davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-20
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Earnest Inc. (CA)

Working with Earnest on my XXXX XXXX XXXX, I've had autopay setup for some time. I changed the pay-from account and noticed autopay was turned off, and it adjusted my rate without telling me. After noticing that the account was now off autopay, and the payments had fallen behind, I called on XX/XX/XXXX, Customer Service to reinstate autopay, and my interest rate would adjust back. I went through the process, approved them to pull from the account, verifying through contract signing again, and supposedly autopay was reestablished, and I moved on. I received a letter after long travel and saw they sent me a note that the account was past due, and to avoid further action, to pay. I went online and paid it after opening the letter same day, noticing the previous amount was never autopayed. In a prior call in early XXXX, I was told by their agent that they try to resolve and do not report to an agency, that being my chief concern as we fixed this issue in their system. Logging back in, it said " rejected '', but no reason for that - it certainly wasn't for insufficient funds, etc. It must have been a setup issue on their end, as I paid the full outstanding balance on my end with the same pay-from account. I woke up this morning to a credit alert. They reported me to the credit agency on the XXXX ( I paid in full on the XXXX ), destroying my perfect credit score by more than 90 points. They were unhelpful, you're not allowed to setup reoccurring payments and even autopay can't be trusted. I can only surmise this is a tactic to charge a lot more interested, and fees to generate revenue. They've now harmed me deeply, even though this is their fault. I'm tremendously disappointed and disputing with the credit agencies, but their service is meant to scam and prevent those from paying their loans. They also call from different numbers, which many phones identify as spam to cover themselves and say they called.
Consumer complaint received 2023-11-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC (CA)

Car has been paid off from other party XXXX XXXX and also ally gap paid. This was due to other car crashing into my car. Westlake financial has been paid off. They are ruining my credit report stating I am at delinquency. They are the worst bank one can bank at they have fraud many people including myself with my other vehicle its completely paid off but their saying I still owe.
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (UT)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
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 2023-09-25
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: EQUIFAX, INC. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-11-24
Product: Vehicle loan or lease — Lease
Issue: Repossession — Notice to repossess
Company: MAS FINANCIAL SERVICES, INC. (AZ)

Ive been trying to make my since XXXX on the MAS website I CALLED XXXX XXXX a PREPAID CARD WHOM IVE BEEN PAYING THROUGH SINCE IVE HAD THE CAR IN XXXX  NOW ALL OF A SUDDEN XXXX XXXX SAID MAS FINANCIAL BUT A BLOCK TO NOT ACCEPT PREPAID CARD IM ASKING SINCE WHEN BECAUSE MY PAYMENT HISTORY IS XXXX XXXX  SOME IN MY NAME & OTHERS S. IN. MY HUSBANDS NAME, I FEEL LIKE THEY ARE TRYING TO TAKE THE CAR & MAKING ME PAY DOUBLE INSURANCE IVE HAD INSURANCE SINCE IVE HAD THE CAR MAS FINANCIAL REPORTED ME TO DMV, DMV MADE ME SHOW PROOF OF INSURANCE OR THEY WERE GOING TO SUSPEND MY REGISTRATION AND TAGS FOR NO INSURANCE & TILL THIS VERY DAY THEY ARE TRYING TO MAKE ME PAY FOR THIER INSURANCE WHEN I ALREADY GOT INSURANCE ON MY CAR. XXXX I JUST PAID THAT AS WELL TODAY. BUT FOR SOME REASON I CANT MAKE MY CAR PAYMENT. They are stressing me out
Consumer complaint received 2023-11-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY (TX)

TO WHOM IT MAY CONCERN : MY NAME IS XXXX XXXX. I CHECKED MY CREDIT REPORT XX/XX/XXXX AND NOTICED THESE HARD INQUIRIES ON MY ACCOUNT. THESE ARE NOT PERMITTED BY ME. I HAVE NO KNOWLEDGE OF THESE INQUIRIES. I REQUEST TO HAVE THESE INQUIRIES REMOVED IMMEDIATELY UNDER 15 U.S. Code 1681c2 - Block of information resulting from identity theft XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX THANK YOU
Consumer complaint received 2023-11-24
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (KS)

Continued and frequently calls to collect a debt for which I have no recollection of or obligation for. No debts appear under my name under any credit report from any credit bureau. The company uses scare tactics and threatens legal action to collect against debts bought in bulk that do not belong to me.
Consumer complaint received 2023-11-24
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (KS)

The company has repeatedly called trying to collect on a debt I do not have any recollection of, with, for or otherwise am responsible for. No debts of any kind exist on any credit report, from any of the credit bureaus, under my name.
Consumer complaint received 2023-08-02
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC. (DE)

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 : # ALLY Account name : # ALLY, Account name : # Account name : # 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 2017-05-08
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (NY)

Based on the information stated in the letters sent, the accounts have been recently closed because of being Unable to verify my Information with the existing public records. The letter further stated that my Social Securi ty Number ( SSN ) and Address  does not match the records. I am trying to figure out why this is happening because as far my SSN and my Address here in the United States is concerned, I have not held any other Social Security Number nor lived in anothe r US State  previously. My family just recently migrated in  XXXX , New York last  XXXX   XXXX ,   XXXX   from the  XXXX  of the  XXXX . Years before that, I have never been in the US. The  SSN and present address I have in the Synchrony Bank records, the ones th at I have in the Credit Reporting Bureaus and with my other credit cards are all the same. This is also what is found in my State Identification cards,  So  cial Security Administration records and the US Federal Department Records. This is my FIRST AND CURRENT U.S.  address. I did't not understand how incompetent their fraud department is for having closed ALL my store card accounts without verifying for my actual identity by calling me or leaving me a voice message. They have my personal number. Other cards that I have do that to verify before making any other attempt. This is the most professional and prudent thing to do considering that I am a good customer.I have gone through the humiliation of having my cards rejected several times at time and forced me to pay in cash. I did n't know what happened until I called customer service agent of Synchrony whohappens to be very unprofessional and without any display compassion about what I have been through.
Consumer complaint received 2017-05-08
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (WI)

I   was in a Chapter  XXXX . Discharged i n   XXXX   XXXX  . In    XXXX   XXXX    XXXX  , I found out Ocwen was not assigning my mortgage payments to proper account, they put my payments into suspense balance. From  XXXX  through  XXXX  they listed my payments as delinquent and subsequently started the Foreclosure process against me. They charged attorney fees against the account. I found this out in  XXXX . They corrected the payments in  XXXX   but not go back and crediting those payments for dates actually received, thus excess interest is charged. Now I am out of the Chapter   XXXX   and their records show I am still part of a bankruptcy. They are holding a large balance in the suspense balance account to this date. They are also not reporting payments to the Credit  Agencies.
They have consistently miss managed my escrows and payments throughout my Chapter   XXXX    process. Saying I was short in Escrows  then last year sending me a check for excesses in the account. Their entire accounting practices seem wrong and inaccurate.
Consumer complaint received 2017-04-03
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SYNCHRONY FINANCIAL (GA)

I have for the past year disputing this account have sent them several certified letters as well as Identity theft information showing that the account was not mines. However they sent me a check showing a payment that was made with my name on it from another closed bank account that was closed because of the same Identity theft reason. I am trying to get this resolved once again and the company has not been helpful even after verifying everything asked of me.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (TX)

XX/XX/year> i submitted a complaint with cfpb and XXXX stated they closed the account and would remove all collections reporting. However the company removed the debt and added it right back. Causing my score to decrease XXXX points.
Consumer complaint received 2023-11-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CORELOGIC INC (GA)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX is a consumer reporting agency and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. Core Logic is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. Core Logic the financial institution and the Consumer reporting agency XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX and Core Logic whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Core Logic Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX is not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2017-03-28
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

after an XXXX I apply for capital one secure credit card and used it for about XXXX and they retricted my account twice for no reason after I called for the second time I paid off the bal and the lady told me she would refund my money in ten days, they have made two other dates for refund and are just liars I am on a fix income and I need my money in reasonable amount of time after two billing cycle is not reasonable what does that mean 60 days 62 days or XX/XX/2020
Consumer complaint received 2023-02-07
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. (IL)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXX  XXXX Balance : {$840.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX XXXX : {$510.00} ; XXXX XXXX XXXX Balance : {$100.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$3000.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$760.00} ; XXXX XXXXXXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$25000.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$50.00} ; XXXX XXXX XXXX Balance : {$20.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$1900.00} ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX IL 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires them to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2023-11-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

On XX/XX/XXXX I submitted a request for a transfer in the amount of {$1000.00} from a Capital One checking account to an external savings account with XXXX XXXX. On XX/XX/XXXX the amount was credited from my account and my balance was {$500.00} following the transaction. On XX/XX/XXXX I received an email from Capital One that the transfer was not successful. I did not receive a debit into my XXXX XXXX  account for the {$1000.00}, and the temporary debit that I received from XXXX pending the transfer was reversed. Upon calling Capital One for the first time, the agent assured me that the ACH transfer was successful and it would take up to 5 business days to post ; Friday  was a federal holiday and so it would be deposited by Tuesday  XX/XX/XXXX. He also stated that the transfer failed because I had insufficient funds for the transfer ; however, this being a pre-authorized debit, the money was already withdrawn. On Thursday XX/XX/XXXX I called Capital One to submit a dispute complaint for the amount. On Monday XX/XX/XXXX I called Capital One a third time to request an update and was transferred to a supervisor in the Dispute department who verbally promised that the review was completed and the amount would post to my checking account by Friday XX/XX/24 by the latest. On Friday XX/XX/24 I called Capital One a fourth time and was told the case is still under review because Capital One attempted to contact XXXX XXXX  and did not receive a response. As of the time of writing this complaint, I have been out of {$1000.00} for XXXX calendar days and deprived of the commensurate amount of interest I would have earned from the savings account, currently at 4.92 % APR, due to Capital One 's mistake in handling my funds and inability to return them in a timely manner.
Consumer complaint received 2023-11-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

portfolio recovery associates XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX ( XXXX ) XXXX have 4 accounts of mine in collection which is more than 7 years old but they keep reporting it on my credit report each month when they should have been closed and removed from my credit.
Consumer complaint received 2023-04-20
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Southern Credit Recovery, Inc. (LA)

Southern Credit Recovery who represents XXXX XXXX XXXX XXXX and related entities has placed on my credit report medical debt ( bills which I have never received ) for services I had no clear knowledge of ever receiving or who the providers were. When I disputed for verification and information I received a copy of my entire medical file from XXXX XXXX XXXX XXXX. Not only was it not from that SPECIFIC creditor listed on the medical debt. It was 1. one of many " potential '' providers who may have so much as looked at my chart during a hospital stay " whether I saw them directly or not '' and XXXX. XXXX all of my test results, diagnosis, medications, etc. with a legal creditor that has absolutely no barring on charges. That is a violation of my privacy and I would NEVER knowingly allow medical information outside of BILLING to be with some stranger for the collection purposes of a debt. I filed a HIPPA complaint ( attached ) with the DHH.
Consumer complaint received 2023-11-24
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: JPMORGAN CHASE & CO. (IL)

I disputed a {$320.00} charge made on XX/XX/XXXXXXXX  on XX/XX/XXXXXXXX  for merchandise not received. Given the length of time since the purchase was made, this purchase falls under Visas 540-day rule. I spoke with multiple Chase representatives who were unaware of this rule yet worked in Chases Disputes department, yet I finally found an agent who was able to file this dispute. Chase has then stated that this purchase still falls outside of their timeframe and will not clarify their rules regarding their adherence to Visas clear 540-day rule, which this purchase clearly falls under. I had a very unprofessional, unhelpful, and rude Account Manager named XXXX XXXX who refused to answer questions, refused to specifically guide me to Chases policies, and began misinterpreting Visas 540-day rule. When I navigated to Chases website where XXXX asked me to go, he refused to provide any further information as he is clearly not abiding by terms laid out in my cardholder agreement. Chase, per Visas code XXXX, please properly resolve this dispute and please educate your team on this rule.
Consumer complaint received 2023-11-24
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC (TX)

I made two payments to my account one on XX/XX/XXXX and one on XXXX XXXX both payments were deducted from my account on XX/XX/XXXX and the on XX/XX/XXXX. 

My bank has verified the payments were transmitted successfully and the funds were received by them. 

The payments have not reflected in my availably credit show XXXX when my available credit should be XXXX. 

I have contacted Milestone and they advise me that it takes 14 day for payments to post to your account and reflect to your availably credit. 

My bank advised me that Milestone received the funds on XXXX and XX/XX/XXXX and if they had not recived the funds the funds would not of been posted to my account by them.