davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO. (CO)

In XX/XX/XXXX, I took out an auto loan with XXXX XXXX ( online ). I asked to borrow in addition the amount of the sales tax. The lending agent incorrectly computed the sales tax amount and sent a check for {$1000.00} to the Colorado Department of Revenue. When I went to register the vehicle, I was told the amount was incorrect because Chase had calculated city sales tax and I live in an unincorporated county and don't pay sales tax. 
On XX/XX/XXXX the Department of Motor Vehicles returned the check to Chase with directive to send {$560.00} to cover sales tax and to credit or refund the customer the balance of {$470.00}. I have been asking since XX/XX/XXXX when I learned of the discrepancy how my account would be credited. 
Initially I was told it would take 2 - 4 weeks and would show up as a credit on my loan. I have sent 14 messages to Chase online, and called them over 12 times and no one can seem to take care of this.

I know the letter from the DMV is on file with Chase as one of the employees found it and told me Chase received the check and letter and returned the correct check in the amount of {$560.00} to the DMV on XX/XX/XXXX. It is XX/XX/XXXX, and now i have a message from them saying they will no longer contact me. I've called the XXXX XXXX at XXXX today ( XX/XX/XXXX ) and was told my " agent '' XXXX was busy and would call me back. That is their standard answer. 
I am on my 3rd deadline they set for themselves to resolve this. The first was XX/XX/XXXX, then XX/XX/XXXX and now XX/XX/XXXX. They never tell me they moved the deadline - I have to call and ask. 
I feel they not only need to refund the overage loaned amount to me but also refund interest charged on that amount from the inception of the loan. This amount was based on their calculation, not mine. 
Can you please help me? It's hard to believe a bank can not subtract {$560.00} from {$1000.00} and see they have never credited my loan amount or sent a refund.
Consumer complaint received 2022-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (IL)

I have been unable to obtain my credit report from Equifax for over 2 years. My most recent call to them was on XX/XX/XXXX. I can not access my equifax.com account and lenders can not pull my report. Instead, a message to call the consumer care center appears. The care center stated there's an " internal block '' on my credit, however, it wasn't placed by Equifax per their representative. They asked me if I recall being a fraud victim and I said no I have never been a fraud victim. They can't tell me who placed this " internal block '' on my credit. Finally claiming that I placed the block or " maybe a creditor placed the block ''. When I tell them I did not place block, and I did not authorize anyone to place a block on my behalf so I'm requesting they remove it, they stated I must send copies of personal identification information ( birth certificate, social security card, and driver 's license ) via FAX or MAIL. When I told them I refuse to send those documents to a company that had a major security breach and would like a physical address where I can resolve this matter, the representative put me on hold for greater than 30 minutes ( my lendor can confirm this ) and never spoke on the line again. I have had this same experience In XX/XX/XXXX. I want this " internal block '' with codes XXXX and XXXX removed. I want my access to my online account back. I did not place an " internal block ''. Who would place a block on only ONE of their credit bureau accounts? It is ONLY on Equifax and ONLY with Equifax that I have this problem. It is absolutely unacceptable that I can not see or access my own credit report.
Consumer complaint received 2022-07-20
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: EQUIFAX, INC. (AL)

I was in a bad accident about 4 years ago I was in a XXXX for 8 months just beginning to start my life again when I checked my credit report someone was trying to get a car loan in my name and now I have 30 inquiries on my credit report that don't belong to me.
Consumer complaint received 2022-07-20
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Upstart Holdings, Inc. (WA)

I recently switched banks, but was unable to swap all my payments over in time. 
When I realized I was late, I scheduled a new payment to replace the one missed. However apparently their app set it for a further date in the future because I set it up as an autopay rather than a one time so I didn't miss future payments. 

When I realized this, I went back and paid the past due account within the grace period for reporting, but apparently not for fees, which was not clarified or charged when I paid my balance for some reason. 
Sometime after, this company charged me a late fee, then reported that late fee as more than 30 days late owed balance ( they set the due date of the fee back to the original missed payment date, not when the fee was charged to ding my credit ). 

Not only is their communication around the fees abusive, their app and lack of communication and notifications around a missing fee, does not constitute a missed " balance '' to be reported against credit reporting.
Consumer complaint received 2022-07-20
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. (CA)

To whom it may concern, YOU BROKE THE LAW!!!

Pursuant to 15 USC 16814 ( a ) ( 1 ) the banking system is dependent upon fair and accurate credit reporting information. This inaccurate information was furnished, and I was not notified when during the investigation process.

Pursuant to 15 USC 1681 ( a ) ( 1 ) This grave error undermined my confidence in your companies procedures, and as a result of this I will no longer extend credit and want these items removed IMMEDITLEY.

Pursuant to 15 USC 1681 ( a ) ( 2 ) Your company is a powerhouse elaborate mechanism. This mishap that your company has caused has ruined my reputation, and it has adversity my credit worthiness.

Pursuant to 15 USC 1681 ( a ) ( 3 ) Your company assumes this role. You were not given permission by me, the consumer, or a competent court of jurisdiction. Not only did you fail the initial investigation of this information, you also assumed this role, and assumed this information was valid. Which is a violation of my consumer rights.

Pursuant to 15 USC 1681 ( a ) ( 4 ) You did not insure the information is accurate and you did not exercise your grave responsibility with fairness and impartiality. You took one side of the story, never consulted with me to find out if this transaction even took place. As a result of this my privacy was breached, and violated my right to privacy.

( SEE EXHIBIT A ) Pursuant to 15 USC 1681 a ( d ) ( 2 ) ( a ) ( I ) Congress makes it clear that a consumer report should not include transactions between the consumer and the person making the report. The alleged transactions that you are reporting are false and have failed to investigate, weather or not it factually took place between the consumer, and the person making the report. Which means it should not be included in my consumer report and in fact is a violation of my consumer rights.

Pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) In the initial investigation I was never given the opportunity to deny this information being communicated on my consumer report. This is in fact another violation.

Pursuant to 15 USC 1681 a ( B ) Any authorization of a specific extension of a credit or credit card or similar device should be excluded from my consumer report. This alleged transaction that your company clearly did not investigate is categorized as a transaction that was issued from a credit card. Credit as defined as 15 USC 1602 ( 1 )
Consumer complaint received 2022-07-20
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: ProCollect, Inc. (TX)

In XXXX of XXXX we moved out of our apartment. Our leasing office sent us a bill showing we owed money and would not be receiving a refund on our move-in deposit due to damaged carpet that was brand new when we moved in XXXX of XXXX. I asked the leasing office to please provide proof that the carpet was brand new as it did not appear brand new when we moved in and the carpet damage shown was not created by us. ( In an area that had never had spills/cleanings/etc. ) The leasing office sent us an invoice from the flooring company dated XXXX - 2 years before we moved in. I said we will not be paying for the damages until you provide proof that there were no tenants before us during those 2 years as the damage was not done by us. They failed to provide proof - and did not contact us further. They ended up sending our bill to collections where we received multiple calls a week regarding this. I know I can dispute so I filed a dispute with the collector and said we will not be paying until proof is given to us like we asked for. On XX/XX/XXXX The collections agency sent us our final account statement with the apartments and our lease agreement. I responded that this is not what I requested. They didnt reply for 2 weeks even though I have emailed them 2 times for an update on XX/XX/XXXX and on XX/XX/XXXX. They called XX/XX/XXXX and the lady was extremely rude and would not let me speak- said they wouldnt be providing proof and I needed to pay. I informed I know my rights regarding collection disputes and the proof needs to be provided- she cut me off saying they know the laws. I informed I work for a bank and know the laws as well. She cut me off and said it doesnt matter where I work I need to pay what I owe. I told her I would be following up with the CFPB and disconnected. They call me and my husband multiple times a week while we are working despite even though Ive tried communicating over email and they dont reply over email.
Consumer complaint received 2022-07-20
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (TX)

RE : Complaint XXXX In the above-referenced complaint, Synchrony failed to respond to any of the issues regarding the closure of my account. It is clear no employee at this company will respond honestly to this complaint since they will be fired for providing assistance. 

Synchrony claims they could not electronically credit my checking account ; in XXXX this seems highly unlikely and would like this to be investigated further. Had they done this, my overpayment would have been resolved immediately Synchrony claims my payment made on XX/XX/XXXX was rejected due to an invalid account number ; they have provided absolutely no details regarding the message they received. Excluding the absurdity of closing this account for a typo, if they are using this as their reasoning they must provide more details Synchrony claims they can interpret their terms however they see fit and apply them in whatever manner suits them, and the cardholder does not have any recourse
Consumer complaint received 2022-07-20
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: Westlake Services, LLC (HI)

I purchased a vehicle and XXXX  was then original lien holder for the car then subsequently taken over by Westlake Portfolio Management. I have paid off my account in 2019 and I still didn't received the title for my vehicle. I went to the DMV to request a title and I found that they never released the lien hold on my vehicle e ven after paying the entirety of vehicle loan. I reached out to Westlake and they sent me a notarized lien release and power of attorney indicating that they have taken over the original lien holder, XXXX. DMV Hawaii requires that Westlake Portfolio sign and notarized the Application of Title. Which they adamantly declined to cooperate and not allowing to obtain a title for my vehicle. I have spoken to numerous employees and even provided them with application and still nothing. I even tried to ask for their supervisor and I was told that the supervisor is too busy to speak to me and address the issue
Consumer complaint received 2018-03-19
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

Equifax Credit Bureau has listed Tax Liens both Federal and State as well as a discharge in Bankruptcy which is clearly inaccurate and fraudulent. They have indicated that the XXXX County Recorder of Deeds as well as US Bankruptcy court have provided them with negative public record as seen on my report. I have enclosed documentation which show the credit report as well as documentation from the court system that indicate there is no reporting by them to any credit bureau. The problem is that none of the information is accurate. Equifax receives its public information into a database and then sell it to the credit bureau. THIS is a violation of the Fair Credit Reporting Act to report false information. It is also considered false information on my credit report by claiming to get information from a Court or Recorder of Deeds when it is actually obtained from a 3rd party. Multiple letters were sent to Equifax who indicate that there information has been validated and refuse to remove these items from my credit report. 
Public record : Court Name : Federal Government Date filed XX/XX/2012 Reference number : XXXX
Consumer complaint received 2023-06-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Overdraft, savings, or rewards features — 
Company: Paypal Holdings, Inc (MD)

Venmo withdrew {$75.00} from my account twice. I paid the person ( and was supposed to pay them ) {$75.00}, but it was only supposed to be one charge. The end user did not receive money twice. 

I contacted venmo on XX/XX/XXXX and have had very minimal interaction with them. They take multiple days to respond and continue to ask for the same information that I have sent them.
Consumer complaint received 2022-07-20
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. (IL)

***UPDATED INFORMATION FOR COMPLAINT # XXXX ***THIS IS NOT A DUPLICATE COMPLAINT*** ***DO NOT CLOSE AS DUPLICATE*** The credit reporting agency EQUIFAX INFORMATION SERVICES, LLC has been now twice been informed of an UNAUTHORIZED INQUIRY currently being furnished on my consumer credit report and has now willfully and deliberately failed to remove or block the unauthorized inquiry as required by Federal Law pursuant to the Fair Credit Reporting Act [ 15 USC 1681c-2 ( a ) ]. The term Identity Theft is defined under 12 CFR 1022.3 ( h ) as a fraud committed or attempted using the identifying information of another person without authority. The consumer has once again identified the unauthorized inquiry provided herein resulting from Identity Theft and unauthorized use of the my personal identifying information and I have given notice that this unauthorized inquiry has not resulted from any authorized consumer credit transaction. The credit reporting agency EQUIFAX INFORMATION SERVICES, XXXX has now has committed willful and deliberate non-compliance of the Fair Credit Reporting Act [ 15 USC 1681c-2 ( a ) ] for failure to block from reporting the unauthorized inquiry no later than 4 business days after receipt and delivery of the notice delivered on Sunday XX/XX/2022 at XXXX sent by way of USPS Priority Express Mail XXXX XXXX XXXX XXXX XXXX XXXX XXXX As a Federally protected consumer, I am demanding that EQUIFAX INFORMATION SERVICES, LLC immediately remove or block from reporting the following unauthorized inquiry : UNAUTHORIZED INQUIRY TO BE REMOVED : XXXX  XXXX XXXX  XX/XX/2022 ( XXXX ) XXXX XXXX
Consumer complaint received 2022-07-20
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: EQUIFAX, INC. (NY)

My recent report is showing the same account from XXXX XXXX XXXX which is concerning me since I have been disputing this account for multiple times. This XXXX XXXX account was opened without my knowledge and authorization. Thus, I consider this account to be fraud. I have sent multiple written requests to the Credit Bureaus but up until today, I have not received any response from them. Due to their incompetence, I am seeking help from you to help me reach out to the Credit Bureaus and have them remove this account from my Credit Report. There actions have been affecting my credibility as a credit holder.
Consumer complaint received 2022-07-20
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: CITIBANK, N.A. (IL)

I am involved in a dispute with the CitiCards regarding fraudulent charges that were made using my credit card on XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX, I was alerted via email about the suspicious activities by the CitiCard Fraud Department. Later, the same day, I spoke to the CitiCard Fraud Department representative, and I was made aware of three " suspicious '' purchases charged to my account on XX/XX/XXXX and XX/XX/XXXX. I informed the person to whom I spoke that neither me, my wife or my daughter ( two other authorized card holders ) made these purchases and that we did not use the card at all on the days in question. However, when I received a statement for the period of XXXX through XX/XX/XXXX, there were 27 more charges made during the period between XXXX and XX/XX/XXXX, amounting to XXXX dollars. When I disputed the charges, I was informed, via a generic letter, that the " dispute has been closed '' and that I am responsible for the charges I was not told about because and I quote " The card 's XXXX chip was used to make disputed transaction ( s ) at the chip enabled card reader. You verified that your card was in your possession at the time of the transition ( s ), so we don't consider this fraudulent activity ''.

I have made numerous phone calls and sent three emails to CitiBank Security Services that I am submitting as the attachments for your review. I have been very frustrated with the contradicting messages that I was given during my numerous attempts to resolve the problem. CitiCards admits that the purchases that they alerted me about and that they identified as fraudulent were made with the same card and with the same chip as the purchases they want me to pay for. They ignore my inquiries and refuse to explain how they reached two contradicting decisions about the purchases that were made with the same card, during the same time and in the same area. Even though the charges were made 40 miles away from my place of residence and we provided CitiBank with the evidence that none of the card holders were in this area at the time when the disputed purchases took place.
Consumer complaint received 2018-12-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (NJ)

I looked at my credit report and saw that i had 2 payments more than 30 days late from citi. I called citi and asked them if thats true and they said no. I disputed the delinquencies with XXXX  and when i get the results, citi is saying its accurate which its not. I tried calling citi to dispute the findings but they have absolutely terrible customer service and couldnt get a straight answer, i was on the phone with them for over answer, i kept getting transferred and nothing got resolved
Consumer complaint received 2022-07-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (VA)

We have owned our house for 14 years and have problems with payments during Covid. Our mortgage company Mr. Cooper says we qualify for pandemic forbearance plan and gives us 9 months with no payments. When the plan ends we ask them to try and modify or restructure our loan and they refused, they would not let us fill out application, they would not look at the current financial information of our family. We tell them that part of the government forbearance plan is to give people a way to restructure the loan and be reviewed for programs and they say sorry, Mr. Cooper does not do that, you have to pay all the past due payments to us in one payment. We make good income again but can't pay all this money. Now Mr. Cooper sets sale date for XX/XX/XXXX. We love our home and have equity and want to fix this but Mr. Cooper will not give us a chance. 

We believe this is government XXXX XXXX  or XXXX XXXX loan and there are many programs that are available for distressed homeowners. We had a modification 7 years ago when the interest rate adjusted very high and we made these payments for almost 5 years with no problems. In XX/XX/XXXX I was no longer able to work and was collecting disability and my husband 's company was sold to a new ownership group. Even though my husband made good money, the new owners don't understand the business and the company has problems and can't make the payroll for a few months. Once things were fixed we called Mr. Cooper to begin making mortgage payments again but they would not take the money. We asked to be considered for modification and they said no, the only option is to pay everything back. 
A few months later we had Covid pandemic and my husband company struggles and he loses hours and they miss payroll several times. Finally after many calls Mr. Cooper says we are approved for pandemic forbearance plan. We believe that after the forbearance we can work to a new modified and restructured loan or repayment plan but instead same thing happens and the agents say no to everything. This is wrong. Pandemic CARES Act forbearance was mandated by Congress and lenders are REQUIRED to offer a path to fix the late payments after the program ends. Mr. Cooper has failed to do this. 

We have had a significant change in our financial circumstances, my husband is doing well at his job and I am receiving monthly XXXX and my son who lives with us is also working full time and contributing. This is an avoidable foreclosure if Mr. Cooper would just give us a chance for review for modification, restructured loan, capitalization of arrearages or repayment plan but they block everything we do. This is wrong and this company should be investigated for how they treat Virginia homeowners.