davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (FL)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : 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 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (CA)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : DISCOVERBANK Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXX
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2024-09-15
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: RentDebt Automated Collections, LLC (KY)

Collections account appeared on credit report in amount of {$14000.00}. This far exceeds any back rent that I owed and landlord made no attempt to contact me regarding any additional amounts within state limits. I have received no communication on this debt.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: HW Holding, Inc (MO)

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 U.S.C 1681 HUNTER WARFIELD INC, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX credit report .15 U.S.C 1681 section 602 A state I have the right to privacy. 15 U.S.C 1681 section 604 section 2 it also states a consumer reporting angency can not furnish a account without my writing instructions 15 U.S.C 1681 ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer reports containing any of following items of information any other adverse items of information, other than records of convictions of crime which antedate the report by more than seven years. 15 U.S.C 1681 -2 ( A ) ( 1 ) a person shall not finish any information relating to a consumer reporting agency if the person knows or has reasonable
Consumer complaint received 2024-09-16
Product: Mortgage — FHA 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: Mr. Cooper Group Inc. (TN)

ex friend hacked into my accpoiunts back in XX/XX/XXXX spoof number gets really crazy so ill be short with this XX/XX/XXXX my payment posted then the hacker posted another one and i called tyhe mortgage company to have them take tghe second payment off they took both off hacker then rest of the month made more payments wich didnt clear i made a payment of {$140.00} on XX/XX/XXXX and another payemtn XXXX XXXX of XXXX total paid XX/XX/XXXX {$520.00} well that was for XXXX paymeny becasuse they sent back both but i never got the money back last week they tell me my XXXX payment was snet back XX/XX/XXXX for XXXX money in accounrt i have statements from chine account saying they cleared paymens and i was good i sent it to the mr cooper but they sent e a letter this week saying i have until XX/XX/XXXX to pay over {$1700.00} r i loose my home they for one havenmt made the XXXX correct they are arguing with me about said payments also they didnt keep account safwe after they were hacked XX/XX/XXXX i asked several times to get the ip address of hacker or some info they fasiled to provide any info only enlough to say im going to loose my home
Consumer complaint received 2024-09-09
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (VA)

I have called the credit company a few times before my promotion was going to end to see if they could extend it for 6 more months & they kept saying no. Also after the promotion ended I ended up paying almost {$100.00} for interest & I only owe {$4000.00} but making the minimum payment Im still at the {$4000.00} its not going down any & I cant make more of a payment because Im struggling to make payments. So they gave me the XXXX ( XXXX ) XXXX number to call they said they work with them but after answering all the questions & giving them all of my information they send me the email to sign the documents & its basically like a debt relief program & I didnt complete it because thats not what I asked for. Now Im getting spammed calls 24/7 since that day. Im getting harassed & cant get them to stop even after I block the numbers more keep calling me.

I would like the credit company to do something about that. Instead of them figuring out a way to help me they gave me bad information to get involved with this spam calling & I cant change my number because I use this for work.

I would like to request them to reduce half of my balance that I owe or to cover all of the expenses that I have left to pay due to all of this. & to honor NO interest fee for at least 1yr.

Instead of them helping me Im now even more stressed about paying bills & getting harassed every day by endless spam calls.
Consumer complaint received 2024-09-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC (NC)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (NJ)

Act was violated and still in violation Account # XXXX Charge of accounts are considered, certificates of indebtedness, pursuant to I.R.S publication 4681 and it is now considered income, and income can not be reporting on my consumer credit report, pursuant to Privacy act of 1974.

The Privacy Act of 1974 is a federal law that protects individuals from the misuse of their personal information by the federal government. The act 's main goals are to balance the government 's need for information with the rights of individuals to privacy.

The Privacy Act of 1974 : Protects individuals : The act protects individuals from the collection, use, maintenance, and disclosure of their personal information.

Requires notice : Agencies must notify the public of their record systems.

Requires consent : Agencies can not disclose an individual 's record without their written consent.

Provides access : Individuals can request access to and changes to their records. 
Establishes record-keeping requirements : The act sets forth requirements for how agencies keep records.

IRS Publication 4681 Canceled debt : If the abandoned property secures a debt for which you are personally liable and the debt is canceled, you will realize ordinary income equal to the canceled debt. This income is separate from any amount realized from abandonment of the property. You must report this income on your return unless one of the exceptions or exclusions described in chapter 1 applies.
Consumer complaint received 2023-09-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (TX)

2 days ago I was notified by my XXXX app there was an account listed for unpaid for XXXX. I called and inquired information from XXXX, I was able to locate the company out of PA ( common wealth financial ) the lady asked me to pay the amount owed, I told her I did not believe the debt was mine from 2017 because I never went to a doctor in XXXX. I have managed to build my credit to XXXX in the last XXXX years I never pay anything late and XXXX aware of anything I XXXX have owed. They have caused fraudulent information on my account causing it to go down XXXX points. 
XXXX the account XXXX at common wealth financial then told me if I couldnt pay XXXX to pay XXXX, or XXXX to settle it. I believe this is a scam because I have successfully disputed any old medical bills during Covid time, I believe they XXXX have bought false information in order to take my money. My lawyer and I asked for proof of payment/ bill I never received one, and it shows negative for XXXX. I have filed fraud with my credit advisors, as well as let the company know this is not my debt. I was instructed to file with the ftc.gov as well.
Consumer complaint received 2024-09-08
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Navient Solutions, LLC. (IL)

In XX/XX/XXXX, I received a message that I was part of the automatic full relief group in the XXXXXXXX XXXX XXXXXXXX case, and that I would be reimbursed by XX/XX/XXXX, along with these loans removed from my credit report. 

I had the loans originally with Salle Mae, which then went to Navient as part of their restructuring ; and ultimately a couple of years ago I refinanced them with XXXX due to the interest rate accrual with Navient seeming wrong. As far as Navient or Student Aid looked at it, these were paid off, as they were now sitting with XXXX via a loan. As such, I have been expecting a refund from the portion paid to Sallie Mae / Navient which was mentioned would be reimbursed under the conditions of the case. I also expected these to have been removed from my credit report. 

To date, these have not been removed, and I have yet to receive any refund, or an update to my case. I sent a few messages to StudentAid.gov, who mentioned that the situation sat with Navient and to follow up with them. I reached out to them, who originally told me I needed to go back to StudentAid.gov to handle my case. So, it just went around in circles. I then received an update from Navient, indicating that my loans did not qualify for reimbursement. I inquired a few times why this was the case. The loans were Federally backed loans originally with Salle Mae ; I had no choice that it was converted to Navient. Further, even with Navient ; all but one of my loans indicated they were federally backed, including the interest that indicated " The interest rate on your federal student loans is set by federal law '' further showing that these were federally backed loans. They all had the same interest rate, a much lower rate then my higher private loan with Navient. 

I still have not been able to get any updates, or refund. I would appreciate any help which you may be able to provide, to ensure this reimbursement and update on credit report is expedited.
Consumer complaint received 2024-09-11
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: WELLS FARGO & COMPANY (FL)

WE ARE NOT REQUESTING A LOAN. WE HAVE REQUESTED THAT THE MORTGAGE COMPANY ( WELLS FARGO ) PROVIDE TO US AN AMORTIZATION SCHEDULE THAT BEGINS WITH YEAR ONE ( XXXX or XX/XX/year> ) OF THE LOAN UP UNTIL PRESENT SO THAT WE MIGHT TRACK OUR PAYMENTS. WELLS FARGO HAS DENIED OUR REQUESTS
Consumer complaint received 2019-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

I just received a denial letter from XXXX XXXX. I called to discuss the reason for denial with the bank. I was told there are 2 negative items on my XXXX credit report that determined there decision. The first item is XXXX XXXX XXXX XXXX. I have disputed this with equifax and XXXX  and it has since been rectified and deleted however XXXX is still reporting it. I have stated many times I had multiple loans with teachers that were all paid in full. They were combined loans and it has been satisfied. This has been an ongoing issue over 2 years now. The next item was XXXX XXXX XXXX that as well has been deleted and removed off equifax but is showing on XXXX. There were numerous fraudulent charges on that credit card. I have reported it to police over 4 years ago. I tried contacting XXXX by phone to discuss this and dispute it again but I cant speak to a live person.
Consumer complaint received 2024-06-21
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)

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 : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XX/XX/year> XXXX XXXX VIA DEALER XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX  XXXX VIA DEALER XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX  XXXX VIA DEALER XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX  XX/XX/year> 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 2024-09-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (TX)

LVNV FUNDING has not been unable to validate the debt the company has been inaccurately reporting on my XXXX credit report since XXXX XXXX multiple validation request letters have been sent to LVNV funding since XXXX when this debt buyer company began reporting on my credit report. Over the course of five years, I have received no formal validation from LVNV FUNDING verifying the original creditor balance, a statement of all added interest and fees that LVNV FUNDING has added to their reporting or proof that this debt belongs to me. Due to these inaccuracies, this debt has been removed from both XXXX and XXXX since XXXX. LVNV funding continues to report this unvalidated debt to XXXX. Most recently, LVNV funding reported a balance of {$1300.00} as of XX/XX/XXXX and upon my dispute of this debt with XXXX directly, LVNV FUNDING has since increased the reported balance to {$1400.00} as of XX/XX/XXXX. In one month, LVNV FUNDING has tacked on additional inaccurate amounts without any validation. The reported amount has consistently changed, fluctuating without any explanation since XX/XX/XXXX.
Consumer complaint received 2024-09-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (MI)

I opened up a college chase account around XXXX. I received a {$1500.00} dollar check form XXXX the college that I attend for participating the summer bridge program. 

After that School was about to begin and this was the time a lot of scammers infiltrated our domain and were sending fake job offers. I fell victim to this scam, but nothing happened to me personally as for receiving a fake check for {$420.00} which i deposited this was on XX/XX/XXXX and the next day I decided to the deposit my {$1500.00} check the {$420.00} was returned back as fraud around XX/XX/XXXX or XXXX. My account was locked shortly after.After I found out I called chase and told them about the incident and they said my account would be unlocked as soon as my {$1500.00} dollar check went through and it did around XX/XX/XXXX. My account was functional and the money was in the bank. there wasn't a single problem. After a week chase closes my account and tells me that they need to verify the check with owner. All the numbers they have lead straight to voicemail and every number i try to give them that will work they deny since it's not in their database. I don't what to do and Im very scared I don't have a lot of money and this was gon na help me get through my first year of college. I contanted the finance department and even they were confused stating if the check went through what was the reason for the verification. He also stated there is little to no chance they have any numbers that are associated with the school.
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

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 XXXXXXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2024-06-13
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. (IL)

PLEASE BLOCK AND REMOVE I urge you to take immediate action to remove these unauthorized accounts from my credit report. Their presence is distressing, and I did not approve them. Please address this without delay.
Consumer complaint received 2024-09-05
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Global Lending Services LLC (GA)

XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX CFPB XXXX XXXX XXXX XXXX Washington XXXX DC XXXX Re : Complaint regarding Vehicle Purchase and Repossession Vehicle : XXXX XXXX XXXX XXXX : XXXX Contract Date : XX/XX/XXXX Account Number : XXXX Dear Sir/Madam, I am writing to file a formal complaint regarding the purchase, financing, and subsequent repossession of the above-referenced vehicle. I believe there have been multiple violations of consumer protection laws and unfair practices. The key issues are as follows : 1. Improper Repossession Notice : XXXX XXXX XXXX sent the repossession notice to an incorrect address ( XXXX XXXX XXXXI XXXX XXXX, instead of XXXX XXXX ). This failure to properly notify me violates the Uniform Commercial Code ( UCC ) requirements for repossession and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692f ( 6 ) ).

2. Lack of Redemption Opportunity : I was not provided a reasonable opportunity to redeem the vehicle before it was resold, violating my rights under consumer protection laws and UCC 9-611.

3. Potentially Predatory Lending : The contract shows an Annual Percentage Rate of 19.20 %, which may violate the Truth in Lending Act ( 15 U.S.C. 1601 et seq. ) and the Equal Credit Opportunity Act ( 15 U.S.C. 1691 et seq. ).

4. Vehicle Defects : The vehicle 's motor failed before the contract was paid off, indicating a potential breach of implied warranty of merchantability under the Magnuson-Moss Warranty Act ( 15 U.S.C. 2301 et seq. ). 

5. Failure to Address Known Issues : I made several attempts to inform XXXX XXXX about ongoing problems with the vehicle, which were ignored. This demonstrates a lack of good faith and may violate the Consumer Financial Protection Act ( 12 U.S.C. 5531 ).

6. Improper Credit Reporting : The repossession may have been reported to credit bureaus without considering the improper notice, potentially violating the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ).

Given these serious issues, I request a full investigation into this matter. I believe the repossession was unlawful, and I am seeking appropriate remedies, including but not limited to : - Invalidation of the repossession and sales process - Compensation for the improper handling of my account and vehicle - A full accounting of all payments made and the current status of the account - Investigation into the dealership 's practices regarding the sale of potentially defective vehicles I have documentation to support these claims and am prepared to provide it upon request. I look forward to your prompt attention to this matter and a resolution that addresses these serious concerns. 

Sincerely, XXXX XXXX