davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (DC)

XXXX. Complaint XXXX makes it difficult for consumers to obtain a copy of their report. 

XXXX XXXX XXXX XXXXXXXX issued a denial based upon the information provided by the complaint XXXX. It is possible that the complaint XXXX compiled information on the consumer that contained inaccuracies, leading to the denial.
Consumer complaint received 2021-10-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: PNC Bank N.A. (NC)

I made a payment using PNC bank 's website for an auto loan. There is not option to pay an extra amount to the principal of the loan so I assumed any excess amount would be applied to the principal. I later checked my account and the excess amount was applied as a regular payment. 

I contacted customer service and they said that they would correct the problem. I also asked if there was any way to make additional payments to the loan. They said no, that I would have to contact customer service each time I wanted to make a principal payment online.
Consumer complaint received 2021-10-08
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: JPMORGAN CHASE & CO. (TX)

Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.
Consumer complaint received 2021-10-08
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. (TX)

My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them the last letter for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, XXXX has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. Below are the accounts that are still reporting on my account : XXXX XXXX  Date of inquiry XX/XX/2020 XXXX  Date of inquiry XX/XX/2020 XXXX  Date of inquiry XX/XX/2020 XXXX  Date of inquiry XX/XX/2020 XXXX  Date of inquiry XX/XX/2020 XXXX  Date of inquiry XX/XX/2020 XXXX  Date of inquiry XX/XX/2020 XXXX  Date of inquiry XX/XX/2020 XXXX XXXX Date of inquiry XX/XX/2020 XXXX  Date of inquiry XX/XX/2020
Consumer complaint received 2018-06-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems (TX)

I am applying for a home loan and Midwest Recovery Systems is putting small debts on my credit files that do not belong to me. I finally paid a XXXX $ debt to attempt to get my mortgage approved. The company could provide no documentation of the debt and had my name, dob and SSN, they did not have the correct address and had an incorrect phone number until we contacted them about the debt to try to clear it up. Now it has been paid and they are not removing it from the credit bureaus. Every time I call I get a different date for when the information will be reported to the agencies.
Consumer complaint received 2021-10-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JPMORGAN CHASE & CO. (TX)

I have been disputing this account for some time now with JP MORGAN. I sent an initial dispute letter asking for verification of this account because I am not familiar with this account. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them. My letter was delivered on XX/XX/XXXX, and here is the tracking number XXXX XXXX  XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. I am sure there is a law that proves it.
Consumer complaint received 2021-10-08
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. (CA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX  XXXX-Date of Inquiry XX/XX/XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX XXXX-Date of Inquiry XX/XX/XXXX
Consumer complaint received 2023-03-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
has violated my rights. 

XXXX # XXXX XXXX # : XXXX XXXX #  XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

There is a need to insure that consumer reporting agencies exercise their Grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.

Subject to subsection any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Consumer complaint received 2021-10-08
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. (FL)

Hello, I tried to reach the Credit Bureaus by letter letting them what to correct on my Credit report, I havent received an answer, and at this point I just feel they are not going to cooperate with me, As I understand the Law says they are suppose to answer me and I feel they are preventing me from my right to know of what is going on with my credit report.
Consumer complaint received 2021-10-08
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (PA)

In XXXX I was temporarily employed with the Census Bureau and qualified for Income Based payments. On several occasions my income base was XXXX. I worked odd jobs and never was able to pay my students consistently. Later in XXXX, I returned for another temporary position with the Census ( 10 months ). In XXXX, I returned to work for the Census Bureau. I was told I did not qualify for the forgiveness program because I was not a permanent employee ( excepted position ). I worked consistently with the Census and moved for positions and new roles. In XXXX, i qualified for the forgiveness program and submitted an application. Recently ( XX/XX/XXXX ), I recertified my employment as an employee of DOL. A challenge is the amount of the student loans are incorrect. When I was not able to pay and got consolidations and deferments a couple of the servicers double the loans instead of calculating the one loan they counted them two times. I have been trying to explain but no one understand this has been a problem with amounts and the interest is paid on the excessive amounts which makes my loan payments unaffordable. The Servicers : XXXX XXXX, Navient and another servicers.
Consumer complaint received 2021-10-07
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (AZ)

My mortgage company will not file the claim necessary for me to payoff my account. I have a partial claim with HUD that Freedom must file for and they will not do so. I could loose my home because of their incompetency. I have been asking them to do so since XXXX, 2021. I have copies of each request I sent them. I have spoken to them on the phone several times as well. One phone the person from Freedom even stated that they were filing the partial claim from HUD as we spoke. HUD has no record of it. Either no one who answers the phones or reads the emails at Freedom knows how to do their job or they lie.
Consumer complaint received 2022-11-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate and verifiable credit information. I need that you eliminate this late payment on this account because they are reported wrong. You should corroborate your information and remove the negative information on this account. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. I want you to repair this account below : XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2021-10-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

TransUnion is allowing a company by the name of XXXX XXXX XXXX XXXX to submit fraudulent scam fake time-barred accounts onto people 's credit reports so TransUnion allowed such mentioned company to put that I am in collections with them I don't even know the company XXXX XXXX no one can tell me who the original creditor is it a fake faults or time-barred debt that goes against the fair debt collection action practices
Consumer complaint received 2021-10-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: SYNCHRONY FINANCIAL (NH)

PayPal Credit offers 2 types of promotional purchase programs.

1 ) 0 % interest if paid in full in 6 months, with deferred interest 2 ) 0 % interest with 24 monthly " Easy Payments '' ***If you have both types promotional purchases ongoing at the same time, payments made online will be applied mostly to the Easy Payments purchase instead of the deferred interest promotion. This is in spite of the fact that on the statements it clearly lists a " Monthly Plan Payment '', which is the original purchase price divided by 24.

***If you make large payments with the intent of paying off the 6-month promotion so as to avoid paying deferred interest, the payments are instead applied to the Easy Payments balance. The result is that you wind up paying off the 24-month promotion early while also owing the deferred interest on the 6-month promotion. Furthermore, if you make a purchase and return for a credit, the credit gets applied to your Easy Payments promotion!

***There is no way to force payments to be allocated to the Easy Payments promotion in such a way that the Monthly Plan Payment is made each month, with the balance of the payment being applied to the next 6-month promotion to expire.

***This seems to me to be purposely rigged to make customers pay interest, even if they are careful about making the payments on time and in sufficient amount to pay off all active promotional purchases. It's a scam - a subtle and complicated one that I am sure makes PayPal Credit a ton of money.

***I contacted the company when I realized that my Easy Payments promotion had been paid off 14 months in advance. They made an adjustment to the account to restore the Easy Payments balance - I thought the issue was resolved. I noticed several months later that the company continued to apply subsequent payments to the Easy Payments purchase instead of other active 6-month promotions. I called back, described the issue, and the woman said an adjustment would be made within 2 billing cycles. Never happened, and in the meantime a 6-month promotion expired. This resulted in a significant interest charge on my account. I called a third time, was disconnected several times, and eventually talked to a manager who said they could not restore the Easy Payments balance. He indicated that if a customer wants to only pay the Monthly Plan Payment, they need to call and request a " same-day reallocation '' each month after they make a payment. This is insane, and none of the other customer service reps said anything about this. I also never saw anything about this in any of the promotion descriptions. 

***By this time, I could afford to pay off the remaining Easy Payments balance ( which was supposed to expire in XX/XX/XXXX ), so I requested that I be given a credit for the interest charge. I paid off the remaining balance - otherwise I would be charged interest each month, even if I continued to make the promised Monthly Plan Payment.
Consumer complaint received 2023-03-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX is reporting a repossession on my credit reports that is inaccurate. The information regarding this reported account is verifying inconsistent information between each bureau and is reporting inaccurate information. The reporting balance they say I owe is invalid, as well as the last reported date of payment and activity on this account. If all of the credit bureaus receive their information from the same place, how are they all reporting inaccurate and inconsistent information? It is illegal for the consumer reporting agencies to not conduct a full and proper investigations regarding disputes and it is their responsibility to verify and report ACCURATE information on a consumers report. I am requesting that this account is deleted from my credit reports now!
Consumer complaint received 2021-10-07
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: EQUIFAX, INC. (IL)

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.
Consumer complaint received 2024-02-27
Product: Debt collection — Rental debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Debt Recovery Solutions, LLC (AL)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2021-10-08
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: CAPITAL ONE FINANCIAL CORPORATION (IN)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
Consumer complaint received 2021-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (AL)

I PULLED MY REPORTS ALL 3 I NOTICED BANKRUPTCIES IS REPORTING ON XXXX ONLY. I SENT IN ALL SUPPORTING DOCUMENTS, MY XXXX REPORT IS NOT REPORTING ANY BANKRUPTCIES AT ALL, XXXX STATED THAT THEY ARE, THAT IS INACCURACY INFORMATION, I ASK THEM TO REMOVE MY BANKRUPTCIES immediately immediately. THE FAIR CREDIT REPORTING ACT MENTIONS NOTHING IN SECTION 1681C RELATING TO BANKRUPTCY ABOUT DISMISSAL OR FILING.THE LAW CLEARY STATES FROM DATE OF ADJUDICATION OR DATE OF ORDER FOR RELIEF ANY CASE CIVIL OR OTHERWISE WHICH IS DISMISSED NO LONGER EXISTS IN THE EYES OF THE LAW, AND A CASE FILED MAY NEVER HAVE ACTUALLY BEEN ADJUDICATED.
Consumer complaint received 2022-09-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (NY)

Based on information provided by the Consumer Financial Protection Bureau 's website regarding how to stop automatic debit payments from my account ( https : //www.consumerfinance.gov/ask-cfpb/how-do-i-stop-automatic-payments-from-my-bank-account-en-XXXX/ ), I contacted JP Morgan Chase XXXX XX/XX/22 XXXX XXXXXXXXXXXX XXXX and asked them to stop allowing 7 specific monthly recurring debit transactions totaling {$200.00} from my checking account. Both a customer service representative and then a supervisor told me no, that in order to do that they would have to issue an entirely new debit card with a new debit card number in order to stop the automatic payments from recurring. I said no, that's not what the government site says about the policy, which includes 2 ways to do this through my bank : - Call and write your bank or credit union. Tell your bank that you have " revoked authorization '' for the company to take automatic payments from your account. Some banks and credit unions may offer you an online form. 
- Give your bank a " stop payment order. '' Even if you have not revoked your authorization with the company, you can stop an automatic payment from being charged to your account by giving your bank a " stop payment order. '' This instructs your bank to stop allowing the company to take payments from your account. 

I then explained to my bank how getting a new card number would be a big inconvenience to me because there are other transactions that occur regularly on my current debit card that I want to keep such as utilities and so forth. I said the government 's policy exists to protect consumers because canceling recurring automatic debit transactions shouldn't be an inconvenience, especially when I'm requesting 1 of 3 ways the US government 's website specifically says I can do this. I informed the supervisor of the CFPB page that I was referring to and his response was this was how Chase handles requests to cancel recurring automatic debit payments. I said then I'll be filing a complaint with the CFPB about Chase 's policy, which is not in line with the US government 's. Chase bank 's response was that this is the bank 's policy and if I don't like it I can file the CFPB complaint or take my banking elsewhere.
Consumer complaint received 2023-08-31
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. (NJ)

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


UNAUTHORIZED INQUIRIES : Experian XXXX XXXX XXXX XX/XX/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 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.