davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: GREAT LAKES (FL)

i attended XXXX university back in XXXX, i received a loan from Great Lakes student loans. i took off one semester when i tried to re-enroll the school was closed no more XXXX College at the time i didn't think to much of it until XX/XX/XXXX when XXXX XXXX , XXXX garnished my entire income tax. The FDCPA protect consumers against pre-judgement garnishments. Also seeing as though the school closed in XX/XX/XXXX and my entire income tax was garnished on XXXX XXXX if the school was already closed then the collection agency should have known, thus information should have been provided via letter, email, phone call, etc no attempts were made to contact me. i feel this has been a very unjustified way to do business by the Federal Government and its education branch im am seeking to recover my refund and plan civil suite for damages in the amount of {$10000.00} plus the {$5200.00} that was garnished do to fraudulent practices and misrepresentation of the truth
Consumer complaint received 2019-08-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Debt Mediation, Inc. (FL)

Upon reviewing my credit report I was made aware of a few errors that were listed on it. 1 of the errors was this debt for {$3300.00}. I would like this collection to be removed. I called and wrote to verify this debt with the collection agency and they were not able to verify this debt. I would like this debt removed because it does not belong to me and the collection agency was not able to verify it.
Consumer complaint received 2019-08-08
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: JPMORGAN CHASE & CO. (FL)

On or about Tuesday, XX/XX/XXXX when accessing my Chase Mobile App, Check No. XXXX " written '' in the amount of {$25.00} was pending for {$250.00}. This amount was eventually cleared and the amount {$250.00} was paid for check that clearly was written for {$25.00}. 

Chase was immediately contacted regarding this error. Chase Claims Department subsequently advised that since this was not a Fraudulent charge, a temporary credit could not be provided to the account, but rather this is an issue for the Research Department. I was then transferred to Customer Service who spoke with the Research Department where i was advised that the issue with the draft was in how the check was presented. This is inaccurate as clearly the back of the check demonstrates the check was deposited and not cashed " in person ''. 

I again contacted Chase Customer Service on bXX/XX/XXXX to again resolve this issue, still to no avail, however, i was advised that i would be assigned an individual who would assist in bringing this matter to a conclusion and my funds ultimately returned to my account. 

I again contacted Chase Customer Service on XX/XX/XXXX & XXXX, where i asked to be transferred to its executive team as i continue to not have access to the funds that were taken in error. I subsequently was advised that the matter would be assigned to an executive team member who would call me later in the afternoon. I never received that telephone call after now being on the second day of trying to resolve this matter. 

On XX/XX/XXXX, i was transferred to the executive team office where i was advised that this matter had been assigned to XXXX. In speaking with XXXX, it became evidence that she is in need of additional customer service service as her attitude was less than that of someone purporting to be part of an executive team. Not to mention she was unfamiliar and/or unwilling to advised me the policy and procedures of Chase when a customer experiences these types of issues, nor could she advise me of an actual date for which this matter would be resolve and i could reasonably expect access to my funds. 

At this point, i would like the funds erroneously taken from my funds to be replaced and/or someone provide a time certain as to when this matter will be resolved.
Consumer complaint received 2019-02-20
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX IS STILL REPORTING THE ERRONEOUS COLLECITON ON MY CREDIT REPORT. THIS WAS PAID TO XXXX DIRECTLY WHO IN TURN STATED WOULD REMOVE THIS FROM MY CREDIT REPORT HOWEVER, IT IS STILL REPORTING AS OPEN, UNRESOLVED AND AMOUNT DUE NOT TO MENTION THE HARASSING CALLS FROM THIS COLLECTOR FOR THE AMOUNT THAT IS NOT OWED IN FIRST PLACE .... PLEASE HELP
Consumer complaint received 2020-11-30
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (NC)

My husband, XXXX XXXX, leased a XXXX XXXX XXXX for me starting in XX/XX/XXXX with the lease end of XX/XX/XXXX ; we contacted Hyundai Finance and were given permission by them to continue to 'rent ' the vehicle because we were in the process of refinancing the vehicle so that it was in my name. I contacted XX/XX/XXXX XXXX XXXX XXXX XXXX and was able to obtain a loan for the vehicle utilizing them. Additionally, my husband also received a loan through XX/XX/XXXXXXXX to purchase his lease ending vehicle from Hyundai Finance. 

We completed the paperwork at the beginning of XXXX including the Credit Union sending payments fulfilling the buyout of both vehicles from Hyundai. We were told that it would take approximately three weeks to receive the titles from Hyundai Finance that we would need in order to apply for tags and titles for our vehicles. Hyundai Finance has been negligent in their fiduciary responsibility towards myself and my husband. Though they received, accepted, and applied the funds towards closing out both accounts, they have not provided the necessary signed odometer statements that we need to take to the Department of Motor Vehicle in order to obtain our tags and titles.

We have contacted Hyundai Finance multiple times and each time they will ensure us that they will send us the necessary signed documents ; they have not fulfilled their part of the bargain to this date. It has been nearly two months since we submitted the payments necessary to close out our Hyundai Finance accounts but Hyundai Finance seems intent on not providing the signed documents. We simply want the signed documentation necessary to complete the transaction when we go to the DMV. I am a part of this now because XX/XX/XXXXXXXX provided me a loan for the vehicle but I can not obtain tags for my vehicle due to Hyundai Finance 's negligence. Additionally, my husband has the same issue with his vehicle.
Consumer complaint received 2019-02-20
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. (TX)

Equifax is reporting 120 days past due on XXXX partial account number XXXX that has a {$0.00} balance and {$0.00} past due amount. This incorrect reporting is hurting my credit score. It is impossible to be 120 days late on an account that has a {$0.00} balance and {$0.00} past due amount.
Consumer complaint received 2019-02-20
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX IS STILL REPORTING THE ERRONEOUS COLLECITON ON MY CREDIT REPORT. THIS WAS PAID TO XXXX DIRECTLY WHO IN TURN STATED WOULD REMOVE THIS FROM MY CREDIT REPORT HOWEVER, IT IS STILL REPORTING AS OPEN, UNRESOLVED AND AMOUNT DUE NOT TO MENTION THE HARASSING CALLS FROM THIS COLLECTOR FOR THE AMOUNT THAT IS NOT OWED IN FIRST PLACE .... PLEASE HELP
Consumer complaint received 2022-07-01
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: Nelnet, Inc. (MI)

US DEPT OF EDXXXX, XXXX, and XXXX Are breaking the law as I did not provide the companies listed with permissible purpose for reporting STUDENT LOANS ACCOUNT XXXX to my credit. 

Congress has limited the use of consumer reports to protect consumers ' privacy. all users must have permissible purpose under the Fair Credit Reporting Act to obtain a consumer report. Section 604 contains a list of permissible purposes under the law. ( FCRA sections in the U.S. Code, 15 U.S.C. 1681 et seq. ) These are : As ordered by a court or a federal grand jury subpoena. Section 604 ( a ) ( 1 ).

As instructed by the consumer in writing. Section 604 ( a ) ( 2 ).

For the extension of credit because of an application from a consumer, or the review or collection of a consumers, account. Section 604 ( a ) ( 3 ) ( A ).

For employment purposes, including hiring and promotion decisions, where the consumer has given written permission. Sections 604 ( a ) ( 3 ) ( B ) and 604 ( b ) for the underwriting of insurance because of an application from a consumer. Section 604 ( a ) ( 3 ) ( C ). 
When there is a legitimate business need, in connection with a business transaction that is initiated by the consumer. Section 604 ( a ) ( 3 ) ( F ) ( ii ).

To determine a consumer 's eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicant 's financial responsibility or status. Section 604 ( a ) ( 3 ) ( D ).

For use by a potential investor or servicer, or current insurer, in a valuation or assessment of the credit or repayment risks associated with an existing credit obligation. Section 604 ( a ) ( 3 ) ( E ).

For use by state and local officials in connection with determination of child support payments, or modifications and enforcement thereof. Sections 604 ( a ) ( 4 ) and 604 ( a ) ( 5 )
Consumer complaint received 2019-08-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: WELLS FARGO & COMPANY (MD)

In XX/XX/XXXX, my XXXX XXXX XXXX auto loan ( account # XXXX ), was assigned to Wells Fargo Dealer Services ( WFDS ). In the following months, I received a request for ; and a declaration of, Collateral Protection Insurance ( CPI ). I did not give consent. 

In XXXX, the vehicle was repossessed ; although Wells Fargo had received payment. I believe that the payments were not properly applied. 

In XXXX, I received a notice from WFDS that they were reducing my interest rate ; resulting in a {$800.00} credit to my account. 

In XX/XX/XXXX, I received a notice from Wells Fargo waiving an outstanding {$500.00} balance from my account. 

Recently, WFDS settled to re-pay customers that were signed up for CPI without knowledge or consent ( Wells Fargo Collateral Protection Insurance Litigation Case # XXXX ) ; which may explain why I recently received forms from Wells Fargo Auto CPI Payment Program seeking to gather information from my insurance company and agent. As you can tell from my experience ( and those of others ), I have reason to be suspicious of their motives and practices. Instead of receiving a check as one of those affected, I believe that WFDS is attempting to limit the payout of the settlement.
Consumer complaint received 2019-02-20
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CA)

Experian reports FICO score to XXXX XXXX which allows me access to it. My credit rating throughout the last year was steady at about XXXX ( see attachment ), then in XX/XX/XXXX, inexplicably, my score tumbled to XXXX. Shocked by the rapid decline, and knowing there were no triggering events, on or about XX/XX/19, I reviewed my credit reports from XXXX, XXXX, and Experian. All were stellar -- no defaults, all bills paid on time, all closed accounts were left in good standing. I called Experian, XXXX XXXX 's supplier, to complain, and they threw it back on the bank, which in turn blamed Experian.
Consumer complaint received 2020-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (ME)

Credit report is missing previously paid off car loan. I made an attempt to correct this omission but mailing a packet of all needed verifying documentation. I called Equifax today to inquire about status and they could not verify my identity and had no record of my mailing which had been received and replied to by the other 2 credit bureaus. This packet included sensitive identifying information and was lost in system. Equifax also failed to unfreeze my credit account as I requested via mail about 6 months ago per their stipulations.
Consumer complaint received 2019-02-20
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. (CO)

XXXX  and Transunion are reporting incorrectly that I am 120 days past due on a loan with the XXXX XXXX - XXXX partial account number XXXX and Transunion partial account number XXXX that have a {$0.00} balance and a {$0.00} past due. I have contacted the two bureaus and requested these items be corrected. This is harming my credit. It is impossible to be past due on an account that has a {$0.00} balance and {$0.00} past due.
Consumer complaint received 2021-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were found in my reports. The Equifax XXXX XXXX has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are reporting on my Credit Reports and need to delete immediately. 
Wrong Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2019-02-20
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Nationwide Debt Reduction Services, LLC (KY)

I have been trying to resolve a payoff balance and speaking to employee XXXX ( last name refused ) at XXXX. Last communication XXXX/XXXX/19, XXXX with no response. On Wed XX/XX//19 he and I agreed on a payoff balance of {$5300.00} and he would send a written agreement to confirm. After not re ceiving the agreement I called back and spoke to XXXX ( last name refused ) on XXXX/XXXX/19 XXXX XXXX in Customer Service Dept. she informed me XXXX misinformed me because an additional fee to payoff my balance would be {$2500.00} in addition to the {$5300.00} I have pending payments of {$500.00} + {$2100.00} which will add to my current payment {$2600.00} = {$5300.00}, I was suggestive to personal insults by XXXX
Consumer complaint received 2019-02-20
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Professional Finance Company, Inc. (CO)

Professional Finance Company is a collection agency. They contacted my employer with a writ of garnishment. I contacted them prior to the garnishment starting on XX/XX/XXXX and paid them a settlement amount of {$760.00} to stop the garnishment of {$930.00} even though I still have no clue why my previous employer is garnishing my wages at my new employer I paid them to just make them stop. I confirmed on the phone with them that the payment I was making would close my account, pay the balance in full and stop the garnishment. They said yes and stated the would fax a release of garnishment to my employer. The following week XXXX $ was garnished from my check. I contacted my employer on XX/XX/XXXX who stated they had never received a release of garnishment. I contacted PFC on XX/XX/XXXX as well, they stated they would yet again the account was fully paid and they would fax a release of garnishment and that I could come pick up the wages from my check that were garnished when they received it. On XX/XX/XXXX my employer called me to tell me that they still hadn't received a release of garnishment and if they didn't receive one by XX/XX/XXXX another portion of my check would be taken and sent to PFC. I got off the phone with them and called PFC who is now stating they have already faxed the release of garnishment and will not send another even though my employer never received it and now they are stating that I owe them an additional XXXX $ for something that was never included in the payment I made on XX/XX/XXXX when I paid my balance in full. Now due to the payment I made in full of XXXX and the XXXX they have taken a total of XXXX which is over the amount stated by the courts that I owed them ( XXXX ) and they are refusing to fax a release of garnishment or anything stating that I paid them so they can continue to garnish even more of my wages.
Consumer complaint received 2019-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I do not recognize these accounts, and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine. 

I believe that someone else may have a relative that may have forged my name ( or used my personal information ) in order to take out credit without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need ( and my signature does appear on the ID theft affidavit/report that I am attaching ). 

It could also be possible you are mixing up these accounts with someone that has a similar name as me. Either waythese accounts are not mine, and I would like them immediately deleted. Once deleted, please inform all other credit reporting agencies. If somehow these accounts are verified, I would request you send me all documentation, including letting me know who provided any information to you, so that I can conduct an investigation, or otherwise pursue my legal remedies for reporting things on my credit that are not and never were mine
Consumer complaint received 2019-02-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Protection Association, L.P. (OH)

My complaint is with XXXX XXXX. I was not sent a dunning notice prior to my account being sent to a collection agency. In 2017 I resided in Florida and fell victim to the hurricanes so my income became depleted but I did attempt to pay down the balance of {$260.00} by making a few payments, however XXXX sent my account to Credit Protection Association for collection. I no longer reside in Florida and am trying very hard to strengthen my credit. I have sent a letter to the collection agency requesting a pay in full for deletion to which I have received no response. I also sent a letter to the President 's office at XXXX asking them to accept payment in full for taking it back from collection. Once again no response! 
I intend on paying this in full in XXXX if either party will agree to delete this from all three cra 's. I do not intend to just neglect this matter but feel I had the right under FDCPA to receive the dunning notice from XXXX before sending it to collection. I could have made a payment arrangement had I received notice.
Consumer complaint received 2019-02-20
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. (GA)

I recently reviewed my credit report and I noticed that there are various student loan account still appearing on my report and past the statute of limitations ( 7 Years ). I request that this information be removed from my credit reports ( XXXX, XXXX, and Experian )
Consumer complaint received 2023-10-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TD BANK US HOLDING COMPANY (NY)

I had my bank account that had been in use for 4 years, they infiltrated my bank account, I made a report that there was something very strange in the account and anyway they decided to close my account and I can no longer open an account in another bank
Consumer complaint received 2020-11-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (NY)

I have a Care Credit Medical Card. This card was very misleading. When I first opened the card, it was a promotional offer. If paid off in 12 months there was no interest. At the time I paid it off unaware that it just continues to stay in promotion. I noticed monthly interest rates so I assumed it wasnt in a promotion. I did see on my account often, that I had promotions ending but because I was making interest payments around {$30.00} a month, I thought i was ok. On XX/XX/XXXX, I was charged {$720.00} in interest which brought my account to negative. This interest rate is appalling. I called and spoke to two managers. At one point the manager chuckled when I asked for her name as I was going to be contacting you. She said gladly. She asked if I had a hardship. I explained Im a single mother with one income. She said thats not a hardship. I asked to see if there was anything I can do to spread that out and they said no. Now Im in the negative and have a {$160.00} a month payment. This credit card is extremely deceiving and that fee should not be aloud.
Consumer complaint received 2019-02-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I recently reviewed my credit report and I noticed that there are various student loan account still appearing on my report and past the statute of limitations ( 7 Years ). I request that this information be removed from my credit reports ( Transunion, XXXX, and XXXX  )