davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (OH)

Received a call from Chase Bank on XX/XX/31 regarding possible fraudulent transactions that they caught. I told them that those transactions were not me and they marked them as fraudulent. I was told by the worker that my debit card would be deactivated and that a new one would be sent to me in 2-3 business days. On XXXX I had not received my new card, and needed to buy groceries, so I went to a Chase branch near my house and withdrew {$50.00}. After I got home from the grocery store I checked my bank account and saw that someone, who was not me, had called Chase and transferred {$1400.00} out of my savings account and put it into my checking account. Then, {$1300.00} was withdrawn from my checking account at a branch and two ATM withdraws ( one for {$240.00} and another for {$260.00} ) were also completed. These transactions were done in XXXX, Georgia ( I live in XXXX XXXX, Ohio ). I immediately called Chase and filed two claims, one on the {$1300.00} through their Check Claims Department and another for the two ATM withdraws with their regular Claims Department. Once the claims were filed, I had Chase freeze my checking account until the claims could be completed. After my conversation with the claims departments, I noticed that the {$600.00} from the ATM withdraws was put back into my checking account. On XXXX I received a letter from Chase in which they said that my {$600.00} claim was denied. When I asked for the reason, I was told it was because the new debit card that they were sending me was compromised in transit and whoever got it managed to also get my PIN number. I never received the replacement card and changing the PIN number was never offered to me during the initial phone conversation on XX/XX/31. I explained to the Chase worker that those withdraws could not have been me because I was in Ohio at the time, he told me that I would have to submit " supporting evidence '' that I was not in XXXX at the time, even though Chase has a receipt for my {$50.00} withdraw that I completed at a branch on XXXX and signed for.
Consumer complaint received 2022-10-19
Product: Vehicle loan or lease — Loan
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 (WA)

I bought a new XXXX in Arizona XX/XX/XXXX. After driving to my state of residence in WA I started trying to get a copy of the title in order to get my vehicle licensed. The dept of motor vehicles in WA faxed the request of XX/XX/XXXX, again on XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX. I called on XX/XX/XXXX, XX/XX/XXXX and was told they would expedite the request to fax the title. 
XX/XX/XXXX I talked to XXXX who said he would expedite and mail. 
XX/XX/XXXX I talked to XXXX who said they needed a paper copy and it would take 3 weeks. 
XX/XX/XXXX I talked to XXXX ( not sure of name because accent was too strong ) who was a superviseor ). He said got the paper title on XX/XX/XXXX and it would be sent XXXX XXXX in 5- 7 days. 
XX/XX/XXXX Talked to XXXX who said would XXXX XXXX  title within 5 days and would expedite. 
XX/XX/XXXX Talked to XXXX who said would put in a state to state request to send the title XX/XX/XXXX Talked to another supervisor, XXXX ( not sure because the guy hardly spoke XXXX ) who said he would send the request ( XXXX ) to the title department. He refused to give me any way to contact the title department and was extremely rude. Told me the request was never sent to fax too paper title after it was received on the XXXX! Now, another 3 weeks. Meantime I have extended my license and will have to pay again to extend it. This is the worst trained, most incompetent agency I have ever dealt with IN MY LIFE!!! Just because of them I will never buy a XXXX again!
Consumer complaint received 2020-07-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (NJ)

IC SYSTEM are attempting to collect {$250.00} debt from XXXX XXXX., which was paid, XX/XX/XXXX thru the debt collection agency XXXX ... After paying I received the confirmation # XXXX ... The derogatory mark was removed from my credit report until XX/XX/XXXX ... I've informed them of this and provided the same info ... I also disputed the claim and they refused to rectify the error. I haven't held any accounts with XXXX in years so there's no reason for this same mark to reappear after being paid.
Consumer complaint received 2022-11-05
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. (CA)

This is a simple case of me trying to dispute with the credit bureaus, and the bureaus not doing their job, or ignoring me. Back on XX/XX/XXXX, I send disputes to all three credit bureaus as I believe some of the accounts on my report were not reporting correctly. 
I have been waiting patiently since then, and I have not received any investigation results. 
Because of this, I sent the three credit bureaus an additional dispute notice on XX/XX/XXXX, but I have yet to receive any notices or even an acknowledgment that an investigation is taking place. 

I have read the rules on credit bureaus responsibilities under the Fair Credit Reporting Act, and I know the bureaus have violated the law by not even responding to me after 90+ days. All I want is for them to do their job as it is unfair my credit is remaining damaged simply because they won't do their job.
Consumer complaint received 2022-10-18
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Hauge Associates, Inc. (MN)

In the year XXXX through XXXX, I received over XXXX calls from Hauge Associates. They all came from different numbers, so there was no way to tell who was calling. In one instance, the person on the other end of the phone started using abusive language until I finally got frustrated and hung up the phone. 

I started ignoring any calls that came from numbers I did not know, I was getting phone calls a few times a week from them. I believe this is a terrible tactic. I have not received any correspondence from them via mail to notify me of any debts. I have never been provided any sort of billing statement either.
Consumer complaint received 2019-08-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (TX)

Hi,In XX/XX/2018 I was past due $XXXX to complete the XX/XX/2018 installment ( made $XXXX payment on XX/XX/18 ) I made a bookkeeping error and made a full payment of $XXXX. That full payment i made in XXXX was applied to the XXXX installment and i was shown past due $XXXX for the XXXX installment. I believe my credit has been impacted by late pays because of the way the funds were posted. Please help me correct this error as i'm trying to clear my name with Ally :) and my credit at the same time. Please call if any questions, i appreciate your help in advance.XXXX XXXX(XXXX) XXXX-XXXX
Consumer complaint received 2022-10-19
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. (AL)

In accordance with the Fair credit reporting act USC 1681 ( i ) ( a ) ( 1 ) ( A ). Can you reinvestigate the completeness and accuracy of this accounts Account name Account number XXXX XXXX XXXX XXXX XXXX  services XXXX XXXX XXXX **** XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 602A .States i have the right to privacy 15 USC 1681 section 604 A section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

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

15 USC 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 a reasonable cause to believe the information is inaccurate.
Consumer complaint received 2022-10-18
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: Carvana Group, LLC (UT)

My credit score shows at XXXX when in XXXX is XXXX, XXXX XXXX and XXXX XXXX. I don't know why it shows that is that low. What can we do to get it fixed?
Consumer complaint received 2021-09-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (MD)

Hi, I am currently trying to become eligible for the public service loan forgiveness program. As you are aware, in order to qualify, you must make 120 timely payments on the loans to be eligible for forgiveness. Over the past 8-9 years, I have been making timely monthly loan payments under the IBR program . I make a single lump-sum payment, and the servicer applies the payment to the nine different loans that constitute my universe of law school student loans.

For eight of my nine loans, I am right on track for forgiveness -- - I only have a year and a half to two years left of payments to make left. For one of the loans, the servicer said something like five full years of payments were untimely. The servicer agrees that I made them, but has deemed them untimely. However, as stated, during those five years, I made a single payment to the servicer, and they attributed the payments made to the individual loans. So, even when I made a timely payment ( and they correctly attributed the timely payments to eight of my nine loans ), the servicer delayed the attribution of a portion of my payment to one of my loans, such that the payment ( in their internal system ) is late. But that " lateness '' is due to their actions, not mine.

Accordingly, for one of my nine loans, they state that I will not be eligible for forgiveness until XXXX or XXXX ( my other loans will be eligible for forgiveness in XXXX or XXXX ). I raised the issue with my servicer, and after considering it for 8 months, they rejected my request.
Consumer complaint received 2022-07-28
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. (FL)

Ive noticed unauthorized inquiries on my Equifax report and provided this information over to the reps, and managers at Equifax over the phone. I mentioned to them how I was aware that according to the FCRA, legally these unverified & unauthorized items MUST be removed but instead they said they DO NOT and WILL NOT remove any inquiries and gave no reason as to why. The other two bureaus investigated and removed the unauthorized inquiries yet Equifax still refuses to do anything about this. I am in the process of applying for home loans and would like these inaccurate items to be taken off my report because it is lowering my score and credit worthiness. 
List your inquiries desired to be deleted 1. It is a reason of identity theft. XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. It is a reason of identity theft. XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
3. It is a reason of identity theft. XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. It is a reason of identity theft. 
XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
5. It is a reason of identity theft. XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
6. It is a reason of identity theft. XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
7. It is a reason of identity theft. 
Account Number : XXXX Please remove it from my credit report. 
8. It is a reason of identity theft. 
XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. 
Also, please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.
Consumer complaint received 2022-06-04
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NH)

Equifax complaint was received by XXXX XXXX from Equifax on XX/XX/XXXX. ( XXXX ) Equifax dated their response to my complaint as XX/XX/XXXX. ( XXXX ) The envelope that I received from them showed that it was mailed on XX/XX/XXXX. ( XXXX ) It appears as if Equifax engaged in mail fraud in order to make sure the negative items were not deleted within 30 days, as is required by the FCRA when there is no response within 30 days. When I originally sent out the complaint, I sent it out at the Post Office on XX/XX/XXXX ( XXXX ).
Consumer complaint received 2021-09-26
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)

I've been trying to get XXXX, Equifax, and XXXX to correct multiple erroneous accounts that they have attributed to my credit file. I recently submitted a FTC Complaint to them in an attempt to resolve this ongoing issue. I've yet to receive a remedy that will correct this issue. Now I am reaching out in order to get this resolved and get these erroneous accounts that are listed on my file removed. I want all these accounts removed from the various reports at XXXX, Equifax, and XXXX.
Consumer complaint received 2021-09-26
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. (MA)

On XXXX, Creditor Contact : Not Available add a derogatory mark on my credit report per Score sense. Upon farther research, this account was transferred and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this account debt at all. A bill without a written signature does not validate the debt and anybody can send a bill and say that its mine. According to the FCRA, ( coll Agency and Credit Reporting Agency Name are violating my rights as a consumer and I'm requesting legal action to remove this account immediately
Consumer complaint received 2023-01-09
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: KEYCORP (UT)

In XXXX we spoke with Keybank and an agent told me I could convert my HELOC at my credit union to an interest-only, fixed rate ( at 5.5 % ) with KeyBank so I began the process. 
The communication was atrocious. I was asked for information repeatedly that had been sent over two weeks prior. It was awful. 
I later learned that the 5.5 % was a mistake and the rate would be more like 8.75 %. 
We went ahead with it anyway despite that major disappointment. And closed the loan in XXXX. At closing, I was told : 1 ) due to the problems wed get a .5 % discount and 2 ) after closing the HELOC as variable, we would lock it for a {$50.00} fee and it would be interest only and fixed rate. I have emails confirming this commitment prior to closing and at closing they made calls to XXXX again promised that after we closed the loan would convert to fixed, interest only. So we closed the loan. A few days later we were informed by the branch manager that KeyBank doesnt have a fixed rate, interest only. They only have a fixed rate principle and interest option, not interest only. Not being able to provide us the loan product which was the only reason we moved to them, our payment went from {$550.00} to {$1600.00}. TOTALLY NOT WHAT WE WANTED TO DO! 
The only option we had was to stay with a variable rate, but we never needed to do that. AND we had a {$250000.00} credit line now we have {$80000.00}. 
This was a disaster. 
Worse, I wish that were the end of the problems, we went in and filled out a form so that they could withdraw our payment monthly from our credit union checking account. We filled it out precisely as they asked us to as we sat in their office. 2 weeks later now they haven't withdrawn our payment, they sent us notice of missed payment and now added late fees. We keep trying to resolve this with the branch manager but he doesn't respond to me.
Consumer complaint received 2021-09-25
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: Risecredit, LLC (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  showing my collectoin after agreeing to remove it after payment... 

it keeps reappearing has been settled...
Consumer complaint received 2022-06-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AAS Debt Recovery, Inc. (OH)

Notice for Proof of Claim Account : AAS DEBT RECOVERY INC XXXX I have sent in a complaint over this unverified debt with a 3rd party collection agency that I have never done any business with. I have sent a cease and desist letter and requested the proper documentation and never received the proper paperwork requested. I did receive a generic screenshot-style letter with inaccurate information listed. There was no proof of contract as required by OHIO Law under 1319.21 O.R.C. CODE TAKING ASSIGNMENT OF DEBT ( FDCPA ). I have no business relationship with AAS DEBT RECOVERY INC. I need to seed their proof of ownership or the chain of title ownership. I firmly believe they ( AAS DEBT RECOVERY INC ) are attempting to enforce a claim upon my person without any valid information.
Consumer complaint received 2019-05-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (NY)

IN XXXX I CONTACTED XXXX TO ADVISE THEM I WAS SWITCHING COVERAGE TO ANOTHER INSURANCE COMPANY-XXXX XXXX EFFECTIVE XX/XX/XXXX. THEY DID NOT CANCEL MY COVERAGE UNTIL XX/XX/XXXX AND BILLED ME ALMOST {$400.00}. I RECEIVED NO BILLS FOR THE COVERAGE. IN XXXX I WAS NOTIFIED THEY REPORTED THE BALANCE TO COLLECTIONS. I IMMEDIATELY CONTACTED XXXX DIRECTLY TO ADVISE THEM THEY INCORRECTLY BILLED ME AND SENT PROOF OF COVERAGE. IT TOOK THEM 2 WEEKS TO CORRECT THE BILL. I REQUESTED SEVERAL TIMES FOR A REVISED STATEMENT, WHICH I STILL HAVE NOT RECEIVED. I WAS TOLD THE BALANCE WAS {$170.00} WHICH I IMMEDIATELY PAID. I STILL NEVER RECEIVED A BILL AND I WAS ASSURED ON SEVERAL OCCASIONS THAT THE ACCOUNT WOULD BE RETRACTED FROM THE INSURANCE COMPANY. THE COLLECTION AGENCY REPORTED THE ACCOUNT AS SETTLED WHICH IS INCORRECT AS IT WAS TO BE REMOVED.
Consumer complaint received 2019-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX has failed to send the paid in full letter that been requested on three separate occasions. Once towards the end of XX/XX/2019, a second time on XX/XX/2019 and a third time on XX/XX/2019. I still have not received the paid in full letter. I was advised I would receive the paid in full letter by the XXXX XXXX  team, which is a direct team of XXXX contact number is XXXX-XXXX-XXXX. This team advised their records show paid off date as of XX/XX/2019 on all three accounts.In addition, to requesting that paid off letters on three separate occasions I also received a call from a law firm stating that my loans no longer needed to be repaid because my loans were submitted into the XXXX lawsuit and all payment request from XXXX are to cease. This call was received after the accounts were paid through the law firm that XXXX obtained to collect the private student loans.  The fact that they have not sent the letter to me, so that I can send it to Transunion as well as all the other credit bureaus is affecting my credit. I have contacted Transunion on serval occasions asking them to update the information and they refuse to because XXXX is failing to update Transunion.
Consumer complaint received 2022-10-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC (FL)

I have been in contract with XXXX XXXX to correct the problems with my account. I received a letter that said my credit scores would be adjusted and that has not happened. On my statement they are still showing erroneous late fees.. When Selene erroneously force place insurance on my account it generated additional late fees including inspection and other junk fees. I requested that they review my account and make adjustments to the late fees. There was extra money paid on my account which that they are holding. I asked that they apply the funds that they are holding to the late fees and then give me the balance to be paid. I spoke to one of their phone reps and she told me the excess funds could not be applied to my account until it reach a full mortgage payment and then it would be applied to the mortgage payment. I told her I want the excess to be applied to the late fee regardless of their policy ; after all it is my money.. I am paying 15 % interest and applying that money to a payment does not help me because of the {$760.00} payment only {$17.00} is going towards principle. The other thing I have requested is that when I request a payoff statement the the statement " Our records indicate the above reference mortgagor ( s ) is/are either in bankruptcy or has/have received a discharge in bankruptcy '' be remove as it brings up a red flag and impedes my ability to refinance the property. That is false and misleading information Selene is providing to other lenders. Their practices hurt the consumer.
Consumer complaint received 2022-11-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CA)

This is regarding CFPB complaints # XXXX, XXXX, XXXX, and XXXX. 

Attached are the proofs. 

XXXX XXXX letter proves that identifying information on the wire to apply the payoff balance on XX/XX/22. 
The error was on Wells FargoXXXX. 
While waiting for resolution, I paid {$2000.00} on XX/XX/22, {$1600.00} + {$1600.00} + {$61000.00} on XX/XX/22, which is more than {$66000.00} I owed per XXXX. 
Honor the XX/XX/22 payoff balance as promised and promptly refund me the overpaid amount.