davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-11
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: JPMORGAN CHASE & CO. (NY)

I had bought out my lease and financed it thru chase bank XXXX years ago. Never received my title. Car was taken off the road and I need to register it and get plates for it. Ive call chase on XX/XX/XXXX asking for my title or permission letter so I can register my car. Ive called almost everyday since then and asked for supervisors, everytime I call one person tells me forms were mailed out, another its still being reviewed. My last call I wanted this situation escalated and to speak to a higher up, the said they can only leave them a message to call me back. Its been XXXX weeks, no forms were receive, no call back and no title. I need my car on XXXX XXXX. XXXX is a no holding title state!
Consumer complaint received 2024-05-11
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: JPMORGAN CHASE & CO. (NY)

I ask chase and XXXX XXXX to cancel a fraudulent transaction that I ensured is a scam, its the only way I can work with to get my money back. I had realized this in XXXX hours I dont see the reason why it doesnt allow me to cancel my own transaction
Consumer complaint received 2024-05-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Stark Collection Agency, Inc. ()

I am writing to dispute a debt that has been brought to my attention. I had no knowledge of this debt, nor was I afforded the opportunity to contest its validity. Furthermore, I have not received adequate notification regarding this matter. If you assert that proper notification has been provided, I kindly request that you furnish the certified receipt containing my signature as proof of delivery.
Consumer complaint received 2017-05-15
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (NY)

When attending  XXXX  school I took several private loans. I was unaware at the time but some of the interest rates were exceedingly high. At the time I was unaware and uninformed of the loan process. When I graduated the loan company began to call me constantly and consistently. I went back to school because the loan amount was too large for me to handle and thought by going back to school it would increase my income. In  XXXX , from  XXXX  to  XXXX  my account fell into a 90 day delinquency. This was due to a family issue, as well as my transitioning into a   XXXX   XXXX  . I am now aware that there could have been more constructive methods of handling this situation but at the time I did not see how it was possible. Now am I facing over a {$100000.00} in private debt alone and can not consolidate my private loans until  XXXX . I am requesting a reduction in some of interest rates mainly the ones that are 10 % and higher, with an emphasize on the loans that are currently at 15 %. I do not see how it is manageable to pay rent, a car loan, and buy groceries with this crippling debt. The lender is requesting  XXXX  dollars monthly. This seems unreasonable and with my other financial responsibilities it is something that I just can not do. My estimate gross monthly income is roughly {$2400.00}. I can not see how I could possibly make these payments and survive.
Consumer complaint received 2024-05-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I recently attempted to access insured deposits held on my behalf by the bank. I have receipts of deposits made into my account, which is a record of the item I deposit with the bank such as checks, federal reserve note, money orders, promissary notes, and bills of exchange. The teller believed the credit applied to the account was the deposit actually made, but according to 12 USC the bank is obligated to provide credit to my account for when I deposit insured deposit. As a consumer the bank offered that their bank products are fdic insured per deposit. I gave the bank items that have not been returned to me, I request as agent for the account that I receive a true bill, a full accounting under GAAP as required under Federal law and UCC. I require a an insurance claim for funds not return. Under GAAP the double book entry must zero, along with this account being insured as advertised to me I have had items overdrawn and returned causing me great harm. I gave the bank an asset to hold, I have not abandoned my funds but through overlapping language and deception the bank would have me to believed the credit applied to account is my actual deposit, but what happen to the actual tender I gave to the bank, and if those asset where lost by the bank why didn't the advertise insurance on the account protect me.
Consumer complaint received 2024-05-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (TX)

Subject : Cease and Desist Request Regarding Violation of 15 USC 1692c ( c ) Dear CFPB, I am writing to report an incident of unauthorized debt collection attempts made by CREDIT COLLECTION SERV. Despite the debt not being owed by me, CREDIT COLLECTION SERV persistently attempted to collect it, which is a clear violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 USC 1692e ( 2 ) ( A ) and 15 USC 1692e ( 10 ). 

The incident occurred over the past [ time period ], during which CREDIT COLLECTION SERV repeatedly contacted me, claiming that I owed a debt to CREDIT COLLECTION SERV. However, upon investigation, it was discovered that this debt was not mine and was, in fact, a result of identity theft. Despite providing evidence and documentation supporting this claim, CREDIT COLLECTION SERV continued their collection attempts. 

Furthermore, CREDIT COLLECTION SERV repeatedly contacting XXXX, XXXX, and XXXX on a monthly basis regarding this unauthorized debt. This violates my rights under the FDCPA, as it constitutes harassment and false representation of the debt, as outlined in 15 USC 1692e ( 2 ) ( A ) and 15 USC 1692e ( 10 ). 

Numerous attempts were made to communicate with CREDIT COLLECTION SERV to cease their collection efforts and rectify the situation. However, they persisted in their attempts to collect the debt, disregarding my rights as a consumer. 

As per the FDCPA, debt collectors are prohibited from attempting to collect debts that are not owed by the consumer and from engaging in harassing or deceptive practices. The fine for violating these provisions can range up to {$1000.00} per violation. 

I urge you to take appropriate action against CREDIT COLLECTION SERV to ensure that they cease all collection attempts related to this unauthorized debt, refrain from contacting the credit bureaus, and to impose the appropriate fines for their violation. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I trust this message finds you well. I am writing to bring to your attention an issue with my credit report that requires your assistance in resolution. 

Upon reviewing my credit reports, I have identified an inaccurately reported late payment. I have made several attempts to contact the creditor in question to address and rectify this discrepancy, but unfortunately, I have not received any response. 

In accordance with the Fair Credit Reporting Act, I would like to highlight that XXXX  Account # XXXX has violated my rights : 15 USC 1681 Section 602 : I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It states that a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for purpose.

I kindly request your support in investigating and resolving this matter promptly. Your assistance is crucial in ensuring the accuracy of my credit report.

Thank you for your prompt attention to this concern. I look forward to a swift resolution. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-05-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: AMERICAN EXPRESS COMPANY (LA)

XX/XX/24 - Customer XXXX XXXX purchased a XXXX XXXX  online and paid via XXXX XXXX XXXX XXXXhrough email Review and Pay option. Invoice can be sent. 

XX/XX/24 - Funds cleared our bank and the cart was scheduled to be picked up and delivered by " XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. 

XX/XX/24 - Charge was disputed by customer and funds were taken out on XX/XX/24 XX/XX/24 - XXXX XXXX XXXX and XXXX submitted a police report ( also can be sent ) XX/XX/24 - XXXX XXXXequested information from local ( XXXX Police Department ) agency on the event. We were told that the County that they tried to contact would not cooperate and to just wait. XXXX did reach out and gather more information on the two parties involved ( XXXX XXXX from Kentucky that ordered it and paid. And the recipient XXXX XXXX in Alabama ) this information can be shared via email as well. 

We have pictures of the home it was left along with photo IDs of both parties. Apparently, XXXX determined at that point that the card was stolen and did not know how the transaction would have even worked since the victim of the card theft canceled that card and already had a new one. 

We called American Express and were told to have XXXX XXXX call to fix the issue. 

XXXX XXXX stated that there is nothing that they can do. 

We tried XXXX XXXX again as of XX/XX/24. 

We lost possession of the vehicle and as the victim, we still have lost {$11000.00} even though we never put the card information in. 

It was accepted by XXXX and we even waited for the funds to clear over several days since the different addresses seemed odd. Once funds cleared, we completed our end of the transaction as required. 

The dispute claimed that no card was present. But the consumer put in the information via internet. 

XX/XX/24 - Patriot will be reaching out to the reporting agency ( XXXX ) XX/XX/24 - reporting to CFPB to hopefully resolve the issue after a XXXX, FTC, FBI complaints have been made. 

Possibly have the American Express and XXXX XXXX companies do a IP address check and remedy the issue that made us a victim. All our calls to both companies have to date left the issue unresolved. Thank you
Consumer complaint received 2024-05-08
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

On XX/XX/year> XXXX inquires on my credit were completed by Capital One. One inquiry was tied to an address in Utah, while another was tied to an address in Virginia. It appears as though the application to VA fell through, as there are no other records indicating an open line of credit. On the other hand, the inquiry from Capital One in Utah did go through and a line of credit was opened in my ( maiden ) name, current address, email, and an unknown phone number. The card has been active since at least XX/XX/year> because there are records of a paid statement dated at the end of XX/XX/year>. Additionally, on XX/XX/year>, someone attempted to open a credit card with XXXX. I recieved an automated text and email thanking me for opening an account with the company. I believed the text to be a scam, so I did not click on any links or reply. When I checked my email, I was able to verify that the email was sent from a verified/secure email account affiliated with XXXX. I called XXXX and reported the account as fraudulent, and they successfully closed the account. Following that phone call, I created an account with XXXX and reported the fraudulent activity and froze my credit. Today, XX/XX/year>, I called my banking institution to check activity on my account, and confirmed that no suspicious activity was found. I will be following up with Capital one today to ensure the accounts have been closed and dealt with
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: JPMORGAN CHASE & CO. (TX)

Someone impersonating me opened a credit card with Chase bank. This happened around XX/XX/XXXX. Somewhere around XX/XX/XXXX, Chase alerted me of potential malicious activity. We discovered the card was opened without my knowledge. The card was closed soon thereafter. Chase Charged Off the account balance of {$9800.00}. This is showing up on my credit report and needs to be removed.
Consumer complaint received 2022-12-21
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

When I investigated my credit report, I realized that some of the information was erroneous. Experian and XXXX are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX Balance : {$20000.00}
Consumer complaint received 2023-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-05-08
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: PENTAGON FEDERAL CREDIT UNION (CA)

Penfed credit union adjusted my loan payment amount from {$590.00} - {$150.00} XXXX the account representative made a mistake with the quote. I made all the {$150.00} payments on time. Penfed reported the payments as late since they wanted {$590.00}. 

I reported Penfed to Consumer Finance and received a prompt letter from XXXX XXXX XXXX President of Collections who said that my account would be made current. 

Yet the letters I received from Penfed Credit bureau specialist XXXX XXXX and XXXX XXXX refuse to contact the credit bureaus to resolve This has been going on for over a year now and XXXX XXXX and XXXX XXXX do not offer a direct contact method. When i call Penfed the agents try to send them messages to no avail. 

Attached are the documents supporting my case. 

XXXX has damaged my credit worthiness through no fault of my own.
Consumer complaint received 2023-09-12
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. (MA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (TX)

I have contacted Lexis Nexis multiple times in regards to a Bankruptcy on my consumer reports. Each agency XXXX, XXXX, and XXXX all state that they " verified '' the bankruptcy with Lexis Nexis. Lexis Nexis states they " verify '' through a system called " XXXX ''. I contacted XXXX and they provided me proof they in fact DO NOT verify any information with the consumer agencies. I also contacted the BANKRUPTCY XXXX to inquire if they " verify '' any information with consumer agencies. As you can see from the certified letter from the United States Bankruptcy XXXX also DO NOT verify any information with consumer agencies. Lexis Nexis and the other agencies have no legal right to report this bankruptcy on my consumer reports. I know my rights as a Consumer and I know that these companies have no permissible purpose for this account. You are improperly reporting an alleged Public Record to the credit agencies that is clearly in noncompliance with recognized XXXX Reporting Requisites per the CRGG as well as the FCRA, and thus damaging my credit. 
Without being certifiably compliant with XXXX reporting standards, you are in violation of the required permission to report a single aspect or notation of any alleged accounts, much less a public record that was not even reported to you by the alleged XXXX XXXX XXXXXXXX. DELETE the alleged Public Record IMMEDIATELY!
Consumer complaint received 2024-05-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BMO Bank, N.A. ()

I XXXX XXXX POA for XXXX XXXX. XXXX took a cashiers check to BMO for deposit, they took {$100000.00} an put it in a CD acct, an {$30000.00} in his checking. However we thought the whole thing was put into his checking until we received a statement which only showed the {$30000.00}. We then went to the branch, to speak with mger. He told us it was put in XXXX. Asked why he said XXXX told him to do so, so not true. After XXXX asked if they can add my name to acct, he said he had to talk with regional team first, told us XXXX have an answer within 3 days. We go back in 3 days to get the answer, he said still waiting. At this point XXXX asked to close his accts, he said he could close checking, but suggested he keep XXXX open. After XXXX said he wanted to close both accts mger then said he has some concerns. We asked what they were, he then said he didnt think XXXX XXXX state was right. However he had the same XXXX XXXX  he had when bringing the cashier ck into the branch. I asked who authorized the CD acct, he said a banker, I said only manager can do so not a teller. He said his counter partner or his self, XXXX then interv
Consumer complaint received 2023-04-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is my Third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX : {$1300.00} XXXX XXXXXXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$25000.00} XXXX  XXXX XXXX, XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX Balance : {$1300.00} BANK XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX XXXX : {$25000.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX XXXX : {$1300.00} XXXX XXXX  XXXX XXXX XXXX : {$0.00} XXXX XXXX  XXXX Balance : {$25000.00} XXXX Inquired on XX/XX/XXXX XXXX, XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XXXX XXXX, XXXX
Consumer complaint received 2024-01-28
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC (TX)

Recently, a collection has been added to my credit reports causing a hard ship. 

The collection is from a company named DRS ( Debt Recovery Solutions ) based in New York. 

I reached out to this company via phone calls and emails requesting proof that their company and had any business dealings together and asking them to remove this collection. 
I have yet to receive any documents with my signature and DRS agreeing to do any business together. 

Im requesting that CFPB, help remove this collection from my credit reports. 
Ive tried reaching out to this company but am getting no where. 

Thank you. 

XXXX XXXX
Consumer complaint received 2023-12-13
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: Empower Finance, Inc. (OH)

On XXXX I attempted to get a loan in the amount of {$350.00}. I used the standard transfer option. On XXXX I received an email staying that due to a technical error my loan will arrive on XXXX instead. I did not receive my loan and opened a ticket on XXXX. XXXX responded that my loan failed due to a technical reason and that I should try again. Per support, I requested a test loan draw of {$48.00} and paid the fee for same day deposit. That loan was received that day. Following that, I requested a loan in the amount of {$340.00} and paid the same day fee. The {$340.00} loan did not arrive that day. I proceeded to contact support for additional assistance. Per support, I XXXX the auto-pay function until the issue was resolved. On XXXX my XXXX XXXX  was charged {$360.00}. I promptly contacted support for an immediate reversal. This lead to the account to be severely overdrawn and I am unable to make payments on bills. I attempted to follow up on XXXX. I did not receive a reply until XX/XX/11, in which Empower was still 'researching ' the issue. However, I am now incurring fees with my bank. On XX/XX/11 I filled a dispute with XXXX XXXX to reverse the transaction and have submitted the support tickets. 

Empower has been incredibly slow resolving an issue that is causing a major problem and incredibly high fees for me.