davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: JPMORGAN CHASE & CO. (NY)

In accordance with the Fair Credit Reporting Act the creditors have violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a late payment on a credit card account under an open end consumer credit plant as late for any purpose.
Consumer complaint received 2024-02-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

About XXXX XXXX, I received an email from Citizens Bank congratulating me on opening an account at that bank. I DID NOT open an account with Citizens Bank. Another email informed me that funds to establish the account at Citizens would be transferred from a XXXX XXXX  account. I DO NOT HAVE a XXXX  account. I called the local Citizens branch and spoke with someone there who assured me the account information would be purged. I received a subsequent email telling me the new Citizens account could not be funded. ( Obviously since I do not have a XXXX account from which funds were to be transferred! ) About XXXX XXXX, XXXX, I received a credit card from Citizens with a credit limit of {$9000.00}. I DID NOT apply for a Citizens credit card. Again, I called Citizens. The credit card account was subsequently closed, according to a letter I received from Citizens. 
I fear there may be more of these fraudulent assaults on my financial status.
Consumer complaint received 2023-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-22
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (FL)

On XXXX I was contacted by Hunter Warfield to request payment based on the move out calculation provided by XXXX XXXX XXXX XXXX XXXX. I advised Hunter Warfield that I was waiting on Goal Properties to provide me with the final amount that was due. I advised Hunter that I sent a response to their demand for payment. Hunter Warfield requested that I provide them with a duplicate of the demand via their website. On the same day of the call, I sent an email to Hunter Warfield to demand proof of the debt.

I advised Hunter Warfied in my letter of the followi
ng : On XX/XX/XXXX I was contacted by Hunter Warfield to request payment of {$3600.00}. The agent advised Hunter Warfield followed with the Property Manager in XXXX and the Property Manger confirmed the amount of {$3600.00} was the correct amount. 


Hunter Warfield is making demand for the initial move out calculation amount of XXXX on behalf of XXXX XXXX XX/XX/XXXX However, XXXX XXXX confirmed via email the amount of XXXX would be decreased based on information that I provided to them. The information that was provided provided support for why specific charges shold be removed or decreased. To date, XXXX XXXX has not provided confirmation of the final that would be due once the agreed charges were removed/decreased. As a result, Hunter Warfield is making a demand for the incorrect amount.
Consumer complaint received 2024-07-23
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation (TX)

Potential TILA Violation : Issue : The TILA requires that the finance charge includes all fees and costs associated with the loan. If the finance charge does not accurately reflect all such costs, this could be a violation. 

Upon reviewing the provided document, here are some key observations : Annual Percentage Rate ( APR ) : 30.34 % is disclosed. 
Finance Charge : {$3700.00} is disclosed. 
Amount Financed : {$5000.00} is disclosed. 
Total of Payments : {$8700.00} is disclosed. 
Payment Schedule : The schedule is clearly outlined, with the first payment due on XX/XX/year> and subsequent payments on a monthly basis. 
Late Charge : 5 % of the entire amount of the payment if not paid within 10 days after the due date. 
Evaluation : Finance Charge Components : The document does not provide a detailed breakdown of what is included in the finance charge. TILA requires that the finance charge include interest, service charges, transaction fees, loan origination fees, credit insurance premiums ( if applicable ), and any other fees imposed by the creditor as a condition of the extension of credit.
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc. (NY)

Request for Security Freeze on Credit Report Dear Sir/Maam : 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 Date of Birth : Date of Birth : XX/XX/1984 Social Security Number : SS # : XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX , New York 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
Consumer complaint received 2015-11-13
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: POPULAR BANK (TX)

Loan Insurance Fee Scams ( XXXX ) Companies : Financial CorporationInstant Phone Cash XXXX XXXX XXXXE-Loan IncXXXX XXXX : 25 times per day per phone lineNotes : automatic recorded voice messageFunding : XXXXLocation : XXXX XXXX XXXX service : rude and request bank account informationRequest debt not owedNever sent funds for {$23000.00} {$10000.00} {$3000.00} {$4000.00} $ XXXX XXXX XXXX XXXX XXXXDebt : $ XXXX/monthTerm : 36 monthsRequest bank account informationXX/XX/2015 XX/XX/2015Company phone numbers : Representative : XXXX XXXX Email addressDown payment on loan : {$730.00} up frontEmployer : XXXXConfirmation : XXXXDirect Contact number : XXXXXXXX XXXXconfirmation number : XXXXContact number : XXXXDebt : $ XXXX/monthTerm : 22 monthsXX/XX/2015 XXXXRepresentative : XXXXDirect lendingLoan : $ XXXXDebt : $ XXXX/monthRefundable loan insurance : {$150.00} up frontXX/XX/2015 XXXXReported Companies Telephone Numbers To CFPB Via XXXX XXXX ( XXXX ) XXXXunknown/privateFri XXXX/XXXX/2015 XXXX XXXXELOAN XXXX XXXXXXXXXXXX XXXX HELLO, YOU ARE APPROVED FOR A LONG TERM PERSONAL LOAN. 
MINIMUM {$5000.00} AND MAXIMUM {$25000.00}. 
YOU DO N'T HAVE TO PAY ANYTHING TO GET THE LOAN. 
YOU NEED TO HAVE A PROPER BANKING CHECK-IN/BUSINESS ACCOUNT. 
YOU NEED TO HAVE ONLINE BANKING FACILITYYOU NEED TO PROVIDE XXXX COPY OF IDENTITY PROOF AND XXXX PASSPORT SIZE PHOTOS. 
YOU NEED TO REFER LOAN APPROVAL PAPERS CAREFULLY. 
YOU NEED TO PROVIDE US AN ELECTRONIC SIGNATURE. 
WE DO N'T WORK WITH PREPAID ACCOUNTSIF YOU ARE REALLY IN NEED OF QUICK LOAN AND YOU ARE SERIOUS ABOUT THIS LOAN APPROVAL THEN PLEASE CONTACT ( XXXX ) XXXX, XXXX XXXX XXXXE-LOAN INCUNITED STATES
Consumer complaint received 2024-06-10
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: CAROLINA FINANCE, LLC (NC)

I just recently looked at my credit report XXXX. I saw some hard inquiries that did not have a permissible purpose, I also attached evidence : Name : Auto-financing Address : XXXX XXXX, XXXX XXXX, NC XXXX 1. these inquiries has no permissible purpose to be on my report, delete these inquiries due to violation of 15 USC 1681 B
Consumer complaint received 2024-02-22
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RentDebt Automated Collections, LLC (CA)

Date * XX/XX/2023 Date * XX/XX/2023 Date * XX/XX/2023 Date * XX/XX/2023 Date * XX/XX/202XXXX XXXX has all these dates documented along with the collection comppany I have repeatedly asked them to send me prof of who used my information and they have failed to send me the information
Consumer complaint received 2023-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc. (FL)

Request for Security Freeze on Credit Report Dear Sir/Maam : 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 of Birth : Date of Birth : XX/XX/year> Social Security Number : SS # : XXXX Current Address : 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
Consumer complaint received 2024-02-21
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: Rocket Mortgage, LLC (NC)

I sold my house in XX/XX/XXXX, on or about XX/XX/XXXX I request a payoff from rocket mortgage. They sent a payoff in the amount of XXXX, which was good until XXXX XXXX. The closing attorney sent the check on XX/XX/XXXX, with XXXX tracking. XXXX tracking said the check arrived and signed for on XX/XX/XXXX. Rocket mortgage continue to impacted my credited score in the following month to the point where I sent them XXXX on advice of my realtor. Also about this time I talked to the my closing attorney about the payoff, they stated both mortgage has not be paid off. On XX/XX/XXXX, I received a email from rocket mortgage stated that I missed the last XXXX months payment and that every miss payment is a step closer to foreclosure. I call Rocket mortgage that same day, I asked why they have not closed my account. The worker told me that the payoff was XXXX dollars short and that they shredded the check. I asked them how was it XXXX dollars short? The worker stated that they paid the taxes and the escrow did not have the money for that. They paid the taxes on XX/XX/XXXX and then that change the payoff amount. The Tax office does not have any record of them sending the check for the taxes. Then Rocket Mortgage stated they would need another payoff in the amount of XXXX. Which the closing attorney is going to send out today XXXX XXXX, XXXX.
Consumer complaint received 2018-03-12
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc. (CA)

My loan servicer changed from XXXX now to XXXX ( Nelnet ). My loan interest rate was reduced to 0 % with a loan modification I did a few years ago. Now Nelnet is charging me a 1 % interest rate and has already applied interest to my loan! This is disturbing beyond belief!
Consumer complaint received 2024-05-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

FCRA 605B mandates the removal of any incorrect accounts from my credit report, I believe. Could you please verify this by examining the documents? Some of the listed accounts are inaccurately reported in terms of amounts and dates.
Consumer complaint received 2024-02-21
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Valentine and Kebartas, Inc. (FL)

I received the email below to XXXX and this isn't my debt. I have not contacted them due to the chance I have to pay or they would use the contact info against me. They disclosed this person 's personal info to a 3rd party- me. 





Valentine & Kebartas , LLC XXXX XXXX XXXX XXXX, MA XXXX XXXX OFFICE HOURS : MONDAY XXXX TUESDAY-THURSDAY XXXX FRIDAY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Account No. : XXXX Current Creditor : XXXX XXXX XXXX Original Creditor : XXXX Current Amount Due : {$4900.00} Last Four Digits of Original Account # : XXXX Settlement Offer Dear XXXX XXXX, This letter is to inform you of our current ability to offer you discounted options to settle the collection account listed above in full. 

Upon satisfying the account, XXXX XXXX XXXX will remove this account from your credit bureau report. Please note, this applies only to the tradeline report by XXXX XXXX XXXX and will not affect the tradeline of the original creditor or any other third party. 

Our client wants our records to reflect that they have made every attempt to resolve this matter. Please see the options listed below and be advised we are not obligated to renew these options after the dates listed below : Take advantage of a 30 % discount by making a one-time payment of {$3400.00} on or before XX/XX/2024. 
Take advantage of a 20 % discount by making XXXX consectuive monthy and equal payments of {$1300.00} on or before XX/XX/2024 and the XXXX of the next XXXX consecutive months. 
Take advantage of a 10 % discount by making XXXX consecutive monthly and equal payments of {$740.00} on or before XX/XX/2024 and the XXXX of the next XXXX consecutive months.. 
Take advantage of a 5 % discount by making XXXX monthly and equal payments of {$520.00}, the first payment on or before XX/XX/2024 and the XXXX of the next XXXX consecutive months.. 
If you are interested in XXXX of these offers, please call XXXX to speak to XXXX of our representatives or return this letter with the offer you selected and your payment by the due date stated above. Upon securing XXXX of the above options, we will notify our client that a satisfactory arrangement has been made to settle the collection account listed above in full. 

You can click this link to make a payment on our portal XXXX XXXX XXXX XXXX/valentineandkebartasXXXX 
Important Notice This is an attempt to collect a debt. Any information obtained will be used for that purpose. 
This communication is from a debt collector.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I am reaching out to due to a form of identity theft. 
This account is not mine. As a consumer, I am aware that if I didnt give permissible purpose for CAPITAL ONE to report this account & it was done without my consent & is a form of identity theft per the law. If you fail to delete this account, I will have to proceed to taking further action. 
This account is not mine & needs to be deleted. 

CAPITAL ONE - XXXX Last XXXX digit SSN - XXXX
Consumer complaint received 2024-02-20
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY (FL)

I am writing to file a formal complaint against Wells Fargo Dealer Services ( WFDS ) for violations of the Fair Credit Reporting Act ( FCRA ), specifically sections 12 CFR 1006.34 and 15 USC 1681-S2 ( 7 ) ( A ), as well as my rights as a consumer under the FCRA and other relevant laws. Additionally, I am a victim of identity theft, further complicating this matter. 

It has come to my attention that a collection agency, acting on behalf of WFDS, has placed a collection account on my consumer report without providing the necessary validation information as mandated by 12 CFR 1006.34 ( b ) ( 5 ). Despite this omission, the collection agency has proceeded to report this account, depriving me of the opportunity to dispute the account as outlined in 12 CFR 1006.34 ( c ) ( 4 ) ( i ). Such actions by the collection agency constitute a clear violation of my consumer rights and the provisions of the FCRA. 

Furthermore, it is evident that the collection agency has engaged in misleading, misrepresentation, and deceptive practices, which are expressly prohibited by law. This not only undermines the integrity of the credit reporting system but also infringes upon my rights as a consumer. 

Additionally, the collection agency lacks the authority to furnish any account to consumer reporting agencies without providing the requisite disclosures, as stipulated by 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ). Their failure to adhere to these legal requirements further compounds the issue at hand.

I hereby request that the Consumer Financial Protection Bureau re-investigate these accounts and verify their accuracy. I also request full debt validation, including the purchase agreements between WFDS and the original creditor, to be provided to me for my records. 
Furthermore, I remind the Consumer Financial Protection Bureau of its obligation under 15 USC 1681i to conduct a fair and thorough investigation into the matter, rather than placing the burden solely on the furnishers of information. 

the following item ( s ) To be FRAUDULENT Fraudulently REPORTING WELLS FARGO Account Number : XXXX
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc. (MA)

Request for Security Freeze on Credit Report Dear Sir/Maam : 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 Date of Birth : Date of Birth : XX/XX/year> Social Security Number : SS # : XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX, Massachusetts 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
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MRS BPO, LLC (FL)

On XX/XX/XXXX I closed my XXXX XXXX XXXX XXXX account. My credit report on all 3 reporting agency 's shows a collections from a company called MRS BPO LLC XXXX XXXX XXXX, XXXX XXXX, NJ XXXX ( XXXX ) XXXX for {$1600.00}. When I contact MRS BPO they state to call XXXX XXXX XXXX. I have a letter from XXXX XXXX XXXX stating XXXX balance received on XX/XX/XXXX. I was never late only left XXXX XXXX XXXX for cheaper XXXX XXXX. 
I have had the same address, e mail, phone # for XXXX years. NEVER had any communication about a balance due to XXXX XXXX XXXX and NEVER had communication from MRS BPO LLC for money owed. I noticed this by looking at my CR because my score went down. Calling MRS BPO several times only gets a person that is not in the USA and repeats " you have to call XXXX XXXX XXXX  '' THIS IS FRAUD, I OWE NOTHING FOR THIS OR ANY OTHER COMPANY OTHER THAN MY PAYMENTS TO LOANS IN GOOD STANDING AND I HAVE NEVER BEEN LATE. 
Please contact me if you need any further proof that I owe MRS BPO and or XXXX XXXX XXXX any Money. 
Thank You XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: HYUNDAI CAPITAL AMERICA (MO)

I have contacted Hyundai Motor Finance regarding issues using their online payment system not working since XXXX. I have had to call in to pay payments every month and they want to charge XXXX per month to pay the payment over the phone when I should be able to make it on the website. They refused my payment today and I am tired of the hours spent to solve this issue.