davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-30
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: JPMORGAN CHASE & CO. (FL)

I sold my XXXX to a car dealership in XXXXXXXX XXXX on XX/XX/year>. 

The dealership paid the remaining balance of the auto loan to Chase Auto Finance on XX/XX/year>. 

I called Chase Auto Finance today, XX/XX/XXXX, to ask why the title has not been released to the XXXX XXXX so that the car dealership can release a check to me for the remaining balance of the car sale amount owed to me. 

Chase Auto Finance said that the dealership did not pay with certified funds so they reserve XXXX business days ( comically counted as Monday-Friday, despite Chase being XXXX for business on XXXX ) to release the XXXX to the XXXX XXXX  XXXX 

I spoke with a supervisor at Chase Auto Finance and explained my frustration that Chase received the funds on XX/XX/year> and the funds have passed a XXXX business day settlement period. The funds are free and clear in Chases account. 

Chase has no valid or reasonable reason ( XXXX ) for wrongfully withholding the electronic lien release at this point. 

Chases actions are actively harming me by preventing my receipt of the balance of my car sale funds.
Consumer complaint received 2024-01-29
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. (PA)

I am a victim of the data breach, which happened through Equifax. I fill my information has been leaked. Im getting all kinds of calls from insurance companies as well as letters from all kinds of loan companies as well. There are items and inquiries on my report that should not be there, and I would like them removed Due to this breach, I will attach the evidence of this data breach below. The engagement number for the file claimed is XXXX. I have tried to contact Equifax fraud department due to this issue they will not allow me to speak to a representative, they keep saying that my information can not be verified when I am giving them all of the correct information so I just keep going in circles trying to contact them and resolve this issue to remove these items off of my credit items that I would like to be removed is XXXX {$230.00} Which then sold whatever debt they are claiming to a company called XXXX  XXXX {$230.00} aaa the date XX/XX/XXXX, XXXX XXXX the date XX/XX/XXXX XXXX card {$9500.00}, XX/XX/XXXX XXXX  XXXX {$1500.00}, XX/XX/XXXX, XXXX XX/XX/XXXX {$50.00} and all inquiries, except XXXX XXXX  and XXXX XXXX XXXX should be removed, remove XXXX XXXX  XX/XX/XXXX inquiry XXXX XX/XX/XXXX I dont even know what these two inquiries are, or where they came from. Ive tried to call and dispute with this company being as though the data breach was through this company but I just keep getting automated systems and they keep saying they can not verify my information which was given correctly
Consumer complaint received 2023-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

It has been drawn out that 3 Credit Bureaus are not hindering records. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-29
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

Menards Big Card administered by Capital One Account has promotional rates of 6 months for certain purchases.

Account provides " Interest Saver '' payment amount every month through their billing website. 

" Interest Saver '' amount for XX/XX/XXXX bill due XX/XX/XXXX, listed on website payment service ended up not actually covering all promotional purchases resulting in over {$80.00} in interest being charged. Company refused to acknowledge that payment was made based on the information they gave and insisted the interest was valid. 

Per the service rep I spoke to, the paper statement had no " Interest Saver '' payment even though their website showed me one when I made my payment. 

I believe Capital One/Menards are using deceptive trade practices to make promotional rate endings confusing for companies to try to extract erroneous interest charges.
Consumer complaint received 2024-05-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (GA)

Since XX/XX/year> I have received XXXX + emails and numerous calls for a debt that belongs to someone named XXXX XXXX. I spoke with a representative early on in the collection process and advised them that I was not XXXX XXXX, I do not know XXXX XXXX and to please stop all communication. The emails include sensitive information such as the original creditor, the last four numbers of the account number as well as the amount due, there have also been emails with show how much interest was charged. The representative that I spoke with stated she would remove my number/email and that I would not have any further collection attempts. While the calls stopped ( probably because I blocked the numbers ) the emails did not. I then sent them an email, again advising that I was not XXXX XXXX, that I do not know XXXX XXXX, that the debt they were attempting to collect was not mine, and to please stop all communication. That has not worked either as of today I received an email from them again attempting to collect this debt, from some random person who happens to share my last name. I called ( again ) and was assured that I would not be contacted again. This is harassment. Just by them continuing communication after being asked to not call/email is a violation of rights. PLEASE STOP TRYING TO SADDLE ME/HARASS ME WITH A STRANGER DEBT!!!!
Consumer complaint received 2024-01-29
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. (NJ)

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General.
Consumer complaint received 2024-01-29
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: EQUIFAX, INC. (MA)

I hope this letter finds you well. On XX/XX/XXXX, I initiated contact with Equifax to address inaccuracies on my credit report. Despite my efforts, I have not received a response from Equifax as of today 's date. I am writing to bring to your attention the following discrepancies and to seek your assistance in resolving this matter in accordance with the Fair Credit Reporting Act ( FCRA ). 

XXXX XXXX Account ( Account # : [ Your Account Number ], Date Opened : XX/XX/XXXX, Balance : {$520.00} ) : Dispute : I disagree with the reported balance of {$520.00}, as I recall the amount being lower. 
Request : Please delete the information concerning the Past Due amount, as this account is closed and charged-off.

Action Requested : Kindly mark this account as disputed to prevent any adverse effects on my credit score. 

XXXX Account ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$270.00}, Original Creditor : XXXX  ) : Dispute : This account is not mine ; therefore, I request its removal from my credit report. 

XXXX  Account ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$560.00}, Original Creditor : XXXX  ) : Dispute : This account is not mine ; therefore, I request its removal from my credit report. 

XXXX  Account ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$410.00}, Original Creditor : XXXX  ) : Dispute : This account is not mine ; therefore, I request its removal from my credit report. 

XXXXXXXX XXXX XXXX XXXXXXXX Account ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$480.00} ) : Dispute : This account is not mine ; therefore, I request its removal from my credit report. 

XXXX  Account ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$650.00} ) : Dispute : This account is not mine ; therefore, I request its removal from my credit report. 

XXXX XXXX XXXX Account ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$230.00} ) : Dispute : This account is not mine ; therefore, I request its removal from my credit report.
Consumer complaint received 2024-01-29
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. (CA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2023-06-17
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (IA)

I went to a Wells Fargo branch on XXXX XXXX XXXX on Saturday XX/XX/XXXX around XXXX and went through a drive through. 

I filled out my deposit slip I filled out my account number They sent a XXXX to my account, etc. 
Had my ID .... 

Tells me after 20 minutes of waiting and dragging my elderly father out of the house I can not withdraw my own money because " We have none of your documents on file ... '' I am absolutely floored at the practices of this bank. What would you like next? XXXX XXXX XXXX 

Ridiculous!
Consumer complaint received 2024-01-29
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: EQUIFAX, INC. (OH)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-04-29
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: BlueChip Financial (NJ)

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA sent a letter dated XXXX XXXX XXXX XXXX.Threatened to take me to county court house small claims court in 10 days if I did not pay it. I sent him a letter that I do not owe the debt it was paid.I called the company several years ago. The debt was XXXX They said I do not owe moneyXXXX
Consumer complaint received 2024-05-30
Product: Student loan — Private student loan
Issue: Getting a loan — High pressure sales tactics or recruiting
Company: Minnesota Office of Higher Education (MN)

I began attending the XXXX XXXX XXXX XXXX XXXX for the XXXX XXXX XXXX XXXX I was seeking a XXXX XXXX XXXX XXXX I applied for FAFSA and was fully enrolled. I began attending XXXX, and I recall being called to the schools financial aid office to sign additional documents. I believed I was obtaining federal student aid loans, and was unaware that the XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) was a private loan through the state of MN. The school used false advertising practices, aggressive and pushy sales tactics and deceptive behavior to ensure my enrollment and payment through these loans. They failed to explain the terms of this loan, that this loan was private and intentionally misled me regarding the details of this XXXX loan. My original loan was for {$15000.00}, dispersed in three separate {$5000.00} increments on XX/XX/XXXXXXXX XXXX XXXX XXXX  The loan has been administered through XXXX XXXX. Beginning XX/XX/XXXX, the loan will be serviced by XXXX. That XXXX XXXX XXXX, this school location announced they would be closing and students could either move to another state or attend online if they wished to complete their degree. I intimately chose not to re-enroll until their closure as I had began hearing of credits not transferring or being recognized by other schools/institutions. As of today, more than XXXX XXXX worth of loans are set to be forgiven for anyone who went to an XXXX XXXX XXXX between XXXX XXXX XXXX XXXX XXXX The XXXXXXXX XXXX said the chain of schools lured students with pervasive lies, falsified data and knowingly misinformed students. Unfortunately, this forgiveness currently only applies to federal student loans, despite the fact that the same lies, false data and misinformation was used to aggressively push me into obtaining these loans by the XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Brown and Joseph, Ltd (FL)

I was contacted by phone from Brown & XXXX saying I had a debt ( {$380.00} ) to be collected. When I asked for details, she became very angry and said a letter had been mailed however, I never received it. I wanted this information she would not give it to me, and we argued a bit. At that point I hung up and today, XX/XX/XXXX she called and said I am getting last chance to make payment before they move forward which again, she couldn't tell me ( what moving forward meant ) Additionally, after the first call, I made a complaint about her on the Brown & Joseph website which I never received a response from the company. 
She gave me a case number to look up online and when I attempted this, I was prompted that the site was not safe and that I should not enter any personal information. 
At this point I am not sure if this is a scam, but I don't have any information from Brown & XXXX as to what exactly this bill is for .... 
I would appreciate any help in regard to this issue if possible. 
Thank you very much
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2018-03-12
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Penn Credit Corporation (IL)

I recently sent a letter to Department of Revenue regarding me not receiving my state taxes. I submitted documentation stating I do not own any monies to Department of Revenue. Then all of sudden get this letter from a PennCredit regarding vehicle taxes never register my car for a different state.. I think this is a fraud please help I have supporting document ... 
XXXX XXXX XXXX XXXX, PA XXXX XXXX
Consumer complaint received 2022-11-24
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. (NY)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian, XXXX, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian, XXXX, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$0.00}.
Consumer complaint received 2024-05-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Oasis Legal Finance Holding Company, LLC (SC)

Hard Inquiry on CREDIT Report Oasis Legal Finance- XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Legal XXXX XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-01-29
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)

I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act. If you can not verify and provide me with the data proving these accounts were mine. Remove them immediately.
Consumer complaint received 2024-07-03
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: EQUIFAX, INC. (MD)

I am writing to express my deep frustration and disappointment regarding the persistent inaccuracies and unverified negative entries on my credit report. Despite multiple communications and disputes, your department has failed to address the following erroneous entries attached on the letters.