davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Thaxton Investment Corporation (SC)

I called finance company about getting the account out of charge off status and asked about making payments on the account. I made a payment in XXXX and XXXX. Today, I received an alert from XXXX saying that the balance of the account has increased and my credit score has also decreased. Im not sure why my balance would increase if I am making payments. The balance hasnt changed in the past when I wasnt making payments so why would it be increasing now.
Consumer complaint received 2024-09-10
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (TN)

Someone has stolen my identity and was able to open an account in my name and I only found out through my credit monitoring service. When I tried to call I was given limited information but was advised account was closed and a couple months later was notified that someone is still trying to use my information to open another account. 

They closed my previous complaint case and lied and said they could not reach me but I have been trying to call back for the last week and did not get a call back from XXXX. I left her two voicemails with my hours to be contacted and she never called or responded to my voicemail and she does not answer when I call. This is a lying and fraudulent company and I need to be compensated. I told her that I did not feel comfortable leaving my social on her voicemail to access the unauthorized account that was created at this bank. Someone has stolen my information and has tried to get a Chase bank account twice in my name without my consent. I have a credit monitoring service that has captured this fraudulent activity twice. I do not have account info because I did not enroll in any service with Chase, so you will need to use my social security number because the address does not match my address either which should tell you the account was opened fraudulently.
Consumer complaint received 2024-09-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (OH)

I had 2 direct consolidated loans. Both of these loans are part of sweet v cardona. EDFinancial removed one of these loans. According to them they can not see this loan they have no information on it. Because of this they can not give me the refund owed on it. I dont know why they removed it. I dont know who told them to cancel it. But I am owed around a $ XXXX refund on this loan
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: United Shore Financial Services, LLC (CA)

For few months now I have reached out to the bureaus and to the mortgage company for the one time 30 day late on my closed mortgage account, the company has responded but it feels like its general standard letter they send to anybody who has any questions or concerns. I was under XXXX XXXX XXXX in the hospital, that is why my payment didn't go through by the time I realized it it was too late. I have zero debt, I have never had any late payments on any of my mortgage accounts you can see that on my credit report. I kindly ask you to remove the 1 time 30 day late from XXXX of 2022. Please as a good faith, as one time curtesy please remove the one time 30 day late, again this would have never happened if I was not in a comma. Thank you
Consumer complaint received 2024-09-10
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WorldRemit Corp. (CO)

WORLDREMIT, is a company where I transfer my money to my daughters in XXXX, on XX/XX/XXXX I sent XXXX dollars in two transactions that the app show as delayed and that same week they delayed 3 more transactions and end up canceling. I requested the cancellation of my transaction and as of now I do not have my money back, I calle 4 times already even talk to a manager and they keep telling g me that the communication with their local partner is through email and that they do not have any answer as of now. And the still have my money I do not have my mi ey back they are stealing my money and I feel that there is nothing that I can do, someone need to stop this company from stealing money like that
Consumer complaint received 2024-09-03
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: SANTANDER HOLDINGS USA, INC. (FL)

NOTICE TO CEASE AND DESIST ALL COLLECTION ACTIVITIES! NOTICE OF REJECTION, REVOCATION AND TERMINATION OF ANY ASSUMPTION OF CONTRACT! NO CONTRACT AND NO CONSIDERATION! 
NOTICE TO AGENT IS NOTICE TO PRINCIPAL ; NOTICE TO PRINCIPAL IS NOTICE TO AGENT This letter shall be considered lawful notice that I hereby REJECT, REVOKE and TERMINATE of all security interest to you. Please consider the said contract paid in full and immediately release any and all encumbrances on account # XXXX. 

All prior Powers of Attorney, all other prior presumed or granted Executorships, Trust and Agency relationships are terminated! 


XXXX Civil liability. Civil liability for willful noncompliance. 15 U.S.C. 1681o - U.S. Code - Unannotated Title 15. Commerce and Trade 1681o. Civil liability for negligent noncompliance. 15 U.S. Code 1640 - Civil liability with respect to any failure to make disclosures. 15 U.S.C. 1611 - Criminal liability for willful and knowing violation. 

Any refutation of the aforementioned and/or the following issues must be done so, o and for the public record, in writing, by way of a sworn Affidavit, signed in their full XXXX name under penalties of the Law, including but not limited to perjury.

I request that you immediately CEASE and DESIST all actions with me. With this notice, under the law, you can now only contact me to : 1. To advise me that your company 's further efforts are being terminated ; 2. To notify me of remedies.
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
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. 

Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account XXXX : XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 2024-09-05
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Tesani Management Inc (UT)

I had taken a loan out of XXXX. This was advertised as an installment loan. They required XXXX in payment every two weeks. This did get to be to much every month. They sent it to a collection agency and did not include payments that had been made setting it back to the original amount with interest of XXXX. A garnishment order was placed for this amount. I did pay XXXX directly to Lift and they did not provide that when they sent it off to be collected on. A garnishment has come through for the XXXX. I requested a court date which was approved by the judge based on the amount being incorrect. I reached out to Lift to see if they could get me a breakdown of what was paid and how it was applied to my loan. They are unwilling to do this.
Consumer complaint received 2024-08-30
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (TN)

On or about XX/XX/XXXX, I sent in a request to have my Private Student Loans service by AES to be XXXX due to school misconduct perpetrated by XXXX University while I was in attendance XXXX AES is providing the application to students for this purpose. However, I received an e-mail from AES will not honor my request because quote, " We are unable to approve your request for loan forgiveness for your loan taken out with XXXX Bank to attend XXXX University. The XXXX XXXX does not apply to your loan because XXXX Bank did not have any relationship with XXXX University. ". Every private loan given to all the schools that were found to have defrauded students should be given the same consideration as the XXXX XXXX to Repayment on Federal student loans, like the one I received against XXXX University in XXXX of XXXX. I also received a full discharge of all private loans I had outstanding with XXXX XXXX of XXXX. The XXXX on XXXX XXXX XXXX is advising all students who have been denied a private loan discharge when a school defrauded them- and have had Federal Loans XXXX for school misconduct, actively pursue a discharge from all private lenders. All denials are being reported to XXXX for review. My original loan amount was taken out in XXXX the very year XXXX University began its campaign to actively misrepresent its graduation rates, higher than usual employment rates after graduation, and its job placement rates within 6 months of graduation. All false statements to entice and keep students enrolled. Every student who was defrauded by all non-profit schools deserves to have their life given back to them and not be held XXXX any longer by loans given to these schools. Holder Rule or not, we must be able to have the right to have these loans XXXX when the evidence is unsurmountable against the school that defrauded students. This kind of unjustness must stop in regard to these scam schools and the loans associated with them. At XXXX XXXX XXXX now, I need to be able to save for retirement and not be burdened with a loan to a school that scammed me into enrolling and staying in enrolled. Attendance to this school has not helped me but hurt me. It is not right to be paying on a product until I am XXXX XXXX XXXX that was defective.
Consumer complaint received 2024-08-29
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

On XXXX XXXX XXXX XXXXXX/XX/year>, I received my monthly statement from KOHL 'S, which I reviewed for the first time. Typically, I make my monthly payments through my bank 's online services. Upon examining my KOHL 'S statement, I discovered that I had been charged a PROTECTED BALANCE interest rate of XXXX  % XXXX, amounting to {$25.00} for this month. I suspect that these charges have been applied for an extended period. Consequently, I contacted customer service on the same day at XXXX XXXX XXXX. During my conversation with XXXX, he initially appeared unfamiliar with the PROTECTED BALANCE interest and repeatedly asked me to clarify which line in the statement I was referencing, requiring me to explain myself approximately XXXX times. Ultimately, he informed me that he could not assist with the PROTECTED BALANCE interest charges and suggested that I should have paid the full balance indicated on the statement to avoid such fees. I am seeking a credit for all the PROTECTED BALANCE interest charges that KOHL 'S has imposed on me over the years. 

Credit card companies can not charge interest or fees on protected balances. A protected balance is the amount owed on a credit card account that is not subject to interest rate increases or fees. This includes any charges incurred before or within XXXX days after the card issuer sends notice of an increase
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (VA)

I called Equifax XX/XX/XXXX because I could not get into my account to unfreeze my credit. After waiting on line for almost an hour, I finally made contact with a live person. She took my information, etc. and said she had taken the freeze off. She didn't know why I couldn't access my account to do it myself. 

Today, XX/XX/XXXX, I found out the freeze had NOT been taken off. I still can not access my account. I have been on hold off and on since XXXX XXXX It is now XXXX XXXX 

This is a terrible company. This problem may cause me to lose my opportunity at a new townhouse.
Consumer complaint received 2024-06-27
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. (FL)

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. 

Account Name : Chapter XXXX Bankruptcy Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX and list of Inquiries. 

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 2024-09-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO Bank, N.A. (NJ)

My mother was diagnosed with XXXX XXXX  months ago and was working up until XX/XX/XXXX and had paychecks from XXXX and XX/XX/XXXX that she never cashed or deposited. She's going into assisted living and asked me to deposit XXXX check, which was endorsed to me, into my account which I did on XX/XX/XXXX. The check is STILL on hold with BMO bank routing number XXXX, they advised I would need to complete an affidavit of endorsement with notary which I have no problem doing however I am no where near a branch and have requested the form XXXX times by email ( since XXXX  XXXX ) And I have still not received it. They are treating me like a criminal and are doing everything possible to make this difficult for me When I am dealing with the worst situation in my life right now with my mother. They have hung up on me twice and told me that once the affidavit is returned, it will take XXXX  days for them to investigate which I can't understand because the check has not been returned. There were no flags issued by the bank. The check was drawn on. There should be no reason for this. I need this money to pay my mother 's bills which have not been paid in XXXX months due to her recently diagnosed condition. I don't know where else to turn. I can't deal with this Bank anymore. They are making my life so much harder than it has to be right now. Please help.
Consumer complaint received 2019-07-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: JPMORGAN CHASE & CO. (CA)

Hi CFPB, In XXXX of XXXX, I applied for a loan from Chase Auto Finance to buy a car that I had previously leased at the end of the term of the lease. I agreed to pay {$12000.00} for the value of the car and asked for Chase Auto Finance to handle the title on the car. They charged me {$1100.00} for the sales tax on the car and a {$15.00} fee for the Certificate of Title. I wrapped this amount into the loan balance at 5.19 % for a total of {$14000.00}. 

On XX/XX/XXXX, I received an envelope with the unfiled title paperwork from Chase Auto Finance. Evidently, they were unable to title the car, and I was forced to handle that myself. However, this envelope didn't include a check for the sales tax, which was part of the balance of my loan. Sitting in the DMV is always no fun, but without the check for the sales tax, I paid the sales tax out of pocket, {$1100.00}, on XX/XX/XXXX. The way that I see it, they loaned me this money for the sales tax, but they never actually gave it to me ( or to the State of California on my behalf ). 

On XX/XX/XXXX, I called Chase Auto Finance for a refund of the tax, service fee, and refund of the interest on the portion of the additional principal due to the sales tax. It's been a month, and I have still not received more than an auto-generated reply from Chase. I certainly haven't received the refund of the money I paid them : Certificate of Title Fee ( {$15.00} ), Estimated Sales Tax ( {$1100.00} ), and 9 months interest on {$1100.00} at 5.19 % APR. 

I'm still paying on my loan, which I have never missed a payment on. That said {$1200.00} is not a small amount of money to me. I don't particularly want to pay back this money when it was never loaned to me in the first place ... and then there's interest .... I'm providing documentation, all of which I have also sent to Chase. I have the original loan paperwork with the sales tax itemized, the cover letter from Chase saying explicitly that no check was included with the title information, and my receipt from the DMV. I'm sure you guys deal which much bigger problems than mine, but I hope you would do something on my behalf. 

Very best, XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, CA XXXX
Consumer complaint received 2024-08-23
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ProCollect, Inc. (AL)

ProCollect, LLC is in violation of 15 usc 1692g due to there is no agreement between myself and them. I did not grant written permission for my information to be trafficked illegally to this 3rd party collection agency and I have no knowledge of who they are. They illegally purchased my information from a former landlord from an apartment complex which has shown that I do not owe anything. And the debt was never validated prior to the 3rd party collection agency putting it on my credit report. This is identify theft and trafficking which has caused me harm concerning my credit worthiness and FICO scores have dropped tremendiously due to this infraction. I was just denied housing, and a business loan. I request that ProCollect validate the debt with the original agreement with with wet ink signature between me and them, debt removed from all credit reporting agencies, and compensate me for my compensatory damages per violation which serves as a penalty for ProCollect 's negligence which is a violation of policy.
Consumer complaint received 2024-08-22
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: WELLS FARGO & COMPANY (CA)

XXXX. I went to use my Wells Fargo XXXX XXXX last month, it was declined. No informaton on my bilt account, on my wells Fargo account it said it was temporarily locked, and to call Wells Fargo 's general number XXXX. I was then bounced from represaentetive to representetive, calling more than XXXX names without answer XXXX. I was finally told Wells Fargo was sending me a letter, which hadn't arrived yet ( but they had already locked my account ) XXXX. I never received said letter, despite verifying my address repeatdly, others online have reported the exact same experience XXXX. Finally, a Wells Fargo rep removed the block after verifying my transactions, after I had called more than XXXX times, and I used the card XXXX. In XX/XX/year>, the same thing repeated, with my account mysteriously blocked, me calling more than XXXX times etc. 
XXXX. Communication has been repeatedly highly misleading and contradictory, often transferring me to XXXX, who says they have nothing they can do, then calling Wells again from the main number and waiting on hold XXXX. XXXX refused to accept any documents via email, after I offered to verify identity, income etc. and has insisted they can not do anything till I receive this letter, but other customers have also not received letters XXXX. Wells Fargo refused to cover the fee for using a different card to pay rent, despite them being the ones charging the fee and my inability to use the card this month being due to a hold placed for no stated reason XXXX. As of now, I have called several times a day for hours a day for the past several days without resolution. 
XXXX. I have repeatedly verified my identity, hold a Wells Fargo bank account in good standing, have not changed jobs, and Wells Fargo has stated XXXX justification for locking my account.
Consumer complaint received 2024-08-13
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

While I was traveling abroad my information was compromised. Multiple accounts were opened and I couldn't access any of my credit monitoring apps due to that being compromised too. The scammer was using my card and then paying the balance off with stolen bank account information.
Consumer complaint received 2019-10-13
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (OH)

I have filed numerous complaints with Navient, my lender on behalf of the loan service practices. in XXXX of 2011 my loan originated at {$10000.00}. 
I have paid over {$18000.00} and my Private loan is STILL at {$9800.00}. I contacted the Ombudsman office and received a letter Case # XXXX from the Navient office of the Consumer Advocates XX/XX/XXXX Stating that my Borrower defense to Loan repayment loan I have been filing for Discharge because the school was shut down has been put on administrative forbearance until XXXX for my Federal loan. I spoke with XXXX XXXX on XXXX about my Private loan which is apparently accruing {$3.00} /per day interest. As she repeatedly said " The documents you signed '' through Sallie mae / now Navient with a 11.25 % rate Variable of course is the reason of the loan not getting paid off. I am 100 % sure this is why Sallie Mae was shut down. XXXX stated I can get a loan with an outside company to pay this off and pay on that I start all over again I know this is preditory lending and I NEED HELP