davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-20
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (MA)

My American Express card required a payment by XX/XX/2024. A credit in the amount of the payment due posted on that very same day, XX/XX/2024. Therefore, no further payment was due for that statement. However, American Express charged me a late fee of {$29.00} for that statement cycle. When I called about it, I was refused a reversal of the fee. I was told that although the statement shows the credit posting in time on XX/XX/2024, the process did not complete until the next day. 

I explained that the date on the statement claims the credit was received on XX/XX/2024, the date by which a payment was due, and so that printed date is the appropriate reference. But neither the representative, her supervisor, nor the supervisor 's manager reversed the fee. Each claimed that the system did not permit it. If so, American Express has a system of charging customers late fees for amounts showing as already credited on statements. This system is misleading and unfair to consumers. American Express should be required to change it. I also request a reversal of the fee of {$29.00} posted to my account.
Consumer complaint received 2024-02-21
Product: Student loan — Private student loan
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: MPOWER Financing, Public Benefit Corporation ()

Hello greetings to you dear representative, probably I applied to study in XXXX from the MPOWER Financing student loan hopefully I believe to accomplish my future through this wonderful experience that MPOWER Financing is trying to make it easier for me, but in return with a sad news that my student loan was not approved due to " Delinquent past or present credit obligations '' Rather I appeal to CFPB as reference in backing up my student loan to accomplish my journey studying in XXXX, so be it to resolve any company credit report, thank you so much. 
Sincerely.
Consumer complaint received 2023-09-02
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Upgrade, Inc. (CO)

I applied for a debt consolidation loan through XXXX XXXX with upgrade back in XX/XX/2022. I thought my rate was going to be lower than {$220.00} a month. They have you put in what cards you want paid but I never signed anything. I received an email on XX/XX/XXXX stating my loan was approved. I emailed them and told them I wanted to cancel the loan. I then received and email someone would contact me but did not. I thrn called them on XXXX and was told I could not cancel. This loan is breaking me and cant afford it.
Consumer complaint received 2022-11-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. 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. 

XXXX  XXXX XXXX XX/XX/XXXX {$170.00} XXXX XXXX XXXX XX/XX/XXXX {$600.00} XX/XX/XXXX XXXX  15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
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 XXXX of Birth : Date of Birth : XX/XX/year> Social Security Number : SS # : XXXX Current Address : 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 2024-06-10
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: Mercedes Benz Financial Services (NY)

I would like to dispute XXXX unauthorized inquiries that appears on my credit report from MB FIN SVCS and XXXXMERCEDES BENZ XXXX XXXX I did not authorize Mercedes Benz to perform a credit check and these inquiries was made without my consent. These inquiries are dated XX/XX/year>, and they're affecting my credit score negatively. I request that these unauthorized inquiries be investigated and removed from my credit report immediately. Thank you for your prompt attention to this matter.
Consumer complaint received 2024-02-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ACIMA CREDIT, LLC (PA)

Date : XX/XX/2024 To : Acima Digital FKA simp XXXX XXXX XXXX, CA XXXX Account # XXXX Dear Acima This letter is to formally dispute the debt you are attempting to collect from me and your subsequent inclusion of this disputed debt on my credit report. I am writing to you specifically concerning your actions in violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), including : 12 C.F.R. 1006.34 ( b ) ( 5 ) : This regulation requires you to send a validation notice within five days of initial communication concerning the alleged debt. I have not received such a notice.

12 C.F.R. 1006.34 ( c ) ( 4 ) ( i ) ( ii ) : What you claim the debt is valid based on? However, I dispute this claim for the following reasons : Not my Account.

12 C.F.R. 1006.34 ( g ) and 15 U.S.C. 1681-1687 : By placing this disputed debt on my credit report before providing a proper validation notice and verifying its accuracy, you have violated both the FDCPA and the FCRA. Additionally, your claim that you have " no authority to furnish any account to a consumer report agency required by law '' is misleading and misrepresents your actions. 
Therefore, I demand the following immediate actions : Cease all collection efforts related to this disputed debt. 
Remove the debt from my credit report with credit bureau ( XXXX ). 
Provide written confirmation of both actions within 30 days of receiving this letter. 
Please be aware that if you fail to comply with my demands, I will be forced to pursue further legal action against you, which may include reporting your violations to the Consumer Financial Protection Bureau ( CFPB ) and/or filing a lawsuit in civil court. 


Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Phone # XXXX
Consumer complaint received 2024-02-21
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: AMERICAN HONDA FINANCE CORP (MS)

2019 right when XXXX hit many people were out of work and in my line of work as XXXX they decided bot to work with me XXXX shut everything down and being a XXXX  XXXX we have rules in place that support and XXXX XXXX refused to extend my loan nor did they want to work with XXXX on payments the vehicle was taken back and I was out of work due to XXXX  I had no transpiration sine the reclaimed the vehicle, y whole life was ruined and I lost my home drained my XXXX had to maintain XXXX XXXX XXXX XXXX XXXXXXXX XXXX and helping my XXXX  mother and grandmather both XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 1 year apart same moth and a different year
Consumer complaint received 2018-12-12
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CA)

Hi, I am part of the hundreds of customers that were denied a home loan modification by Wells Fargo in XX/XX/XXXX-XX/XX/XXXX when experienced financial distress due to employer furloughs and other financial reasons. I sent loan modification packages to Wells Fargo for 2 years and then, due to the loan modification denials, I was forced to short sale my home. 
Since a few months ago I have been in contact with Wells Fargo and they say that their " computer glitch '' did not affect their calculations and that my case is not elegible for financial compensation. 
I believe they are wrong and that my case needs to be investigated by an independent.
Consumer complaint received 2024-02-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY (MI)

I noticed my information was compromised including my ID, social security card info and my credit in XXXX of XXXX. I ordered my credit report and noticed two American Express accounts. I went to the XXXX XXXX XXXX XXXX police department and I received a police report for the two accounts. PLEASE have them REMOVE FROM MY CREDIT REPORT. These are fraudulent accounts and I did not authorize these accounts to be open in my name. I spoke to American Express and they are refusing to remove the fraudulent accounts. 

American Express : Account number : XXXX Date fraud began : XX/XX/XXXX Date discovered : XX/XX/XXXX Amount : {$5000.00} American Express : Account number : XXXX  Dare fraud began : XX/XX/XXXXXXXX  Date discovered : XX/XX/XXXXXXXX  Amount : {$1200.00}
Consumer complaint received 2024-02-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (NJ)

This company has violated my rights to privacy pursuant to the Privacy Act of 1974 and has purchased my non public personal information without my consent. I do not and never had a contract with this company. I have sent the company, Resurgent Receivables LLC, disputes and correspondences asking them to provide me with proof that they are licensed and/or bonded to collect in my state. I never did business or signed a contract with this third party which means they can not legally collect on a debt they allegedly say I owe. I asked them to explain to me how you are able to collect because I checked XXXX to verify and they are not licensed or bonded to collect in New Jersey. 

P.s. I attached the proof that they aren't licensed or bonded to collect in New Jersey.
Consumer complaint received 2024-02-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: SELECT PORTFOLIO SERVICING, INC. (OH)

My name is listed as co-owner on a property, however a now deceased member had the mortgage in her name. I called Select Portfolio Servicing ( SPS, XXXX ) requesting a pay off amount in order to get a loan through another lender. I provided initial requested documents such as the death certificate and was told they have 30 days to review the documents before making a decision or requesting additional documents, then SPS requested probate documents. The property did not go through probate which I stated. SPS informed me the only way to move any further with the process was to put the property through probate and advised that I seek the services of an attorney. SPS has refused to provide a payoff amount or even an amount to pay until all paperwork is completed to keep the loan on good terms. Additionally I received different answers from up to three different Relationship Managers, customer service, in the same day. I offered to come to the office and was told there is no physical office nor do the underwriters speak with customers directly. 
I spoke with the following Relationship Managers on the following dates : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX who said the dedicated person for the account is XXXX at XXXX ext XXXX, XX/XX/2024 left message for XXXX but did not receive a call back, XXXX XX/XX/20XXXX XXXX XXXXXXXX put on hold for XXXX minutes to get to higher level XXXX who recommended I seek the services of an attorney.
Consumer complaint received 2023-04-12
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: EQUIFAX, INC. (NJ)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and remove them immediately in my report : XXXX & XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-02-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (FL)

I.C. System INC is sharing my nonpublic personal information with non affiliated third parties XXXX, XXXX XXXX XXXX. I.C. System INC does not have my consent to have and share my private personal information. They are violating my right to privacy as a consumer, reporting inaccurate, false, damaging information to the consumer reporting agencies. They are in violation of multiple federal laws.
Consumer complaint received 2023-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (KY)

Description 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. 
Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 
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 2024-02-20
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Real Time Group, Inc. (NY)

We had an XX/XX/20 mortgage on a home bought in XXXX the mortgages were sold repeatedly. We stopped hearing from the owners of the 20 % mortgage over 10 years ago but have remained current on the 80 % mortgage. We recently received Intent to Foreclose documents from the new owners of the zombie 20 % mortgage that we have not heard from in over 10 years.
Consumer complaint received 2024-06-08
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (CA)

Hello, Last year, I closed an account ending in XXXX XXXX XXXX XXXX XXXX XXXX XXXX. After a month, I paid the last bill pro-rated, as stated by the XXXX XXXX XXXX representative. I began to receive debt collection communication from Sunrise about a debt amount of {$46.00}. The Sunrise account number is # XXXX. 

I did not receive any type of communication from XXXX XXXX XXXX about this. I tried calling, but unable to get through. I do not owe this debt as this account shouldn't be open in the first place.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: M&T BANK CORPORATION (PA)

I submitted a complaint with CFPB about M & T bank running a inquiry on my XXXX report on XX/XX/XXXX. I received a response from M & T bank indicating that they will remove the inquiry with XXXX. As of XX/XX/XXXX, the unauthorized inquiry remains on my report. 

M & T Bank didn't follow through with what they said they would do. Please help me resolve this on going matter
Consumer complaint received 2023-06-27
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: EQUIFAX, INC. (MD)

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.
Consumer complaint received 2024-02-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY (NY)

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY. THE CREDIT REPORTING AGENCIES XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX HAVE VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISED INFORMATION WITHOUT MY CONSENT. INCLUDING THE FOLLOWING ACCOUNTS AMEX XXXX ON MY CONSUMER REPORT. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681B, which outlines the permissible purpose of consumer reports. I have requested Form SSA-89 from AMEX Inc WHICH IS A FORM THAT SHOULD BE FILLED OUT, THEN SIGNED BY THE CONSUMER ( MYSELF ) AS PROOF OF APPLYING FOR THE SAID CREDIT. THE CREDITOR THEMSELVES DO NOT HAVE SUCH DOCUMENTATION AS THS, WHICH MEANS THEY HAVE FAILED T DO THEIR JOB AS A RESPONSIBLE CREDITOR AND KEEP SUCH FILES IN THEIR RECORDS FOR THESE REASONS, SO THAT IF IT IS REQUESTED WE WILL KNOW WHO, WHAT WHDEN AND WHERE TO PROCEED ON SAID CASES AS THIS IN THE EVENT OR FRAUD AND IT IS DEEMED AS SO MY PRIVACY HAS BEEN VIOLATED AS WELL 5USC55SA!!!! IAM NOW TRYNG TO PURCHASE A HOME AND THIS IS THE ONLY ITEM NEGATIVELY AFFECTING MY CREDIT IN THIS CASE. PLEASE REMOVE IN THE 1-4 BUSINESS DAYS AS THE DISPUTING TIMEFRAME HAS BEEN ELAPSED AND THE SAID FORM NOT RECEIVED. THANK YOU FOR YOUR PROMPTNESS.
Consumer complaint received 2024-02-20
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: PLANET HOME LENDING, LLC (CA)

On XX/XX/2023 I signed a note and deed of trust for a mortgage. I believed that after signing the note it would be hypothecated and securitized to pay off the loan. I received a letter from the lender saying someone else is servicing the loan. The servicer reached out to me with their information only but no disclosures as of their terms and conditions only where to send payments as if i never gave them a security. The lender is in breach of contract because they did in fact securitize the note but never applied it to the principal as stated in the deed of trust under section 2 APPLICATION OF PAYMENTS. Also, The lender never signed the note or the deed of trust so these are not even valid contracts. And they never perfected a lien. I believe the lender has engaged in securities fraud.
Consumer complaint received 2022-11-24
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. (NC)

I want to inform you again that I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any item listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission. 
XXXXXXXX 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 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 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
Consumer complaint received 2024-06-08
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC (MA)

On XX/XX/XXXX I paid XXXX for a fraud account because they kept saying I owed money. I then disputed the account as fraud and submitted a fraud package to their agency. Later, via this process with the XXXX  XXXX verified that the account was fraud and discharged the debt claiming that they notified their debt collectors WAYPOINT RESOURCE GROUP to cease and desist. However, yesterday on XX/XX/XXXX, XXXX put that same account back into collections and dropped my credit score ( despite me paying for the fraudulent account already ). This is an unscrupulous and shady practice to keep adding my name to collections when theyve received payment AND deemed the account as fraud.
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the XXXX Credit Billing Act, XXXX XXXX XXXX. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.