davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-10
Product: Payday loan — 
Issue: Payment to acct not credited — 
Company: CURO Intermediate Holdings (OK)

I had applied for a payday loan with speedy cash in XXXX. This loan was not paid back on time, so the lender turned it over to a third party collector. XXXX had several lenders that was trying to collect funds on behalf of other lenders I had payday loans with. Loan shop, XXXX ect ...., but I was told that all these lenders were paid on XXXX XXXX XXXX. Speedy cash is still reporting my account delinquent.
Consumer complaint received 2017-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (TX)

I sent a request via certified mail : I am requesting the removal of a bankruptcy ( below ) on my credit report due to Civil Case No. XXXX XXXX, XXXX XXXX, XXXX XXXX, v. Equifax Information Service , LLC , I did not know the source of their information on those judgments and bankruptcies and due to this, Equifax, XXXX and XXXX has violated the Fair Credit Reporting Act ( FCRA ). Please remove these judgments and bankruptcies as soon as possible. Bankruptcy Ref. # XXXX Since this is a request and not a dispute, I would like to receive confirmation that all judgments and bankruptcies listed on my credit report has been removed within 15 days of the date on this letter. Your attention to this matter is greatly appreciated. My request have been ignored and unfulfilled and not validated : XXXX has the phone # XXXX listed ( which is a recording stating " You have reached a none working number. '' as a source of validation on the XXXX report. I have tried to speak to Dispute dept Reps from XXXX  only to be told that they use a 3rd party to validate the Bankruptcy, but did not know the name of the 3rd party company that XXXX uses so they could not help me or remove it from my report.
Consumer complaint received 2021-07-15
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO. (WA)

I paid my vehicle in full on XX/XX/2021. Prior to paying my car off, I had made a payment arrangement to make payments on XX/XX/2021 and XX/XX/2021. They started charging late fees and sending several notices about my need to pay off balance. I was shocked that they being so aggressive about 2 deferred payments that extended my loan date being XX/XX/2021. I borrowed money from my sister and paid my balance in full on XX/XX/2021. I contacted customer service twice as having assurance no money to be charged as I paid vehicle in full. The second time I contacted them was about a letter to take money out of my account. I called customer service to ask about the letter stating my car was paid off. They said yes my car was paid in full. On XX/XX/2021 Chase auto took {$350.00} from my bank account Today is XX/XX/2021 and and I have yet to receive my money. I am on social security. Their actions caused me over draft charges and I had to borrow {$350.00} dollars from my sister in order to bring my bank balance back to pay the funds Chase bank took from me. I do not believe their poor business practices are ethical. I paid my balance on me loan on XX/XX/2021 on XX/XX/2021 they took my money. I do not believe that should have ever happened. I feel they should have immediately reimbursed my money and as of XX/XX/2021 I have yet to received my money.
Consumer complaint received 2017-08-17
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Dyck-O'Neal, Inc. (ID)

My ex husband had taken out 2 mortgages with Own it mortgage. When we divorced i was awarded the house. The loans were only in his name. This company went out of business and XXXX XXXX acquired the bigger mortgage. And then XXXX loan took over. I was ready to close on the refinance. ( I 'm listed on title only through a quick claim deed. ) When the 2nd mortgage showed on title, No one at my bank, the county, or at the current lender could tell us where the loan went. It was not showing on his credit report or on title. Nothing had been filed. We had not received anything from them, so we assumed it was consolidated into the first mortgage. We have been working on this for approximately 3 weeks when I decided to open up my own escrow and purchase a title report. We sent that report to XXXX and the discovered that it was sent to collections. Dyck O'Neal Inc at XXXX. He spoke to a rep there named XXXX who told him that since it was there for over 10 years that they had charged him interest at the sum of XXXX and the original balance of {$10000.00}. This account does not show on his credit report. They have not tried to contact us or him in 11 years. No one could find it?? The XXXX report shows the account inactive. One surprise after another keeps popping up for this loan. The mortgage is under my ex, XXXX XXXX. Ss # XXXX. His ph # is XXXX. The rep at this collection company wanted to know how much the house appraised for and how much money I was getting back to assess the amount, if any, of interest they MAY take off. I do n't think that 's any of their business. Seems shady to me. XXXX has all the copies deeds, title documents, etc. I do n't feel that 's right to charge that interest If you 've never attempted to collect it or not filed the correct documents with the county. They wo n't tell him what lender even submitted it to collections. So ..you are our last resort. My name is XXXX XXXX. My ph # XXXX. Im not on any of the loans. You can contact XXXX or myself. Thank you
Consumer complaint received 2021-07-15
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: VW Credit, Inc (GA)

On XX/XX/2021, I requested and received a payoff amount from Volkswagen Credit for a a XXXX XXXX I was leasing at the time. I then proceeded to trade in the XXXX and lease another vehicle at a XXXX dealership. According to the XXXX dealership, they confirmed the same payoff amount with Volkswagen Credit and sent the quoted payoff amount which was received but not applied to my account. Volkswagen Credit now claims, almost a month later, that the payoff amount received was short approximately {$6500.00} because there is a different payoff amount for consumers versus third-party buyers, in this case the XXXX dealership. However, there is not any notification or indication on the consumer website that there are different payoff quotes for a VW Credit customer and third-party buyer. The XXXX dealership and I have both made attempts over the last 2-3 weeks to contact and discuss the situation with Volkswagen Credit but have been able to reach someone who would discuss or resolve the situation. Neither the XXXX dealership or me are interested in paying the difference in payoff amounts and are working to undo the deal made over a month ago -- where I've already made payments to XXXX. Now, I am in the position to have to make multiple payments to VW Credit to avoid any negative reporting on my credit report. In addition, this third-party buyer payoff policy essentially prevents consumers from turning in a leased vehicle to anyone but a XXXX dealer -- which seems like it is an unfair practice.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

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.

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 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 2021-07-15
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Happy Money, Inc. (FL)

On or about XX/XX/2021 I applied for a debt consolidation loan with Payoff.com. They initially offered me a rate of 6.65 % for 36 months on a {$40000.00} loan which is their lowest rate for this term and amount. This loan was meant to pay off some existing obligations - thus the debt consolidation. I have an 800+ credit score, and an income in the top 5 % nationally ; furthermore, I have an impeccable record of paying my obligations on time. Per their requests, I submitted W2, Paystubs, and other related documents ; however, they declined my loan request, on the basis that I had a hard inquiry on my credit report. This inquiry was associated with me shopping around with my current lender to see how they compared to Payoff.com 's offer. 

I believe that they are redlining me and effectively denying me credit that would otherwise be available, because I chose to exercise my right to shop around with their competitors. I believe that their actions are in violation of Fair Credit Reporting Act, and beyond the scope of Truth In Lending Act, by not disclosing that such inquiry could have adverse impact. Their actions are anti-competitive and hypocritical to their stated mission. 

I contact them via email and phone on XX/XX/2021 with regards to this situation and their supervisors and team leads only read me jargonesque filled responses and did not try to help nor did they provide a positive adjudication even though the facts would warrant otherwise. 

What these people are doing is illegal and should be investigated. I kindly request that an investigation be initiated. I am sure there are thousands of other impacted consumers nationally.
Consumer complaint received 2021-02-09
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: U.S. BANCORP (CA)

XX/XX/XXXX US Bank account had XXXX cents and no overdraft. US Bank paid a XXXX bill that was {$95.00} dollars reoccurring debt card payment hand't been cancelled. When I spoke to the bank sometime soon after they said " US Bank decided to pay the bill ''. A new account was opened. US Bank sent the overdrawn account to XXXX XXXX. Fast forward to XX/XX/XXXX, I decided to leave US Bank and tried to open an account with a credit union only to be told that I could not do so due to check systems. US Bank is still my bank and they seem to be clueless on rectifying the matter.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

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

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2021-07-15
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. (TX)

I have already sent complaints about this matter than has been resolve only mad worst. I have an account on my consumer report that XXXX XXXX XXXX XXXX has yet to provide me with a contractual agreement, proof ANYTHING that I owe this alleged debt. Instead they submit to the credit bureaus a higher balance before. This company is hung up on me twice when I ask for the period that I owe because this I clearly FRAUD. I contact all THREE bureaus who all can not provide me with PROOF I owe this debt. Equifax sent me a copy of my consumer report as proof saying I owe they debt. They KNOW BETTER than that. A copy of my consumer report is not proof I owe a debt. No one still have sent anything providing I owe this debt. At this point I will be contacting my attorney if not handle in a fair matter.
Consumer complaint received 2021-07-15
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (SC)

Wells Fargo home mortgage underwriter XXXX XXXX in XXXX NC failed to identify cash deposit during our pre-approval on XX/XX/21 which resulted in the failure of securing a home loan. The problem was identified XX/XX/21 but no loan officer communicated this until 10 business days later, which was also 2 business days before the closing date. The problem could have been resolved by simple communication which they absolutely failed to do. Knowing underwriting requires 3 business days before close, the home seller backed out of the contract. 

Wells Fargo then claimed no fault resulting in my loss of out of pocket expenses in the amount of {$1300.00}. This obviously doesn't account for my time, change in market value, and walk-in equity as the home appraised $ XXXX over sell price. 

Due to daily changes in the area housing market, no other comparable home has been found which does not sell for at least $ XXXX over our contract sell price for the home we lost.
Consumer complaint received 2017-08-17
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. (NC)

The mortgage in question was part of a divorce settlement. Which the home was guarantor to my x-wife XXXX XXXX XXXX in the year of 2002. Since, I have spoken with XXXX XXXX about the responsibility of this mortgage no longer being my debit. I have presented my legal documentation from the divorce decree and to no avail this mortgage is still showing on my credit report. This has cause major issues for me whenever I am faced with trying to make major purchases. However ; when it is being reported to all credit bureaus it appears that, I am still held responsible. My name no longer appears on the mortgage, but it still is affecting my credit reporting. The credit reports are showing conflicting reporting. One report shows the account as a open ... .another reports the account as being closed.
Consumer complaint received 2021-11-25
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 am XXXX XXXX and I am submitting this complaint myself. These items are reporting late, yet it is closed and the balance is zero as reported in Equifax. Lets correct this immediately. Equifax is required to verify for themselves, but they failed to neither verify nor update me about this complaint. 

( XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX )
Consumer complaint received 2019-05-22
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Capio Partners, LLC (AL)

I attempted to have a XXXX  removed from my right eye. Dr XXXX XXXX made a mistake during the XXXX and several pieces of the XXXX XXXX XXXX and migrated to the back of my XXXX. As a direct result of his error, I needed a second XXXX, by Dr XXXX XXXX ( a XXXX XXXX ). The end result is that I am Legally XXXX in my right eye ( 20/450 ). I paid Dr XXXX But I did NOT pay all of Dr XXXXHospital bills. 
Because I would have never NEEDED the 2nd XXXX if Dr XXXX did his job correctly. 
I do not see the logic of paying for who caused me to be XXXX. Would you? 
The bill was something like $ XXXX and change.... 

XXXX I chose not to sue Dr XXXX because I am not the litigious type of person. 
Apparently they do NOT feel the same way....
Consumer complaint received 2019-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EdFinancial Services (MD)

Account showing a 90 day late payment. Account was never 90 days late. It was always in deferrment. Even payment history shows account was current month before, then all of a sudden 90 day late payment. This is inaccurate reporting and needs to be removed immediately from all credit bureaus. See attachment from XXXX credit report.
Consumer complaint received 2019-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OH)

this account was opened XX/XX/XXXX the last payment was made XX/XX/XXXX account shows closed XXXX bad debt ) XX/XX/XXXX. the amount owed is XXXX this company " XXXX XXXX '' continues to report the wrong debt amount increasing this amount by XXXX every month it is now being reported as XXXX.I have tried to reach out with an affordable payment arrangement in the past, the representative from this company was at the time very condescending, rude and unwilling to work with me. I made an offer of payment and was told that the amount would not even cover the interest accumulating on this account and would do me no good to pay the offered amount.it is to my understanding that reporting anything other than the actual debt is unlawful, and goes against the fair reporting in my state of Ohio. I demand that this reporting stops upon receipt of this complaint. and all credit reporting agencies cease reporting this on my name.
Consumer complaint received 2019-05-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TaxServ, LLC (WV)

I received a bill yesterday through mail from TaxServ Capital Services, LLC with an amount of XXXX   that I didn't know about. My ex-husband kept all the cars and I know he declare himself on bankruptcy right afte our divorce. But I can not believe all this money owed for a car he kept. I came to Virginia with no car, The XXXX XXXX XXXX here in Virginia gave a car for free back then. I don't know why the XXXX of XXXX XXXX waited 14 years to send me a bill through a collection company. How can you best advice me to do in this case.
Consumer complaint received 2017-08-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY (CA)

Within the company 's " Amex Offers '' XXXX, they list an offer with a headline that reads : " Spend $ 500+, get XXXX Membership Rewards points ''. The listed merchant is amextravel.com, which implies that all purchases made at amextravel.com should be covered. They then allowed me to enroll in the offer without the display of any further terms on their website. Because of this offer, I went on to cancel a flight that I had with a different credit card in order to re-buy the flight with my XXXX XXXX XXXX Card instead. This flight cost {$620.00}, which is above the limit required for the offer. After not receiving the XXXX bonus points, I went back to the offer and noticed there were very materially important terms left out of the headline. Specifically, I had to spend the {$500.00} on hotels at amextravel.com. This was never made clear to me before enrolling in the offer and canceling my flight with another card in order to earn the reward. This seems entirely misleading to me. There was no way for me to know that this would only work on hotels when I enrolled in the offer, and it forced me to make a significant financial decision because of it.
Consumer complaint received 2021-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (UT)

Citi Card is reporting an account on my credit that is not mine. I recently checked my credit file and noticed that this account was reporting on there. I have been disputing this account with the bureaus and they keep verifying it? It says I am an authorized user but I never signed any paperwork or gave Citi Card permission to report on my credit. This account is not mine and I need to be removed as an authorized user.
Consumer complaint received 2019-08-16
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Lenmo Inc (AL)

Hello my name is XXXX XXXX and I'm having an issue with a peer to peer lending company lenmo, my application was denied from the company which is not a big issue. My problem is that they don't want to release the reason why they denied me the loan. They said because of verification and I was asking what verification they had a problem with. They said for my security they can tell me the reason why, I know by law they have to give me the reason why they denied me, I gave this company my social security number and info and they can give me a reason. I know with any loan company they will send you a letter saying the reason. This lenmo company did not send nothing. No letter or email. I had to reach out to them on this issue. Please help me to get the answers I need.
Consumer complaint received 2019-11-04
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: Capital Accounts, LLC (FL)

This company is reporting erroneous information on my credit report and negatively affecting my credit score. The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my civil rights according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION.