davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-28
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (OK)

In XX/XX/2023, I noticed that my care credit limit decreased from {$1800.00} to {$270.00}. I contacted Care Credit /Synchrony Bank and was told that I had " Significant negative impacts on my credit reporting, non-timely payments, and too little payments ( not meeting the minimum balance ) '' This scripted response is not only entirely inaccurate, but is apparently being used on customers that even have great to perfect credit. It is also known that Care Credit/ Synchrony Bank will close accounts without informing the customer, causing determent to the persons credit reporting. 
They stated they sent out a letter. That letter was never received. I waited for another one, never received it. I called back to request another letter, and what I received is attached. A non-helpful, non-requested letter stating they do not run credit .... if that is so, then how can they attest to the statement above? 
This company seems to be operating in a scam-like fashion and not fulfilling its duties to inform the customers of changes being made to their accounts and doing so with inaccurate reasoning.
Consumer complaint received 2023-11-29
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. (CA)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Aldous & Associates, PLLC (GA)

I am writing in response to the recent communication I received from your company regarding the collection of a debt. I would like to bring to your attention that I have not entered into any contractual agreement with your company, nor have I authorized the transfer of my debt from the original creditor. 

It has come to my attention that you have purchased the debt from XXXX XXXX XXXX. While I acknowledge that there may be an outstanding debt, I must emphasize that your company does not have any legal right to collect this debt from me. 

I kindly request that you provide me with proper documentation proving your legal authority to collect this debt. This includes a signed agreement or contract between your company and myself, clearly indicating my consent to transfer the debt to your organization. If you fail to provide such documentation, I must insist that you cease all collection activities and remove any negative remarks or listings related to this debt from my credit report. 

Please consider this letter as my formal dispute of the debt and a request for verification of its validity. I also request that you provide me with a written response within XXXX  days of receiving this letter, confirming the actions you have taken to resolve this matter. Failure to respond within the given timeframe will be interpreted as an acknowledgment of the debt 's invalidity and will result in further actions to protect my rights. 

I would like to remind you that it is your legal obligation to adhere to the Fair Debt Collection Practices Act ( FDCPA ) and all other applicable laws and regulations governing debt collection. Any violation of these laws will not be taken lightly, and I reserve the right to pursue legal action if necessary. 

I appreciate your prompt attention to this matter and look forward to a swift resolution. Should you have any questions or require any additional information, please do not hesitate to contact me at the phone number or email address provided above. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-05-31
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (NC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/2023 Consumer Financial Protection Bureau Attention : [ Complaints Division ] XXXX XXXX XXXX XXXX Washington, D.C. XXXX Subject : Formal Complaint against Ally Financial for Misleading Account and Request for Investigation Dear Sir/Madam, I am writing to file a formal complaint against Ally Financial regarding a misleading account and to request an investigation into their practices. I have been contacted by Ally Financial, who alleges that I owe an outstanding balance. However, I believe that their claim is inaccurate and misleading. 

I have repeatedly requested Ally Financial to provide proof of the alleged debt, including payment history and any other relevant documentation supporting their claim. However, to date, they have failed to provide me with the requested evidence.
Consumer complaint received 2023-11-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Freedom Mortgage Company (MD)

Freedom Mortgage transferred my account to XXXX XXXX bank. I was made aware after logging onto my XXXX app to make a payment to my credit card - there were no communication from Freedom Mortgage regarding the transfer. I called Freedom Mortgage on XX/XX/2023 confirming the transfer and also as the information on my XXXX account was misleading and incorrect. I spoke to a representative who forwarded me the statement of account, and confirmed the payment I made on XX/XX/2023 for XX/XX/2023. He further stated and confirmed that he saw that my account was updated with my XX/XX/2023 payment on XX/XX/2023. He made a request for his department to update my statement and resend to XXXXXXXX XXXX and also told me they have 60 days to make the information correct. To date the information is not correct and XXXX keeps calling me. 

I would like for Freedom Mortgage to honor their contract and update my account with XXXX for my XX/XX/2023 payment. Freedom Mortgage stated in their communication to me that they will accept payment up to XX/XX/2023 and I made my payment on XXXX XXXX. Also, I would like for any interest or fees accrued on my account to be removed. 

I have a 100 % on time payments with all credit cards, etc. and this bothers me that Freedom Mortgage refuses to honor their contract of service. I am very distraught and cry because Freedom Mortgage abuses their authority and is disregarding my efforts. They have not responded to date to my inquiry nor as they updated my account with XXXX. Please assist me on any or all legal formalities I can take.
Consumer complaint received 2018-12-18
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc. (CO)

On Friday, XX/XX/2018 a representative of National Credit Systems , Inc. called my wife, and in the course of the conversation, threatened to damage her credit, and said that they could report the debt to credit reporting agencies at any time.
Consumer complaint received 2016-08-09
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: ROC Asset Solutions, LLC (CA)

I just want to know if the this debt collection agency is legitimate, which is does not seem like it is through doing some research on the web. The company is called API and they are attempting to collect a debt from a Payday Loan I took out. They had correct information regarding the loan and the representative also had the last four digits of my social security number. But he told me that they were going to submit a judgement against me and go to my place of work and or home to serve me and in addition garnish my wages. He sounded so legitimate, but I 'm having my doubts since he was supposed to email me information which I never received and now doing my own research it seems the company does n't exist and I 've been scammed. From what I 've seen on the web, this company has been scamming individuals out of money. Can someone please contact me as I did give this person my debit card number.
Consumer complaint received 2023-11-28
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CCF Intermediate Holdings LLC (FL)

I reached out on XX/XX/XXXX about a payment plan that I was on. I was on an extended payment plan of {$270.00}. Unfortunately I had fallen through some hard times and asked if the payment can be moved. I was told that that payment could not be moved. Then I try to make a payment, and then that payment was returned due to insufficient funds. I tried to reach out on Monday, XX/XX/XXXX and none of the representatives were helpful. I kept getting the runaround. I had put in a complaint, and I responded to the complaint. Explaining that I agree with the outcome but I am working on getting the funds and once I had the funds I will reach out today at around XXXX XXXX. I got a call from the department the in-house to collections department telling me how am I going to be paying that balance? I explained that I did not have The available funds because Im trying to work things out with my bank to see if theres a resolution to get the negative valance fixed then I asked, can you please remove my phone number so I dont have to get calls and I can focus on getting back in my feet and the agent I spoke to told me unfortunately theres no way to remove the number collection efforts will assume I want this company to cease and desist communication until Im able to get back on my feet. I am not denying this debt. I know I owe but I just want the calls cease because this is put a lot of stress on me physically, and mentally.
Consumer complaint received 2023-07-15
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. (AR)

Today, I am sending my second request to three Credit Bureaus about the information they reported in my credit file that are seems to be an error or a fraud. In regards with this, I am asking for your help to remove those items which are fraud and these items should be deleted as a confirm of derogatory nor negative in my credit file. It seems impossible to consider as mine the fact they doesn't belongs to me. Kindly help me delete these following items : XXXX A XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX Balance : {$590.00} ; XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2300.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$190.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX Balance : {$590.00} ; XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2300.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, AR XXXX ; XXXX XXXX Balance : {$590.00} ; XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2300.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$190.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX .
Consumer complaint received 2022-12-08
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NY)

XXXX contact me requesting money for XXXX XXXX  and XXXX to put in a XXXXXXXX XXXX account that was an error. I went to my bank CHASE to informed that was fraudulent activity error in the accounts and they just stated the money was already cash in XXXX and they did not help me I contact XXXX back and they said the same I need to go to CHASE to find resolution and they say they can not recall the wire transfer due was already cash only accepted after 30 minutes cancelation.
Consumer complaint received 2023-11-28
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: Fidelity National Information Services, Inc. (FNIS) (AZ)

The FCRA requires ChexSystems to respond to disputes within 30 days of receiving the dispute letters for customers outside of Maine. After receiving a response from a previous dispute, I resubmitted a dispute on the XXXX of XX/XX/2023 and even received a confirmation letter telling me that the dispute has been received and is under investigation. However, ChexSystems did not respond to my dispute even after 41 days. I had to call and request for an update only to be told that the dispute was deemed invalid. I did not receive any correspondence from ChexSystems informing me about the validity of my dispute letter. It's only after the call that ChexSystems sent me a correspondence about the dispute submitted XXXX days ago. Therefore, I request that the information disputed be removed from my report according to the Fair Credit Reporting Act for failure to respond within the lawful timeframe required. 15 U.S.C. 1681s-2 Please remove XXXX XXXX  XXXX and XXXX XXXX  XXXX XXXX
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc (WI)

Affirm is reporting misleading information on my credit report. I have been disputing this inaccurate account for months now and they keep reporting it, which is harming my ability to get an apartment for my children. I feel taken advantage of and as a consumer in law this is grounds for me to get compensated for these violations.
Consumer complaint received 2018-12-18
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Lost or stolen check — 
Company: Onity Group Inc. (NV)

In XXXX I received a check for a settlement with Ocwen ( a mortage company ) It was made out to myself and my ex-husband. Since I was unable to cash it I called the company and they recommened that I send it back voided, which I did. I waited approx 1 month and then called Ocwen. I spoke to someone in the call center who told me that the check was being reissued and mailed to me in Nevada. I again waited a month, which was their recomendation. I then called again. This time they said the check had been mailed to Utah in error. I told the call center to stop payment and was told why? I said someone will cash it, they told me no one would do that they would get in trouble, I told him someone will try and probably suceed. He told me to continue to wait they would fix it. I waited approx 2 weeks then I recieved a call saying the checks had been cashed. I was told that they would do a fraud investigation. They told me to call back in 2 weeks. I have called and called and they continue to give me the runaround. I left a call back number and received a call back number after about 2 weeks and I was told they were sending the canceled checks which never showed up. I again called and was again told be patient fraud investations take time. I'm still waiting. I think the fraud investation should start with this company.
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ONLINE Information Services, Inc. (NC)

On XX/XX/23. I submitted my first dispute to delete an account from a creditor that I had not had any business transactions. Stating that the account did not belong to me and requested verification and validation of the account only to have the account verified. The credit bureaus were asked to provide copies of the original contract with my wet signature but failed to do so. Therefore I request the item to be deleted. However the items continues to remain on my credit reports. The FCRA states that all items reported have to be accurate or be deleted.
Consumer complaint received 2018-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MA)

I am a victim of fraud & identity theft. I contacted Equifax and XXXX TWICE. They refuse to remove fraudulent account/ activity on my credit report. They keep doing investigations but never remove it. Accounts : XXXX XXXX # XXXX I have mailed, faxed, and called repeatedly about my account that resulted in a charge off due to fraudulent charges on my credit report. I've uploaded and sent my identity theft affidavit, identity theft report from the FTC, and a police report. This is my second complaint in regards to this issue. They just keep investigating and then it remains based off of what XXXX XXXX says but no where do they offer proof that this account was not fraudulently used. It was my account but had unauthorized charges that unfortunately I did not become aware of until the charge off appeared on my credit report. This is causing me much unneeded stress/XXXX. I paid the XXXX XXXX account in full anyways because I needed an immediate credit score boost. Not because it was indeed my debt. Last I used my account I had a XXXX balance.

Please help me get this resolved. For Identification purposes the last 4 of my SSN : XXXX
Consumer complaint received 2023-11-28
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: American Credit Acceptance, LLC (NC)

I purchased my vehicle in XXXX of XXXX at {$21000.00}. To date my balance is {$19000.00}. I have deferred payments but of the XXXX or so payments made totalling almost {$30000.00} the balance is still excessively high. The vehicle is a XXXX XXXX the book value is {$11000.00}. I am paying more than the value of the car. I have tried refinancing and considering the age and balance on the car along I have been denied. I received a letter stating my final payment is estimated at {$11.00}, XXXX. With {$55.00} of that being fees. That's a new car. I see American Credit Acceptance is being sued for predatory lending and I feel I am victim. I need this reviewed
Consumer complaint received 2024-03-15
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: Experian Information Solutions Inc. (NY)

I received a copy of my most recent credit report and there are inquiry from XXXX XXXX XXXX dated XX/XX/2023. I did not initiate, request and/or conduct any business
Consumer complaint received 2018-12-18
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (UT)

My Escrow had paid my property taxes on my behalf, though they had collected more than needed ( Due to my tax abatement for XXXX Veterans ) after which I have a balance of {$960.00} I had waited for the disbursement to be mailed to me as communicated on their webpage ( File : XXXX - Escrow Guidance ), no luck waiting. 
after waiting this period I have reached out to customer service via their webform, and received an automated message that they received my request ( XX/XX/18 ). I still have not received a reply ( As of XX/XX/18 ).
Consumer complaint received 2023-07-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (WV)

This complaint will cover the facts! Wells Fargo home mortgage had manipulated and defrauded our account to the point, Wells Fargo had no actual information on our account, by the illegal loan modification to XXXX when we were receiving monthly mortgage statements showing the pre modification amounts. XX/XX/XXXX unpaid principal XXXX the actual modification payment wasnt due until XX/XX/XXXX! How can it show up on the XX/XX/XXXX? More evidence of Wells Fargos continued lies and fraudulent activities and actions by Wells Fargo. XX/XX/XXXX monthly mortgage statement reflects the amount before the loan modification. XX/XX/XXXX monthly mortgage statement also reflects the amount of mortgage payment before the loan modification in XXXX, how can two separate monthly mortgage statements in XXXX still show the unpaid principal in the amount prior to the illegal and fraudulent loan modification from XXXX? Because Wells Fargo has manipulated and defrauded our mortgage payments since we started paying on XX/XX/XXXX. Wells Fargo continues to deny our complaints and our request for monetary compensation for the 19 years of their illegal activities and actions from the subprime mortgage lending period, to every fine and violations levied against Wells Fargo home mortgage, Wells Fargo bank na, CO. Wells Fargo bank na, CA. Wells Fargo home mortgage inc. and every other company names they have.
Consumer complaint received 2023-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

TransUnion refuses to investigate my disputes despite me sending my picture ID and proof of address. I am the person initiating the dispute and I would like my errors investigated.
Consumer complaint received 2018-05-18
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. (FL)

I have a collection account being reported on my credit reports by XXXX XXXX. I sent XXXX XXXX a letter and mailed it certified letter return receipt # XXXX on XX/XX/XXXX, which they received and signed for on XX/XX/XXXX. To date, XXXX XXXX has not responded to my written request nor provided me with any validation for alleged debt. I have been forced to file an Identity Theft Report - Report # XXXX with the Federal Trade Commission because XXXX XXXX is reporting this false debt on my credit reports and has not complied with the law regarding The Fair Credit Reporting Act.