davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-04
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Goal Structured Solutions, LLC (MI)

I have asked all three credit bureaus to verify this alleged debt they claim I owe and that is damaging my credit profile via mail. The bureaus responded with verified I also disputed this account directly with the collector showing the inaccurate reporting that they have given the credit bureaus, and also sent a debt validation letter that they have not responded to. I am well of my consumer rights and they are being violated at this point this collector sent me a letter stating to show them the inaccurate reporting which I replied with a investigation letter pointing out the multiple inaccuracies with a copy of my credit report and highlighted everything inaccurate and ask them to investigate and remove this account from my credit report. They then responded back to me stating that my dispute is a duplicate and to provide them with the inaccurate information again which I sent the first time. This account hasn't been verified after my request and after me reporting out all the inaccuracies in the reporting. The law states all accounts have to be verifiable and 100 % accurate.
Consumer complaint received 2023-06-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I have a Capital One Spark Business credit card since early XXXX and accumulate over XXXX miles on the account. But since the pandemic our business slowed down and I have not been using the account and haven't received account statements regularly since last year. Then they billed me a annual membership fee of {$99.00} XX/XX/XXXX or XX/XX/XXXX but with the USPS service being unreliable, I didn't received the statements, e mail notice or text message notifying me about the account being delinquent or past due. Then I received a statement closing on XX/XX/XXXX ( XXXX XXXX XXXX ) saying that I have a balance of {$180.00} ( with late fees and interest to double the amount of the annual fee ) and I have until XX/XX/XXXX to pay the amount. When I got the statement on XX/XX/XXXX, I log onto my account online and called Capital One bank immediately and noticed they have credited all my account balance on XX/XX/XXXX and closed my account and told me that all my 310000+ miles are forfeited with the closing of the account. I felt like they did not stand by their statement to give me a chance to pay off the account and closed my account even before I received my statement was mainly wanting to cheat me of all my miles accumulated which is absolutely unfair to me as a consumer. They made money from what I have spent over the years over {$200000.00} then intentionally closed my account and made me forfeited all my miles. I tried to request the reopening of my account, but they refused and just engulfed and forfeited my benefits that I have earned over the years. Plus they didn't stand by their statement to let me pay off the balance before the due date, at which time I have over 20 days to pay them off, a blatant abusive act of cancelling and cheating me of my miles. That's why I have to file this complaint and if possible I will take legal action in small claim court, hope your bureau can help me to get my benefit back. This also hurt my credit score for a few months which was unfair.
Consumer complaint received 2023-05-25
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: Experian Information Solutions Inc. (FL)

I submitted a complaint last XX/XX/2023 and it was closed immediately. I submitted a complain again last XX/XX/2023 and again it was closed immediately with a reason ( The CFPB closed this complaint because it has already processed your earlier complaints about this problem. ). How can you say it was already processed when I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I'm reaching out regarding these fraudulent items and for assistance to REMOVE them immediately. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2023-06-21
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: Synerprise Consulting Services, Inc. (TX)

In accordance with the Fair Credit Reporting act. the account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I told the XXXX and XXXX to reinvestigate this account : Account name : XXXX -- - Account Number : XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. I requested proof of documents to this account and they could not provide any proof. 
According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 if the person knows or has reasonable cause to believe that the information is inaccurate. 
Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case
Consumer complaint received 2022-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

In accordance with the Fair Credit Reporting act my XXXX XXXX XXXX, has violated my rights. 
15 U.S.C. 1681 Section 602A, states that I have the right to privacy.

15 U.S.C. 1681 Section 604A, Section 2, states a consumer reporting agency can not furnish an account without my written instructions and permissions.
Consumer complaint received 2022-11-02
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: Experian Information Solutions Inc. (NY)

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 2023-06-28
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (TX)

Today, I called SPS Mortgage and spoke with relationship manager XXXX and informed her that my XXXX XXXX and XX/XX/2023, payments for XXXX and XXXX Principal and Interest only of {$200.00} were wrongfully posted under unapplied balance. Her response was that it would take XXXX days to correct the error, that is unacceptable. I stated that I spoke directly with a customer service agent on XX/XX/XXXX and made the XXXX payment and then scheduled the XXXX payment for the next day, XXXX XXXX since the agent stated that they could not take XXXX payments on the same day. XXXX was firm and stating that they send them to the payment department who in turn post it. That sounds as if the payment department decides how they want to allocate my funds, which is false, I decide. Also, they report erroneously to the credit reporting agencies based on their inaccurate decisions. Why as a consumer am I making payments to have SPS mortgage payment department servicing my loan for them to do what they want with my specific payment request ( XXXX )? This is not the first time this has occurred with SPS Mortgage Servicing , Inc. chooses to give excuses for their misconduct in handling my mortgage payments. I have yet to get my escrow account corrected from where they misappropriated funds that I clearly requested to me added to my escrow account over 8 months ago. Refusal ongoing in both areas gives false balances, false monthly statements, false narratives, false credit reporting and all this damages me as a consumer. This ought not be.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OH)

XXXX XXXX reported to lates on my credit account and neither are correct. One late was reported on XX/XX/XXXX and the other XX/XX/XXXX. I have asked them to provide proof or remove and I have not received any proof nor have they removed.
Consumer complaint received 2022-11-02
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: SYNCHRONY FINANCIAL (CA)

I signed up with Synchrony bank credit card through XXXX website in XXXX. The Synchrony bank has been charging me 1.6 % " Card Security '' fee to all my balances since the account was opened. I was not aware of such charge nor aware to elect such charges hence I consider this is an unauthorized charge item. I always paid my balance in full. Because Synchrony has not made it available for the complete record of my account, I calculated based on my own record that the balanced summed to be {$6000.00}, and unauthorized fees collected by Synchrony Bank is {$96.00}. 
Synchrony acknowledged the unauthorized charge, but only refunded {$31.00} upon negotiation. I am writing to report this unauthorization behavior for Synchrony and seek refund of {$65.00}. Thank you!
Consumer complaint received 2024-04-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (TN)

[ Your Name ] [ Your Address ] [ City, State, Zip Code ] [ Your Email Address ] [ Your Phone Number ] [ Date ] Consumer Financial Protection Bureau XXXX XXXX XXXX Iowa XXXX, Iowa XXXX Subject : Complaint Against LVNV FUNDG, Account Number XXXX Dear Sir/Madam, I am writing to file a formal complaint against LVNV FUNDING regarding their collection practices pertaining to account number XXXX. I believe that LVNV FUNDING has violated my rights as outlined under 12 CFR 1006.34 ( b ) ( 5 ), 12 CFR 1006.34 ( c ) ( 4 ) ( i ), 12 CFR 1006.34 ( d ), and 15 USC 1681-S2 ( 7 ) ( A ). 

Specifically, I would like to highlight the following points of contention : 1. Violation of 12 CFR 1006.34 ( b ) ( 5 ) : LVNV FUNDING has failed to provide me with proper notification regarding the debt collection process. I have not received any formal communication from them regarding the debt in question.

2. Violation of 12 CFR 1006.34 ( c ) ( 4 ) ( i ) : Despite the absence of adequate notification, LVNV FUNDING has continued with their collection efforts without providing me with the requisite information regarding the debt, including the amount owed and the original creditor. 

XXXX. Violation of 12 CFR 1006.34 ( d ) : LVNV FUNDING has failed to furnish me with a written validation notice within five days of their initial communication, as required by law. This omission has deprived me of the opportunity to verify the debt and exercise my rights under the Fair Debt Collection Practices Act ( FDCPA ). 

4. Violation of 15 USC 1681-S2 ( 7 ) ( A ) : LVNV FUNDING has engaged in unfair and deceptive practices by attempting to collect a debt without providing me with the necessary documentation to substantiate their claim.

In light of the aforementioned violations, I demand that LVNV FUNDING cease all collection activities related to account number XXXX until they can provide evidence of compliance with the relevant regulatory requirements. Furthermore, if LVNV FUNDING contends that they have provided me with proper notification, I request a copy of the certified receipt bearing my signature as proof of delivery, otherwise I request to delete this collection from my credit reports. 

I appreciate your attention to this matter and kindly request that you investigate LVNV FUNDING 's conduct in accordance with your authority under the Consumer Financial Protection Act. 

Thank you for your prompt attention to this issue. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX phone XXXX
Consumer complaint received 2023-06-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

I was sent to collections when I should not have been. The collection agency had reported account open account balances incorrectly. I disputed with all credit agencies and has been removed by all credit reporting agencies but equafax. I provided proof from original company that the account should not be in collections and I actually have a zero balance. I have a letter from XXXX explaining this and both the collection agency and equafax refused to remove. They have violated FCRA guidelines. Please help. I have disputed 3 times and nothing from both.
Consumer complaint received 2019-12-30
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. (TX)

Equifax is reporting incorrectly that I am ( 120 ) days late on the XXXX partial account numbers XXXX and XXXX. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.
Consumer complaint received 2023-06-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (PA)

On Monday XX/XX/2023 I went to the XXXX, Pa branch for my appointment at XXXX. I needed to change my last name on my account due to marriage. Processed the name changed and XXXX minutes after leaving the branch I get an email stating my account is going to be closed do to my account being compromised/risk of identity theft. I called the loss prevention number and was told to go to branch and show id and have the banker call to verify. Banker did so and was told my account supposedly had multiple failed login attempts on mobile banking from all over and that is why my account is being closed. They put a hold on all incoming deposits but not outgoing purchases. ( Still able to make purchases until XX/XX/2023 ) the banker asked if I could just open a new account and they said no I am no longer able to be a customer do to high risk. My account worked perfectly fine with no issues up until I did my name change. I believe something was done incorrectly on Wells Fargos end. I was treated horribly by the customer service representative from loss prevention and was hung up on. I have a copy of the email as well as the summary from changing my name.
Consumer complaint received 2023-10-31
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (MA)

I open checking and saving account in Jpmorgan case bank XXXX XXXX on XX/XX/2023 in order to receive fund from XXXX to pay wife and I XXXX XXXX  expense. 
After did a couple of transaction my account suddenly was locked and all the payment was stopped by bank, then someone from fraud depart said my account have unusually activity they need to close my account, then my account was close in XX/XX/XXXX, then they said they need to investigate, since then already over three months, during these time I try to explain the questions if necessary but they ignoredright now my money hold in the bank more than XXXX XXXX I need the money to pay medical expense, what should I do?
Consumer complaint received 2023-06-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (CA)

We received a foreclosure notice on a loan we took out with Specialized Loan Servicing LLC back in XXXX, and we have been working with them and legal services in order to identify a solution to this problem. There is a trustee sale on our home on XX/XX/XXXX, and this is the only home we have. My husband is over XXXX and works as a mechanic getting work wherever we can. However, his business has been severely hit with XXXX and our children help us the best they can to make ends-meet. We jumped at the opportunity for a loan modification with Specialized Loan Servicing, but they have told us that we need $ XXXX down and we are unable to make that. But they are not willing to help any further than telling us if we do not have the money, there is nothing they can do. They did not even offer us a payment plan of any kind or have even allowed us to speak to any upper management. This does not seem to be in compliance with any fair business practices, especially because prior to XXXX, when we received the first foreclosure notice on the loan, they had never tried to contact us before. We received no other notice of this! This home is all we have.
Consumer complaint received 2022-11-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION (OH)

On XXXX I receieved an email one or more of my account were overdue. I was unable to pay via a transfer from my XXXX XXXX to Navy Federal. I pay all Navy Federal through their built in External Financial Institutions connector and auto pay. 

on XXXX around XXXX, I contact Navy Federal to clear this issue and talked to XXXX XXXX I was able to pay only over the mobile app. 

I inquired how I was 2 months late.They told me there are complications with external financial institutions that can cut off the connection. I was given an array of reasons that boiled down it " It's complicated '', no specific reason was given, even though I asked more than once. 

The only correspondance I recieved from Navy Federal is when my account was 2 months overdue. I requested as to " when '' my auto-pay was turned off, they could not tell me. They also did not tell me " why '', other than a plethora of potential issues. 

There have been 0 notifications from Navy Federal via Email or Emessages ( in app or website notifications - I have screenshot ) to tell me an entire montly payment was missed. 

I will now have late payments on my credit reports. This connector has turned off in the past, and I thought it was a fluke until today. 

I can't expect them to fix an entire system that does not notify a consumer of a missed payment. I expected " auto payment '' to auto-pay and notifiy if the monies were not recieved. I am now 2 months behind and a pretty heafty bill I have to make room for. 

I've since paid all late balances via Navy Federal mobile app. 

I have also been advised of sure way to pay this bill without bounceback. They do not recommend using the built in connector, even though this is an option clear label it will fail at random times for no reason. XXXX stated the external banks can be read wrong and it will fail out. 

If I had known of this issues, I would not have used a method they allow to make auto-payments that may " sometimes '' fail without any reason they could give me difinitively over the phone.
Consumer complaint received 2022-11-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: ENOVA INTERNATIONAL, INC. (FL)

I received a debit card from XXXX XXXX in the mail. I never opened an account with them. I called and they closed it down. Also someone applied for a loan with NetCredit on XX/XX/2022. I have contacted them filled out a police report, and faxed the information to them and XXXX. They also changed my XXXX XXXX account. I have the new email that was used. also the address used when applying for the loan.
Consumer complaint received 2023-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC. (CT)

I have requested Equifax XXXX XXXX to lock my personal information by certified letter and to this day I have not received a response. I have never given this company any written or verbal permission to access my personal data and distribute it to employers, third-party solicitors, or any private entity.
Consumer complaint received 2023-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: EQUIFAX, INC. (CA)

Identity theft issue. I am not the person XXXX XXXX has a contract with. It is not my name and I have never opened an account with this company. It is an identity theft issue that I have been dealing with. It is not my birth date they have listed, but a similiar birthdate. It is not my name they have listed, but a similiar name. However they have somehow put it under my social security number by mistake or gotten me mixed up with the similiar name ... and put it under my address. They are trying to bill me for another person 's bills and say it is mine and put it under my credit report. I have reported the " identity theft '' and the name as " identity theft '' however EQUIFAX seems to be the cause of the " BREACH '' I believe. Equifax refuses no matter what I tell them to remove the wrong name. The first name is " XXXX '' since registered with State. Never " XXXX ''. I have called multiple times to report to Equifax, written Equifax multiple times, sent them UCC laws, sent them passport, sent them licenses, sent them FTC Identity Theft reports, but still they refuse to remove the name " XXXX '', which opens the door to more identity theft by the original breach and thief. ( all by internet, by usps mail and called multiple times to talk to agents ). NO MATTER WHAT I DO, EQUIFAX REFUSES. NO OTHER CREDIT COMPANY OR COMPANY CONTINUES TO MAKE THIS MISTAKE EXCEPT EQUIFAX. At this point I want to opt out of Equifax and take all my information off of their reporting circuit. I do not trust them after their breach and they do not seem to be able to correct their mistakes. I want to OPT OUT of EQUIFAX. They have caused too much trouble for me and I believe they have actually CAUSED my Identity Theft and are continuing to put me at risk!!!!!!!