davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-15
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bread Financial Holdings, Inc. (ME)

On or about XX/XX/XXXX, I requested my account closed, due to overwhelming debt. I explain my current situation, and explained I will not be able to pay until the spring of XX/XX/XXXX.  I was informed I could not enter into a payment plan, due to me only being between 30 and 60 days late on my payments. I also instructed the representative I hereby wished calls to no longer made to my number, and all future responses be conducted by postal mail. On or about XX/XX/XXXX, I again asked for the account to be closed, and I again stated my financial situation, and requested the phone calls halt, and for all communications to be conducted via postal mail. Also, the represenative stated I could sell items i purchased on XXXX. I found that as a personal insult. On or about XX/XX/XXXX, I  received 10 phone calls from XXXX. After my wife 's phone was contacted, I contacted the number back, and spoke with XXXX, who explained to me my account was still open, as well as there were no notations in my account. I requested a supervisor, and was informed it would be a minimum of a 15 minute hold. I requested for a supervisor to call me back.
Consumer complaint received 2022-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PENNYMAC LOAN SERVICES, LLC. (NJ)

This company is fraudulently reporting a late payment on my credit report. This company offered me XXXX XXXX which I accepted for a period of 3 months. At the end of the forbearance period I voluntarily resumed making normal monthly payments and then shortly after paid back the 3 months due for the forbearance period. This company has ruined my credit and refuses to acknowledge their mistake. They claim that I needed to physically sign documents to get off the forbearance program even though they allowed me to enroll without physically signing anything and just enrolling online. I have supporting documentation from my bank indicating the constant monthly payments to this vendor. I need them to remove this false late payment claim off of my credit report. I contacted them several times to remove the false late payment and they refuse.
Consumer complaint received 2020-10-20
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SYNCHRONY FINANCIAL (WA)

On XXXX XX/XX/XXXX I was contacted by a person calling from phone number XXXX. The person asked me if I was XXXX XXXX. I responded yes. The person stated that there was complaint filed against me and she had a sealed envelope. She stated to open the envelope I would need to call the same number back and provide the next person with ref. # XXXX. I called and spoke with a lady named XXXX and provided her the ref. #. She stated a judgement was going to be entered against me for a debt by her company XXXX XXXX and XXXX unless I was able to pay. She then gave me my birthdate and social security number. She stated the amount of {$690.00}. If I was unable to pay this amount they would pursue legal action which could results in increasing the amount, wage garnishment, jail time, and also property forfeiture. I asked where this debt came from she stated from XXXX in XXXX XXXX. I informed her I have never had a XXXX account and also have never been informed of a collection for them. She gave me addresses I have never lived and I told her I have never lived there. I informed her that I was not going to PT this until I received something in writing. She stated they do not provide anything after the formal notifications have been made only after a payment is made on the account. I disengaged the call after telling her I would need to do some research first. I checked my credit reports and there are no accounts listed for XXXX or any collections. I contacted XXXX who stated I have never had an account with them. I checked the website andersonreedporter.com and there is little to no information about this company just a phone #. I believe this is a complete scam but they did have my personal information. I did not give them or verify that it was correct.
Consumer complaint received 2019-06-07
Product: Money transfer, virtual currency, or money service — Money order
Issue: Lost or stolen money order — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On or about XX/XX/2019 a check from XXXX XXXX, a client of Bank of America, issued check # XXXX to me on account number XXXX in the amount of {$4000.00}. The check was never received by me and I was later advised that it was deposited into an account at XXXX XXXX XXXX which was later closed for fraud per XXXX XXXX. I have requested a replacement check from XXXX XXXX but theyve refused to notify Bank of America of this matter and follow proper procedure to submit a claim to have the funds reimbursed to me.
Consumer complaint received 2024-03-21
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX, I utilized three distinct Chase credit cards to make separate purchases, capitalizing on a promotion Chase was offering during the XXXX weekend. This promotion promised a XXXX % cash back incentive for transactions conducted directly on XXXX, with a stipulation that purchases needed to be completed by either XX/XX/XXXX or possibly XX/XX/XXXX though the exact date eludes my memory. What remains clear is that purchases had to be finalized by the specified due date to qualify for the XXXX  % cash back. I possess email receipts confirming all three transactions across the trio of Chase credit cards. 
However, due to disruptions in the supply chain, XXXX delayed shipping the items until mid-XXXX XXXX, at which point the transactions were posted on the credit cards. Upon contacting Chase to contest their decision, I pointed out that I possessed receipts for all three purchases made on XX/XX/XXXX, well within the expiration date of XX/XX/XXXX. Yet, they insisted on their inability to honor the promotion because the transactions appeared in XX/XX/XXXX. My contention is that Chase should have explicitly stated in their promotion that the seller 's charge must be posted before the expiration date for eligibility.
Consumer complaint received 2021-11-10
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Navient Solutions, LLC. (OK)

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports.

I have been patiently waiting on Credut Bureaus response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : NAVIENT XXXX Opened XX/XX/XXXX Balance {$0.00} ; NAVIENT XXXX Opened XX/XX/XXXX Balance {$0.00} ; NAVIENT XXXX Opened XX/XX/XXXX Balance {$0.00} ; NAVIENT XXXX Opened XX/XX/XXXX Balance {$0.00} ; NAVIENT XXXX Opened XX/XX/XXXX Balance {$0.00} ; NAVIENT XXXX Opened XX/XX/XXXX Balance {$0.00} ; NAVIENT XXXX Opened XX/XX/XXXX Balance {$0.00} ; NAVIENT XXXX Opened XX/XX/XXXX Balance {$0.00} ; NAVIENT XXXX Opened XX/XX/XXXX Balance {$0.00} ; NAVIENT XXXX Opened XX/XX/XXXX Balance {$0.00} ;
Consumer complaint received 2021-02-04
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: WELLS FARGO & COMPANY (CA)

Last year my Husband was laid off due to Covid 19. His job was a XXXX  for several different districts in our City. We called Wells Fargo for help with our Student Loan got the run around for months, kept calling and no one helped us. We did make a payment in XXXX due to the Simulus Check but we could not pay the amount they wanted. Then a Customer Service Person told me via the phone that our terms, interest rate and monthly payments changed, This is a fixed rate and it is a standard fixed loan. We wanted a longer term of the loan and payment assistant of which we never got!. To the date of this complaint Wells Fargo without any knowledge sold our Private Loan Student to XXXX XXXX, I only found this out because a notice was on our on line banking. 
No help, our payments keep going up with interest charged daily. 
So what does someone due? 
How can we get help on this loan? 
Wells Fargo is not helping in any way and I keep calling I called their Student Loan Department XXXX I have several complaints with the Home Office and still no one is helping us! I have looked at our loan papers and they are a fixed rate at around 7 % with a payment of around XXXX. They changed the interest rate to a variable rate and put us in a Forbearance of which we never signed anything for that! 
We are sick and tired of this happening to us, and how that the loan has been sold what does someone due! We can not pay for this loan? 
XXXX XXXX
Consumer complaint received 2024-03-21
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capio Partners, LLC (OH)

Company is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Phone XXXX Never seen this debt and have no clue what it is. I havent received no mail or phone calls from this company. Its on my credit reports and I demand it be removed bc its hurting my report and my score. Thank you
Consumer complaint received 2021-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (OR)

There is a Derogatory Public Record or Collection Filed note on all three of the Credit Reporting agencies. 

I have no knowledge of any collection being filed. 
Previous collection file was due to an error through a debt consolidation company and the hospital they were attempting to pay - but the collection was dropped.
Consumer complaint received 2021-02-04
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. CAPITAL ONE Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX - CARD SERVICE Inquired on XX/XX/XXXX. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.
Consumer complaint received 2022-04-26
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Westlake Services, LLC (NJ)

I did credit application with XXXX XXXX in XXXX nj the credit person named XXXX called me and told me he got us approved for a loan and the bank wanted a XXXX deposit after making numerous phone calls to borrow the money from friends and family I text the sales person XXXX back and told him we were able to borrow the down payment and we would be in tomorrow with it be said ok great then XXXX calls me back about 10 min later and tells me that the bank Westlake financial wanted our other car also along with the trade in we were giving them and the XXXX someone is scamming people either XXXX or Westlake financial please investigate this matter I would not trade in both vehicles fir one my wife uses the other vehicle she ca n't drive the pickup  truck as it is too big for her
Consumer complaint received 2020-06-04
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. (AR)

This is the first time my identity has been compromised. I don't understand why this happened to me. Please remove these fraudulent unknown accounts from my report as soon as possible. They are not mine. These accounts were open without my consent. 
XXXX {$32.00} XXXX {$420.00} XXXX {$57.00} XXXX {$180.00} XXXX {$1100.00} XXXX {$850.00} XXXX {$850.00} XXXX {$420.00} XXXX {$600.00} XXXX {$1400.00} USDEPTED4100XXXX {$50.00} XXXX {$160000.00} XXXX {$160000.00} DEPTEDXXXX  {$50.00} XXXX {$1800.00}
Consumer complaint received 2021-05-03
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MD)

ATTN XXXXXXXX Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2021-02-04
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On my reports there is a closed account with huge amount of missed payments. BANK OF AMERICA XXXX Its not mine account. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA BANK OF AMERICA has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Consumer complaint received 2019-06-07
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. (HI)

Please reverse the late payments reported on the following accounts : XXXX   XXXXXXXX account was never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.
Consumer complaint received 2019-06-07
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. (HI)

Please reverse the late payments reported on the following accounts : XXXX XXXX, XXXX XXXX account was never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.
Consumer complaint received 2019-06-07
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. (CA)

I have reported to Equifax that XXXX XXXX has fraudulent charges on my account from when my identity was stolen and this was reported to XXXX XXXX over a couple of months ago and they still have not removed the charges and also did not verify the charges. I have also reported to Equifax that XXXX XXXX is reporting the incorrect balances and charges, mainly due to fraudulent charges and incorrect payment status. XXXX XXXX is also reporting different statuses on all of the credit agencies. I would like for Equifax to remove the XXXX XXXX account from my credit file.
Consumer complaint received 2019-06-07
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. (HI)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ),  you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX, XXXX XXXX XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX
Consumer complaint received 2019-06-07
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. (HI)

Please reverse the late payments reported on the following accounts : XXXX/XXXX   XXXX ; XXXX XXXX ; account was never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.
Consumer complaint received 2022-01-09
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: General Motors Financial Company, Inc. (IL)

XX/XX/2022 I pay my car off with my negotiable instrument as he account holder for the amount XXXX my account hasn't been update as I mad final payment for the vehicle and car title per obligations of the financing agreement I can prepay the vehicle in full at any time I have sent previous payment for processing but no response from GM FINANCIAL
Consumer complaint received 2021-02-04
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

There is a company XXXXXXXX XXXX reporting a collection on my credit report and I have no idea who or what is. I have reached out to the credit bureaus and sent my identification ... .This XXXX company got bought out by XXXX and no one will respond to my letters .... I know the bureaus get paid by these companies and they took one look at my ID and figured ok .... black ... no response ... Sorry to rant I'm just so upset that the bureaus would allow this ... ...
Consumer complaint received 2019-06-07
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: United Shore Financial Services, LLC (CA)

I sold my home on XX/XX/2018. Closing statement shows XXXX XXXX took out {$1500.00} to pay property tax, as well as {$210.00} MIP, out of the sale proceeds. I trusted everyone involved and was extremely overwhelmed with moving out of home and into new home. I work long hours & have little time to handle personal affairs. I'm late on preparing XX/XX/2018taxes. In gathering info for tax preparer a few weeks ago, I went to XXXX XXXX XXXX ( XXXX  ) website to ensure I received all tax docs from them, but discovered that I had not received everything. I downloaded Form 1098, XX/XX/2018 mortgage statement, and their Escrow Account Disclosure Statement. I saw that XXXX indicated the {$1500.00} property tax was paid from my escrow impound account, as well as two charges of {$210.00} FHA MIP ( why two? ). Seems to me XXXX paid my property tax and XXXX XXXX also claims they paid the tax. Someone owes me property tax as it was paid twice. And seems XXXX owes me {$210.00} for double payment of FHA MIP, and probably owe me more money that I'm not understanding as they make everything complicated. They've dragged their feet by not finding my account ; I provided info ; they emailed me today that my account is closed and they're not doing anything further. This is unacceptable! For all I know, they kept my money!
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CLGF Holdco 1, LLC (NC)

Inquires on my credit report according to 15 USC 1681 permissible purpose -they can not report anything without my consent.

Privacy act of 1974 prohibits the disclosure of a record about an individual from a system of records absent the written consent of the individual.
Consumer complaint received 2022-04-26
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: Rocket Mortgage, LLC (MI)

a banker called me on XX/XX/2022 from Rocket mortgage for a saving review, he asked for my DOB.

and then he said he will verify my information and put me on hold .then he came back and said you have a good interest rate, so you are in a good position now. 
and then the next day I received an inquiry alert by Rocket mortgage. I called them and filed a dispute. 
on XX/XX/XXXX, they called me back denying my dispute, claiming that he got my authorization. I asked to listen to phone record but they refused .tried to explain to them that I didn't ask for a refinance or a loan, because I know there is no way anyone can offer me better interest rate nowadays because of the rates increase .Especially I am a banker who does loans and knows. 
today I called XXXX Dispute line and they said that the creditor will have to remove the pull up from my report and they cant do anything. 
called Rocket mortgage again with no luck.
Consumer complaint received 2020-09-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CMRE Financial Services, Inc. (CA)

This company report a debt on my name to the credit bureau which I have no knowledge of..despite I explained them that wasn't me because I never been to that hospital they still refuse to remove it and they never want to send me any proof how come I owe that debt. 

Creditor Information CMRE FINANCIAL SERVICES
Consumer complaint received 2021-10-13
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: BlueChip Financial (NC)

The fees are outrageous on the loan. They do not communicate that with you before sending the funds the APR 460 % which is illegal in North Carolina. There is a {$2000.00} finance charge.