davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-20
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. (NY)

I'm a Customer of XXXX XXXX XXXX, I have an Auto lease from them. 
my account was set up on AutoPay and they were drawing the money each month automatically. the lease maturity date was on XX/XX/2021, so I called 2 times on XX/XX/2021 in order to extend the lease. XXXX approved my lease to be extended till XX/XX/2021. Since the Account was set up on AutoPay I thought they are pulling the money automatically like they did every other month during the time of the lease and since the representative on the phone didn't mention anything about the AutoPay getting canceled. I called again on XX/XX/XXXX, XXXX and I've been told that everything is ok and the representative didn't mention anything about a payment past due and he just said that everything is ok with the account. after checking my credit I noticed a late payment reported on my report for the month of XX/XX/2021. I called XXXX to check what's going on they told me that the AutoPay got canceled since the maturity date of the lease was due on XX/XX/XXXX, XXXX and therefore I'm late for over 30 days. 
I've been trying to explain to them that when I called the representative didn't mention anything about it and even when I called 2 days after the payment due date I've been told that everything is ok with the account and no action needs to be taken. 
I never had a late payment on any of my accounts I'm a very responsible person and I understand my financial obligations. please help me fix this issue ASAP. 
I'm planning to apply for a mortgage and it came to my attention that the missed payment on my record could hurt my ability to qualify.
Consumer complaint received 2018-10-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (TN)

My XXXX XXXX XXXX XXXX CC ending in XXXX ( synchrony bank ) is blocking me from enabling external applications. At first I had no issues but since last week all of a sudden the app I was using was blocked with no explanation as to why. I have reached out to XXXX XXXX XXXX XXXX by Synchrony bank about this but they have not resolved the issue. I would like this resolved ASAP. Thank you
Consumer complaint received 2020-11-04
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: Nelnet, Inc. (DC)

I sent letter to request investigation into account. It has been more that 60 days and I have not received any results back. I understand that the credit bureaus have been given an additional 15 days to reply which that time as exhausted as well.
Consumer complaint received 2017-09-16
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: BBVA FINANCIAL CORPORATION (TX)

Today Saturday XX/XX/XXXX I received a collections noticed in the postal mail that was dated XX/XX/XXXX. BBVA Compass bank had repossessed my car without my knowledge then sold my car just a few days after my monthly payment. They claim the car was sold for {$10000.00} the remaining balance on the car loan contained within their info is {$12000.00} So that leaves a remaining balance of {$1500.00} along with fees involved with repossession. That being {$1700.00} so Compass bank is asking me within the mailed info to pay {$3300.00} I feel is that they owe me. I had spent {$1000.00} for a brand new set of tires including an alignment. I had also done needed maintenance such as a coolant flush and fill. Along with transmission flush and fill and other services to the car. I put {$2000.00} dollars into the car for maintenance and improvements. Also my  prescription medicine that was left in the car was never returned to me. That was a new bottle and unopened. That is around {$1700.00} for a 30 day supply. Also I had placed {$4000.00} dollars as a down payment for the car. The day after Compass bank repossessed the car they contacted the GAP insurance company and closed the GAP insurance policy and kept the refunded amount of money that was used to opened the GAP policy. I also did not have my pair of eyeglasses returned to me they were XXXX framers and lenses they cost me {$600.00} dollars. So that I had used pretty much all my money on this car and Compass bank is expecting me to pay them {$3300.00} They sold my car 2 days after my monthly payment. I just can not afford another car and I will not ever do any form of business with them ever again.
Consumer complaint received 2021-09-20
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I was out of the country for three months from XX/XX/XXXX to XX/XX/XXXX for family emergency. 
When I came back, my debit card is not working. I went to the bank of america on XX/XX/XXXX and I ask them why is my debit card not working. They told me, my bank accounts are frozen because of suspicious activity. My all money in the account is not there. And I immediately claimed those withdrawal are not mine. 
These is for sure fraud to my account. I notice the scammers fraud my bank. I report to federal trade commission someone is using my personal information and I let them know. 
I lost from my saving account XXXX dollars and checking XXXX dollars. I'm very disappointed by this situation. I can't pay my rents and it's ruins my life so bad. 
After all investigation, from the bank they are saying, the charges are made by you or by someone who has permission to use the card. I do not authorized any one. I don't lost any card or Id either. This is like covering up the situation for me. This is totally unauthorized debit transaction.
Consumer complaint received 2020-10-23
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (GA)

I have a FHA loan through Penny Mac. I orally requested for 180 day forebearance plan under the Government Cares Act, and before the initial 180 days expired, I orally requested for an additional 180 days. My initial 180 days allegedly expired on XX/XX/XXXX. I received an unscrupulous and unlawful XX/XX/XXXX letter from Penny Mac titled, " Notice Of Default And Intent To Accelerate ''. The letter reads as follows, " This letter is a formal demand to pay {$8600.00}. '' " And Penny Mac may invoke any remedies provided for in the Note and Security instrument, including but not limited to the foreclosure sale of the property. '' " This letter is formal notice by Penny Mac Loan Services, LLC that you are in default under the terms of the documents creating and securing your loan. '' " The loan is due for  XX/XX/XXXX and subsequent payments, plus late charges, and/or any escrow balances, fees and cost. '' " As of today, the total delinquency and reinstatement amount is {$8600.00}. '' My FHA mortgage is under the forebearance plan, and it's unlawful under the Federal Cares Act to receive a default letter from PennyMac, while I'm under the forebearance plan. I'm not required to pay any mortgage payments, late fees, or penalties during my forebearance period. Lastly, I have an audio recorded conversation with Penny Mac 's representative, stating that Penny Mac have honored my second 180 days forebearance plan, and never stated that my loan is in default or delinquent status. I will be more than happy to provide the recording to CFPB upon request.
Consumer complaint received 2020-11-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (GA)

XX/XX/2020 To Whom It May Concern : which you claim I owe {$920.00}. This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Please also be aware that any negative mark found on my credit reports ( including XX/XX/XXXX and XX/XX/XXXX) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC XX/XX/XXXX
Consumer complaint received 2023-02-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (AZ)

I applied for and received a Chase Freedom Unlimited credit card on XXXX 2022. Their website offered a {$200.00} cashback if {$500.00} were spent in the first 3 months after it was received, among other rewards. I had spent {$590.00} in XX/XX/2022. After not receiving the cashback reward, I called customer service, who told me that most of my rewards were not " approved '' for my card. The customer service representative told me specifically that there is no way to get these rewards approved, and that I could have only known about which rewards I was approved for by calling them with a card already activated. 

The website URL below has all the cash rewards offered, and it hasn't changed at all since I applied back in XXXX. The representative said my only reward was a 1.5 % cashback on all rewards, limited to 20,000 points. 

https : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-11-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Profit Services Group (PA)

Re : my address is XXXX XXXX XXXX XXXX XX/XX/XXXX lst 4 off ssn XXXX never traveled to the state of XX/XX/XXXX before. 
Inaccurate false items stopping me from employment please remove update COLLECTIONS Profit Services Grou Opened XX/XX/ - {$770.00} Original creditor : XX/XX/XXXX XXXX XXXX XXXX Overview You have 100 % left to pay on this collection. Balance {$770.00} Highest Balance {$770.00} Opened XX/XX/ ( 1 yr, 8 mos ) Account status Open Type -- Responsibility Individual Remarks Consumer disputes this account information Medical Original Creditor Name XX/XX/XXXXXXXX XXXX XXXX
Consumer complaint received 2020-05-28
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. (PA)

XXXX - Cosigner for daughter 's Private Student Loans During the summer of XXXX, my daughter requested and was approved for an XXXX - modified payment arrangements on her student loans cosigned by myself and her father. 

Although approved in writing, the monthly payment amounts were not reflecting the agreed-upon amounts. We were concerned as we understand the impact of late Student loan payments. 

After many calls to XXXX and many promises to fix the problem, it was finally discovered by a Supervisor they had made an error. My daughter was never eligible for an XXXX to begin with, which was the root cause of the agreed-upon payment amounts not being reflected on our statements. 

By the time the error had been discovered, 26 of her student loans were reported to the credit reporting agencies and impacted both her credit score and mine for months XXXX, XXXX, and XX/XX/XXXX. 

The loans were all brought to current and it was recommended by an XXXX Supervisor to send a credit dispute form to request the 26 late payments be removed from our credit report. 

This was done XX/XX/XXXX, and a response was received stating in part " ... Based on this review we sent corrected information to the consumer reporting agencies to which the information was previously reported for the loans listed .... ''. 

We thought great, they have done a good job correcting an error they had made. It was not until I pulled my annual free credit report in XX/XX/XXXX, did I discover what they really did. Instead of removing the late payments as we thought, they only put a comment on each of the late payments of " Consumer disputes after resolution '' on our credit reports. This fixed nothing at all so, I sent yet another letter in XXXX XXXX.Their response was they are not going to do anything further with the issue. 

AESs errors have severely impacted our credit ratings negatively and they are not willing to remove our late payments for XXXX, XXXX, XX/XX/XXXX for the 26 student loans. 

Please, anything your organization can do to help would be appreciated.
Consumer complaint received 2023-01-30
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO. (CA)

In XXXX chase mortgage charged off the 2nd on my home, I haven't heard anything from them there was never an attempt to collect it was charged off. in XXXX I receive a notice from IRS stating Chase bank said I owed them more than {$200000.00} and that I was responsible for paying taxes on the debt that's more than 14 years old and was charged off, I called chase on more than one occasion I was told that they didn't know what I was speaking of, I was told it was a scam, I was told there was no attempts made by chase bank. I called the IRS who confirmed the detail from Chase, I advised the IRS that I wasn't responsible to pay taxes on bad debt that was charged off more than 14 years ago and that once a account is charged off to bad debt the company can use it as part of the tax write offs, hence Chase is trying to collect on something that was charged off and received tax credit. I don't owe this money or any monies to chase or to the IRS. Chase erroneously sent my file to the IRS and lied to say I received {$200000.00} which is false.
Consumer complaint received 2021-04-02
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. (PA)

Please help me, I don't know what to do. I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint with the FTC. I have completed the report and have attached my documents for proof of ID. I can't take this, my family and I are being deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.
Consumer complaint received 2022-08-12
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. (TX)

in accordance with the Fair Credit Reporting act XXXX 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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2020-11-29
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. (SC)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am 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.
Consumer complaint received 2023-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

] AFTER RESEARCHING DENIALS REGARDING PAYDAY LOANS, WE NOTICED MANY OF THE PAYDAY LOAN ADVERTISEMENTS WERE BEING SENT BY THE CREDIT BUREAUS WITHOUT BEING AWARE : XXXX TRANSUNION XXXX IN ORDER TO VALIDATE WHAT WE WERE RECEIVING WE APPLIED THROUGH WHO WE THOUGHT WERE THIRD PARTY VENDORS. FOR EXAMPLE CREDIBLE. CREDIBLE WOULD STATE THE CREDIT WAS A SOFT PULL AND WOULD NOT AFFECT YOUR CREDIT, THEY WOULD THEM SEND YOUR INFORMATION TO ADDITIONAL VENDORS AND MANY WOULD PULL CREDIT BUREAUS WHICH THEN BECAME HARD PULLS WHICH AFFECTS YOUR CREDIT IMMENSELY. 

WE ALSO NOTICE DUPLICATE SUBMISSION FOR PAYDAY LOANS WHICH SHOULD NOT HAVE BEEN PLACED ON OUR CREDIT BUREAUS. SO, WE INTENTIONALLY BEGAN UNSUBSCRIBING FROM THE PAYDAY LOAN ADVERTISEMENTS BUT STILL RECEIVED COMMUNICATION FROM THE SAME COMPANIES. 

THIS IS EXTREMELY MANIPULATIVE AND IS DONE ON PURPOSE TO ENSURE OUR CREDIT SCORES REMAIN LOW,
Consumer complaint received 2024-02-29
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. (TX)

I am writing to formally file a complaint against Equifax concerning the inaccurate reporting of negative claims on my consumer credit profile. I am deeply concerned about the accuracy and integrity of their reporting practices, as certain claims have been inadequately or undemonstratedly asserted. 

My primary complaints are as follows : 1. Unverified Bankruptcy Reporting : After formally requesting information from Equifax regarding the verification procedure for the bankruptcy reporting on my credit report, I received a response stating that the bankruptcy information was obtained from local, state, and federal courts through a third-party vendor, XXXX XXXX. However, upon contacting the courts, I received a letter ( attached herewith ) explicitly stating that they do not report to any credit reporting agencies or third-party agencies. The lack of validation of this information with the original source, the courts, compromises the integrity of the reported information. Therefore, it is deemed unverifiable, and I request its immediate deletion from my credit report. 

2. Privacy Act Violation : According to the Privacy Act of 1974 552a ( b ), no agency, including Equifax, is permitted to disclose any record contained in a system of records to any person or another agency without the written request or prior written consent of the individual to whom the record pertains. I did not provide consent to Equifax or any other agency to collect or share my personal information without proper verification. 

I am requesting the Consumer Financial Protection Bureau to take appropriate action to address my concerns and ensure that Equifax rectifies their reporting practices promptly. Specifically, I demand the following : - Immediate removal of any unproven or inadequately reported negative claims from Equifax 's records and future reporting until they demonstrate provable adherence to reporting standards and regulatory mandates. 
- A comprehensive review of Equifax 's reporting practices to ensure compliance with federally defined timeliness, accuracy, and completeness standards. 

I trust that the Consumer Financial Protection Bureau will handle this matter promptly and diligently, safeguarding my rights as a consumer. I appreciate your attention to this complaint and look forward to a positive resolution that restores the accuracy and integrity of my credit history. 

Thank you for your assistance in addressing this important concern.
Consumer complaint received 2023-02-25
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

Im a Capital One customer who thought I held a high-interest account, but was tricked just like outlined in this article. XXXX XXXX XXXX I'm frankly embarrassed that I didn't catch my APY drop from ~1 % APY ( XXXX ) during a low interest rate period, to XXXX APY ( XXXX ) during a high interest rate and inflationary period. 

I feel this is a bait and switch by Capital One. They don't even offer the savings plan they put me in when they acquired my high yield savings account from ING.
Consumer complaint received 2021-09-20
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: World Acceptance Corporation (MO)

This account appeared on my credit report today. I have never had a loan with this company and have never done any business with them. I was never contacted by them or mailed any correspondence. With no interaction or communication whatsoever this account appeared on my credit report showing it was from 2016. This is not my account. I want this removed ASAP
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CA)

Upon reviewing my XXXX, XXXX and Equifax credit reports, I have identified unauthorized inquiries. I kindly request the deletion and blocking of these items that do not belong to me within the next XXXX business days.
Consumer complaint received 2020-11-29
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. (MD)

I recently obtained a copy of my credit report and notice accounts i dint not authorize. TThe following companies have violated my rights acording to 15 usc 1692. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquire XXXX XXXX XXXX inquire XXXX XXXX XXXX inquire XXXX XXXX XXXX XXXX XXXX inquire XXXX