davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-16
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (IN)

I have an account in collections on my credit report. Original credit was XXXX XXXX XXXX who turned it to collections thru Midland Funding. I never satisfied the debt and when I first called, possibly XXXX of 2020 ( not sure on exact date ) Midland Funding directed me to call XXXX XXXX XXXX XXXX XXXX and provided me their number. When I called in, the person on the phone told me my account was new and was locked, whatever that means. So I left my contact info hoping they would contact me. When I did not get a call, letter or email, I called back and was told the same thing. The lady on the phone understood my frustration but would not share a single detail of my account, answer any questions about why it was still locked and said I cant even pay on it. Yet again, still no contact from this law office that is supposedly in control of a debt on my credit report which is severely hurting my ability to get a simple loan or credit card. It is the only account in collections I have and they will not give me any options to move forward. I even submitted a settlement offer on their website hoping it would get things going but still ZERO contact from them. It is wrong for them to be able to negatively affect my credit report without ever sending me documentation as requested, not providing me any information, and failing to communicate with me. I was willing to pay but now I just want this removed from my credit report since they cant verify it or even unlock my file so I could pay on it.
Consumer complaint received 2023-11-10
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. (IL)

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX {$16000.00} XX/XX/XXXX
Consumer complaint received 2024-04-30
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (CA)

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Formal Complaint Against Chase Bank for Failure to Honor Advertised Incentive Dear Sir/Madam, I am writing to lodge a formal complaint against Chase Bank regarding their failure to honor an advertised financial incentive, which I believe constitutes deceptive business practices under the terms of consumer protection laws. 

On our about XX/XX/2024, Chase advertised a promotional offer promising a {$900.00} incentive for opening a new Savings and Checking Account, provided certain conditions were met. These conditions included setting up direct deposits and depositing a minimum of {$30000.00} in new money into each of the newly created accounts. Trusting the integrity of Chase, I proceeded to fulfill all the stipulated requirements.

Despite meeting the criteria for the promotion, Chase has only credited {$300.00} to my account instead of the promised {$900.00}. This discrepancy came to my attention on XX/XX/2024, after reviewing my account statements and noticing the shortfall in the expected incentive. 

Upon discovering this, I immediately contacted Chase customer service for clarification and to rectify this error. However, the responses received have been unsatisfactory, with no concrete resolution provided, nor any valid reason as to why the full incentive was not honored as advertised. 

This experience has not only caused financial disappointment but also significant distress, as I had made financial decisions based on the original promise made by Chase. 

Therefore, I am seeking your intervention to resolve this matter. I request that Chase be investigated for this potentially deceptive practice and that appropriate measures be taken to ensure they honor the originally advertised incentive. Furthermore, I ask for your assistance in securing the remaining {$600.00} that was promised to me. 

Thank you for your attention to this matter. I am looking forward to your prompt response and am hopeful for a favorable resolution. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-04-26
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Messerli & Kramer P.A. (MN)

Messerli Kramer bought my credit debt from XXXX XXXX They have garnished my paycheck twice now when I have been on medical assistance. They have not credited me the amount they have illegally garnished from me and continue to try to ask for more proof of me being on medical assistance over and over again. I switch jobs and they instantly ask for proof of medical assistance which i provide and they still garnish for a short time never giving me credit for the amount taken. They have garnished over {$800.00} that has not been credited to my amount owed and continue to try to garnish my checks.
Consumer complaint received 2023-11-10
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: TD BANK US HOLDING COMPANY (NY)

On XX/XX/2023 Norstrom send a letter blocking my credit until they confirmed my identity and giving me a phone number to call, please referred for that letter previous complaint, I called the number to confirmed my info and when they ask me about my legal status I XXXX I say I have credit for tax id and a process to get legal resident, they ask me by when and I say around end of the year, they say unfortunately you was approved by mistake after almost 8 months they say because I don't have a social security number, I say I have more than 5 credit cards including store credits and credit by the credit bureau, I just recently find out I have a rights and protection by CFBP because Nordstrom denied and closed my credit card for no legal status in the country .I offered to provided my stated ID, electric bill and my passport and they say its not sufficient because my legal status in the country I don't have social security number, totally unfair.
Consumer complaint received 2024-05-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CA)

Paid a vendor with a personal check on XX/XX/2023. The vendor held the check XXXX months before depositing into their checking account. I've called Chase XXXX time regarding this matter. Personal checks expire after XXXX months but yet the check was still cashed. I was told something different every single time I called. On XXXX it states that personal check expire after XXXX months due to the Uniform Commercial Code but yet i hav n't received my money back. At the time the check clear I did NOT have enough funds to cover the check which is another reason why the check should not have cleared.
Consumer complaint received 2024-04-30
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CA)

In XX/XX/2004, I began taking out private students loans to attend XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX however I was unaware that they were XXXX XXXX XXXX. I was informed by XXXX XXXX XXXX officers that the XXXX XXXX I was receiving was all part of the XXXX programs. I have been struggling to pay those same XXXX XXXX  to this date, almost 20 years and XXXX XXXX XXXX XXXX XXXX in interest later. 
Thousands of XXXX  were scammed by Navient into taking out predatory XXXX XXXX  to attend for XXXX XXXX  such as the one I attended. XXXX XXXX XXXXXXXX are no longer in business due to these predatory practices. 
Because of the numberous claims of fraud and misconduct perpetuated by these for XXXX XXXXXXXX, I was able to file a XXXX 's XXXX claim with the XXXX XXXX XXXX 
I am aware that Navient was sued by XXXX state AGs regarding their predatory lending practices and that XXXX XXXX/Navient were the " preferred '' lending company in a " deal '' with those XXXX during the early XXXX. 
I am aware of a " pilot '' program by which Navient is sending out " applications '' to " select '' XXXX who may have filed XXXX XXXX claims against their XXXX and were approved. This application is a sham. Why do we need to prove anything? Navient has all of our information. Under the XXXX " XXXX XXXX '' Navient is liable for giving predatory loans in connection with for XXXX XXXX 
Time is running out for Navient to do right by XXXX who were scammed into taking out XXXX XXXX XXXX 
XXXX XXXX XXXX has sent a letter to Navient 's CEO asking to discharge these loans now.
Consumer complaint received 2021-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

old reaged accounts repeatedly slander my name and never go away. My scores are repeatedly dinged hundreds of points for reaged debts not mine, not owed, disputed in full ( as law allows for refusal to remove debts not mine- including fruad ). XXXX/XXXX/XXXX  XXXX  outright refuses to remove the debt whatsoever. Ive heard excuse in the book. TU is abusing priviledge here- slandering my name with inaccurate info beyond the statute of limitations in all 50 states. account age is from late XXXX, not XXXX. Account is NOT OPEN, NOT UNDER ACTIVE COLLECTIONS, TO DO SO IS UNLAWFUL. company responsible for reporting this info does not care. Accounts listed as fcra and fdcpa compliant- if they were, they would not be in my files. I DEMAND TRANSUNION RESTORE MY GOOD NAME AND REPUTATION IMMEADIATELY- and purge this XXXX from my files. Reported XXXX XXXX XXXX  united- which is the accurate state of affairs.
Consumer complaint received 2023-07-04
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under as open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-12-31
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. (PA)

COMPLAINT ID XXXX SUBMITTED ON XX/XX/2023 PRODUCT Credit reporting or other personal consumer reports ISSUE Improper use of your report I file a complaint with the CFPB against XXXX XXXX for violating 15 U.S. Code 1681b, a consumer report containing information about an individual 's child support payments should be kept confidential and only used for specific purposes, such as establishing the individual 's capacity to make child support payments, determining the appropriate level of such payments, or enforcing a child support order, award, agreement, or judgment. The law explicitly states that this information should not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose. The company did not respond to this complaint. They responded with a script about the accuracy of the information which was not the complaint, so therefore, my complaint was never addressed, and I would like for my complaint to be addressed specifically for what I wrote in the complaint. I do not understand how the CFPB can accept this without doing any type of investigation to see whether or not my issue was addressed. My issue was not addressed, and I need for somebody to make sure that the issue that I am reporting is addressed.
Consumer complaint received 2023-04-26
Product: Vehicle loan or lease — Lease
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN HONDA FINANCE CORP (ME)

I am writing to request that Honda Financial Services immediately cease sharing my personal and financial information with credit reporting agencies. I have reviewed my credit reports and have noticed that information pertaining to my account ( # XXXX ) with Honda has been reported to credit reporting agencies. 

I understand that Honda may have a permissible purpose for accessing and sharing my credit information for certain purposes, such as extending credit or collecting on a debt. However, I do not believe that Honda has a permissible purpose for sharing my information with credit reporting agencies at this time. 

Therefore, I request that you immediately cease all sharing of my personal and financial information with credit reporting agencies, as allowed under the Fair Credit Reporting Act ( FCRA ). Additionally, if any negative information related to my Honda account has already been reported to the credit reporting agencies, I request that you correct the information to reflect that the account has been paid as agreed or otherwise XXXX  it out. 

Thank you for your prompt attention to this matter. I expect a response from you within the time period required by law. 

Sincerely, XXXX XXXX, a natural person
Consumer complaint received 2023-09-25
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

In late XXXX, I opened an additional savings account with HSBC Bank USA - called a Premier Relationship Savings Account. The Account is tied to the Premier Checking account I have had since XXXX. 

The features of the savings account were that you would receive a much higher " relationship '' savings rate if in the previous month you completed certain tasks like make a direct deposit or use the debit card. 

For many months I had my paycheck deposited into the Savings Account, and had always received the special savings rate ( far in excess of the basic rate ). 

Suddenly in XX/XX/XXXX, I stopped receiving the high interest, and only received {$4.00} on a {$100000.00} balance instead of expected {$400.00}. This happened again in XX/XX/XXXX, and I only noticed both months ' issues in XXXX when I contacted HSBC. 

I later learned that HSBC had made a mistake. I was a former employee of HSBC ( XXXX ) and they had coded my account as an " employee '' and it was only because of this code that I was receiving the higher rate. In fact, my deposits had nothing to do with it, because I accidentally had them made to the " Savings '' instead of the " Checking '' account. 

While it seems I made a mistake, I was relying on the same actions from every single prior month, and of course, when suddenly the interest rates were much higher later in XXXX, HSBC seems to have turned my account off without notifying me.

HSBC claims I was properly notified of their mistake - and I never received ANY notification of their error - otherwise I would have reviewed all my actions and made sure that I was eligible for the higher rate on my own. By failing to properly notify me of their mistake, they cost me the opportunity to " fix '' what appears to have been my own misreading of their very confusing promotion! ( Who would have noticed that it mattered which account you deposited funds to. )
Consumer complaint received 2024-04-30
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: DISCOVER BANK (MI)

The Discover credit card was attempted to be in the last 10 days without my consent or knowledge. I have reached out to Discover about this information but I will not find out the full scope till 7-10 days from now.
Consumer complaint received 2023-07-20
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: Experian Information Solutions Inc. (NC)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX , NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX , NC XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XX/XX/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 XXXX XX/XX/XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX ; XXXX XX/XX/XXXX ; 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 XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2022-10-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I'm XXXX XXXX, and I'm sending you today this CFPB complaint to let you and the credit reporting agencies know that I was a victim of identity theft. According to FCRA section 605b, credit reporting agencies are required to block/remove any accounts listed on an identity theft report. I did some research on how to remove the fraudulent accounts from my report and discovered that I needed to visit the Federal Trade Commission or https : //www.ftc.gov to file a report. Please refer to the ATTACHED materials to help stop false information from being put to my report. The following is a list of the accounts and objects that do not belong to me or that were opened without my consent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$980.00} XXXX XXXX XXXX XXXX Balance Owed : {$1400.00} XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$92.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$340.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA Section 605B ( a ) states that the CREDIT REPORTING AGENCIES must block any information in a customer 's file that the consumer claims came from an alleged identity theft no later than 4 business days following the date of receipt.
Consumer complaint received 2023-12-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I requested a copy of the original signature from the application be sent to my home address. I am requesting proof that Portfolio recovery allowed to practice debt collections in the State of Florida. This account has been be reported negatively for over seven years. I request on several occasions the reporting history from the opening of this account be sent since 2016. If Portfolio recovery had the complete file it would show the original Date of the application., Reassignment to collections does not restart the seven year window. Please send a complete file that shows each purchase each month to compute the amount claimed owed.
Consumer complaint received 2023-08-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (NV)

Carrington failed to post my XXXX payment of {$5000.00} sent via check in mail. Assessed late charge and now will credit report late. The timing of the failure is suspiciously coincidental as there is currently an outstanding request for CFPB investigation for Carrington 's pattern of practice on force placed insurance.

I have over 20+ mortgages over 24 years and have never missed a mortgage payment or lapsed in hazard insurance. Since my mortgage was sold to Carrington, my proof of insurance have mysteriously gone missing ( resulting in very expensive force placed insurance ) and now a payment is missing ( resulting in late fee and derogatory credit report ).

I tried to request credit reporting suppression until this matter is resolved with their customer service. However, Carrington refused. Claiming only way is to send a fax ( my call was recorded, please request from Carrington & listen ) or mail. Why is Carrington offer electronic communications ( such as statements ) when it is cost effective and convenient for Carrington but make dispute submission extremely difficult?

Attached is a copy of letter sent to Carrington for credit dispute for record given the strong track record of Carrington losing customer submissions when it is to the interest of Carrington.
Consumer complaint received 2024-04-30
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)

Ensuring timely payments on this account has been a priority for me, ensuring they're never overdue. I'm unclear about the reasons behind the reports of late payment remarks on my accounts. As per 15 USC 1666b, billing errors should be corrected.
Consumer complaint received 2023-11-10
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: NAVY FEDERAL CREDIT UNION (GA)

I submitted a loan application on XXXX for an auto loan for {$25000.00}. The credit union replied with an increased loan amount of {$27000.00} which was great. 

On XXXX I received an email stating that the loan was approved and that NFCU needed additional details. However, the communication did not have reference a date that my loan would be canceled. I called on XXXX  to figure out how to complete the loan and the bank informed me that the loan was cancelled and that I had to submit an additional application. I submitted the second application was pended for further review. 

I spoke with two managers trying to explain that I believe that I was not treated fairly given that the email did not reference the application would be cancelled. 

I do not believe the email notice meets the notice of incomplete requirements and this negatively impacted me as a consumer. 

The loan was never funded so I do not have a loan number.