davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Lendmark Financial Services (NC)

I sent all XXXX credit bureaus dispute letters XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and as of today no one has provide me what I requested. Their actions violates 15 U.S. Code 1681 a ( 4 ) Consumer Right to privacy. I wish that the disputed items not be listed on my credit report.
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Security Credit Services, LLC (AL)

Im not sure of the exact dates but what I do know is I ordered something from XXXX and I never received the hair cutting clippers and as for the rain boots they were worn old and muddy when I received them so I returned them I have proof this is a fraudulent account id like the credit removal off my credit file.. and also a XXXX for each time they reported to my credit fraudulently asap
Consumer complaint received 2024-03-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: NEW YORK COMMUNITY BANCORP INC (CA)

XXXX XXXX XXXX originated alone on a property that I purchased 2 years ago. The loan had auto pay set up for every month 's payment and everything was fine. 

Apparently in XXXX Flagstar Bank, a wholely owned subsidiary of New York Community Bank, purchased that loan and became the servicer of the loan. Without my consent or knowledge they removed the auto pay feature from the loan and did not tell me. 

I then went on a XXXX month trip to XXXX, in the interim they did not accept the auto pay arrangement payment and then let my loan go into default because the payments had not been made. 

When I return from XXXX XXXX months later I found their actions and immediately made the payments and requested the loan to be put on auto pay. I also requested they remove any negative information on my credit report. 

Flagstar Bank refuse my request to have the loan put on auto pay when I called in. They also refuse my request to remove negative information they reported to the credit bureaus.
Consumer complaint received 2020-06-25
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capio Partners, LLC (GA)

i sent some dispute letters to capio partners LLC about some alleged debt they said i owe on XX/XX/2020 and i have attached the letters in the complaint below. I sent it to their Register agent office to make sure it gets to the right person.
Consumer complaint received 2024-03-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Westlake Services, LLC (SC)

My car was repossessed on XX/XX/23 the same day I made the payment in full. Because both happened on the same day the company said they would remove the repossession fee. After calling for months and being told it was being removed Im now being told it will remain on the loan and is pushed to the end of the loan and it cant and wont be removed.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: College Ave Student Loan Servicing, LLC (FL)

I previously requested on XX/XX/year> College Ave to fix my credit report due to violation of two consumer laws. On XX/XX/year> they decided to only speak on accuracy and not privacy and continue to violate consumer laws- 5 U.S.C 1681 SECTION 602 A. States I have right to privacy. 15 U.S.C 1681 SECTION 604 A SECTION 2 : It also states a consumer reporting agency can not furnish an account without my written consent. 

I would like the charge off removed or I will seek {$1000.00} penalty for violating. This was reported to the XXXX.
Consumer complaint received 2024-03-05
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: MRS BPO, LLC (NC)

I received an email from MRS BPO stating I owe XXXX XXXX {$1400.00} on XX/XX/2024 via email. I went to their website and filed my dispute letting them know I do not owe XXXX this amount and to forward me the itemized bills from the past XXXX  months from XXXX XXXX or to leave me alone. This is the XXXX collection agency XXXX XXXX has sent my personal information to about a debt I do not owe. I do not appreciate my email address, phone number or any information being released without my permission to a company I have not done business with.
Consumer complaint received 2024-03-05
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: DIGITAL FEDERAL CREDIT UNION (NY)

The inquiries listed on my credit report when I made by me I provided dates of this information with previous request to remove these inquiries off my account as requested I am resubmitting the same information with more accurate dates so that they can be removed properly thank you
Consumer complaint received 2016-05-18
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: PENNYMAC LOAN SERVICES, LLC. (CA)

I was communication with PennyMac for a short sale status, they never approved me for the short sale and were taking forever giving me information regarding postpone the sale. I called and was desperate for all options so I asked for a Payoff quote and then when I called the next day to ask about the short sale request they told me that because I asked for a payoff quote they took me out of review for the short sale and said they were proceeding with the sale on XXXX/XXXX/16.
Consumer complaint received 2024-03-05
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Andrews & Cox, P.C. (TN)

BB & A has informed me through this website that there is pending litigation against me without having me served. This is after XXXX XXXX in their firm contacted my father on XX/XX/26 in the early afternoon informing him of the debt. This violates state and federal laws.
Consumer complaint received 2022-10-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (VA)

I submitted a request to have funds returned to me in reference to the CARES act. I requested to have payments that i made during the pandemic to be refunded to me. I made the initial call on XXXXI 've been told this is in process and I would be kept in the loop on the status of this request. By this Thursday ( XX/XX/2022 ), it will have been 6 weeks with no status update ( via email or phone call from Nelnet ) in regards to this request. I've called multiple times and have been given different information from each agent I've spoken with ( it's in process or contact studentaid.gov ). With no movement so far, this is going beyond the window in which I was quoted ( 4 to 6 weeks ).
Consumer complaint received 2024-03-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Comerica (OR)

My account was hacked and over XXXX $ was stolen I contacted direct express they found me in favor returned XXXX $ but now will not release the XXXX owed to me and every time I call they say they will escalate the situation and nothing happens I've been trying to get this resolved since XX/XX/year> XXXX
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CashRepublic Holdings, Inc. (NC)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2024-03-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (IL)

On XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX, a court judgement was filed against me in XXXX XXXX ; which is located in Illinois. The judgement was in regards to me supposedly owing XXXXXXXX XXXX XXXXXXXX. I was unaware of this judgement because it was connected to an account with XXXX XXXX. During the year of XXXX, I was a Social Security recipient and my funds were being overseen by a designated payee. The designated payee was mandatory and court ordered for me to receive my monthly payments from Social Security. It was during this time that I believe the account with XXXX XXXX was set up under my name. The payee who had access to all of my personal info, I believe is the one that set up the account without my knowledge. I am currently still on Social Security and have been for over the past ten years. Now, the balance has increased to XXXX because of interest that has incurred. There was also ; legal fees that was ordered by the court of XXXX XXXX in the amount of XXXX. I have spoken with XXXX XXXX in regards to this matter via telephone, and was told that there would be an investigation into the matter. I was sent a response by XXXX XXXX  on XX/XX/XXXX, stating that, I had participated or benefited in the purchase, the account had been open for more than 12 months with statements sent to me, if statements were sent to me the payee would have been the one to send in a payment not me, and it was also; stated that payments have been made by me on the account in question, which is not true! If any payment was made it was by the individual payee that was assigned to me in order for me to receive my Social Security monthly payments. As far as the court order, I did not sign off on anything because I was unaware of the debt! I am being harassed by XXXX XXXX  by mail concerning this matter and would like for it to stop!
Consumer complaint received 2024-03-05
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Big Picture Loans, LLC (GA)

I took out a loan for XXXX I didn't read the fine print and didn't realize that I would be paying back over XXXX. The interest rate is again illegal at over 400 % ( i believe its at 424 % ) which is astronomical..
Consumer complaint received 2020-06-25
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: EQUIFAX, INC. (CA)

Upon conducting a personal credit reporting review, I noticed that a company named EQUIFAX MORTGAGE SERVICES conducted hard credit inquiry on my behalf without permissible purpose, consent from the consumer, and presented a legitimate business needs for the credit check. 

This was conducted without unauthorized access which makes the consumer ( myself ) susceptible to identity theft and data breaches. This are negligent actions by the company without properly conducting consent approval and proper notification per the Fair Credit Reporting Act. 

No consumer notification was submitted and this negligent act resulted in the personal credit damage.

EQUIFAX MORTGAGE SERVICES conducted unauthorized credit check for the following date : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX
Consumer complaint received 2024-03-05
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: GFS, Inc. (NM)

Disputes were sent to All 3 Credit Bureaus, XXXX, XXXX, XXXX Via Online Disputes & Physical Letters Several times & without result or explanation & Mostly the Removal of an Illegal sale of debt. The Purchaser is now the Legal Owner of the Debt, Therefore I OWE NOTHING & Demand the Action of Removal on All three Credit Bureaus Immediately, Or I will take very Public & legal action. 

According to the Fair Debt Collection Practices Act ( FDCPA ), Fair Debt Collection Practices Act ( FDCPA ) - 15 U.S. Code 1692, et seq.

Fair Credit Reporting Act ( FCRA ) - 15 U.S. Code 1681, et seq.

Consumer Financial Protection Act ( CFPA ) - 12 U.S. Code 5481, et seq.

State consumer protection statutes creditors are mandated to adhere to strict guidelines when transferring or selling debt accounts to collection agencies. These guidelines are put in place to protect consumers like myself from unfair and deceptive practices. However, it appears that these regulations may have been violated in my case. 

I must insist on immediate clarification regarding the status of my debt account and the parties involved in its management. Furthermore, I request detailed documentation and evidence demonstrating the lawful transfer of my debt, including any agreements or contracts signed by myself consenting to such actions. 

1 ) Account # Name XXXX XXXX XXXX Address XXXX XXXX XXXX XXXXXXXX XXXX XXXX Phone number : ( XXXX ) XXXX 2 ) Account # Name XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone number : ( XXXX ) XXXX 3 ) Account # Name XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone number : ( XXXX ) XXXX
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY (NC)

Subject : Complaint Regarding Violation of Consumer Rights by American Express I am writing to file a formal complaint against American Express for what I believe to be a violation of my consumer rights. Specifically, I am concerned about their handling of my credit reporting information without providing me with a proper method to opt out, and their unauthorized sale of my credit report and personal information to a collection agency. 

Despite my repeated attempts to address this matter directly with American Express, I have not received a satisfactory resolution. Therefore, I am seeking your assistance in addressing this issue and ensuring that my consumer rights are upheld. 

My concerns are as follows : 1. Lack of Opt-Out Method : American Express never provided me with a clear method to opt out of credit reporting. As a consumer, I believe I have the right to control how my credit information is shared and used, but American Express has not honored this right. 

2. Unauthorized Sale of Credit Report : I recently discovered that American Express sold my credit report and personal information to a collection agency without my written consent. This action is not only a breach of my privacy but also a violation of consumer protection laws. 

I have documentation to support my claims, including correspondence with American Express and records of the unauthorized sale of my credit report. I would be happy to provide these documents to assist with your investigation. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action against American Express for their actions. I also ask that you ensure that American Express implements measures to prevent similar violations in the future and provide me with compensation for any damages incurred. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-03-04
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Hatfield, Inc. (CA)

My account was charged {$7.00} on XX/XX/XXXX. Though I have emailed and messaged Grids support, they have not responded to my messages and request to cease all activity on my bank account. I am also unable to cancel or remove my information from their service. 

My last valid payment due and paid to Grid was on XX/XX/XXXX. This was a payment of {$10.00}, which I consented to paying. Because I no longer needed their service, I reached out to their customer service, as I attempted to cancel my account altogether and was unsuccessful. They do not have a customer service phone number. 

In addition to the {$7.00} charge on XX/XX/XXXX, I have also been charged the following amounts on these dates : {$10.00} - XX/XX/XXXX {$10.00} - XX/XX/XXXX {$24.00} - XX/XX/XXXX {$26.00} - XX/XX/XXXX {$29.00} - XX/XX/XXXX I have requested a cancellation of my Grid account, and the immediate ceasing of charging my bank account - both requests ignored by Grid. I also requested an itemized ledger of the charges to my account, to justify WHY I have been charged so many times after an advance was repaid in XX/XX/XXXX. Since the transaction date paid to Grid on XX/XX/XXXX - I did not and have not authorized ANY of these transactions. I am now fearful of having my personal account drained of money, as every moment they seem to charge me, even multiple times and different amounts during the month. 

I would like to have my money refunded for the dates and transactions provided, the Grid company to ensure my account is closed permanently, and that they never charge my account again.
Consumer complaint received 2024-03-08
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Eastern Account Systems of Connecticut, Inc. (GA)

[ First and Last name ] XXXX XXXX [ Address ] XXXX XXXX XXXX XXXX XXXX, GA XXXX [ Date ] XX/XX/2024 [ Eastern Account System ] [ XXXX XXXX XXXX XXXX, CT XXXX ] [ Amount ] {$220.00} [ Account Number ] XXXX Contacted the creditor to report that there is two accounts in my name. I never created two accounts within my name. Also tried to dispute the collection due to inaccurate information. This collection shows different information on all 3 Bureaus. Never gotten resolved
Consumer complaint received 2024-03-04
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (CO)

I purchased a carpet from XXXX XXXX and they set me up with financing via Synchrony bank to have 12 months same as cash. I depend on their paper statements to help me keep track of the promotion period and when it expires. The bank stopped sending me paper statements in XX/XX/XXXX. I logged into in XX/XX/XXXX to see when my promotion period was going to end to make sure I didn't incur the back interest charges. my balance on XX/XX/XXXX was {$4100.00}. I have six months left on my promotion period. I setup bank XXXX XXXX of {$690.00} for 6 months and made those without issues. In XX/XX/XXXX XXXX charges me back interest of {$1500.00}. I have already paid the balance off but they said my balance was not paid off because of a small interest balance and they charged me the back interest. I am really upset at how they treated me. I believe they were dishonest and I want a refund of the back interest. Please help me.
Consumer complaint received 2024-03-04
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I'm encountering an issue with Capital One 's customer service answering machine for credit card services ( XXXX ). Initially, when prompted to enter the last 4 digits of my credit card number, I enter them accurately. However, the system responds with " What was that? Please enter again, '' indicating that it didn't recognize my input. When I attempt to enter the digits again, the machine doesn't register my keypad inputs altogether. This problem occurs uniquely with Capital One 's system, as other banks ' systems function properly with my phone.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (TN)

This letter is to be taken as my formal complaint that you are reporting inaccurate credit information on my credit file. Im not sure why you have included the following student loan information on my credit report. These inaccurate items are not only inaccurate, but they are also preventing me from purchasing a home due to it showing me in a negative capacity. From what I understand, the following items below should all be reporting across all 3 Bureaus the same. Well, theyre not, and from what I understand its an FCRA Violation, and it allows me to ask for these items to be updated. So, please update these accounts due to the inaccuracies that are being reported.
Consumer complaint received 2015-08-31
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (NJ)

Equifax has an account on my credit report that is old and is no longer supposed to be reflected on my credit report. The last time the accont was reported was XXXX/XXXX/2007. This is 8 years. The account is negatively impacting my credit score and Equifax does not care.
Consumer complaint received 2024-03-03
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (NM)

A Chase credit card letter of XX/XX/2023 informed me that although I closed my credit card account with Chase on or about XXXX/XXXX/XXXX, when I paid that months amount due, I still have to pay a new annual membership fee of {$69.00} because Chase didnt close my acct until XX/XX/2023. Just because Chase waited until XX/XX/XXXX to close my acct, doesnt mean Im responsible for its tardiness. Attached is an earlier letter sent to Chase on XX/XX/XXXX reminding Chase to close the acct. It cites an even earlier letter sent to Chase on XX/XX/XXXX instructing Chase to close the acct. This one was certified and the XXXX search results presented in the first attachment show indisputably that Chase received it XX/XX/XXXX, yet waited until XX/XX/XXXX to finally close the acct. This certified mailing proves that Chase is very negligent about its correspondence. In the case above they waited 46 days to implement my request to close the account! Hence any claims that Chase received my first and second requests too late to avoid the annual fee should be disregarded Kindly refund my {$69.00}.
Consumer complaint received 2020-06-25
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I opened a savings account with Capital One on XX/XX/20. Terms and conditions do not disclose that ability to wire funds out of account will be limited, not does the operative " Wire Transfer Disclosure. '' The closest the latter comes is stating : " We reserve the right to reject any Wire Transfer Request. We may restrict the use of wire transfers for new accounts and newly added joint account holders. '' I tried to wire funds on XX/XX/20 for the purchase of a home. Capital One 360 did not permit a wire transfer. Representatives of the bank informed me on two separate phone calls on XX/XX/20 that the bank has a blanket prohibition on wire transfers in the first 60 days after an account is opened and that no exceptions will be made from this policy. 
If this is in fact their policy, this must be disclosed to consumers at the time an account is opened. I will now be in breach of the purchase agreement of my home.