davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (NM)

I was requesting the copies of my free credit report that I am to be able to access once every 12 months for free. I was able to obtain my XXXX and XXXX reports, but for some unknown reason, my Equifax credit report was not generated. This makes no sense to me since I was on XXXX and had provided the same information for all 3 reports. I was able to obtain two of them, why not three. I need the copy of my report to make sure that nothing is appearing on there that should n't be. I feel that a company may be trying to commit fraud on my credit report and you, Equifax, are hindering that.
Consumer complaint received 2016-12-29
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (GA)

Car reported stolen XXXX/XXXX/XXXX. Case # XXXX XXXX XXXX Police Department Detective XXXX XXXX - XXXX XXXX declared a " TOTAL LOSS '' XXXX/XXXX/XXXX. ALLY FINANCIAL is the lien holder for the XXXX XXXX XXXX in question. XXXX XXXX declared total Loss but ALLY FINANCIAL is still taking my payments? 

I went to trade the vehicle in AFTER XXXX XXXX & ALLY FINANCIAL made me recover the FOUND stolen vehicle in California - for which XXXX OR Ally Financial have attained a SALVAGE Title unbeknownst to me. 

The car was declared " Total Loss '' in XXXX. I HAVE GAP Insurance and ALLY FINANCIAL IS AWARE of that fact and has NOT ACTIVATED GAP despite my requests or questions ; as I was n't sure about GAP until recently. 

I want to complain and bring charges against BOTH entities for fraud. 

The XXXX XXXX XXXX XXXX XXXX XXXX AND ALLY FINANCIAL ARE NOT IN COMPLIANCE WITH GA LAW. Please advise. 

XXXX XXXX XXXX XXXXXXXXXXXX
Consumer complaint received 2017-01-03
Product: Credit card — 
Issue: Forbearance / Workout plans — 
Company: JPMORGAN CHASE & CO. (NJ)

My X husband and myself have a joint Marriott Card together. When we got divorced on XXXX XXXX, 2013 the card balance was given to him as a liability. Last year he lost his job. He was unemployed for 6 months. He could not pay the amount of XXXX per month. We both talked with Chase and they said they will not do anything about changing the amount of the payment and are now reporting as a delinquency. 
I told them how much we could afford together to pay something to them they refuse. My credit is now being completely destroyed when this is not my debt anymore to begin with. Please help!
Consumer complaint received 2016-05-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I noticed a debt collection on my Transunion credit report that was inaccurate. I disputed it and the following day I received a call from debt collector. When I questioned the debt, he became rude and disrespectful. He also used offensive language and threatened me. After speaking with debt collector I called original creditor to validate debt and they had no record of debt. I faxed the debt collector a validation letter and received a call from debt collector saying my 30 days were up. I never received any letter or call before I disputed debt. The dispute came back as VERIFIED, NO CHANGE. I called Transunion to question the results and I was told to dispute it again. Once again I received threatening calls from debt collector. After a couple of weeks I received result of dispute and once again it stated VERIFIED, NO CHANGE. Next I wrote Transunion stating " Under the provisions of the 1977 Federal Fair Credit Reporting Act, I hereby request that your agency prove to me in writing the accuracy of the reporting of this account. Under the terms of the Act and succeeding court cases, you have thirty days to prove to me the accuracy or you must remove the account from my Credit Report '' via certified mail. Soon after I received another threatening call from debt collector and same results from Transunion " VERFIED, NO CHANGE. This is FRAUD and needs to be removed from my credit report. My credit score has lowered and I have been trying really hard to have excellent credit.
Consumer complaint received 2018-07-06
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. (MI)

In XX/XX/XXXX, my debit card was compromised. Upon fraudulent activity, I canceled the card, before I received my new from XXXX XXXX, all my social security benefits were stolen. I'm XXXX and feel violated. I went on the Equifax impact site and learned my sensitive information was impacted. On XX/XX/XXXX, I was informed that I am on the XXXX data breach as well. My old email was breached and now I am at a lost for words. They even tried to change my home address. I became paranoid and afraid that someone knew my home address. My XXXX and XXXX was and still is unbearable.
Consumer complaint received 2017-02-11
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Bread Financial Holdings, Inc. (CT)

I pulled my annual credit reports from all XXXX bureaus. There is an unauthorized hard inquiry on my XXXX report. I could not dispute this with XXXX ( it rejected 4 times! ). This same creditor is listed numerous times online for unauthorized hard inquiries so I figured this is a job for the CFPB. While we still have one. There is NO account, just the inquiry. Here 's mine : Hard Inquiries : XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX
Consumer complaint received 2015-08-17
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (OH)

I purchased my first home on XXXX XXXX 2015. I used XXXX XXXX XXXX XXXX for my closing. When they paid my first tax payment, they wrote the check payable to the County Treasurer 's office but mailed the check to my homeowner 's insurance company, XXXX XXXX, on accident. XXXX XXXX company did n't pay attention to the payble to line on the check and deposited the check. Chase bank allowed them to deposit the check to even though the check was not payable to them. My biggest complaint in all of this is that the bank allowed XXXX XXXX to deposit a check that was made payable to the treasurer 's office. 

The reason Chase Bank is my main complaint is because of their response when I filed a complaint with them. 

Chase Bank 's response was that when a check is deposited by a business, they do not look at the payable to line. Then they stated they would not discuss the matter further because neither the account the check was deposited to nor the account the money was coming from ( XXXX ) did not belong to me. Because they allowed this check to be cashed, my property taxes were very nearly late. I received and overage notice from XXXX XXXX XXXX XXXX late in the day ; I deciphered the situation on XXXX XXXX ; I mailed the check XXXX XXXX. Taxes were due XXXX XXXX. Also, I had to pay for the taxes out of pocket until the hold on the insurance company check cleared with my bank. 

As an individual, if I tried to deposit a check that was not payable to me, there would be severe repercussions. If a wife tries to deposit a check payable to her husband into her husband 's account, she ca n't even do that with Chase bank. Why do these rules not apply to companies as well? 

XXXX auditing process is the reason I caught this mistake. Their timely overage notice XXXX days prior to my taxes being due was the saving grace in this situation. XXXX XXXX XXXX XXXX admitted their mistake and refunded my {$200.00} closing fee. Why is it that the bank is the only agency in this matter that is not being held accountable for their ineffective business processes that potentially harm the individual? 

I have filed complaints with multiple agencies regarding this issue and all of them have said they do not govern the institutions and can not help me.
Consumer complaint received 2023-06-08
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)

I've disputed letters to the credit bureaus XX/XX/23, along with an ftc report as i was a victim identity theft. The credit bureaus Equifax, XXXX, XXXX have ignored my complaints.And i have sent out another set of letters reguarding this inaccurate information. 

*Creditor : XXXXXXXX XXXX ( Original Creditor : 09 XXXX XXXX XXXX, Account : XXXX *Creditor : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ), Account : XXXX *Creditor : XXXX, Account : XXXX XXXX : DEPTEDXXXX, Account : XXXX *Creditor : DEPTEDXXXX, Account : XXXX
Consumer complaint received 2017-08-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (IN)

XX/XX/XXXX I was contacted by XXXX XXXX to consolidate my school loans and lower my monthly payments. I agreed to the proposed consolidation, but it was noted that ONLY my loans, not my son 's XXXX XXXX loans, be included in the consolidation. I was told that for the next 10 years I would pay somewhere between $ 50-70 a month and at the end of the 10 year period ( or 120 ) payments, the balance would be forgiven. In XXXX, I received my first notification from FedLoan. I immediately contacted XXXX XXXX because the Parent Plus loans were included. FedLoan was contacted by XXXX XXXX and myself, but we were told that the loan consolidation was complete and there was nothing that could be done to reverse it. For the next few weeks, I was in contact with both XXXX XXXX and FedLoan in an attempt to fix this problem. Because of this mistake, I was also taken to court by my ex-husband - he was responsible for the ParentPlus loans per our divorce decree. I was told by XXXX XXXX to let the matter rest since my payments were at the amount that they had calculated - {$57.00}. I paid this amount for 12 months and received a notification from FedLoan to recerttify. Once I completed the recertificaiton process, I was informed that another mistake was made. I was NOT eligible for the repayment program and had to be put into another program. My payment was then calculated at about 5 times the previous amount - {$250.00}. Again, I contacted XXXX XXXX and FedLoan, but was not able to get any satisfaction. I was basically told, sorry we made a mistake, and nothing could be done. I contacted every agency to attempt to get some kind of assistance, I hired an attorney to file bankruptcy, and finally had to sell my home - the payments were increased to {$470.00} in XX/XX/XXXX. I have tried everything to get the matter resolved and feel that I have been grossly taken advantage of. Please note that XXXX XXXX has attempted to assist me with this matter and even provided monetary help to either take FedLoan to court ( no one would represent me ) or file bankruptcy. I would appreciate ANY feedback. After reading a number of articles, including the lawsuit against XXXX, I am not alone - but that does not help pay the bills! The sheer number of documentation I have is too great to include in this email, but I would be happy to send any/all via USPS.
Consumer complaint received 2023-06-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (CA)

I have a home loan with XXXX Mortgage Co. 

I received a notice re a shortage in my escrow account, and was given an option to pay in full the shortage, or start paying a higher monthly amount. I chose the former, going to the website and paying the amount of {$1400.00} in full. 

XXXX has acknowledged receiving the amount, but claims that they didn't know where to put the funds I had paid, and after trying to contact me ( the phone number they had in their database was incorrect ), they applied it to my escrow, which according to them is different from the escrow shortage account. 

Because I had already paid the shortage, I paid the bill due in XXXX in the amount of {$3200.00} instead of the higher amount if they had not received the shortage payment ( approximately {$3400.00} ). 

However, because XXXX did not apply correctly the escrow shortage payment I sent in : XXXX ) they have claimed I had not paid the {$3400.00} payment due on XX/XX/XXXX XXXX ) added late fees XXXX ) reported me to the credit bureau for XXXX I spoke to a Roundpoint rep on XX/XX/XXXX and she had claimed they would fix the issue and remove the late fees, and my future payments would be {$3200.00}. She told me to wait till XX/XX/XXXX and everything should be fine. Instead, a delinquency notice was sent to the credit bureaus around XX/XX/XXXX. Immediately after being contacted by XXXX, I called XXXX again and was told they would TRY to fix the problem which hopefully would reflect no delinquency around XX/XX/XXXX. In the meantime, my credit is messed up. The rep also said I have an escrow overage and would receive a refund check, which further muddies the situation.
Consumer complaint received 2023-06-08
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. (MO)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES 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 AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-06-08
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # XXXX XXXX # XXXX has XXXX my rights. 

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

15 U.S.C 1681 Section 604 A 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 seveXXXX 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 2023-06-06
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: Experian Information Solutions Inc. (TX)

Recently, I discovered an unauthorized late payment from your business on my credit record. Transactions like payments are not meant to appear on a consumer credit report, according to the FCRA. I'm aware that there was a billing mistake, but I just want it to be fixed.
Consumer complaint received 2016-06-27
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (MO)

I have took out a small {$300.00} loan with ACE Cash Express, and since then made four payments of {$43.00} ; {$170.00} totaling to date the account is still has a balance of {$270.00}. I have contacted ACE and they are or no help, very unprofessional people work there who can not explain why my balance only went down {$25.00} for all those payments made.
Consumer complaint received 2017-08-01
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Hayt Hayt & Landau, P.L. (FL) (GA)

Around about XXXX XXXX, 2017 I received a letter for me to dispute the debt within 30 days.The letter was sent out on XXXX XXXX, 2017 however I did not receive none of my mail until around XXXX XXXX, 2017 when I gave the debt collector a call. All of my mail was sent back to the post office trying to forward it back. I had to call the post office and walk in to speak with someone about my mail. I call the company Hayt, Hayt and Landau, P.L. an left a message stating that I just received this letter and I will like to dispute the debt. I  explained in the voicemail that I was not receiving my mail and that I have proof. I did not receive a call back neither anything in the mail. I tried calling them again and no answer. On X/XX/2017, I also sent to Hayt, Hayt & Landau, P. L., a Creditor/Debt Collector Declaration and I have yet to receive anything back from them. by law I was under the impression that they have to provide that information to me. No answer to my certified letter. The next thing I know I am getting a lawsuit served to me on X/XX/2017.
Consumer complaint received 2023-06-08
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

I would like to thank your company for the many great years of service that Ive experienced as a customer. I have been very loyal during this time ; however, I am requesting some assistance from you if possible. 

Ive experienced some rough patches in life that were very difficult to handle due to some personal issues. I have always tried my best to get every single payment in on time, however there were a few times in the past that I was late. Apart from those few late payments, my track record for paying on time has been great. However, the few times that I was late shows on my credit report, and this can make it extremely difficult and hard to qualify for a mortgage, auto loan etc. As Im sure you know. 

I would like to make a goodwill request to have some or all those late payments XXXX XXXX, XXXX XXXX, XXXX XXXX removed from my credit. I look forward to continuing to do business with your company, and I ask for you to please eliminate those late payments with the credit bureaus by filling out the Universal Data Form and faxing it to the credit bureaus ( XXXX, XXXX, XXXX ) that you report to. I really do hope you can help me out, it would mean the world to me and will help me qualify for a loan I may need. This is regarding account : Report Date : XXXX XXXX, XXXX XXXX, XXXX XXXX
Consumer complaint received 2023-06-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (IN)

A wire was sent from my bank on XXXX before Coinbase 's cut-off processing time. My bank does confirm the funds are sitting with Coinbase. Coinbase is refusing to put the money into my account and claim no money was ever sent. They said to stop contacting them about " missing money ''.
Consumer complaint received 2017-09-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

This is the third complaint I 've filed for this issue - I was instructed by a customer service rep at CFPB to file an additional complaint. A series of unauthorized transactions totalling {$870.00} hit my Bank of America checking account in late XXXX and XXXX of XXXX. Bank of America maintains that fraud could n't have taken place because my checking account information was used - in spite of the fact that I have reason to believe these numbers were compromised. Bank of America refuses to acknowledge that a checking account number could be stolen and used in a fraudulent matter. This is ludicrous. Additionally, I had an ATM not dispense funds for a total of {$200.00} - Bank of America also refuses to acknowledge this and maintains that they have no course of action to help with this. Finally BofA closed my account and refuses to tell me why other than to say that it was because of my claims - they did this with no warning and with the account holding a positive balance. They wo n't even tell me when I can expect to have a check for the funds that were in my account. I 've feel that I 've been targeted for filing a complaint with CFPB.
Consumer complaint received 2017-08-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (MI)

XXXX XXXX XXXX XXXX has allowed someone to open a debt in my name that does not belong to me. I have submitted all documents to all companies and the credit bureaus. the companies has also forwarded the documents to XXXX XXXX XXXX. I have called XXXX XXXX XXXX and spoken with them personally to verify that they know this is a fraudulent account. XXXX XXXX XXXX continues to resell this account to different collection agencies to have them report this debt to my credit. they have had this debt re reported 3 times wile changing the amounts of the amount owed so that the credit bureaus will re-report. This is against the FCRA rules and i made XXXX XXXX XXXX aware of this and they still have this account re reported
Consumer complaint received 2023-06-08
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (NY)

Sadly, there was a lawsuit against California XXXX XXXX and at the time, my loans were at an all time high of interest rates of 19 %. I opted out of lawsuit due to possibility of losing suit and having to pay lawyers. I have over most of the almost 20 years paid my loan but currents rates at XXXX if insane and there is no wiggle room to pay down my debt. I called to see if my private loan is available for cancellation, but told not at this time. I am currently in forbearance with no end in site. I even tried to refinance and current rates at 9 % and higher. I am at a loss as what I can do.