davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC (NY)

After the last complaint against ERC, I submitted the " Tell Me More About This Debt '' letter from CFPB. I was sent a one page bill as verification. Please send the documents requested : " Provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? ''
Consumer complaint received 2024-03-06
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: SYNCHRONY FINANCIAL (VA)

Deceptive Payment Plan Practices by Synchrony Bank I was sold XXXX products by Synchrony and in both cases given a promotional rate and a minimum monthly payment. In the first product sold to me in XXXX, the agreement that I signed included a minimum monthly payment and the date of the end of the promotional rate. The date of the promotional rate coincided with the end of payment of the principal if I made the monthly payments on time. The agreement stated that if there was a balance after the cutoff date for the promotional rate, I would be charged interest on the entire principal rather than just the unpaid principal. While I was concerned that this was wrong, I signed the agreement knowing that I could cover the monthly payments and that would ensure that there is no balance on the ending date of the promotional rate. 
A few months later, I purchased the second loan product from Synchrony Bank. At the outset, the agreement looked very similar to that of the first product. A minimum monthly payment and the date of the end of the promotional rate was provided. I signed the agreement assuming that if the minimum monthly payment was made in time, the balance would be XXXX on the date of the end of promotional rate. However, the minimum monthly payment was much less than that required to complete paying off the principal by the date of the end of the promotional rate. 
On XX/XX/XXXX, which is the end of the promotional rate for the second product, Synchrony Bank charged me {$4900.00}. This amount includes the interest on the principal that I already paid. 
This practice is deceptive in my opinion because : XXXX. I should have been clearly informed that the minimum monthly payment in the second product was not sufficient to pay off the entire balance in the period of the promotion unlike the first product ; XXXX. Changing how much the minimum monthly payments cover the principal from XXXX product to another is a tactic to catch customers who may not read the entire fineprint ; XXXX. The interest should be payable only on the balance, and not on principal already paid because that reeks of gambling with the customer.
Consumer complaint received 2023-08-30
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Westlake Services, LLC (GA)

XXXX XXXX XXXX closed their company and sold my personal information to this company Westlake Portfolio Management without my consent. Pursuant to 15 USC 1681 4 the company has no permission to report any using my personal information. 
These companies are violating my consumer rights to privacy pursuant to 15 USC 1618 b 2. I don't know anything about this company and I never gave any consent to open a account under my information.
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX XXXX failed to provide loan verification letter. Proof sent to Experian to have account updated or removed. Account was closed and charged off. XXXX is still reporting late payments to Experian, XXXX, and XXXX.
Consumer complaint received 2024-03-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO. (PA)

I am writing to file a formal dispute against Chase Bank Card Services regarding a credit card account that I have been disputing since last year. Despite my efforts to resolve this issue directly with Chase, including a certified letter sent on XX/XX/year> ( receipt enclosed ), Chase has failed to conduct a proper investigation and has not provided a satisfactory response. Instead, I received a generic reply asserting the account 's association with me merely based on my address. This response is unacceptable and disregards the severity of my situation. 

I wish to emphasize that I have never opened this account in question and had no knowledge of its existence until it appeared on my credit reports. This unauthorized account has since been sold to a debt collection agency, further complicating the matter and unjustly affecting my credit history. 

Moreover, Chase Bank has violated my rights under the Fair and Accurate Credit Transactions Act ( FACTA ) by obtaining my credit report without a permissible purpose, as outlined in 1681b ( a ) ( 3 ) ( A ) of the Act. I did not directly and voluntarily seek credit from Chase Bank, nor did I authorize them to access my credit reports. This unauthorized access has occurred on multiple occasions, demonstrating a clear disregard for my consumer rights and the legal requirements governing credit reporting. 

In addition to the unauthorized credit inquiries, my requests for specific information regarding the disputed account, including the method of payment and contact details ( email and phone number ) associated with the account, have been blatantly ignored. These omissions have prevented me from fully understanding or contesting the claims against me. 

The neglect and wrongful actions taken by Chase Bank have caused me significant stress, financial harm, and damage to my credit history. Given the bank 's failure to address my dispute adequately and their violation of my rights under FACTA, I am seeking the CFPB 's intervention to resolve this matter. I am entitled to remedies, including the correction of my credit report, removal of the unauthorized account, and a proper investigation into the unauthorized credit inquiries made by Chase Bank. 

Enclosed, please find the following documents to support my claim : A copy of the FTC report filed regarding this issue. 
A copy of the initial dispute letter sent to Chase, along with the certified mail receipt. 
Documentation of the credit inquiries made by Chase Bank. 
I urge the CFPB to take immediate action to investigate this complaint and to hold Chase Bank accountable for their actions. I look forward to your prompt response and am hopeful for a resolution that rectifies the damages caused by this situation.
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am writing to address some inconsistencies that I have identified in my personal credit report. These inaccuracies are having a significant impact on my financial standing, particularly in relation to my ability to own a home. While I understand that errors can occur, I have researched the dispute process and am aware of the required investigation time-frame of XXXX days. The other bureaus have already removed these accounts from their records, following the submission of my FTC report citing the identification of an error. I am puzzled as to how these accounts were verified by your bureau while other bureaus have successfully removed them. Therefore, I request the immediate deletion of these accounts from my file as they are inaccurate, erroneous, incomplete, or unverifiable. 

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 2024-02-29
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: Onity Group Inc. (PA)

I came down with XXXX and I was still working going through my treatment and due to the fact that I had to deal with short term XXXX I wasnt getting my full pay and I went XXXX months of making payments and I got to the point where I couldnt make any more payments anymore thats when I call my mortgage company
Consumer complaint received 2024-04-15
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. (CA)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/2024, and I have not yet received a response.
Consumer complaint received 2024-02-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (NC)

I called Mohela in XXXX because they put my loans into forbearance without my knowledge or consent. This was not considered an administrative forbearance so I am not getting credit for it for PSLF. I was unable to start making payments on my loans in XXXX when Covid relief ended because of this. Even if I wanted to make a payment their website would not allow me. I was under the impression this was an administrative forbearance to determine my new payments following Covid relief. I called in XXXX to remove the forbearance as there is no method on their website to allow that, waited on hold for over two hours, and was told I would be able to back pay the months my loan was in forbearance. This never occurred. I am now being told my loan was put into a grace period deferment despite their website listing it as forbearance. This is a consolidated loan so it should never have been eligible for a grace period anyway. I am also being told I can not get credit for the months of PSLF I missed because I called on XX/XX/XXXX and bills are printed the XXXX or XXXX. I find this very hard to believe as the customer service representative got my payment due date wrong twice and changed the dates I would have had to call by. I have called again and been told there will be no effort made to correct the error. Additionally, my loans have been put into a forbearance once again after having been removed and paid for two months. Mohela can not tell me why the loans have been placed in forbearance. In addition to all these damaging administrative mistakes, the call wait times are over 2 hours and email response times up to one month. This makes it nearly impossible to correct any errors in your account.
Consumer complaint received 2023-10-20
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. (FL)

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. '' Equifax and Experian are 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 2024-02-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Freedom Mortgage Company (IL)

XX/XX/XXXX Freedom Mortgage and XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX and XXXX XXXX  NOTICE OF MOTION FOR RELIEF FROM AUTOMATICSTAY AND ABANDONMENT OF PROPERTY, PROVISION DIRECTING RESPONSE THERETO, AND SETTING HEARING ON OBJECTIONS, IF ANY Court was to be XX/XX/XXXX, at XXXX The Trustee in Bankruptcy Objected to the Motion and to bring proof on the date in question and no proof was given and so the attorneys above withdraw their motion and came after me in civil court. with a different attorney XXXX XXXX XXXX XXXX and XXXX XXXX date filed XX/XX/XXXX because Trustee was going to take the home and sell it and pay the Creditor Freedom Mortgage money due, they refused and had the attorneys withdraw. This is not my Debt I have a letter from them that I'm not a party of interest nor Heir or relative to borrower { Ex-Wife } I'm not a cosigner/co borrower, not on Home, not on Taxes, not an Executor of Estate, nor successor, nor Deed/Title on nothing. I'm an Ex-Wife Divorced 27 years ago in XXXX and we went our separate ways, I didn't live with the Deceased I was XXXX miles away in a different county, never knew he had a home, and today a server came and smacked papers in my hands for a lawsuit from freedom mortgage because the Bankruptcy didn't work. If plain A didn't work do B I was told by the FTC and CFPB that the parties above can't come after me and EX WIFE and they are, and Freedom Mortgage took no for an answer. they have been lying to all parties.to get at me like they said sorry but I'm not responsible for his debt.
Consumer complaint received 2024-03-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Fay Servicing, LLC (VT)

Fay Servicing did not disclose huge balloon payment when this modification ends there is no way I can afford to pay {$120000.00} balloon payment when loan term ends. I only learned today about a lawsuit they were involved in I was never informed I could be included in this lawsuit.
Consumer complaint received 2024-03-09
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: California Business Bureau, Inc. (CA)

California Business Bureau claims that I owe a debt of XXXX, and the original creditor was XXXX XXXX. I called and asked for validation of the debt and that they were licensed to collect debt in my state on XX/XX/year>. The collector was very hostile and stated he was not under legal authority to send a license or anything. Emotions were getting high, so I ended the call and disputed through XXXX and XXXX the same day. The dispute with XXXX was successful, but I need help getting a successful dispute with XXXX. I wrote to the debt collector asking for validation of the debt through XXXX and mail, but I have received nothing.
Consumer complaint received 2024-04-15
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. (GA)

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 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 2024-03-04
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Capio Partners, LLC (NY)

In XXXX, an operator for the company misrepresented herself as being a representative for XXXX XXXX XXXX XXXX XXXX XXXX, claimed that service could not be restored until a payment of {$5000.00} had been made, both of which were inaccurate, and pressured me into a payment arrangement I could not meet. 

Once I learned that she was not, in fact, calling from XXXX, I resolved the matter with them directly and instructed the company to never call me again. 

On XX/XX/XXXX, an operator from the collector called me at work with falsified Caller ID to make them appear to be calling from New Jersey, not Texas where they are based. Operator refused to identify themselves as debt collectors, instead claiming they had an " important business matter '' to discuss. 

Call came while I was at work, during a busy period, and their call and delays by refusing to identify themselves caused me to miss a deadline at work that day, putting my job in jeopardy.
Consumer complaint received 2024-01-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. 
Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2024-03-04
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: Shellpoint Partners, LLC (IL)

There have been a number of issues in dealing with NewRez since my loan was automatically transferred to them. Everything from form not being updated with the correct address to where checks should be mailed, customer service reps not following up and not providing accurate information, and most recently I get messages every month saying that I am not up to date on my payments when Im on autopay and those payments come up when I get paid. That said, what made me reach out today is I was charged three times over 4 days for my regular bi- monthly payment. I called in the rep and her manager we incompetent and the manger specifically was extremely rude within seconds of me being transferred and disconnected the call and sent me to someone elses voicemail. It is extremely difficult to get quality help and this is the second time theyve taken money out my account and put my in a bad financial predicament because of their incompetence
Consumer complaint received 2024-04-14
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: EQUIFAX, INC. (IL)

After reviewing my credit report, I have noticed hard inquiries I do not recognize. I have contacted all 3 CRAs, and they refuse to dispute or investigate the inquiries. Attached is an FTC report indicating all of the unauthorized inquiries ( including in the personal statement section ) that should be removed from my credit profile.

15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) information regarding inquiries ; Except as provided in section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.
Consumer complaint received 2024-03-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: U.S. BANCORP (CA)

I have for all of XXXX and XXXX been unable to process ACH transactions online. Whenever I tried to submit an ACH transaction, my business checking account has been locked as part of security fraud protection. I have on several occassion and in much debt talked to the banks IT department, security department, business department, and local branch. Nobody has been able to resolve the issue for me. Instead I have been advised to use in branch wire transactions. Using wire transations have cost more more than {$1000.00} in service fees with the bank ( {$40.00} per wire + {$11.00} mailing fee per wire ). This is in comparison to ACH transactins which are part of the advertised service that come with my account for {$1.00} per transaction. The bank in unable to resolve the issue and is unwilling to waive the incurred wire transaction fees either. The services advertised to me are false advertisement and I have not been provided a reasonable solution to the problem
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 
XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-12
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Atlanticus Services Corporation (AL)

I applied for the FORTIVA retail XXXX XXXX credit card with a limit of {$3000.00} and the interest rate was said to be 35 % which I feel is very high, so when the first statement came out I paid what was due and a week later they changed my payment amount for no reason and that made the original payment escalate more than what was agreed from the enrollment date. I would like to get a lower interest rate and my monthly payments reduced and also I would like them to stop changing my monthly payments when they fill like it. My payments originally were {$170.00} then it has escalated for no reason even though I paid on time.