davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I started writing this company XX/XX/XXXX asking this company to validate and show me some contractual obligation bearing my signature. This company has not showed me any proper validation since my first letter dating back XX/XX/XXXX.XX/XX/XXXX i  wrote another letter asking them to validate the debt this company say i owe via XXXX.TRANSUNION, XXXX or some contractual obligation. They just give me response letters stating it's been verified and updated without any letters bearing my signature or obligation to pay this debt. I started writing letters again XX/XX/XXXX same response from XXXX, TRANSUNION, XXXX XX/XX/XXXX I received the same response from the credit bureaus without any proper validation or contractual obligation bearing my signature. I wrote letters again XX/XX/XXXX to the credit reporting agencies XXXX, TRANSUNION, XXXX. And on XX/XX/XXXX I received a letter from XXXX stating the company i been disputing these letters with had removed the inaccurate accounts from my credit file via XXXX ONLY I wrote letters back to TRANSUNION & XXXX ASKING THEM WHAT INFORMATION OUR THEY WITH HOLDING FROM ME BECAUSE XXXX HAS REMOVED THE ACCOUNTS. AND I ASKED THEM " DON'T YOU GUYS GET THE SAME INFORMATION FROM THE SAME CREDITOR? I CHECKED MY CREDIT REPORT ON XX/XX/XXXX THE INACCURATE ACCOUNTS WERE REMOVED FROM XXXX   CREDIT REPORTING AGENCY.I WROTE A LETTER TO TRANSUNION XX/XX/XXXX ASKING THE CREDIT REPORTING AGENCY ABOUT THE ACCOUNTS IN QUESTION AND I HAVE YET TO GET A REPLY ITS BEEN OVER A MONTH SINCE I WROTE TRANSUNION ABOUT THESE INACCURATE ACCOUNTS. I WROTE TRANSUNION AGAIN ON XX/XX/XXXX NO RESPONSE BACK. I WROTE AGAIN XX/XX/XXXX, XX/XX/XXXX. IT'S BEEN 3 MONTHS SINCE MY LAST LETTERS ASKING TRANUNION TO VALIDATE THIS DEBT THEY SAY I OWE.I REQUESTED " VALIDATION '' THAT IS COMPETENT EVIDENCE BEARING MY SIGNATURE, SHOWING THAT I HAVE SOME CONTRACTUAL OBLIGATION TO PAY THEM. I HAVE YET TO GET A REPSONSE. 


Desired Resolution / Outcome
Consumer complaint received 2019-09-25
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I have been paying on this debt of {$1700.00} since XX/XX/XXXX. I had a financial hardship and was unable to pay after making five payments of the verbal agreed amount {$140.00} and a sixth payment in the amount of {$100.00} which gave a total of {$800.00}. The firm filed in the courts and a stipulation was agreed upon to continue the payments as agreed only difference being this time it would be withdrawn via ACH. A stipulation was emailed to me, which I signed and sent electronically as agreed for amount of {$1700.00} and court cost of {$340.00} which would be a total of {$2000.00}. I've paid to date {$2000.00} and should only have a balance of {$21.00}. I went to check the account on their site today and saw an outstanding balance of {$960.00}, I immediately contact the firm via chat and was told to call in. I called and after holding for 20 minutes, I was told by the Rep that the reason for the balance shown was because I didn't signed the Stipulation. I have prove where that Stipulation was signed and emailed on XX/XX/XXXX at XXXX XXXX XXXX
Consumer complaint received 2019-02-04
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: EQUIFAX, INC. (IL)

I am a victim of Identity theft/fraud. 
I have notified this collection company/original creditor several times that the account does not belong to me, I have not in any way received goods or services from this company and I have provided my police reports, my FTC id theft AFFIDAVIT signed and notarized along with my sworn statement regarding the fraudulent account. 
documents submitted to XXXX XXXX XXXX XXXX XXXX, EQUIFAX, XX/XX/2018, includes affidavit, police report, sworn statement w/ signed signature receipt XX/XX/2018, includes affidavit, police report, sworn statement w/ signed signature receipt This company is in violation of the FCRA. XXXX XXXX XXXX XXXX XXXX, EQUIFAX continue to report this fraudulent account on my credit report although I have provided these documents with no response from the company or any representatives. 

This account must be removed immediately, as it is in clear violation of the FCRA.
Consumer complaint received 2019-09-17
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: ECMC GROUP, INC. (CA)

Amount balance : {$1000.00} Action taken : Garnishment and Rehabilitation Program.

I would like to lodge a complaint for breach of rehabilitation agreement. 

In XX/XX/2019, I filed a BK. On XX/XX/2019, I received an e mail from ECMC requesting to contact ECMC. On XX/XX/2019, the BK Chapter XXXX was granted by the court. On XX/XX/2019, Complainant responded denying that he received. Default notice and asking for loan forgiveness. On XX/XX/2019, ECMC send Complainant requesting to contact ECMC. On XX/XX/2019, Complainant received another email from ECMC requesting to contact ECMC. Because of Complainant 's desire for rehabilitation, Complainant paid ECMC the amount of {$50.00}. Despite payment made by Complainant, Complainant surprisingly received an e mail from ECMC on XX/XX/2019. Again, on XX/XX/2019, Complainant again received an e mail from ECMC. On XX/XX/2019, Complainant contacted ECMC. On XXXX, ECMC representative , XXXX XXXX and Complainant entered into a Rehabilitation in which ECMC agreed that Complainant will pay {$5.00} a month for 10 months. This will get off Complainant out of default. Complainant agreed that the {$5.00} will automatically deducted from his debit card each month. On XX/XX/2019, Complainant received an e mail from ECMC confirming the agreement and the payment of {$5.00}. On XX/XX/2019, Complainant received a Notice of Garnishment from the Treasury Department dated XX/XX/2019. On XX/XX/2019, Complainant received two letters from ECMC confirming the rehabilitation agreement and where the voluntary payment of {$5.00} should be made. Prior to the letter dated XX/XX/2019 a copy of which was received by Complainant on XX/XX/2019, Complainant did not receive or had not received a Notice of Garnishment from the Treasury Department. On XX/XX/2019, Complainant called ECMC and Complain about the garnishment and that the garnishment is improper because ECMC already agreed for the Rehabilitation program. The woman promised to call me after she had consulted with the Manager but she did not. On XXXX 2019, called again ECMC and talked to the Manager XXXX and complained about the garnishment. The Manager told me that he can not stop the garnishment. I explained to him that this not fair because I would be paying ECMC twice each month, from the garnishment and the Rehabilitation program. I told him that I can not afford to pay the loan outright or make a big payment each because I am already retired and my SSS pension of {$1100.00} a month is not even enough to meet my financial obligation and daily needs. But the Manager refused to budge in to stop the garnishment. Hence. this complaint. 

Sincerely, Mr. XXXX XXXX
Consumer complaint received 2019-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (KS)

From XX/XX/XXXX until today I have been disputing fraudulent collection accounts fraudulent addresses and names that are spelled incorrectly on my credit report the only things I have been offered is freezing my credit which i had tried for almost a year and mad no difference in fraudulent charges being added onto my credit account even though my credit was frozen the creditors still allowed fraudulent debit collectors to add charges to my credit report Ive also been offered free credit monitoring and an added statement to my report warning that there has been and may still be fraudulent charges added to my report I have spoken to all credit bureaus over the phone pleading for them to stop letting fraudulent activities go on my report on my behalf and yet still 10 years later I am still waiting for someone to help me repair my report and reputation I have many inaccuracies on my report and it effects me so badly I have never been able to utilize my credit in an way possible I have also complained to the credit bureaus about an fraudulent secured credit card I had received 7 years ago that didnt not have the right no charge off on my report because I had placed a deposit on the card to receive it and I was also paying for loss insurance XXXX XXXX had offered to me when I signed up for the credit card which was supposed to be an option that allowed me to pay the card off in full if there was an emergency like a loss of job or other financial emergencies in which XXXX XXXX  never condoned or even offered this incentive I payed for when I had experienced sudden loss of financial willingness to pay my monthly bill I to also have a problem with the credit card company XXXX XXXX XXXX card fraudulently changing the dates on my report they have changed the date I received the card they have swapped older dates for newer ones so that the collection account the company has on my credit report will stay up to date and never expire For the last 9 years I have also had my state tax return taken away from me to pay fraudulent debts to an unknown company that takes advantage of the Kansas offset program and there has been several instances where I had no idea what happen to my state return where it went and why and I have given the Kansas offset program calls multiple times and I have never been told anything except my money was taken for an ambulance bill for the last 9 years i feel that I my financial stability has been robbed from me and I have lost all hope at this time because someone else is using my information to do whatever they want and there is nothing I can do about it
Consumer complaint received 2019-09-17
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO. (ND)

1 I received a debit card in the mail with a number on how to activate it 2. Since I did not open this account, I attempted to contact Chase Bank 3. I then received a notice that the account was closed by Chase because my credit was inadequate. ( my credit rating is above 800 ) 4. I made two phone calls to Chase to report this problem and to try to receive an explanation of how this account was opened. Chase refused to provide this information. Eventually they said not to worry and just cut up the debit card and that would be the end of it. 
5. that was an inadequate response since I am fearful that I am a victim of identity fraud. I cut up debit card and trashed the correspondence. 
6. I then received a XXXX XXXX letter saying that Chase was closing the account that I did not open because I had failed to give them information. Now I'm worried about my credit rating. 
7. By additional letter dated XX/XX/XXXX Chase informed me that they denied a charge on the account to XXXX. 
8. Now Chase has sent me a check for 200 + dollars which according to them is the final balance in the account.

I AM BEYOND FRUSTRATED. I SPENT THE BETTER PART OF 2 HOURS TRYING TO RESOLVE THIS COMPLAINT AND PROBLEM ... ONLY TO BE TREATED LIKE A CRIMINAL BY CHASE.
Consumer complaint received 2019-09-17
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Nationwide Recovery Systems, Ltd (GA)

I was fasely changed by an apartment complex XXXX XXXX XXXX  I persued them in District court they they took me to Magistrate Court Where we sttled by agreeing to drop both cases without either Party owing the other and I agreed to relocate with I did by date agreed to The company which owned the complex then closed The Complex was then sold to another company This new company has contacted The XXXX XXXX XXXX XXXX with my information and they are harassing for a debt not owed and also damaging my lifestyle and credit through each of the credit bureaus XXXX XXXX and XXXX Can you help me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX
Consumer complaint received 2019-09-17
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Tower Loan of Mississippi, Inc. (AL)

On XX/XX/2019, I called XXXX XXXX ( XXXX XXXX XXXX, XXXX, AL XXXX ) to find out my PO, as I paid on time for 2 years with no issue. The rep on the line advised me my PO was over {$1400.00}. I asked how is this possible when I just spoke with a woman less than a month ago there who advised me it was under {$200.00} left which is a huge difference. The rep then put a co manager on the line by the name of XXXX. I explained that I was confused and that I'd just spoken with someone who had given me drastically different information. I explained none of the reps I recently spoke with made no mention or warning about closing the small balance by a deadline. I never directed any of my panic or confusion towards him as I, myself, am in customer service for a living. He instantly got disrespectful and irate as if my problem offended him. He was extremely rude, belligerent, and used a plethora of slang and nearly curse words towards me. He even told me I need to " shut up '' and threatened me. He said that he would reverse the balloon interest that occurred because it had only been 5 days. He told me to hold on to take care of it and then transferred me to a man named XXXX. XXXX advised he was the manager and that he was " not helping me ''. I told him what the manager prior had just promised to put me on hold to take care of it so that I may pay my shortage and that I was not sure why or how he got on the line, given he wasn't saying anything. He said he did not care, that he was not helping me and did not care about what XXXX had just stated to me. I asked were the calls monitored and recorded and he told me they are not. Each question I then asked, his only reply was " I'm hanging up ... ''. I called a different Tower Loan location upset to my core and crying as {$1400.00} is not affordable especially after he promised to fix it and that it was resolvable. The location I called advised me that this store heavily gets complained on about the disrespectful managers and that the calls are indeed recorded and that I had been lied to by XXXX. I even called back to get corporate information and was denied any contact information.
Consumer complaint received 2020-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (MA)

I attempted to order credit reports online. That failed indicating that they could not fulfill the request online. 

They gave a phone number. I called the phone number. Three times in a row, I was in a phone tree, and then a brief phone queue, and the facility reported that the call could not be completed and I should call back again.
Consumer complaint received 2024-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2020-06-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (NJ)

A chase visa through Amazon was opened under my name, not by me. I mistakenly paid the first charge for a nominal amount of money. Thereafter 2 charges totaling over {$300.00} showed up on the bill. I called Chase, and they put me on with Amazon who tole me that the charges were fraudulent. Chase asked me to sign a statement which I did. I did not hear again for over a year, after which time, Chase told me that since I paid one bill, that shows that the charges were mine, and I owe them. I asked them on numerous occasions to tell me what was ordered and where it was delivered. They told me that it was too old, and they could not provide me with that information. 

I then got a letter from Chase indicating that I owed nothing and my statement would reflect that. 

Since that time, I have received another bill, with late fees.
Consumer complaint received 2020-06-01
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. (VA)

I challenged the credit bureaus to provide me with written documentation on the process on which they verified a bankruptcy that is listed on my credit report. I never got a letter back from these request and I submitted these requests back on XX/XX/2020. Then the credit bureaus only send me an email stating the information was verified but nothing was provided to me as I requested. I am trying to find out if they are metro 2 compliant and if they are not the information needs to be removed from my credit report immediately.
Consumer complaint received 2020-05-30
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: EQUIFAX, INC. (FL)

I was in a 6 year relationship with my ex girlfriend, we lived together and her vehicle got totaled infront of our house one night while I was working a 24 hour shift. We immediately got a loan from the XXXX/LOCAL government credit union I banked at. I was the cosigner due to her poor credit and not being able to get the loan herself. Fast forward to her cheating on me and getting XXXX, I was told I was the father but after everything I got a paternity test and found out I was not the father. I then made 3 months worth of payments to make it current. I then asked her to go refinance with her current bf, future husband. She was denied. I tried asking the lending company to allow me to take over the vehicle but my ex wouldn't turn over the vehicle and by law I had no right to it ( I wouldn't risk my career by just going and taking it ). Again nothing happened and she went delinquent ..by 5 months this time before I caught wind. I then tried yet again to get taken off as the cosigner. She was married by this time, and current husband wouldn't cosign. So after all of this, I am still the one getting penalized with her lack of responsibility. The vehicle was in repossession and she was driving it around for 3 months still. I went in and asked again to remove me, or repossess the vehicle and allow me to take it over and bring the payments current. Again I was told that wasn't a option. I then asked when they would get the vehicle, they were trying with no luck. This was due to them having my address as her home address and she hadn't lived there in almost a year at that point. I had no idea where she was staying, but gave her employer address which they also did not have. All this time I was in the process of moving from XXXX  to XXXX. They finally repossessed the vehicle 2 months after i moved, and a year later. I am the one paying for it. My credit is shot due to lenders not allowing me to do anything to prevent this situation. I would like my name removed completely from this repossessed account. Her name has changed, so doubt it effects her as it does me. That is besides the point, I tried on numerous occasions to figure a way to make this work and even gave them the information to repossess the vehicle. There has to be a better way of protecting the cosigner after a fall out with the primary. This is absolutely absurd that I have to air my grievance like this. Do the right thing and fix it please
Consumer complaint received 2020-05-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (TX)

i am POA on my Brother-in-Laws account with Wells Fargo in XXXX TX, I was recently XXXX  from XXXX through XXXX. During my XXXX  I had {$3600.00} fraudently withdrawn from the account, when I was XXXX  and realized that it had happened I went directly into the bank and explained my situation. They submitted a claim, and decided to deny my claim on the grounds that I had the word duckie which represented my pin number XXXXXX written on my insurance card in the glove box of my car and my Wells Fargo card was in my wallet underneath the driver side floor mat. This does not seem right for them to deny my claim on these grounds! I did not make the charges, I was in XXXX   XXXX!!! I filed a police report and gave them them case number but it doesn't seem to matter to them! They told me my only option was when or if the police catch the person responsible, I could take them to small claims court?!? I consider their denial of my claim to be a inaccurate and unjust decision and I think this is not a proper or legal resolution! Please advise me what direction I should follow to solve this travesty!! 
( also upon researching the statements the claim # XXXX was submitted in the amount of {$7700.00} containing 98 transactions when the total is actually is {$3600.00} with 54 transactions ) Respectfully, XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2019-09-18
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (KY)

I refinanced my mortgage in XXXX. I worked through XXXX XXXX  Mortgage. They held my present loan and I was using them to refinance .They had just sold my 1st loan to Loan Care LLC . 
As soon as my loan was paid off I was suppose to receive my escrow of {$1100.00}. I never received it. 

I contacted loan care on XX/XX/XXXX. The agent had my account and loan was paid off Said the sent me my check on XX/XX/XXXX. 
I never received it They said they would escalate it. And do a stop payment and issue a new check.. I called back on Fri the XXXX to check on it. Nothing had been done. 
I asked to speak to a supervisor .I spoke to XXXX or XXXX a manger she said they would overnight my check on Monday the XXXX. They would send an e mail with tracking info. I never received the XXXX mail. Monday afternoon I called back talked to manager they said nothing had been done they saw the note for escalation and overnighting the check. She said she would call me back and send e mail before XXXX.never did. I called yesterday XX/XX/XXXX. Spoke to another manger. 
She seemed sincerely interested in helping me get my check as did the other managers spoke with. It seems the problem lies in escalation department. I received an e mail from them on theXX/XX/XXXX. They acknowledge I had a complaint and it would take up to 3 days to research they will have someone call me with an update. I need my check to pay some bills. I would like it tomorrow.