davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-06-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

It seems that I am going to need to speak with an attorney in regards to the fact that XXXX XXXX and Equifax will not remove this account that is fraudulently on my credit file. I 've already make 2 complaints with your organization and nothing is being done to assist me. Here is my 4th letter to Equifax and the office of the attorney general : This letter is being sent to both parties : the office of the Attorney General as well as Equifax Information Services. This is now my 4th letter in regards to accounts resulting from identity theft reporting on my credit file and although XXXX of the accounts has been removed, this XXXX XXXX XXXX account # XXXX remains. I still have not heard back from the AG 's office and I continue to receive letters from Equifax stating that this information has been verified. 
I will make this very clear : # 1 I did NOT apply for, open, obtain, maintain, make payments on an account with XXXX XXXX XXXX # 2 I am a victim of ID theft # 3 I do not have a vehicle with this company # 4 My name is NOT XXXX XXXX. My name is : XXXX XXXX XXXX XXXX and that is how all of my debit and credit cards state # 5 XXXX XXXX states that the person making payments has the name of XXXX XXXX listed on the payment card and there are XXXX people with the same name - it was NOT ME # 6 I already stated that I do n't care if this vehicle, that I do n't have, is repossessed, if an APB is placed on this vehicle : I do n't have it, I never had it, I did n't apply for it, I have n't been making payments on it and the person who obtained this loan had my identification and other documents. 
# 7 I requested the documentation verifying this account as mine and I received nothing - in XXXX V XXXX, 1997, it states that if XXXX had acquired the actual documentation for the account and had done a handwriting analysis that they would have known that the consumer did not open the account. Congress also rejected what TransUnion stated when they said that the burden lies on the consumer to deal with the issue. 

This is not my job - this is YOUR job and you 're doing nothing to assist me! This is why the FCRA was enacted in the first place - because of the ABUSE by the CRA 's! 

Please block these within 4 business days under FCRA 605B and provide a full investigation : XXXX XXXX XXXX XXXX - I did not open this account ; block this pursuant to section 605B within 4 business days - I already told you that my car was broken into and that someone opened this using my information
Consumer complaint received 2024-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (LA)

Subject : Request for Immediate Correction of Inaccurate Late Payment Reporting Dear Wells Fargo Auto Loan Department, I am writing to formally dispute the inaccurate reporting of late payments on my auto loan account. All payments have been made on time, yet my credit report reflects negative marks, which is both incorrect and damaging to my creditworthiness. 

Additionally, I received notice that your system experienced errors, which may have prevented my timely payments from being properly applied. Given this information, I request that you provide concrete proof of any alleged late payments and confirm that this discrepancy is not due to a system error on your part. 

I demand an immediate investigation into this matter and a correction of my payment history to reflect a current and accurate status. Please notify me promptly when this issue has been resolved. 

Thank you for your prompt attention to this matter. 
ALL OF MY XXXX payments were received on time!! Update this immediately
Consumer complaint received 2016-06-30
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (TX)

American Education Services ( AES ) is reporting inaccurate derogatory information on my credit reports. AES is reporting that I was late on my student loan from XX/XX/2013 to XX/XX/2013. This is inaccurate because my loan was in a forbearance period during that time. I respectfully request that AES remove this inaccurate derogatory information from my credit reports.
Consumer complaint received 2016-06-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (NY)

XX/XX/XXXX I appeared in cattaraugus Supreme Court. Honorable XXXX XXXX the judge hearing Chase bank foreclosure case against me. I have written several complaints to CFPB. One fact regarding a lawsuit that Federal Trade Commision filed against the bank which ended up in a settlement in XX/XX/XXXX. Which states the bank can not start a foreclosure unless all disputes have been taken care of. Chase bank had refused to follow the FTC settlement and started foreclosure any way. Chase has tried to push foreclosure through without resolving any of the disputes in my mortgage. Even my complaints there response has been that of taking no responsibility for problems that have cost me great deal of money. XX/XX/XXXX Chase told XXXX XXXX that they were working on a payment plan with me, and Chase wanted a three month postponement. I tried to tell the judge that it was n't true I had not heard from Chase. XXXX and XXXX Chase attorneys told the judge they would call loss and litigation to find out what 's going on. Court was postponed to XXXX XXXX XXXX. Court was again postponed until XXXX XXXX XXXX. Chase has never contacted me regarding any payment agreement or what they plan to do with my disputes. On XXXX XXXX XXXX. Chase stated they needed another 30 day ajornment. Mean while we have been in modification hearings and foreclosure court for 4 years. Chase has never spoke with me. I am being charged legal fees this whole time and house maintence fees. Chase stated to Judge XXXX the had a complaint they had to deal with. It was the reason they needed another adjournment. Chase has demonstrated tactics to eliminate disputes in mortgage and not resolving anything. Court now is in XXXX XXXX and to this date I have not heard from Chase. But legal fees keep adding up.
Consumer complaint received 2016-06-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Stellar Recovery, Inc. (AR)

After having my credit pulled for a home loan, I was informed of an open collection from stellar recovery inc . 
I have NOT received any communications ( mail, email, phone, etc. ) from stellar recovery inc . This debt has not been validated or verified. I have not received any notice of a right to dispute before they reported to all XXXX major credit bureaus. There is not enough correct info to verify the debt or amount.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: V and H Portfolio (GA)

My wallet was lost XXXX, I filed. police report and notify the credit bureau .There were account added to my credit report that is fraudulent. I immediately notify the credit bureau about this account to get this investigation. These accounts has been investigated multiple times. I am very upset XXXX XXXX I never had a account with this company.
Consumer complaint received 2016-06-29
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: Neon Newco Corporation (GA)

I have a visa debit card with net-spend. On XXXX XXXX, 2016 XXXX fraudulent money transfers was made on my account by an individual I do not know. Net spend would only say the individual name was XXXX XXXX. At XXXX this individual withdrew {$350.00} from my account. I called and reported the fraudulent activity and the representative XXXX, told me that my account would be blocked and I was given a dispute number. One hour later the same individual withdrew more money from my account. Again I called and was given a dispute number and told my account would be blocked. I filed a dispute and sent in all requested documents, including a police report for identity theft. After waiting 10 business days I was informed that there was nothing that they could do because the individual had all my information to transfer my funds. Even after I filed a police report they did nothing to retrieve my funds which had been stolen from my account.
Consumer complaint received 2016-06-29
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (FL)

Equifax through a previous CFPB Complaint No : XXXX. Equifax was to remove and delete an illegal fraudulent account by XXXX XXXX XXXX. Upon completion of the Equifax , CFPB investigation, Equifax deleted the fraudulent account, but later restored the illegal account once the above CFPB account terminated. Equifax has 24 hours to delete permanently any XXXX account as informed in the previous CFPB Case. Now, this new Complaint is on another fraudulent account by XXXX XXXX XXXX XXXX which derived from the previous XXXX Loan account removed temporarily. See attached
Consumer complaint received 2024-11-27
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rausch Sturm LLP (CO)

Debt validation not provided. Copy of statements don't furnish as proof of original certificate of indebtedness. I did not provide any consent for my personal information to be shared with this party XXXX is in violation of privacy act of 1974 also XXXX. This law firm has no NMLS ID to collect in the territory of XXXX  They are not a debt collector they are a private firm intimidating consumers to pay a debt that hasnt been proven. Wet signature and distribution of funds have not been proceed as well as internal records showing ownership of such debt. Securities fraud has been done by XXXX and FTC report has been filed
Consumer complaint received 2017-06-27
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (FL)

When I try to calculate my payment amount, the " formula '' Chase gives me that they use never comes out to the same amount due for my monthly payment. They say the difference is in the rounding and I do n't think that is the complete truth since the difference is usually higher than an amount that a mere hundredth rounding would leave. <P/>I would like to know : 1. Are they allowed to add the late fees amount into the balance that they use to calculate my monthly payment and if so where is that stated? <P/>2. Are they allowed to report to the credit bureau that my account balance due includes their monthly interest payment and their late fees ( accrued after my husband died while I was trying to get financially back on track from loss of income ) instead of the actual principal balance I owe?
Consumer complaint received 2017-06-27
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. (NY)

Several loans which are currently being serviced by XXXX have incorrect loan balances and interest amounts. For example, XXXX loan # XXXX is being calculated based on orig. principal of {$3500.00} and fixed interest of 6.80 %. However, orig. principal amt should be {$1600.00} due to a portion of the loan having been cancelled and never disbursed. Additionally, this loan has a fixed rate of 4.50 %. There are several loans being fraudulently treated this way. XXXX is also reporting a much higher balance due on my loans because of the fraudulent way it is being calculated. I advised them of their mistake on several occasions ( XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ) but they have refused to fix the info on file. They also have not acknowledged payments made on this loan while it was handled by XXXX and XXXX between the years XXXX through XXXX. When XXXX received the loans, they did basically erased all prior payments from the loan history and on their website, and essentially restarted the loan and repayment with the allegedly orig loan amount without including prior payment made by me - they basically inflated the numbers to increase their income.
Consumer complaint received 2017-06-27
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: Experian Information Solutions Inc. (FL)

A {$6000.00} XXXX XXXX account ( XXXX ) from XXXX 2011 keeps on getting reinserted by Experian after it has been confirmed to not be mine and deleted. This account was mistakenly being reported by both Experian and XXXX in the past. After XXXX initiated an investigation a couple of months ago, this account was promptly deleted from my report when it could not be verified as accurate or complete on my credit. This account is not mine and in XX/XX/XXXX, Experian also deleted it from my report. I have a copy of a report which shows how it was not reporting on my credit in XX/XX/XXXX. <P/>Under the FCRA SECTION 611 Part ( A ) ( 5 ) ( B ) ( ii ), Experian can not reinsert a previously deleted account if they do not provide me a notice in writing within 5 business days that it was verified. Why is this account on my credit again if it is not mine and it has already been proven not to be mine? I have addressed Experian multiple times regarding this issue and they are refusing to process my dispute. <P/>If Experian really is now saying it has been verified, I do n't understand how that is even possible. How can XXXX 's and Experian 's investigations yield two different results and outcomes?
Consumer complaint received 2017-06-13
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: JPMORGAN CHASE & CO. (VA)

Mazda Capital Services sends notices to pay personal property taxes on the car after it was returned at lease end. On  XXXX   XXXX ,   XXXX  , a letter claimed it was billed for PP taxes of {$140.00}. But despite a request that it provide a copy of its being billed, it did not do so. My records show that I paid {$290.00} in PP tax to Mazda Capital Services.
Consumer complaint received 2016-10-28
Product: Payday loan — 
Issue: Payment to acct not credited — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (VA)

Lender is not updating my loan status in the Va Data bank to reflect loan was paid - check cleared my bank sent them the receipts every one I speak with gives me a ref number telling me it will be uodated then state I have to wait 10 days and speaking to the Commonwealth of Va number says they just have to update the Va Database would like this resolved asap
Consumer complaint received 2016-10-28
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SUNTRUST BANKS, INC. (FL)

I was in contact with this bank a number of times and sent email messages via online cash manager about fees applied from the bank on this account. My last interaction was with XXXX and XXXX via chat at XX/XX/XXXX about the status of the fees and the account closing. I was told that fees would be applied and that I had until XX/XX/XXXX or 60 days from the account being overdrawn ( this excludes weekends ) to pay my account or wait until the fees were applied. On XX/XX/XXXX I log onto my account and to my shock they closed this account on XX/XX/XXXX. I called their worthless team of reps and even spoke with something that claim they were a supervisor and he stated that you now can close the account when ever. This was great information AFTER THE FACT of being told different. I am very livid with this bank and will file with the attorney general office for damages because can not change any account info due to contracts and sponsorships. I was also told that the mainantance fee would be waived and also one more fee. I am now being told that this is not the case and the account may be closed at any time. What is the point of having a customer service team!? To misinform you and now my account is closed.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HYUNDAI CAPITAL AMERICA (CA)

Vehicle was a total loss and insurance company and Gap insurance paid off what I had seen on XXXX XXXX XXXX  website there was XXXX Dollars due. 
3 months later I got a phone call from lender stating there was still a outstanding balance on loan. 

I told them I have never made a payment late and was not aware of any outstanding due and on the website shows nothing was due. 
I needed a few weeks to come up with the money and was told I would not have a negative remark on my credit report After paying amount in full MY CREDIT REPORT SHOWS CHARGE OFF PAID IN FULL. 

I DISAGREE WITH THAT ON MY CREDIT REPORT I PAID IT IN FULL
Consumer complaint received 2017-06-27
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: FastBucks (NM)

In XX/XX/XXXX a loan for {$900.00} from a payday loan company FastBucks was processed. Around this same time frame I was having issues with Identity thief. I also was separated from my wife and we had not been in communication. I also was not living in the same city where the loan was taken out. On XX/XX/XXXX a claim was filed with the local magistrate court, reference # XXXX. It was not until I applied for a loan in XX/XX/XXXX that I became aware that I had defaulted on this loan. I went to the local Fastbucks office to obtain information on the loan and how I can resolve the issue. Initially they were unable to provide any information on the loan. It took several months and a number of calls on my part before they provided documentation on the loan. I explained to the regional office manager that I was never notified nor had I been issued a summons to appear in court for the XX/XX/XXXX hearing. Because of the Identity thief that was taking place at that same time period I was uncertain that this was even my loan. The local office eventually provided me with documentation showing that I indeed taken a loan out in XX/XX/XXXX. After apologizing for not taking care of this load, I proceeded to offer a settlement on the loan and would be willing to pay the {$900.00} plus reasonable interest on the loan. At that time the regional Fastbucks manager told me that the loan would have to be paid in full {$3100.00} and was unwilling to work out any settlement. I asked if I elevate this to see if I can negotiate a settlement, she advised I contact corporate. I am a XXXX  military veteran and live on a fixed income, I am more than willing to work on a reasonable settlement with this company to resolve this issue when I called on XX/XX/XXXX they informed me that now I owe almost {$4500.00} on {$900.00} loan. I called the corporate office who told me that I need to contact the local office to negotiate a settlement and the local office told me there is nothing they can do I would have to speak with the corporate office. Again I am not unwilling to work something out but what the company is asking can certainly be described as criminal.
Consumer complaint received 2017-06-27
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. (CA)

I noticed some unusually high number credit inquiries on my credit profile on XX/XX/XXXX. I called all 3 credit bureaus ( Experian, XXXX, and XXXX ) to ask for them to be removed from my profile because I did n't apply for credit or loans. I also wanted to add an extended fraud alert. I was given the option to add the fraud alert but any unknown inquiries that I wanted to have removed would have to be done by the lenders directly. This was extremely frustrating to me since I had no clue of where these came from. I then contacted the lenders on XX/XX/XXXX and have noticed no change and contacted the bureaus ( Experian, XXXX, and XXXX ) again on XX/XX/XXXX but to no avail. Also, there are more inquiries as of XX/XX/XXXX on my profile. I will put the extended fraud alert on my account asap.
Consumer complaint received 2024-02-28
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (PA)

On XX/XX/year>, made a purchase through Paypal ( synchrony Bank ) for an XXXX item. 

Purchased additional shipping protection for any damages. 

The item arrived damaged but was accepted. 

I contacted the seller regarding the issue, but there was no resolution. The seller would not honor shipping protection nor rectify the damages. 

Contacted PayPal and opened a claim against the seller. Paypal found in favor of the seller. 
I reopened the claim ( I believe ) 6 times with the same result. 

I am left with a damaged item and no resolution to make it functional.
Consumer complaint received 2016-10-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Servis One, Inc., Titusville, PA Branch (WA)

We were working on a short sale and the lender XXXX service release the loan to BSI. What the investors at BSI is wanting is illegal, and is trying to force the homeowner into a deed in lieu. This is why XXXX XXXX XXXX now has a class action suit against them. Per regulations when a loan is service released with a VALID approval the new servicer is to honor the terms. The short sale was approved on XXXX XXXX, 2016 with a closing date of XXXX XXXX. On XXXX XXXX, the approval was extended good through XXXX XXXX. The loan was transferred to BSI on XXXX XXXX ( per attached letter ). With that said, the approval was indeed valid at the time of the transfer and we would have closed by XXXX XXXX if BSI had promptly honored the terms as they are supposed to. 

BSI has been jerking me around for the past month and a half. I was originally working with an XXXX XXXX and he confirmed that BSI would honor the previous terms of approval and that we could expect an approval letter within in a day or so. Everything seemed fine until one day you were suddenly assigned to a XXXX XXXX and then started stating the investor will not allow a short sale and wants to do a deed in lieu. I will also be contacting BSI upper management/ombudsman to seek resolution on this matter in addition to filing a complaint with the XXXX. 

Thank you Kindly, XXXX XXXX Senior Negotiator Loss Mitigation Group P : XXXX F : XXXX