davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-12-29
Product: Credit card — 
Issue: Credit determination — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have a credit card with Capitol One. I was going through a divorce and separated bank accounts and updated the bank information for automated payments to all accounts. For Capitol One I added my account information and set up the automatic payments in XXXX but something happened with their website and it did not accept my automatic payments successfully which I was unaware. Since I am used to everything coming out automatically I am not used to checking to make sure all payments are deducted as I have never had an issue in the past. However, I went to refinance and found out I had a 30 day late on my credit report. I called Capitol One immediately to find out why the payment was n't going through to find out that the bank was showing but not the automatic set up of my payments. I never received a phone call about my payment being late and now I have a 30 day late on my account when you can clearly see that I added my bank account and I have never been late with them and always paid on time. I think that they wo n't remove the 30 day late because I closed my account for this credit card so they do n't care about me as a customer. This is now affecting my credit score by XXXX points when I have always paid them on time other than this unfortunate technical circumstance. They are stating that they ca n't remove it even though they agreed that it is clear that I went and set up the new account. Please help, this is not fair!
Consumer complaint received 2021-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc. (MO)

Gm financial is reporting false info on my credit report i file a dispute and all they do is change theve changed it 4 times bow and its still wrong the credit bureas are not doing there job investigating the complaints
Consumer complaint received 2023-07-28
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: AMERICAN EXPRESS COMPANY (VA)

AMERICAN EXPRESS has violated my consumer rights and has caused great harm to my reputation, my character, and my mode of living which has caused XXXX XXXX and XXXX XXXX. They claim that there are laws that allow them to violate my consumer rights however have not cited any such laws in any of their responses to my notices. Here are some of the federal laws they have broken. 
15 U.S. Code 6801 ( a ) It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.

15 U.S. Code 6801 ( b ) ( 1 ) to insure the security and confidentiality of customer records and information 15 U.S. Code 6801 ( b ) ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer.

15 U.S. Code 6802 ( a ) Notice requirements- Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

15 U.S. Code 6802 ( b ) ( 1 ) ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; 15 U.S. Code 6802 ( b ) ( 1 ) ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and 15 U.S. Code 6802 ( b ) ( 1 ) ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

See Attachment for full details.
Consumer complaint received 2020-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AR)

I am a senior citizen and I have steered clear of opening credit account for the last 10 years So each of the outdated adverse accounts are a hindering from enjoying my golden years. 

XXXX XXXX Past 7 XXXX XXXX Past 7 XXXX XXXX Past 7 XXXX XXXX Past 7 XXXX XXXX XXXX Past 7 XXXX XXXX Past 7
Consumer complaint received 2019-06-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NM)

Received a Federal loan, Sallie Mae serviced in XXXX, for a XXXX Degree Program in XXXX XXXX XXXX. I am proud that I have finished my program and started paying my loans back, mostly through Sallie Mae. I Applied for loan during my education and have made every payment, every month, no late payments for 13 + years. I worked with a non- profit company XXXX XXXX and medical group in New Mexico for 10+ years duration. I called to apply for loan forgiveness, Servicing Company is Navient, the ( debunked Sallie Mae ). I get the run around, they want me to refinance my federally insured loan and state that I am not eligible for loan forgiveness? Thousands of us have gone to school, taking out federally loans and have paid and complied with requirements for loan forgiveness. We serve our communities and people. Shouldn't we get our deserved loan repayment? XXXX, XXXX providers are each day being held hostage to these loan servers. Please help us.
Consumer complaint received 2022-09-15
Product: Credit reporting, credit repair services, 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: EQUIFAX, INC. (VA)

I have tried several times to have Equifax fix this with getting my credit report and score online through the MyEquifax portal. It continues to give the following error. Please see attached
Consumer complaint received 2023-05-08
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. (IN)

I previously made the mistake of filing my complaint over the phone with a CFPB rep and apparently that was more than he could handle as the complaint he filed was completely unrelated to the actual issue at hand and now my credit report actually looks worse than it did prior to my previous complaint. The issue as reported by the CFPB agent was not accurate. My issue was never that my credit reports were not updated since 2018 regarding this account. 

My issue is that the account is not being correctly reported by the creditor. This account was not included in or discharged in my bankruptcy. This account was paid in full, in good standing 2 months prior to my bankruptcy discharge, which they were not listed as a creditor in. They chose to close the account on their own authority due to the fact they were made aware of my bankruptcy and not because they were included in it. No debt was owed to this company at the time of my bankruptcy, nor was any debt discharged in my bankruptcy. 

Now my credit report is worse off than it was previously was, as it previously reported " Discharged through Bankruptcy XXXX  XXXXNever Late '' to now just reporting " Discharged through Bankruptcy XXXX  XXXX '' so my credit looks worse than it did previously. 

Reporting debt as being discharged in bankruptcy when it was not discharged in bankruptcy has to be violating some type of Fair Credit Reporting law and I will file a complaint with every legal entity I can until I get this resolved. 

I have attached a full list of creditors included in my 2018 XXXX  XXXX bankruptcy filing as well as the list of added creditors when my bankruptcy was moved to XXXX  XXXX to show that XXXX XXXX  XXXX was not included in the list of creditors.
Consumer complaint received 2019-04-12
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. (VA)

I'm writing to complain about my XXXX Account ( # XXXX ). The issue is credit reporting on loan sequence XXXX & XXXX. On XX/XX/2019, I spoke with XXXX XXXX. I learned that XXXX XXXXXXXX already sent the electronic loan sequences supposedly to each of the bureaus to be reinstated. Today, I learned by speaking with XXXX  and Transunion that the information is still not reinstated on my file.
Consumer complaint received 2019-04-17
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (PA)

I as many times since XX/XX/XXXX to today XX/XX/XXXX asking for modification for my mortgage but the answers its bogs lol this time the reason is as the letter on the attachments, after carefully reviewing the info ... ... ... ... ... ... ..still do not meet the requirements for the loan modification, but the different this time did not add the reason in the decline later, because, this time i flow all the requirement as book, they have no reason at all to decline, i been told on the phone and i asked for the recording copy ( declined this request too ) the property is vacant, i send fax of my driver license and car registration and electric and gas bill for this property, LOL still decline. I START TO SEE CLEAR THE SITUATION IS XXXX AND HARASSMENT TO PUSH ME TO DO SHORT SALE TO GET READ OFF THIS MORTGAGE. I think not the time yet to get you to curt i will in the right time. 

Notes I didn't hide any info in the letter because i like people see the truth.
Consumer complaint received 2019-08-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: M&T BANK CORPORATION (MD)

My perception is that the M & T XXXX XXXX XXXX XXXX Bank at XXXX XXXX XXXX XXXX, DC, XXXX, is engaging in an illegal practice of charging an unauthorized fee to customer checking accounts. I opened an account with this bank XX/XX/2019, and specifically stated that I did not want checks. On XX/XX/XXXX, when reviewing my account on-line, I saw that on XX/XX/XXXX M & T had charged my account for {$16.00} for unauthorized checks. Not only was the charge not authorized, the deduction from my account invalidated a promotion to keep the account balance at a specific dollar amount. 

I asked to speak to a manager and was told he was unavailable. So I went to the branch XX/XX/XXXX to speak to the Branch Manager, XXXX XXXX XXXX. Mr. XXXX had no explanation as to why the charge was put on my account, nor why the charge appear almost a month later when it might not be noticed by the average consumer. Although he did reverse the charge, he could not guarantee that I will not face a new problem when the promotion comes due XXXX. 

I also called M & T 's corporate customer service, XXXX, and was stone-walled. The supervisor to whom I spoke, XXXX ID # XXXX, refused to escalate my concern to the manager level, refused to leave a message for a manager to return my call, and refused to accurately record my complaint/concern by omitting my comment that he would not pass on this concern to a higher level.
Consumer complaint received 2020-09-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK (MA)

There was a fraudulent credit card account opened in using my personal information. The account was opened in XXXX of 2018 and this still hasnt been resolved. Ive been getting the run around for almost two years and my credit score has been destroyed because of this. I had no choose but to hire a lawyer. Once my lawyer was hired Discover started to cooperate and we received a letter stating that the trade line will be removed from my credit file. Once I thought this was resolved Discover started stalling again, and not only had the negative, fraudulent account remain on my credit file, it has been moved to collections, furthering the damage to my credit score. This is my last attempt to resolve this as I will be hiring my lawyer again to pursue legal action against this company.
Consumer complaint received 2023-01-09
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)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

The main issue with what's going on with all these communications is I am being confused with that of my Dad due to us having the same name. First of all, it has been years since I had any credit cards. I had cancelled them all in the past when i was younger. I am getting notifications in the mail ever since i left My Dad 's house and his mail has been coming to my address for things that are not mine. His bank statements, his medical bills, and other forms of mail are coming to my house. 
I am getting mail from Portfolio Recovery Associates LLC for a debt that I'm pretty sure is nothing to due with me. I never had a XXXX credit card. I know that for a fact. This is becoming a nuisance now and needs to stop. I recently received a letter from them about a execution order toward a job i don't have anymore which is even funnier. They have the wrong person to begin with!!! Me and my dad have the exact same name and there has been alot of confusion with the identity between us both. It has become to a point where its seriously starting to effect my stability.
Consumer complaint received 2019-06-13
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (MD)

In XXXX, I had questions, and, requested copies of checks written in XXXX and XXXX, XXXX. They could not find the 2 checks i, and, my attorney subpoenaed, they did find a {$13000.00}, and a {$7500.00} cash withdraw, a week apart. I NEVER TOOK ANY CASH ADVANCES, ONLY CHECKS. The fraud department took a fUllman application, and, concluded it was too long ago ...? During this time, they offered a forbearance during the investigation time frame. They lied, Sent my rental property into foreclosure, didn't tell me until XX/XX/XXXX, a week after my tenant advised me of a foreclosure date, of XX/XX/XXXX, next Wednesday. I just wired them the {$4200.00} past due. I was given a court ordered, 30 day mediation time period. They received my modification /refi pkg. On XX/XX/XXXX. They claimed it was less than 38 days before the sale date, thus for, null and void. I relaxed the application on XX/XX/XXXX, because, losing/throwing applications in the trash, claiming that they never received it, is standard business policy for Wells Fargo. Retaliation for the recent fines put on them.
Consumer complaint received 2016-04-15
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION ()

I have held an XXXX XXXX account with Merrill Lynch for over 35 years. The bank has now indicated that it will close this account. As I am a non-resident this will involve be in substantial loss as I will have to pay tax at the rate of 55 %.
Consumer complaint received 2023-05-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (FL)

Hello, Please see below message that I sent to CREDIT COLLECTION SVCS and XXXX. Re : Alleged Original Creditor : XXXX Alleged Original Creditor Account Number : XXXX Alleged Debt Amount or Balance : {$1300.00} Dear CREDIT COLLECTION SVCS and XXXX I recently received communication from you attempting to collect the above-listed alleged debt. You sent your initial communication attempting to collect the alleged debt was within 30 days ago. Be advised that I dispute the validity of the entire alleged debt that you are attempting to collect. Further, I request verification of the alleged debt, specifically, I request the following verification : ( 1 ) a copy of a contract or agreement that created the alleged debt that you are attempting to collect, ( 2 ) an itemization and accounting of all exact amounts that you are collecting for the total balance, ( 3 ) if any amount is due to property damage, then a comprehensive list of any damage done to the premises that is the basis for any charge and true repair bill or estimate dollar value of the repair, and ( 4 ) if any security deposit was retained to offset the balance, proof of mailing of any statement of charges detailing the reason for withholding deposit funds and proof of the letter mailing date. Any contract or agreement sent must be with the original creditor and signed by all parties to it. You are illegally attempting to collect the above-listed alleged debt and money that I do not owe. Cease and desist all collection activity, including reporting to consumer reporting agencies ( CRAs ). If you are not aware, credit reporting is considered debt collection under the law. Promptly request deletion of all your credit reporting made to any CRAs about the alleged debt. If you comply with my deletion request within 14 days, then you are excused from verification. Send me a letter confirming your request ( s ) to CRAs to delete your reporting of the alleged debt. This letter shall also serve as a complaint to the Consumer Financial Protection Bureau ( CFPB ). The CFPB is authorized to investigate this matter and receive any related information from you. Be advised, if you fail to comply with this demand letter, I may turn the matter over to an attorney. cc : CFPB, po box 27170, Washington, DC 20038
Consumer complaint received 2016-03-23
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc. (VA)

I have a mortgage that was sold to Caliber Home Loans last fall. I pay into an escrow account to cover property taxes and insurance. In XXXX XXXX I sent Caliber a copy of a property tax bill that I received from XXXX XXXX, VA, as instructed by Caliber. In XXXX of XXXX I received a delinquent notice from XXXX XXXX. I called the Tax Department at Caliber, giving them the pertinent information and was promised that the bill would be paid. On XXXX XXXX I received a second delinquent notice from XXXX XXXX, with penalties added to the amount owed. I called Caliber on XXXX XXXX and again was promised that the bill would be paid, but remain skeptical. As of today, I have an escrow account balance of {$3500.00} and the tax bill is for {$1900.00}.
Consumer complaint received 2023-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (LA)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2016-01-26
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: CURO Intermediate Holdings (TX)

I took loan out for {$350.00} I have paid about {$900.00} in interest and fees and they have debit my account {$460.00} to pay off loan which I have stopped payment. I did not authorize this payment. I was not informed when loan was taken out that payments I was making were only for interest and did not go towards loan.
Consumer complaint received 2023-05-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (AR)

This contract was handled with the company directly and is not a correct debt. I have proven this on my disputes with 2 credit reports and this has been removed. Instead of sending me proof of the debt, they just try to verify it as " accurate '' with NO PROOF! 

Credit Collection Services is the company.
Consumer complaint received 2019-04-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: JPMORGAN CHASE & CO. (GA)

My credit file is monitored, on XX/XX/2019 I recieved notification of a credit inquiry by Chase. I XXXX and advised that I hasd no account with chase nor had I applied for any type of account with Chas. 
The number provioded on the inquiry doid not work, so I could not reach Chase to complain. On XX/XX/2019 I recieved a welcome letter from from Chase regarding my new account. When I contacted CHase to advise that I had not applied for any card with CHase the represenatoive requested my sovial secuirty number, which I refused to provide. After some effort she did locate an account and advised that she would make the notation that this was not my account. 
On today I recieved a new credit card in the mail from Chase. 

How does a bank establish a line of credit for someone who has not requested it. What actions can I take to protect my self from thois predatory lending practice. 

Respectfully XXXX XXXX. XXXX
Consumer complaint received 2023-05-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SinglePoint GI (CA)

I XXXX XXXX do not owe this company any money. I understand this company is a debt buyer. But I request this company to ceast and desist and I want this company to delete this account off my credit report. I want this delete ASAP
Consumer complaint received 2022-04-05
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Braviant Holdings, LLC (FL)

I took out an installment loan for {$3000.00}. After two months, I have paid back {$1200.00}. They are telling me that the current balance is over {$3000.00}. The interest rate cant be right or legal. How are they claiming that all payments go to interest.