davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: World Acceptance Corporation (WI)

I have had a charged off account from World XXXX XXXX that has been on my credit report as a charge off since XX/XX/XXXX The account was opened on XX/XX/XXXX for an amount borrowed of {$320.00} dollars. 
From the original charge off date up until XX/XX/XXXX the amount was reported as {$320.00} dollars On XX/XX/XXXX my credit report reflected World XXXX had suddenly increased the amount charged off and my credit report worded it as the following : " Balance Increased by {$2600.00} '' I disputed this with XXXX on XX/XX/XXXX and on XX/XX/XXXX my credit report reflected a decrease in balance in the amt of {$2600.00} However, on XX/XX/XXXX my credit report indicated the had again added this {$2600.00} amount back on. 
I have disputed it with XXXX, I have involved the XXXX. At this point, XXXX said I should file a complaint here The contact information for World XXXX is : XXXX XXXX XXXX XXXX, SC XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2022-10-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (IL)

My truck is and has been paid every month. I have copys of confirmation numbers for each payment along with the date. In XX/XX/2022 after providing proof of payment history to the lender and credit reporting companies ally continued to say I owed about 4 payments ( even though I gave proof of payments from the start of the loan ) I requested several times my letters of extension during COVID just so I could match up my payments with extension and that my loan was not past due all along being changed interest, late fees and misc charges. I disputed the account information and payment information more than 4 times. All along killing my credit from on time payments % about 96 % to less than 80 % making it impossible to refinance it and make a home purchase. Not one person or company can explain. I decided to make 4 payments + in XX/XX/2022 just to get the account updated thinking it would give me time to get this loan corrected with out any further damage to my credit. And have continued to make my payment every month. This company has now managed to make a past due amount of almost {$2000.00} again exactly what happened in XXXX. Again copys of every payment every month being made and has never corrected my credit reports from the last time.
Consumer complaint received 2022-05-13
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION (CT)

I tried to withdraw my funds and close my passbook savings account that I had originally opened with XXXX XXXX  and the bank said my account is no longer there. My account was with XXXX XXXX, who sold to United Bank, who merged with People 's Bank, currently called United People 's Bank and is about to be bought out or merge with XXXX XXXX XXXX XXXX. People 's United bank said I could contact the state of CT for unclaimed funds to see if the money was there. I called the state and they said the money was not there and never was there and to go back to my bank for it. When I contacted my bank again and spoke to a different person, they said the account was most likely consumed by dormant fees and that is why no one can find it. There was {$1500.00} in 2008. This was my " emergency '' savings account money and I never received any letters from the bank about my account going " dormant ''. I have lived at my same address for XXXX XXXX years and I am XXXX XXXX XXXX. I don't think banks should take advantage of seniors and take their money this way. I expected my savings account to be a sacred trust with the bank and to not have that money there when I want to take it, is a violation of this trust. My wife is assisting me with this complaint since I do not know how to use a computer.
Consumer complaint received 2022-05-13
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. (TX)

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # 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. States a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2020-12-21
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. (MO)

Equifax should not be reporting me as an authorized user on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User on this account. I have contacted the bureau to fix this however, I have not been successful. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This negative reporting is harming my credit score and this line item needs to be removed from my credit report.
Consumer complaint received 2021-11-08
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: EQUIFAX, INC. (FL)

To whom it May Concern : Hello, my name is XXXX XXXX, and I On XX/XX/2021 your office received my request for XXXX to provide proof that I have given authorization of an accounts on XX/XX/2021 on my file. This letter is to notify It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! And I requested a delete these items as soon as possible! And your company failed to remove unauthorized accounts on my credit report on XX/XX/2021. The items I need deleted are listed in the report. I stated I an a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 


demand under FCRA : Section 604 : 1. Permissible Purpose 2. My written authorization 3. Proof that I personally initiated this ( accounts. ) Either provide me strict proof or DELETE the item immediately. If you do not delete the accounts in 15 days I will take legal action.
Consumer complaint received 2022-11-19
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. (CA)

I sent a letter on XX/XX/XXXX, to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX SELF- REPORTED XXXX Balance : {$110.00} ; UTILITY SELF- REPORTED XXXX Balance : {$220.00} ; XXXX XXXX XXXXXXXX XXXX XXXX : {$3300.00} ; XXXXXXXX XXXX XXXX XXXX XXXX : {$7300.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX 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
Consumer complaint received 2021-03-09
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: The Law Offices of Quinn M. Kofford, P.C. (UT)

To whom it may concern, I have been harassed by a debt collector for over a year now. Everytime I asked to verify if the debt was truly owed and asked for a statement or explanation of benefit for the original debt, I was told that I would receive something. This never happened, and I continued to receive harassing phone calls and mail from the debt collector. 
One month ago, I was harassed by the debt collectors themselves. They sent a courier to my house to deliver me a bogus court Summons in order to extort money from me. The original debt was for {$110.00} and they told me that I owed $ 500+. According to my rights, I continued to ask for evidence from the original provider, again they would not provide this to me. Finally, I was able to track down the medical office that provided the treatment and they were able to provide me with a bill. I attempted to cover the original amount to no avail. 
I went back to the debt collector and attempted to settle up. They were unwilling to work with me and extorted $ 500+ and told me that the interest and penalties were going to increase by {$100.00} every week until I paid up. Of course I did not want my family or I to continue being harassed so I caved in and paid them. 
I feel like this place is a scam and is only after peoples hard earned money. They do not follow the rules and should be investigated. Please help me get all or some of my money back and penalize this business for harassment and charging fees and interest that are not lawful. 

Sincerely, XXXX XXXX
Consumer complaint received 2019-10-10
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. (OH)

I am sending this complaint over some accounts that I have on my credit file that need to be properly updated and removed from my credit report. Please delete/remove XXXX XXXXXXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. I have already filed a CFPB complaint against these companies and the account were not accurate or valid.
Consumer complaint received 2022-05-13
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Shellpoint Partners, LLC (FL)

On XXXX the CFPB issued a publication entitled " Consumer Reporting FAQs Related to the CARES Act and COVID-19 Pandemic '', reference : https : //www.consumerfinance.gov/XXXX The report explains the Bureaus approach to Compliance Aids and, among other things, states the following : " QUESTION 4 : Can a furnisher comply with the requirements of the CARES Act relating to reporting of accommodations simply by using a special comment code to report a natural or declared disaster or forbearance? 

ANSWER ( UPDATED XX/XX/XXXX ) : As discussed in FAQ # 2 above, the CARES Act requires a furnisher to report a credit obligation or account as current if it was current prior to the accommodation or not to advance the level of delinquency if it was delinquent prior to the accommodation. Furnishing a special comment code indicating that a consumer with an account is impacted by a disaster or that the consumers account is in forbearance does not provide consumer reporting agencies with this CARES Act-required information and therefore furnishing such a comment code is not a substitute for complying with these requirements.

After the modification approval with Shellpoint, three monthly trial payments of {$1400.00} were executed via autopay, starting on XX/XX/XXXX. Such payments were made on time and continued regularly on a monthly basis until the modification is finalized. The account deserves credit protection and being reported as current, given that the CFPB instructed so, and Shellpoint took all monthly payments right after coming out of the authorized forbearance period. 

Newrez/Shellpoint is in violation of such guidelines. And the CFPB needs to secure compliance, or refer me to the Federal organization that does. 

Respectfully, XXXX XXXX
Consumer complaint received 2019-10-10
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Comerica (LA)

On XX/XX/XXXX my childs XXXX posted to the card. I paid my light bill. Then 2 days later I tried to purchase something at a store and it declined it. It wasn't but an 8 dollar purchase and I knew I had over XXXX on there. So I called to check the balance and I entered in the last 4 of my card number like it asked. Only this time instead of asking for my pin it asked for my 16 digit card number or social security number. I enter that in and it puts me on hold. And automated voice tells me high call volumes and wait time is over 45 minutes. I wait on hold for an hour and 20 minutes then the phone goes silent and im disconnected. Im raging mad now so I call back. Same scenario, I wait and wait for over an hour and phone goes silent and it hangs up. I have done this every single day, at different hours of the day with this card company Direct Express. I have not yet, after a week, gotten to speak to anyone on the phone. They are holding my money and my info hostage and not giving any of their card holders much info. I have XXXX this issue and its happening to soo many people. Some are being evicted and some are getting lights cut off bc they rely on this money. I'm lucky enough I have some money to back me up but all those others lives tossed upside down because of this company. I'm also sending this to the news crews around here. I have filed a complaint with the XXXX. I can't log into my online account. It says those credentials aren't correct when I know they are. This isn't just an uh oh they get to ignore us all problem. I need answers and I need my money.
Consumer complaint received 2022-05-13
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 302 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.
Consumer complaint received 2019-04-28
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: Bread Financial Holdings, Inc. (NY)

I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open this account .I am a victim of the XXXX data breach. State issued ID have been compromised and my social security has been compromised. My postal mail was being forwarded out of state where theft of my personal information took place. 
I am not responsible for any charges made to these mentioned accounts.
Consumer complaint received 2017-05-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (IL)

I am trying to process a short sale with SLS. On  XXXX   XXXX ,   XXXX  , I calle d SLS a nd spoke with  XXXX  ID  XXXX . I called to confirm receipt of the new contract sent on  XXXX , they requested the some revisions to the HUD, and that 's all they need at this point. On  XXXX   XXXX ,   XXXX  , the foreclosure sale date was re-scheduled to  XXXX   XXXX ,   XXXX  . On  XXXX   XXXX , I calle d SLS and  spoke with  XXXX  ID  XXXX , he said he sent the updated HUD to the underwriter on  XXXX  and they have not reviewed it. I asked about postponing the sale date of  XXXX  and he said " it is postponed. '' I told him they are not allowed to re-schedule it since they have a complete application on file more than 37 days prior to the sale date. He said this is the  XXXX  application and I said they are still required to postpone the sale date. He was incredibly rude and continued to interrupt. I asked for his supervisor and he said he 's not available. He said I would not continue to hold for a supervisor and hung-up on me.
Consumer complaint received 2022-05-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (MA)

I believe that US Bank is charging excessive interest, in excess of what was agreed to, 3.95 %. I previously submitted a case XXXX. The Bank did respond but I am not in agreement. I do not believe that the CFPB reviewed my complaint nor the Bank 's response. The Bank response was signed by a person who did not give their full name nor their contact information. I had requested from the Attorney General 's office of the Commonwealth of Massachusetts a full accounting for all payments made against my mortgage from the beginning in XXXX. They provided to the AG only payments made in XXXX and XXXX. Using this information I prepared an XXXX spreadsheet accounting for payments of principal, interest and escrow. I calculated interest by taking the principal balance at the beginning of the month, multiplying it by XXXX and dividing by XXXX. I determined that the bank overcharged me by {$2400.00} in the year and XXXX quarter from XX/XX/XXXX and XX/XX/XXXX. I don't understand the XX/XX/XXXX transaction of {$1400.00} or the transaction of {$.00} on XX/XX/XXXX. I have attached the information from XXXX Bank showing my payment history for the period. Something is wrong. I insist that the Bank is cheating us and I want the CFPB to resolve this matter to my satisfaction.
Consumer complaint received 2021-03-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Westlake Services, LLC (FL)

I am financing this vehicle with West Lake Financial. I purchased the car in XXXX and monthly payments are {$480.00} a month for 48 months I have paid sometimes more totaling {$23000.00} and attempting to trade vehicle and payoff balance {$14000.00}. XXXX XXXX XXXX for {$37000.00}. Unpractical how could this be? 

I feel as if I am being robbed. Doesn't make any sense. Now I am stuck with a car having to pay {$14000.00}. The car was financed for 5 years this is my fifth year still owing {$14000.00}. Car purchased XX/XX/XXXX. Does not add up. Please help.
Consumer complaint received 2019-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: JPMORGAN CHASE & CO. (IL)

I applied for a Chase Credit card and was denied credit. I immediately called the Chase credit card department at XXXX and spoke with XXXX, got disconnected and later spoke with XXXX, both on XXXX XX/XX/2019, at XXXX XXXX. through XXXX XXXX I asked XXXX for the main reason of denial for the credit card. She stated I had an 18-year-old Bankruptcy against XXXX, that account in question was charged off through the bankruptcy as bad debt, however, JP Morgan Chase recovered most of the money through federal subsidies. Furthermore, it is against the Consumer Credit Protection Act of 1968. to use information no longer listed on my current credit report. I told XXXX that I was only looking for a {$2500.00} credit limit and Chase had no business using old records on file. It took me over ten years to clear the bankruptcy on file and that alone can not be used against me to deny me credit. My credit report is very good, XXXX. I also asked XXXX to please reconsider me for a Chase credit card, In good faith, to slowly build my credit. The Denial letter was sent back to the bank for further review. I have not heard anything as of yet. For them to reconsider their decision. I have a XXXX Credit Score, no outstanding debt, payments are always on time. Thank you for your time.
Consumer complaint received 2019-10-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CA)

A fraudulent loan company gain access to my account information by pretending they were going to loan money. When i realized it was a scam I contacted Chase bank on XX/XX/XXXX. Chase bank froze/restricted the account on XX/XX/XXXX after the fraudulent activity on XX/XX/XXXX. I receive Social Security Retirement benefits which are directly deposited on the XXXX of the month. When i went into the bank i was told that my account had been restricted for the fraudulent activity and that Social Security Direct deposit for XX/XX/XXXX had not been accepted and would be returned and that any payments that I had setup to pay from my account would also be returned. I was also told that chase no longer wanted me for a customer and they were closing my account. 
I informed them that i had contacted the bank on XX/XX/XXXX to let them know about the fraud/scam and that i had filed a police report as well with the local authorities. I then went to Social Security to change my direct deposit information on XX/XX/XXXX. On Monday XX/XX/XXXX I contacted Social Security to see if the direct deposit had came back and I was informed that it had not. I then contacted Chase bank and found that they had received the Social Security direct deposit on XX/XX/XXXX and it was on that account, however they had refused my debits that came in to be paid on XX/XX/XXXX. I went into my local Chase branch and they are refusing to release my Social Security payment for XX/XX/XXXX because of the fraud/scam activity on the account. I have no other source of income and none of my bills are being paid for XXXX.
Consumer complaint received 2019-10-10
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 disputed the following account with XXXX XXXX XXXX XXXX because it was not my account and was opened fraudulently by someone else in Pennsylvania. I have never lived in Pennsylvania nor have I have been associated with the address on my credit report. I had asked them in the past to remove address as it is related to identity theft. I sent in a ftc complaint for this account and it was removed from my credit report. Experian has reinserted it on my credit report after deleting the account.