davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

DEBT COLLECTION COMPANY IS FALSELY REPORTING ALLEGED DEBT WHICH IS A FDCPA SECTION 807 VIOLATION 15 USC 1692e. THE ALLEGED DEBT CAN NOT BE VERIFIED AND I HAVE YET TO RECEIVE A RESPONSE AFTER 30 DAYS WHICH IS ANOTHER VIOLATION.
Consumer complaint received 2020-03-11
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. (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2018 JPMCB AUTO XXXX 2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the XXXX breach Identity theft. My information was also impacted by the XXXX data breach and May have got into the hands of the wrong person. All is being investigated by the FTC.
Consumer complaint received 2021-01-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (VA)

I accidently made TWO {$200.00} payments in XXXX which nelnet happily accepted so I assume I owe NOTHING for XXXX since I'm ahead one month. I'd email nelnet myself and ask them but their customer service sucks and apparently only robots reply to emails.
Consumer complaint received 2021-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (FL)

I contacted carecredit/synchrony bank account number XXXX to change my payment due date and they agree to do so but then reported my account 30days late to the credit bureas.Ive never paid late please remove this remark from my credit
Consumer complaint received 2024-06-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC (OR)

My mortgage broker, Newrez, has sent two letters threatening to buy XXXX insurance for me, were I unable to provide documentation of my XXXX insurance, which is renewed yearly. The website Newrez provides in the letter ( s ) for uploading pertinent documents, XXXX, has been reading " error uploading data, '' for more than a month. I've logged in several times a week to attempt to submit the documents. 

Today, XXXX XX/XX/year>, I placed a call to the NewRez Mortgage LLC Insurance Department and stayed on hold for XXXX minutes to talk to a person because twice before I left my number asking for a " call back, '' when prompted, and I never received a call back. 

The employee I spoke with took all the information that I provided, permitted me to email the documents demonstrating proof of hazard insurance to him at XXXX, and after we spoke, and I waited some more, declared that he had successfully submitted the information for me. I thanked him profusely, told him he was doing excellent work, and also let him know that I am compelled to file a complaint with CFPB against Newrez for erecting barriers that prevent mortgage holders from providing the information Newrez requires. 

I am a retired person, able to spend hours fighting a system designed to prevent easy access. I'm making this complaint in the name of workers who don't have this luxury. Someone, somewhere has given up and decided to pay the {$1900.00} extra per year to Newrez because they aren't able to fight against the time and inconvenience barrier that Newrez has put in place to prevent mortgage holders from demonstrating their hazard insurance coverage.
Consumer complaint received 2023-01-16
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: EQUIFAX, INC. (NJ)

i have challenged the 100 % accurate reporting of this XXXX charged off account being reported by the credit bureaus as required by law 6 times now... i have pointed out that this account is being reported as a re aged account ... .., equifax and XXXX are still reporting inaccurate information on my credit report and doing so they are violating my consumer rights... i have attached proof of the inaccuracies but let me write them out for you if you take a look at the date of last payment the bureaus are reporting XX/XX/XXXX, and but if you look at the XXXX  year payment history they are also reporting it as XX/XX/XXXX ... .this is inaccurate reporting and a violation of my consumer rights look at the account numbers being reported as they differ XXXX and XXXX... one has a - in fromnt this in inaccurate... all 3 cant be accurate and therefore they are violating my consumer rights
Consumer complaint received 2021-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA (TX)

One more time, I can not be late in XXXX when I paid it off in XXXX. Still there are accounts now showing 120 days late in XXXX of 2020. Almost 18 months after this was paid. This is retaliation for asking them to report correctly
Consumer complaint received 2021-01-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (CA)

XX/XX/XXXX, XXXX reported card as lost, paid off balance, then locked the account. card was lost, but account had XXXX balance, no fraud to report. 

Lock  feature stated all future transactions would be declined. This is exactly what I wanted. new card arrived in the mail, I never opened the envelope, never unlocked the account. Account stated " locked since XX/XX/XXXX ''. 

On XX/XX/2020, a XXXX charge occured. I had not opened the envelope to even see my card, and the account still stated LOCKED. Called in a fraud notice, frustrated and confused how the account was " locked '', still stated it was " locked '', and yet a transaction had gone through. Customer service suggested that possibly someone had stolen my login credentials, logged in, unlocked the account, used my credit card ( which was still in a sealed envelope on my desk ), made the transaction, then logged back in, and re-locked the account. I asked how the transaction happened on XX/XX/XXXX while my account still stated " locked since XX/XX/XXXX '', and a supervisor told me that " sometimes the lock doesnt do anything. '' this is recorded on my call on or around XX/XX/XXXX, I don't have the exact date. 

I was told the account was closed for fraud, and a new account number was issued, and a new card would be sent out. Frustratingly, this " unlocked '' the account. I logged in, locked it again, and the new card arrived in the mail. I did not open the envelope again. I made sure the account was at XXXX balance. again, new account, new card, locked account, sealed envelope. 

XX/XX/2020, ANOTHER charge occured from " etsy '' for {$1.00}. I have not opened the sealed envelope to access my card number, and the account is still " locked. '' I apparently have no control over my own account, and routinely, it is somehow being given across the internet. If I don't log in regularly and report routine fraud, I would go into late payment, as I have not made any purchases since XXXX. 

Chase is not doing anything to prevent this, and will not answer how my account is being leaked with routine efforts to prevent this on my end.
Consumer complaint received 2023-01-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (CA)

I had a checking and savings account with Wells Fargo. I was induced into opening them in branch by a representative who highly recommended that I open the account even if I didn't need it since the were no fees whatsoever. I followed his recommendation. Later I learned the bank had drained my account by taking {$25.00} per month out for service fees and charged over draft charges after they had taken all of my money. I called Wells Fargo for assitance and they did not return my calls. Today I spoke again to XXXX in their customer Redress Department who refused to assist. I never received a claim form.
Consumer complaint received 2021-01-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will file a lawsuit ASAP!
Consumer complaint received 2023-01-16
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Designed Receivable Solutions, Inc. (CA)

My name is XXXX XXXX XXXX XXXX a federally protected consumer, and I am making this complaint against Design Receivable Solutions for their abusive, deceptive, and unfair collection practices in the collection of extensions of credit. In a conspiracy with the consumer reporting agencies to cause a restraint of trade and commerce, this debt collector has engaged in racketeering activity. I have never given this company any consent to be in possession of my nonpublic personal information. I disaffirm any alleged agreement or contract between I, the consumer, and the original creditor, whether implied or explicit. This account is a billing error. Please provide me with documentary evidence of the obligors indebtedness. 

This company is in violation of the false claims act and is jeopardizing my consumer credit reputation with other financial institutions by fraudulently furnishing this alleged debt to coerce payment. Any payments made or future payments are a result of threat, duress, and coercion, due to undue influence.

I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Design Receivable Solutions can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Design Receivable Solutions continues its collection efforts, I will file f
or litigation for actual damages caused and Design Receivable Solutions shall be liable for violations of TILA, FCRA, XXXX, XXXX, the XXXX XXXX XXXX, XXXX Act, XXXX XXXX XXXX FTC XXXX and XXXX Act. 

Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant XXXX XXXX. Your prompt attention and response are both requested and required.
Consumer complaint received 2021-01-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc. (MA)

I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2024-03-21
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Exeter Finance, LLC. (CA)

Exeter Finance repossessed the XXXX XXXX XXXX XXXX on XX/XX/XXXX around XXXX at night. They did not knock on my door to retrieve the keys. They did not allow for me to grab what little materials I had in the vehicle. The next day I get a call from Exeter Fiance saying that I owe on the vehicle. I said I'm sorry but I do not have the money to pay for it and either way it's already been picked up. The lady goes on the script of you signed a contract and are responsible for the remaining balance. I said again sorry but I will not be paying any more money to you guys. The car HAS TWO OPEN RECALLS ONE LEFT LOOSE AXLE. XXXX XXXX XXXXXXXX where the vehicle was purchased has failed to contact me regarding parts available to fix the vehicle. Exeter Finance keeps calling me saying I owe them money. I won't pay for something defected and plus I don't have a steady income. I always said I did XXXX. The sales " gentlemen '' pulled their strings lying to the finance company saying I still worked at XXXX XXXX.
Consumer complaint received 2023-02-13
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. (CA)

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts XXXX XXXXXXXX XXXX account # : XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX
Consumer complaint received 2021-01-15
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

It is understood the Fair Credit Reporting Act ( FCRA ) requires a creditor or other business to give copies of applications and other business records relating to transactions and accounts when requested in writing. In its XX/XX/20 Investigation Notice XXXX and subsequent communications TransUnion reported it received and verified all transactions and accounts of XXXX XXXX # XXXX. Upon phoning XXXX yesterday, XXXX employee # XXXX confirmed the existence of its verified records provided by XXXX but refused provision of these business records relating to transactions and accounts. TransUnion has been repeatedly, in writing, requested for 178 days to provide applications and all other business records relating to fraudulent XXXX XXXX # XXXX, XXXX XXXX XXXX,, XXXX, TX XXXX, ( XXXX ) XXXX transactions and accounts. Please provide all documents/records by return email to XXXX.
Consumer complaint received 2021-01-15
Product: Vehicle loan or lease — Lease
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AMERICAN HONDA FINANCE CORP (MA)

I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State XXXX and XXXX statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE
Consumer complaint received 2024-03-23
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)

Student loans totaling {$48000.00} 1st- high balance {$16000.00} 2nd- high balance {$13000.00} 3rd- high balance {$10000.00} 4th- high balance {$7700.00} 5th- high balance {$8000.00}.

I have submit request to the credit bureau to items removed or some sort of action be taken otherwise. Request were submitted through credit bureaus.

These loans were granted during the time at her educational institution ( approximate time of acceptance until XXXX  )
Consumer complaint received 2020-03-11
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TN)

Equifax responded to a complaint confirmation # XXXX on XX/XX/2020 stating that my XXXX account XXXX was being reinvestigated. It has been over 30 days and as of XX/XX/XXXX the account is still showing reinvestigation in progress. The payment history is inconsistent with the reporting and has been removed from XXXX  due to unable to legally verify and must be deleted due to violation under the FCRA. 
In addition the XXXX account XXXX is showing a status of charged off and in collections. This account is paid in full and should reflect the actual status of the account. Equifax also has failed to include " notice of dispute '' in violation of FCRA. 
This conflicting information on these accounts has caused a denial of credit and is also causing me an undue burden in my search for employment. I demand this information be correct or deleted from my file immediately.
Consumer complaint received 2023-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: SANTANDER HOLDINGS USA, INC. (AL)

On or About XX/XX/XXXX I XXXX XXXX did check my credit report and I noticed that an Auto Loan was opened in my name on or about XX/XX/XXXX by the XXXX Santander Consumer Usa and I XXXX XXXX did not authorize no auto loan to be put in my name so I contacted Santander Consumer Usa and asked them to verify this account because it was Fraud and I did not give anyone no permission to put a car in my name and how did XXXX get my information to open up an account in my name also I told them that I never went to no XXXX to register that car nor did I put any insurance on this car so they told me that It would be deleted but It is still showing up on my credit report
Consumer complaint received 2021-01-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (NY)

The XXXX didn't perform the services that he was paid for by Citi Master Card. After we put the payment on dispute, he provided us a Release Letter stater that he wouldn't contest the dispute. However the Citi instead of contacting the merchant and having confirmed that crevice was never performed returned the money to the merchant and put a charge back on our account. Nobody in the Customer Service has any qualifications to answer why they did it after I spent hours on the phone with them.
Consumer complaint received 2021-01-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (IL)

Card was charged for something without my authority, merchant sent a copy of their invoice ( which is CLEARLY not mine ) and yet the credit card company reversed the charges.
Consumer complaint received 2023-01-21
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. (FL)

In accordance with the Fair Credit Reporting act 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, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2021-01-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes.
Consumer complaint received 2021-03-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Hi I got my statement for XXXX with the amount of {$35.00} for interest and fees.. which on XX/XX/21 I paid my full amount balance.. and now I got this statement. And I call my credit card to resolve this issue but they told me that for my account to be XXXX balance is to paid this fees.. thats a rip off for this company to charge customers for accounts that are paid off
Consumer complaint received 2023-02-13
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)

I reviewed my Consumer Reports and noticed that I had late payments on some accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the accounts : XXXX XXXX Balance : {$27000.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$1700.00}
Consumer complaint received 2021-01-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Nelnet, Inc. (DC)

Sir or Madam, I trust you and your team are safe and sound. In the last 180 days, I have received calls from a Student Laon Forgiveness Program. They keep saying I need to complete my application. I have no idea what they are talking about to date. I asked Great Lakes about it and they informed me it is not from them. The last number is XXXX and the poc number is XXXX. 
Please confirm that I am not missing a great Federal Program or that is a scam. Thank you in advance for your assistance with this matter. 

V/r XXXX XXXX