davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (SC)

On XX/XX/2023 I mailed an endorsed bill, Power of attorney, Federal reserve act 16, and instructionals ( claim of credits ) indicating to apply the principals balance to the principal 's account for each and every billing cycle for set-off. I also instructed the CFO XXXX XXXX to communicate in writing within 5 business days once instructions are completed. If instructions are not completed, I instructed the CFO XXXX XXXX to respond in writing within 5 business days giving a reason for non-performance of fiduciary duties. If no communication is made within 5 business days I can assume that instructions have been completed.Not letting me access my equity/interest which is an indication of violation of securities, breach of contract, and security fraud. They received letter on XX/XX/2023. ( tracking # XXXX ) Never got any response. On XX/XX/2023 I mailed another endorsed bill, federal reserve act 16,29 ( Civil Money Penalty ) and instructionals ( opportunity to cure ) stating the same thing as the first packet that I mailed. They received on XX/XX/2023. ( tracking # XXXX ) Still got no response on the issue or that it has been complete. On XX/XX/2023 I mailed another endorsed bill, Federal reserve act 16, 29, and the same instructionals as above. ( Notice of Default ) They received a packet on XX/XX/2023. ( tracking # XXXX ) Still no response and still account is not credit as instructed.
Consumer complaint received 2018-12-14
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. (CA)

I recently had a dispute with Equifax when they would not take a collection off of my credit report. Well, when I paid for an Equifax credit report and an XXXX  report I was shocked at what I saw. While Equifax claims a XXXX ( Good credit score ) and they say XXXX  has a XXXX ( fair ) and XXXX XXXX XXXX ( fair ) credit score. 
Now I also paid for an XXXX  credit report and it states XXXX with a XXXX credit score ( good ) XXXX XXXX XXXX ( Good ) and XXXX at XXXX ( fair ) XXXX has a collection acct, but they say it's closed, but yet it is still on my credit report. The other companies have deleted the neg. acct. How can a closed acct still appear and is judged against me in getting credit? 
It would appear to me that these companies are manipulating credit scores and other accts on their reports to enhance their reports when people pay for the results. I can see when you pay for the report the results are very different than say XXXX XXXX. Why are these companies allowed to manipulate your report for their own self-serving needs? Information is being formulated to and displayed so you pay for their services. 
These companies should not be allowed to unfairly input or delay information that is on your report. People depend on these reports to get loans, credit etc. You have no control over what is on your report, they have the control which can make or break your loan and other things I think it is not fair nor should it be legal. These companies are the basis for what your credit rating is. If they decide to make it bad that is totally in their control.
Consumer complaint received 2023-08-01
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: Experian Information Solutions Inc. (PA)

I have complained of a fraudulent collection attempt by " XXXX XXXXXXXX XXXX '' for made up, fraudulent charges against my account. I sent proof documents to Experian via Certified mail, which verify these to be bogus charges. Yet, Experian continues to not delete the phony charges. 

Other credit companies like XXXX and XXXX have acknowledged the fraudulent collection attempts, and my credit scores are up to XXXX XXXX higher.

Further, Experian will not allow me to place a letter of explanation into my account for others to see. When I try, it kicks it out as " already disputed ''. 

Experian is extremely difficult to contact, as they do not answer phone calls or allow online explanations to be placed. 

Further, I received notice from my ex employer that my account has been hacked through Experian. They are far less than helpful with this matter.
Consumer complaint received 2023-08-01
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. (NJ)

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.

The letters are stated with items and issues.

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 2018-12-14
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Certegy Holdings, LLC (TN)

XXXX XXXX, XXXX, XXXX ( XXXX XXXX ) uses Certegy Check Services to collect on checks that are returned for insufficient funds. XXXX was taken a cashier check in the amount of {$2500.00} for ck # XXXX dated XX/XX/2018, XXXX XXXX that was returned. I was asked informed by the XXXX employee the check would be shredded, Certegy Check Service presented the check to my bank for payment XXXX and it was paid even though they had a cashier check in their possession. 
I've spoken with Certegy several times. I was told the refund check of {$2500.00} was mailed out XXXX but I have not received the funds. I spoke with XXXX XXXX Dealer Manager with XXXX and he also stated the refund was mailed out. This lack of assistance with this matter is urgent and I feel I'm being misled on purpose. Is this a practice for Certegy and XXXX to not refund Clients funds if so I'm requesting their collection practices be investigated for their collection practice.
Consumer complaint received 2023-08-01
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: Experian Information Solutions Inc. (NY)

In accordance with the Fair Credit Reporting Act XXXX  XXXX with Account # : XXXX has violated my rights. 
XXXX XXXX Account # : XXXX has also violated my rights. 
XXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXX XXXX Account XXXX XXXX XXXXXXXX XXXX  XXXX Account XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX  XXXX Account # : XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX  XXXX Account # : XXXX XXXX XXXX XXXX  Account # : XXXX XXXX XXXX Act. # XXXX XXXX/XXXX Account # : XXXX Inquiry : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXXXXXX XXXX : XXXX XXXX XXXX Inquiry : XXXX XXXX  XXXX. 
Inquiry : XXXX XXXX XXXX Inquiry : XXXX XXXX  Inquiry : XXXX XXXX Inquiry : XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX, XXXX 15 U.S.C 1681 section 602 A. States that have the right to privacy.

15 U.S.C 1681. Section 604 A Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Consumer complaint received 2023-08-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: JPMORGAN CHASE & CO. (NJ)

On XX/XX/2023, I order two items on XXXX, A motor scooter for the amount of {$1000.00} and the protection XXXX for the amount of {$130.00}. 
On XX/XX/2023 I decide to cancel the order, without succeed, therefore I start a dispute thru my bank. My bank credit me the money until the dispute was resolve. 
I got in contact with XXXX and they inform me that I need to close the dispute for them to refund my money, what I did. I never receive any information or state of the dispute, but because I have the money I thou that everything was ok. 
On XX/XX/2023 I saw the withdraw of the {$1000.00} and {$130.00} from my account again, for what I got in contact with my bank, they told me XXXX was having the money, call XXXX and they say they never receive the money, after going back and forth for I don't know how many times and couple a day, the Bank told me that my debit card visa was the one holding the money, that they will release from XXXX to 45 days, they give me XXXX numbers to give to XXXX so they can ask for the payment, when I told them that XXXX already send me the confirmation of the dispute on my favor. Why they want to keep my money
Consumer complaint received 2018-12-31
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: Penn Credit Corporation (NV)

Both the credit bureau and the furnisher of information are legally obligated to investigate your dispute. FDCPA PENN CREDIT Reported on XX/XX/XXXX Original Creditor Name XXXX PP L {$1700.00} XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX XXXX   Result : Verified As Accurate and Updated - It looks like this item is actually correct and that it's going to stay on your credit report, but info has been updated to reflect recent activity. 
Dispute Reason Ownership : I have no knowledge of this account. 
Dispute Results From XXXX : XXXX received your request on XX/XX/XXXX and completed their investigation on XX/XX/XXXX. Please review the results carefully. 
If you're not satisfied with these results you can go to XXXX 's site and submit a Request for Investigation. You'll be able to attach supporting documents to your dispute and ask XXXX to add an explanatory statement to your credit report. 
When contacting XXXX, provide your current file number : XXXX. Mail : XXXX  XXXXXXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX Phone : XXXX
Consumer complaint received 2023-08-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLIANT CREDIT UNION (WA)

Since XX/XX/2022 we have been paying on a loan for a XXXX XXXX  trailer. Most of the payments are being applied to the interest and not the principal. I have submitted extra payment to get the principal down to reduce the amount of interest, but even that has been going toward the interest and not the principal. In XXXX month, none of the payment went to the principal, it went entirely to interest. 

Granted I agreed to a higher interest rate pending a refinance, but I figured that the interest rate would be ok but not this bad, especially with overpayments not being applied to the principal. 

Since we started the loan, XXXX opened on XXXX the current balance is XXXX so only XXXX has gone toward the principal, and over XXXX has gone toward the interest. So, they are getting their total interest on the loan upfront instead of a daily balance or other computing method. 

I believe that the action of Alliant Credit Union is hurting consumers and placing an undue burden on consumers by this type of accounting and I have never seen any financial group not apply overpayment to principal balances. 

I have sent a request to apply my over payments to the principal and notified them that all previous payments are in question and that I want a review of my account. I also believe that this type of action should be looked at to protect consumers from these types of financial groups that think they should be taking advantage of consumers in this way. I am looking at refinancing this loan as well because of the actions of XXXX and no longer wish to be associated with this company.
Consumer complaint received 2023-08-01
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: JPMORGAN CHASE & CO. (NJ)

I have a credit card with chase. Chase put out an offer/advertisement to borrow against your credit card at more than 50 % lower than the rate on credit card. This was very attractive so I took it to take advantage of the lower rate. It turns out that this was not actually a good deal as this can mislead many vulnerable consumers who are looking to lower there rate hence lower their aggregate expenses, get more into financial trouble waters. 

As soon as I realized this, I called chase back to express my concern and requested the loan be cancelled. Chase representative told me they can not reverse the loan since it has been submitted. I was advised that the only thing I can do is to pay the money back once it is cleared, so agreed. As soon as the money get cleared I pay back the entire money. To my surprised when I view my statement I discovered the minimum was based on the loan already paid off. Now they are charging me interest on the loan paid off and balance on the credit card. 

When I called them again, the representative told me I still have some balance on the loan.
Consumer complaint received 2023-08-01
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: Experian Information Solutions Inc. (NC)

In accordance with the FCA Fair Credit Reporting Act XXXX XXXX  ( XX/XX/2023 ), XXXXXXXX XXXX ( XX/XX/2023 ), XXXX ( XXXX ), has violated my rights. 
15 U.S.C 1681 section 602 states I have the right to

privacy. 15 U.S.C 1681 section 604A section 2 also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-08-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (WA)

As of XX/XX/XXXX, my student loans were completely paid off. During XX/XX/XXXX I was experiencing financial struggles so I decided to request a refund for all the payments I made on my student loan after XXXX a total of {$3100.00}. Upon this request that I made over the phone they told me since I've made all my payments through direct deposit I would get a refund within 3-5 business days to the same bank account. 5 months later XX/XX/XXXX I have not received a direct deposit nor a check in the mail. I have not been contacted by Ed Financials about this issue. I've called many times to resolve this situation. Three months ago I request that they cancel this refund, at this point, I no longer need this money. Since the first day of my request, a balance of {$3100.00} has been shown in my account. Student repayment begins in XXXX and if this issue is not resolved by then I am focused to pay new interest on my balance. This situation is very frustrating because this loan provider never gave me any documentation about this transaction, no confirmation, and no detail on the timeline. I'm left with a lot of unanswered questions and a new debt to clear without warning. If I had known that there would be possibly any issues with requesting my refund I would have never made the request.
Consumer complaint received 2023-08-01
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P. (FL)

I mailed my cease and desist letter to the collection agency who is responsible for this debt. I was very clear that they should cease and desist all communications with me in regards to this debt. My USPS certified tracking number is XXXX in which was delivered and signed for on XX/XX/2023. But even though they received my letter and signed for it. They still have been trying to contact me through my consumer report as well as continuing to send me letters in the mail about this debt. 
Under section 805 ( c ) of the FDCPA states that if a consumer notifies a debt collector in writing that they wish the debt collector to cease further communication with them. The debt collector must not communicate further with that consumer.

So why are they still trying to communicate to me through my consumer reports about this debt that I already written to them to cease all collection and communication with me.

As well as section 807 ( 4 ) which prohibits a debt collector from continuing to communicate with the consumer, except to notify the consumer that the debt collector further attempts are being terminated.
Consumer complaint received 2023-08-01
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)

I told Equifax to reinvestigate the accounts related to XXXX XXXX XXXX ( previously held by XXXX XXXX XXXX  XXXX ). However, they stated that everything was complete and accurate but how is that possible if the open date, date of last activity, and much more is incorrect. According to 15 U.S.C. 1681 ( 5 ) they are supposed to modify accounts that aren't reporting correctly. 

Also refer to : 15 U.S.C. 1681 section 602 a 15 U.S.C.1681 section 604 A Section 2 15 U.S.C. 1681c. ( a ) ( 5 ) 15 U.S.C. 1681s-2 ( A ) ( 1 ) Also they aren't. even compliant with metro 2 credit reporting.
Consumer complaint received 2023-08-01
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

I submitted a hardship application in XXXX. No one reached out and I called back in early XXXX and found out that the app wasnt completed to their standards. I resubmitted the app but received another letter on XX/XX/XXXX requesting that I send in an application, as if they never received the one that was sent on XX/XX/XXXX. This company is giving me the runaround and I intend to sue at this point.
Consumer complaint received 2018-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I was approved in XX/XX/XXXX for a personal loan at XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX. This was a credit builder loan to establish current credit line to increase credit score.  XXXX XXXX states they report monthly to credit bureaus for this purpose. Payments were for 6 months, I have all receipts. Last payment XX/XX/XXXX. Around XX/XX/XXXX, my credit reports did not show current payments. At XXXX XXXX office, I spoke to XXXX. She told me they were having problems with their 'reporting system. ' I asked her to reach out directly to credit bureaus to fix this. XX/XX/XXXX, I got stamped paid in full document for this loan. 7 months later in XX/XX/XXXX, my credit reports showed {$90.00} balance past due to XXXX XXXX. I was given XXXX XXXX corporate number, called and reported this problem. I contacted credit bureaus. XXXX XXXX DELETED my account! Their contract states they will do monthly payment reporting..and they did not honor their end of the contract! They took all my money plus interest and did not provide services as stated. The also did a random credit inquiry which lowered my credit score from XXXX to XXXX. 2 years later, still no resolution.
Consumer complaint received 2018-12-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (GA)

In XX/XX/2018, I applied for a Total and Permanent Discharge due to being XXXX  XXXX. I returned my completed form and Nelnet ( the Federal Student Loan Servicer ) wrote me on XX/XX/2018 to inform me that my physician did not complete Question # 4 on the XXXX form. My physician completed Question # 4 and signed the form as requested on XX/XX/2018. On XX/XX/2018, I emailed the form back to Nelnet. Around XX/XX/2018, I received another written letter from Nelnet informing me that it had not received the updated information from my physician, which is untrue. I called Nelnet on or around XX/XX/2018 and spoke to a female representative who confirmed that my completed and updated form had been received but could not tell me the status of my account. I asked for my call to be escalated to a supervisor and spoke with XXXX. He informed me that all required information had been submitted and that he would escalated my case for a decision and call me back on Friday on XX/XX/2018. I never heard from XXXX. It is impossible to reach anyone at Nelnet who can give me an honest and reliable answer as to the status of my account. No one is able to explain why Nelnet keeps asking for information that it already has and why there has been a delay in processing my paperwork for the Student Loan Discharge to which I am eligible due to XXXX  XXXX.