davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-07
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (PA)

Sears Card. Sears did not answer when I disputed the account as I sent them several letters which there was no response. Sears sold the account in which they faulted to my dispute in several issues as well as phone calls in which they never return after talking to me. I also was told every time some would get back in which they never did it was just the run around and then they sold the account. XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX is my old address in which I updated in the dispute to XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX
Consumer complaint received 2024-04-09
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (TX)

On multiple occasions, I have reached out to this creditor requesting that this agency / office sends me valid proof of claim that I am legally obligated to pay this debt. As per the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 ( G ) Section 809 ( B ). This notice states that your claim is disputed, and validation of the account is required. I do not believe that I owe this debt, and I have disputed it and allowed the agency appropriate time to show evidence of this debt to be valid, but the agency have disregarded these repeated requests to validate the debt. Such conduct from your company has caused me to suffer severe humiliation and embarrassment, emotional distress, and physical discomfort. You have violated 15 U.S.C. 1692 ( c ) of the Fair Debt Collections Practices Act by harassing me regarding this debt. I also noticed that this account is showing a debt collection but in the remarks section of my credit report the creditor has account status as open. This agency is also violating 15 USC code 1681eb by reporting inaccurate information on my credit report. This creditor is also in violation of using the copyrighted artwork, FIRST MIDDLE LAST, without my prior written consent. This creditor is violating several laws and I demand that this account be deleted from my credit report immediately.
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MA)

I checked my experian credit profile and I noticed an account that I do not recognize from XXXX and it is reporting as a collection. 
Acct # : XXXX Eversource I do not recall having a negative account with XXXX yet Experian is reporting this information and causing me harm and damage. My consumer rights o privacy are being violated according to the Fair Credit Reporting Act 15 U.S.C 1681b Permissible purposes of a consumer report, which clearly states that Any consumer reporting agency may furnish a consumer report under the following circumstances and no other.

1 ) In response to the court order of a court having jurisdiction to issue such an order or subpoena issued in connection with proceedings before a Federal grand jury 2 ) In accordance with the written instructions of the consumer to whom it relates.
Consumer complaint received 2023-01-29
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: AMERICAN EXPRESS COMPANY (LA)

To whom it may concern : I received a copy of my XXXX credit report, and I noticed some late payments on my credit report : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your company is in clear violation of the law. Under 15 U.S.C. 1681 ( b ) permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 U.S.C. 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS - Except as provided in paragraph ( 3 ), the term consumer report does not include- ( a ) Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report of ALL listed accounts this agency is in violation of 15 U.S.C. 1681 Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 U.S.C. 1692g violations 4. Fair Credit Reporting Act 15 U.S.C. 1681 violations for willful noncompliance - 616 Civil Liability for willful noncompliance 15 U.S.C. 1681 ( n ) Best Regards, XXXX XXXX Enclosed : copy of ID and Utility Bill showing proof of address.
Consumer complaint received 2024-04-09
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: W&A Intermediate Co., LLC (FL)

WAKEFIELD & ASSOCIATES XXXX XXXX XXXX, TN XXXX ( XXXX ) XXXX Date opened XX/XX/2022 Balance XXXX Account number 122306 15 USC 1692c ( c ) That law clearly states. " If a consumer notifies a debt collector that the consumer refuses to pay a debt the collector must cease all communication. ''
Consumer complaint received 2023-12-08
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Chime Financial Inc (NJ)

I was trying to cash a mobile check deposit and the representative told me i had to send XXXX XXXX in the amount of XXXX and also XXXX XXXX for XXXX. He said i would get that money back immediately but they did not. He under false claims made me send him and her this money. Now they are telling me i can't make a dispute. But the only reason i sent the money was to get the check cashed. This was clearly a scam and they will not open a claim to refund the money. Please help me
Consumer complaint received 2024-03-27
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: Experian Information Solutions Inc. (FL)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
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 2023-12-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PNC Bank N.A. (GA)

Our loan was sold to PNC Bank in XXXX. In XXXX  we had an escrow overage in excess of {$4000.00}. In XXXX we once again have a year-end escrow balance overage in excess of {$5500.00}. At the time of our closing our county and city taxes were GROSSLY over estimated by out lender. We have owned this home since XX/XX/XXXX and have received our new property taxes calculated after the sale and adjusted for inflation. I was told by the customer service representative that our escrow account was not taking into account our homestead exemption " because we have to renew it annually '' BUT WE DO NOT HAVE TO RENEW OUR HOMESTEAD EXEMPTION ANNUALLY. To make matters worse when we have a {$5500.00} escrow OVERAGE PNC bank has chosen to increase out payments and keep {$2900.00} of our overage because WITHOUT ANY BASIS they believe my property taxes will increase over {$2600.00} next year once again due to the mistake made by the property tax calculation at our closing. EVERY OTHER MORTGAGE LENDER WE HAVE EVER HAD HAS ADJUSTED ESCROW SO IT DOES NOT RESULT IN A MASSIVE EXCESS BALANCE. INSTEAD PNC BANK IS CHOSING TO RAISE MY PAYMENT AND WITHHOLD OUR MONEY TO GIVE THEMSELVES MORE INTEREST-FREE FUNDS. PNC bank will not audit or review this escrow statement and wants me to PAY THEM a fee to close the account because they are GROSSLY overcharging me and withholding MY MONEY. I want either the escrow account payment corrected to a reasonable amount that will not result in a MASSIVE interest-free loan given to PNC bank annually by me and my husband or I want the account closed WITHOUT PENALTY due to their incompetence.
Consumer complaint received 2024-04-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (CA)

My federal student load provider MOHELA has not allowed me to make a payment for over XXXX months. For the first couple of months, any payments I made ( auto debit and manual payments ) were not processed and returned. MOHELA placed me on administrative forbearance and forgave the interest that occurred between XXXX through XXXX. In XXXX, payments on my account restarted but the same problem persisted. My auto debit payments were initially processed and then returned and the same with my manual payments. I contacted my bank and they informed me it does not appear that MOHELA tried to debit the monthly payment. As a result, my account is now past due XXXX months with interest accumulating and I can not make a payment. 

On XX/XX/2024, I received another letter from MOHELA stating that another forbearance had been placed on my account, however, my account still shows as active and is now XXXX months past due. 

I have no idea what I should and can do as MOHELA is not processing any payments that I make.
Consumer complaint received 2024-04-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (WA)

I attempted to email Mohela, and a " System Error Occurred ''. If I try to call, they put me on hold indefinitely. 

Essentially, I am XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I have XXXX income outside of student aid. I just applied to switch my loan over to the SAVE program, as recommended by the CFPB, and Biden administration. This took about 6 months to process, and after it was processed, I now owe {$1500.00}, and it thinks I am in repayment with very high values. 

I can't get in touch with Mohela, and I don't know how to fix it. I need them to reverse these charges ASAP.
Consumer complaint received 2023-12-08
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (OR)

I made a payment of {$120.00} on XX/XX/23 and sent CareCredit a message requesting that my payment be applied to my non-promotional ( standard purchase ) balance first. They responded on XX/XX/23 with a message saying " In accordance with your recent request, we've applied your payment to your requested balance, effective today. Please allow up to 72 hours for the update to appear on your online account, and the adjustment will appear in the Promotional Summary section of your next billing statement. '' When I looked at my account a couple of weeks later, it looks like my standard purchase balance ( {$100.00} ) was not fully paid off ( still owe {$39.00} on that purchase ) as I requested and one of my promotional balances had increased from the original purchase amount of {$300.00} to {$350.00}. I called CareCredit customer service on XX/XX/23 and they told me that instead of allocating my full payment fully to my standard purchase balance ( as I requested and they promised ), there was an accounting error and my promotional balance was increased instead. This means that not only are they not using my money I sent them to pay off my balance, they are charging me more fraudulently. They said they would correct this error and then they told me that I was not allowed to request payment allocation by message, I had to call customer service. If this was the case, why did they send me a message on XX/XX/23 saying they would allocate my payment as promised? 

If I did not go into my account, I would not have found this error. Even though I called them on XX/XX/23, my account is still reflecting a standard purchase balance as of XX/XX/23 that was supposed to be paid off as of XX/XX/23, which means they are also charging me additional interest on that balance that was supposed to be paid off. This is fraud. They said it could take 2-3 billing cycles to correct this. Why??? So they can charge me additional interest that entire time? Other banks are able to reflect payments and corrections within 24-48 hours. 

I have documentation to support all of this.
Consumer complaint received 2023-08-31
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Chime Financial Inc (NC)

I received a XXXX XXXX in the mail on XXXX XX/XX/2023. 

I called chime on XXXX XXXX to.report fraudulent activity. 
They said they closed the account. 

I asked for a record of.transactions. they said they could not provide it to me. 

I asked how the account was opened when my credit record were frozen. They said they could not tell me that information. 

They sent me an email how to request information, but required a police.or.ftc report.
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I did not initiate these inquiries, and I strongly suspect them to be fraudulent. I am formally requesting that you undertake a thorough investigation and take necessary measures to remove them from my credit report. I have enclosed the required documents as evidence supporting my claim.
Consumer complaint received 2023-08-31
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The issue is causing me significant distress and XXXX, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault.
Consumer complaint received 2024-01-29
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BARCLAYS BANK DELAWARE (TX)

I have tried to take the proper protocols to get this account removed from attachment with me. Im a victim of identity theft and Barclays is trying to make me take responsibility of this account when I have provided proof that I didnt have anything to do with opening my this account or opening the bank account that made payments to this account. Im about liable for anything because I didnt gain anything from this account being opened. They are ignoring the fact that I provided proof of me not making payments against their claim of me paying on it.
Consumer complaint received 2023-11-30
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. (NJ)

This letter is to formally advise you that I believe your company has violated several of my consumer rights. Specifically, you failed to validate a debt at my request, which is a FDCPA violation and you continued to report a disputed debt to the Credit Bureaus : another FCRA violation. Not only have you ignored my prior requests for validation of debt but you continue to report this debt to the credit bureaus causing damage to my character. This letter will again request that you follow the FDCPA and please provide the following validation of debt request : -Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest and penalties -Contract bearing my personal signature As you may be aware, " Estoppel by Silence '' legally means that you had a duty to speak but failed to do so therefore, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense. I expect to receive the proof requested above within 15 days of this letter. 
Should you again ignore my request for validation of debt I reserve the right to sue your company for violations of my consumer rights as specified under both the FDCPA and the FCRA. I may also seek damages from you if warranted.
Consumer complaint received 2024-04-06
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Carvana Group, LLC (CA)

I filed XXXX complaints with CFPB ( XXXX / XXXX Carvana ) because Carvana / XXXX XXXX not responding to our email or registered mail attempts to address our billing issues. Instead they took adverse action by sending in XXXX XXXX XXXX as their agent, to trespass onto my property and attempt to repossess the vehicle. Sheriffs were contacted and report filed ( Case # XXXX ) as the tow truck company, their agent, was caught having crossed INTO my backyard with their truck closed behind my locked gate. The XXXX made it clear to the agent, that the only property they could remove was their tow truck. 
They will likely tell you that they have resolved this matter by having someone reach out to us regarding the dispute. XXXX called and introduced herself as the agent with Carvana / XXXX. She said that she was to help resolve / address our CFPB complaints and the notice of Claim that we had sent in to legal. In my recorded conversation with XXXX, while voicing our concerns over misapplied finance charges, and asserting our rights as the consumer to mandatory arbitration before any adverse action could be taken, she advised that she was NOT with legal and could NOT advise on any of the concerns I had. She told me since their record, that I am contesting, shows that they have received " No payments '', that I should go ahead and relinquish the vehicle to the tow truck company that was illegally trespassing on my property.
Consumer complaint received 2023-12-07
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: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I am writing this formal complaint against Bank of America with absolute confidence in the validity of my grievance, supported by pertinent references to applicable laws and consumer protection regulations. My aim is to underscore the necessity for Bank of America to resolve this issue in my favor. The details of my complaint are as follows : Account Closure and Credit Card Payment Issue : In XXXX 2023, Bank of America abruptly closed both my Checking and Savings accounts without any prior notice or valid reason, which is a clear violation of the Electronic Fund Transfer Act ( EFTA ) and Regulation E. This sudden and unwarranted action left me without a means to make payments on my Bank of America Credit Card , which was issued by the same bank. 

Late Payment and Credit Report Impact : Due to the closure of my accounts, I was unable to make timely payments on my Bank of America Credit Card, resulting in a XXXX late payment that was reported on my credit report in XX/XX/2023. I firmly assert that this late payment was solely a consequence of Bank of America 's actions and not due to any negligence on my part. The Fair Credit Reporting Act ( FCRA ) stipulates that credit reporting must be accurate and that consumers have the right to dispute inaccurate information. 

My Attempts to Resolve the Issue : I have made persistent efforts to resolve this matter with Bank of America, as mandated by the Consumer Financial Protection Bureau ( CFPB ) regulations. On XX/XX/2023, I sent a goodwill letter to Bank of America requesting the removal of the late payment remark. I followed up with another goodwill letter on XX/XX/2023. Additionally, I proactively reached out to Bank of America by phone on XX/XX/2023, to discuss my concerns and request the removal of the inaccurate late payment remark. 

Bank of America 's Response : Regrettably, despite my unwavering determination and articulate explanations highlighting that the late payment was a direct result of their actions, Bank of America has obstinately refused to acknowledge their error. They have unreasonably declined my request to remove the inaccurate late payment remark, which is a breach of the FCRA and Regulation Z. 

Impact on Myself and My Family : The repercussions of Bank of America 's actions and their unyielding stance have been far-reaching. My family and I have experienced substantial stress, frustration, and credit damage, causing harm that is counter to the XXXX XXXX XXXX Reform and Consumer Protection Act 's core principles of consumer protection.
Consumer complaint received 2023-11-28
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. (SC)

In accordance with the Fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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.
Consumer complaint received 2023-12-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have been disputing this matter several times. Your efforts in resolving my problem were ineffectual. What else should I do for you to give thorough attention to my dilemma? I believe there may be an error in the reporting, and I am seeking your assistance in rectifying this issue. 
BANK OF AMERICA XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I understand the importance of maintaining an accurate credit history, and I am committed to ensuring that my credit report reflects my financial behavior accurately. However, I am concerned that these late payments are negatively impacting my credit score and my ability to access favorable financial opportunities.
Consumer complaint received 2023-11-24
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. (GA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.