included on the CONSUMER REPORT. Maybe you will need to re-read this section of the LAW or send this over to your legal department immediately. 

" 15 U.S.C. 1681n ( a ) In general. Any person ( CORPORATION ) who willfully fails to comply with any REQUIREMENT imposed under this title with respect to any CONSUMER is liable to that consumer in an amount equal to the sum of " - XXXX XXXX XXXX / XXXX XXXX XXXX / SEQUIUM ASSET SOLUTIONS , LLC is a CORPORATION - 15 U.S.C 1681a ( d ) ( 2 ) ( a ) ( 1 ) is a REQUIREMENT This is my FINAL dispute/rebuttal or letter of communication regarding this matter. If you persist to report information on my consumer report that is NOT included in my consumer report based on the guidelines of the FCRA, I will have no choice but to SUE you under section 1681n for CIVIL LIABILITY for WILLFUL NON COMPLIANCE. 

I DO NOT CONSENT TO THE REPORTING OF SUCH UNLAWFUL INFORMATION TO MY CONSUMER REPORT