davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-03
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: EQUIFAX, INC. (NJ)

Due to this taking 3+ years of my life to try to correct the mistakes that these credit report companies have done, I am not going to list the multiple calls & multiple letters ( the letters included copies of their reports & each companies letter every time I sent them ) to correct the problems with them all. Now, the only credit report company I still have problems with is Equifax. They still have 6 companies that they still are refusing to remove from my credit report, companies that are 10 or more years closed & that I have sent letters from those companies stating the accounts were closed. Equifax also will not give any information on me to any company that requests a credit report on me, they say they can't find me. Enough is enough, this needs to be fixed ASAP.

Kudo 's goes to XXXX for quickly removing all of the incorrect or outdated info from my credit report. The XXXX  & XXXX  companies did remove the incorrect & outdated info in a timely manner. I just want my life back & not have to deal with any more. Please help me!!!!!
Consumer complaint received 2020-02-04
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: EQUIFAX, INC. (TN)

On XX/XX/XXXX XXXX XXXX XXXX sent me a letter to confirm that they had closed the following accounts : # XXXX ( 3 ) accounts. 
Equifax continues to list these inaccurate and unverified accounts on my report.I have read the FCRA.This collection account should be deleted from my file immediately as it is severely harming my ability to obtain credit. 
XX/XX/XXXX They completed an investigation.
Consumer complaint received 2022-04-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CT)

I consolidated my loans in XXXX. In XXXX Navient told me that if I want a new loan servicer I had to consolidate again. The consolidated my loan and assigned me back to Navient. I paid {$42000.00}. I called Navient and said to cancel the consolidation because my servicer was not changed. They refused and all of the money I paid was stolen by Navient except for {$1000.00} that was credited toward principle. 

I have applied for PSLF and XXXX only has payment history from XXXX. Navient must provide them with my full payment history in order for me to have my loans forgiven. 

Navient is a criminal corporation and is exiting the student loan servicing business after pillaging students for decades.
Consumer complaint received 2022-05-04
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MO)

I am filing this complaint because Equifax, XXXX and XXXX credit bureaus have ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Consumer complaint received 2020-10-14
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TMX Finance LLC (MO)

Title max, Repeatedly called my number since XX/XX/2020. They are looking for a XXXX XXXX, I have repeatedly told them I am not her and to please stop calling. They have told me numerous times they would take my number off the list and have not done so. They continue to call abput every day, sometimes twice a day.
Consumer complaint received 2020-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC (CA)

Westlake Financial provided extensions for loan payments during the months of XX/XX/2020 and forward for COVID related hardships. They claimed the payments would not affect credit reports. Now those payments are showing up as late on our credit reports. The company is not honoring their extension policy.
Consumer complaint received 2020-01-21
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. (CA)

Equifax is the only company with an error reporting an account that doesnt belong to me. 

XXXX XXXX account XXXX Not only is his account passed the 7 years of reporting but it doesnt belong to me ... 

Equifax is causing distress and damages and I will have to pursue legal action if this can not be corrected.
Consumer complaint received 2024-10-08
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (TX)

VALIDATION AND CEASE AND DESIST Jefferson Capital Systems XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear Jefferson Capital Systems : I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contrac
t exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 

Please cease and desist from collecting on this debt until you have provided validation of the debt. 

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 

Thank you for your prompt attention to this matter.
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 — Reporting company used your report improperly
Company: EQUIFAX, INC. (SC)

In accordance with the Fair Credit Reporting Act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX Account # XXXX, XXXX  Account # XXXX & Inquiry from XXXX on XX/XX/2022 has violated my rights. 

15 U.S.C 1681 section 602 A states that I have the right to privacy.

15 U.S.C 1681 section 604 section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-05-18
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: AMERICAN HONDA FINANCE CORP (NJ)

On behalf of my deceased father,  XXXX   XXXX , a complaint was submitted to CFPB ( case number  XXXX  ) on  XXXX / XXXX /  XXXX   in regards to a leased  XXXX   XXXX  of which I have not doubt he was taken advantage of when he went to  XXXX   XXXX  alone to lease yet another car ( his third at the same dealership ).  XXXX   XXXX  charged him {$1500.00} even though he was yet again leasing another car. My family members have been leasing cars for years with  XXXX ,  XXXX  and  XXXX  and have never had to submit additional monies when leasing.      Honda Financial  finally agreed to take the auto back after CFPB contacted them in regards to my complaint that was submitted on  XXXX / XXXX /  XXXX  . I was faxed the instructions in regards to what needed to be done. On  XXXX , the car was turned in, no questions asked. Finally justice or so we thought. My brother, who lives at the residence that my parents lived, but he was paying the mortgage, was notified when he attempted to get the house in his name, by  XXXX   XXXX   XXXX   XXXX  that there was an outstanding balance owed on the vehicle of {$2900.00}. The vehicle was returned 7 months ago and this is the first anyone is hearing about this. Not to mention  XXXX   XXXX  has a number of same exact vehicles ( different colors ) certified pre-owned vehicles on their lot selling for {$23000.00} with at least 5 times the amount of miles then my father 's car.  XXXX   XXXX  is claiming they sold his car for {$17000.00} which I believe if they did, they did it purposely to say they lost money. Not to mention the depreciation of the vehicle that always works in their favor, never the consumer.     In reviewing the original lease agreement, the following amounts were also paid : {$1500.00} - lease signing {$350.00} - Turn in fee Why was no one notified until 7 months after the vehicle was returned to the dealership that they now claim a balance is owed? They were advised there would be no estate and they agreed to the terms because of his death.     Thank you  XXXX   XXXX   XXXX  of  XXXX   XXXX   XXXX  deceased  XXXX / XXXX /  XXXX   )
Consumer complaint received 2020-10-20
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: JPMORGAN CHASE & CO. (FL)

I received a copy of my credit report and I noticed there were information on there I did not recognize. I reached out several time to the credit agencies asking for any documents bearing my signature. As of today I have not receive any documents bearing my signature. I would like your help in helping me resolve this matter.
Consumer complaint received 2017-05-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Fidelity National Information Services, Inc. (FNIS) (MO)

I got a call from payment   XXXX   XXXX   stating that I owed a debt on behalf of my bank. They advised me even though my bank account has been closed and I was never made aware of any debt by my bank before I closed my account I still needed to pay them
Consumer complaint received 2017-05-18
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: SECURITY FINANCE CORP (GA)

I have received multiple calls to my cell phone from the same number from a company called " Sunbelt Credit '' ( or "  Security Finance '' ac cording to my caller I D ). I  did n't answer the phone but they have left two voicemails so far, in which they asked me have my friend call them back. I am being harassed by a debt collector over a debt that is n't mine.     First call occurred on    XXXX  -2017  at  XXXX   XXXX  EST.   Second call occurred on   XXXX -2017 at   XXXX   XXXX  EST.
Consumer complaint received 2021-07-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP (NJ)

I opened a XXXX XXXX credit card with US Bank on XX/XX/2021 and have been using the card for the last two months with no issues and paying the statement balance in full each time. On XX/XX/2021 I tried to make a purchase from XXXX and the card was declined twice. When I checked my online account login two days later, the account didnt appear at all. 

I called to inquire on the evening of Wed XX/XX/XXXX and the customer service agent told me that the account had actually been closed on XX/XX/XXXX and I would have to speak with account fraud services which was only open during business hours. I called back on Friday XX/XX/XXXX and finally reached the account fraud services who repeated that my account was closed for suspicious activity and that they had sent a letter explaining. I have not received this letter and could not get any further information from them. I concede that it is their prerogative to take away my credit account but to do so with no indication or apparent reason is concerning. 

I have no idea what activity could have triggered the account closure and also find it suspicious that this account closure occurred when I was close ( approximately {$2600.00} of {$3000.00} ) to reaching the spending threshold required to obtain the advertised account opening bonus of XXXX XXXX I would at least like a reasonable explanation for this account closure as this practice seems deceptive to me.
Consumer complaint received 2022-05-04
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. (AZ)

It's been so agitating waiting for Bureau 's feedback to my previous complaints about getting some incorrect stuff in my report. All the inquiries and incorrect personal information that are reported were truly unfamiliar and unauthorized. I have been sending you written requests to get rid of these inquiries and personal information but you have failed to do it or at least notify me about the status of my requests. Below are the unfamiliar inquiries and incorrect personal information I am disputing. 

ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX EMPLOYER : XXXX XXXX XX/XX/XXXX INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX LINK TO OPEN ACCOUNTS XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-10-14
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Fair Financial Corp. (CA)

I have a lease with the car company Fair. At two points, I made payments outside the regular automatic billing cycle due to financial hardship caused by Covid 19. Regardless, I have completely settled the debt and have been up to date on payments since XXXX. Unfortunately, their billing system is " being revamped '' and does not reflect all the payments I've made. I am getting harassing collection calls every day, multiple times a day. I have explained and provided proof of all my payments several times, spoken by email and by phone with several agents, and yet they still call saying I am delinquent on payments and threaten to repossess the vehicle. Furthermore, I've had several agents tell me " this happens all day, I'm sorry '' so I know I'm not the only customer experiencing this problem. Their social media is also lit up with comments fr clients that they have been waiting for their overpayment refunds for weeks and weeks with no answers. Fair is ripping people off and this should be thoroughly investigated.
Consumer complaint received 2020-10-20
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 — Problem with personal statement of dispute
Company: JPMORGAN CHASE & CO. (MI)

Somee how I recived a amazon chase credit card, the day I got it i cut it up, then I statred gettting letter from Cahse and threw them away because I nevr used the card.

i get a call saY i OWED THEM XXXX BUCKS FOR THE PLEASURE OF HAVING A CARD i DID NOT WANT NOR DID i ASK FOR..

Today I saw my credit scre go down 8 points becuae I didn't pay there extrtion fees..

nobody at chase can even tell how or way I got the card or if I ever used it or for what.

i cut them a check to ty and preserve my credit ratings..

Help how can they treat people like this!!!!
Consumer complaint received 2020-10-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (LA)

I was in the process of evicting due to Hurricane Laura and tried to book a pay at the property hotel. I booked the XXXX XXXX via XXXX and it was indeed a pay at the property hotel. Upon reserving my room the company charged my card which was against XXXX policy. I attempted to reach out to the company via phone on XXXX but was unsuccessful due to them disconnecting their phone line. I reached out to booking on XXXX as well and they was also unsuccessful with reaching them. So I filed a claim to cancel my booking through the company because they violated a legal policy by charging my card before I even got there. And again they was unsuccessful reaching out to someone at the property because they refused to answer the phone. I shouldnt have been charged anything thats the purpose of booking with the company I used for security purposes. Not only did they charge me before I got there but they refused to even acknowledge the fact they was in breach of contract with booking. I didnt stay at the property me and my family was evacuating from a hurricane and I believe this property was using that situation to defraud evacuees. Ive taken this matter up with our Attorney General and I would like to be refunded all of my money due to the fraudulent handling of this transaction. Im a XXXX single mom of XXXX  and can not afford for anyone to scam and commit fraudulent acts against me Im asking for a favorable decision because they violated legal policies.I reached out to my bank ( Chime ) on XXXX and eventually I had to file a claim to get my money back. I provided them with my XXXX policy info the email from the hotel stating that I will pay at the property and their own company policy with XXXX that once again states that I would pay at the property. My bank decided that no error happened and is allowing the transaction of XXXX to be finialized even though 1. They shouldnt have charged my card. 2. I did not stay at the property 3.  The literally violated not only XXXX policy but their own.
Consumer complaint received 2020-10-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (AL)

On XX/XX/2020, the day these fraudulent charges were discovered. XXXX XXXX reported the charges to an XXXX agent ; the result of which the agent determined that the charges were fraudulent and that XXXX XXXX was not liable. The amount of these fraudulent charges were {$12000.00}. 

On approx. XX/XX/XXXX or XXXX, 2020, Amazon Visa unilaterally charged XXXX with approx. {$8900.00}. These charges were again disputed by letter on XXXX XXXX, 2020. See Attached letter to Chase Bank. 

All of the charges listed in the attachment from Chase Bank were fraudulent and unauthorized. These charges were made after XXXX XXXX took my credit card which was then sold to another scammer. 

Most of the merchants in the detail printout I have never visited or made any purchases for example, XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX, or the XXXX XXXX. 

Chase states next to each transaction on the printout of fraudulent charges, that " you have received the benefit from this transaction ''. This is inaccurate as I did not benefit from the transactions because I did not make any of the purchases nor did I authorize the fraudulent charges. Chase has not contacted XXXX XXXX as of this day, XX/XX/2020, nor have they contacted me, the cardholder, for a sworn statement. Chase has not shown any video with my image making these transactions. 

**Please note : On the attached affidavit, it states that the fraudulent charges are highlighted in yellow. However, I have attached the current printout from Chase so the charges will not be highlighted in yellow.
Consumer complaint received 2020-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: U.S. BANCORP (NY)

I had leased a XXXXXXXX XXXX XXXX through The US Bank leasing program in XXXX, i was a making all the payments and In XXXX i moved to a different address and notified the bank because i was getting my lease bills through the mail. They failed to update the information in there system and the reported a missed payment to the credit bureau because I was late. That has destroyed my credit history. I am a veteran, trying to purchase a home. I have pleaded with them and tried to explain but to no resolve.