davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-16
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: Experian Information Solutions Inc. (CA)

My 2016 XXXX XXXX was stolen from my job. After numerous times of disputed the errors to my credit bureau they refuse to remove it from my credit report. I call multiple times to XXXX XXXX  and ask them to locate the vehicle but they refuse to help me find the vehicle. Finally I default on my loan because I refuse to keep paying for a car that I do not have. When XXXX finally repo the car they offer to settle my loan but by that time I did not want the car as I was vandalized beyond repair. Thank you
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts.

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2022-02-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (IL)

I accidentally deposited a business check through my CHASE APP into my personal account, which caused CHASE to close the account and hold on to my funds. because they thought the account was fraudulently open and that I have stolen the funds. They asked me to go into the branch and verify my identity and bring in XXXX forms that confirm that I am the rightful owner of this company. After I had not heard from anybody back in XXXX weeks I Called to follow up ( I was on hold for an hour and XXXX minutes ) and I was told that they couldn't release the funds because my XXXX registration is listed as " Company Name XXXX XXXX '' where the chef written had the COMPANY NAME on in it, without the XXXX XXXX part. 

They refuse to give me my money back and they refuse to issue a refund to the company that has written it.
Consumer complaint received 2024-08-30
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (ME)

I submitted a school misconduct discharge application for my remaining private loans from attending the XXXX XXXX XXXX XXXX XXXX. XXXX  is a XXXX  its former parent company XXXX has had multiple lawsuits brought against them due to misconduct regarding misrepresentation of graduation rates, job placement and salary potential. 

My application and supporting documentation was delivered via XXXX on XX/XX/2024 and I was notified that it was received on XX/XX/2024. On XX/XX/2024, I called Navient 's loan servicing department at XXXX and left a voicemail inquiring about the status of my application ( understanding that it could take up to 2 months for the application to be process and reviewed ). On XX/XX/2024, I received notification from Navient that my application had been denied with the reason being " Navient carefully considers a variety of factors in determining whether aprivate loan should be discharged based on XXXX  misconduct and you do not meet the requirements for discharge based on misconduct by your XXXX. '' On XX/XX/2024, I called Navient at XXXX and was able to speak with a representative. I asked for clarification regarding the reason Navient gave and the representative stated that they could not give me any more detail than what was in the notification because Navient has chosen not to disclose the criteria for private loan discharge. I asked if there was anyone else I could speak with that may have information, or if there was any information that the representative could disclose and they said there wasn't. At this point the conversation hit a standstill and the call ended.
Consumer complaint received 2023-12-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

There are 3 issues - 1. Bank of America increased our interest rate on our mortgage loan without adequate notification. If we had known that the interest rate was increasing, we would have paid off the loan earlier. It had been customary for Bank of America to call me directly via my Bank of America Financial Advisor in the past when any of the terms of my mortgage was changing. This did not occur and we were not timely aware of the increase in interest rate. We had asked Bank of America to reconsider the massive interest rate jump from 3 % to 8 %. This interest is now been charged for 3 months and appears excessive.

2. We asked for a pay off quote and received it via a complicated encryption. Upon figuring it out, we paid off the loan on Friday, XX/XX/XXXX for a total of {>= $1,000,000}. Despite the payment, we continued to receive collection notices including and through XX/XX/XXXX we received a collection email letter from Bank of America claiming that we are late and owe the mortgage payment for XXXX months. We called Bank of America today to inquire and to add salt to injury, were informed that the payment has not been applied to our account and hence continues to accrue interest. 
We requested that the payment be applied retroactive to XX/XX/XXXX. 

XXXX. Bank of America has chosen to delay their communications and review of our account and as a result, forced the account to continue to accrue interest. Hence, Bank of America continues to earn interest via delay tactics and on a notice that was not properly communicated. 

All of that interest should be refunded.
Consumer complaint received 2023-04-21
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. (TX)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-24
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: EQUIFAX, INC. (AL)

sent a dispute to XXXX XXXX XXXX XXXX and it was returned back to me. The attempted to deliver it but was unable to forward it to the company. Address was not known
Consumer complaint received 2023-12-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: VW Credit, Inc (MO)

I am reaching out to address a critical matter concerning Volkswagen Credit 's inaccurate reporting on my consumer report, disseminated by XXXX, XXXX, and XXXX, which I believe constitutes violations of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681s2.

The FCRA clearly states in 15 U.S. Code 1681s2 ( a ) that furnishers of information to consumer reporting agencies have a " duty to provide accurate information. '' The law prohibits the furnishing of any information " if the person knows or has reasonable cause to believe that the information is inaccurate. '' Moreover, the Internal Revenue Service ( IRS ) regulation is explicit, stating, " Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return. '' It is crucial to note that the IRS defines a charge-off as gross or ordinary income, emphasizing that " income does not get reported on the consumer report. '' Thus, any reporting of this account as a debt is inaccurate and in violation of IRS regulations. 

On XX/XX/XXXX XXXX I sent a letter to Volkswagen Credit ( Certified Mail # XXXX ), seeking resolution and clarification. Unfortunately, there has been no change in the account status, which is particularly troubling. As per 15 U.S. Code 1681, transactions history by the consumer should not be reported, and I urge the immediate correction of the account status to reflect " closed and paid as agreed. '' Additionally, the reporting of late payments across all three credit reporting agencies by Volkswagen Credit is inconsistent with 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ), which prohibits the furnishing of inaccurate information. The law specifically states, " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. '' In light of the above, I formally request a method and mode of verification for each credit reporting agency to rectify these inaccuracies promptly. 

I appreciate your attention to this matter and trust that the Consumer Financial Protection Bureau will conduct a thorough investigation to ensure compliance with consumer protection laws. 

Thank you for your time and consideration.
Consumer complaint received 2023-07-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (LA)

On XX/XX/23, I noticed XXXX withdrawals, {$4500.00} and {$240.00}, from my Chime account. These were to XXXX XXXX. I do not know anyone by this name, do business with anyone by this name nor did I offer these withdrawals. Said transfers, if they were indeed transfers, were apparently made, on or about XX/XX/23. 

All attempts to resolve this with Chime and/or its bank failed to correct this problem. 

Thus, {$4700.00} was stolen from me, either from a bank withdrawal or illegal transfer. Please, I ask you, to help recover my money.
Consumer complaint received 2023-12-16
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Duvera Billing Services, LLC (CA)

I saw my emails today and noticed that my loan I took out around XXXX. I paid off the loan around XXXX and didn't get a confirmation and noticed my emails they began charging me from the beginning of XXXX. They claimed that they were trying to get a hold of me but they didn't I don't recall their phone number.
Consumer complaint received 2022-02-03
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Marlette Funding, LLC (VA)

I am on a automated payment plan for {$62.00} with Best Egg for the XXXX of every month started XX/XX/XXXX. Best Egg continuously reported to the credit bureaus that I was late from XXXX XXXX XXXX. Best Egg received on time payment of {$62.00} every month on the XXXX drafted out of my bank account. When I called them for the 3rd time to ask for an explanation, no one could explain the 1st nor 2nd times. The 3rd time Best Egg stated they did not see what I saw on my credit report. But they had to report it. Every time they report this my score goes down. This is incorrect information. Even when disputing this Best Egg still stated I was late and even added XX/XX/XXXX.
Consumer complaint received 2023-12-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY (NH)

I have submitted a complaint about this already. I have called and requested a statement up to date and where to send payments every time I call I get transferred and the call drops or Im told Wells Fargo does not handle the loan. Not once in 8 months have I received anything from them. I cant even give an account number bc Wells Fargo apparently doesnt service the loan anymore!
Consumer complaint received 2017-04-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (VA)

I noticed a collection account with XXXX was placed on my credit report in XX/XX/2017. I was not aware of the account nor had ever done business with XXXX so I was very furious and shocked an account was placed on all XXXX credit reports without validation. I never received a dunning letter or anything from XXXX so on XX/XX/XXXX I sent a certified letter asking XXXX to validate the debt. I also wrote all XXXX credit bureas asking why was this unverified unvalidated account was placed on my report. I didnt receive a response from XXXX until XX/XX/XXXX ( beyond the 30 day requested response time ) when XXXX responded the sent me a copy of some bill with my name address on it. I immediately sent XXXX another certified letter advising again, to legally validate the debt with a contract with my signature of something that says this account is me. ( I 've been a victim of identity theft in the past, note the fraud alerts on my report ). I havent received proper debt validation as of today. Meanwhile I was also communicating with the credit beauru specifically Equifax regarding this unverified account. I submitted three written notices to Equfax and called to check the status a few times. The issue is each time I communicated with Equifax the created a new dispute now totaling 5 disputes for the same case with XXXX. I finally called and spoke with a manager XXXX whom told me on XX/XX/XXXX Equifax verified the account by name social and address ( I have a recording of this call ) I explained that is not a proper MOV ( method of validation ) and they have violated my rights under the FCRA guidelines. This account is still showing on my reports and should be deleted without proper validation. In addition I mailed XXXX a letter requesting MOV on XX/XX/XXXX certified, as of today I have not received a response ( pass the 15 day time-frame. All XXXX credit beuar and XXXX have violated my rights under the act
Consumer complaint received 2023-12-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Elevate Recoveries, LLC (MI)

On XX/XX/2019 I went to XXXX hospital in XXXX XXXX, MI and later got s bill for {$1100.00}. I called the insurance company ( XXXX XXXX XXXX ) and they told me they were waiting on pricing information from the hospital. XXXX years later I started getting a call from debt collectors saying they were still attempting to collect the {$1100.00} from me. I called the insurance company ( XXXX XXXX XXXX ) and they told me they reached out about pricing and never heard back from the hospital. I then called the hospital and got ahold of their billing department and they told me that my insurance company finally went back and made the adjustments and paid for all of it, but for some reason they still moved the account into collections and it is affecting my credit. I don't know why I'm still being asked to pay the {$1100.00} when the hospital is saying that it's already paid for but I would like this figured out and have it removed from collections. I neither have the money nor am willing to pay for something that was already paid for by the insurance company and am trying to build my credit and this can and will heavily affect that.
Consumer complaint received 2023-12-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monterey Financial Services LLC (TX)

We are writing to file a complaint against Monterey Financial Services who continues attempting to collect money from us based on alleged debt they themselves do not even own and continues making derogatory marks on our credit report based on nonpayment of alleged debt they do not even own. We have repeatedly disputed this debt with them directly and demanded they either verify and validate this supposed debt immediately or that they immediately cease their collection efforts and remove the derogatory marks theyve made from our credit report. However, they refuse to do so all based on debt they allege we owe, that we have repeatedly advised them that we dispute, and for which they themselves do not even own. 

Please assist me in forcing Monterey Financial Services to either 1 ) immediately verify AND validate the alleged debt they continue trying to collect from us or 2 ) to immediately close this account, cease efforts to collect from us, and remove the negative marks they have made on our credit report. We greatly appreciate your assistance. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I was reviewing my credit reports and found multiple accounts with conflicting information between the 3 credit bureaus for the same accounts that list different account numbers, date of last activity, last payment date, balance, account status, and original balance. I am requesting that all information for the accounts listed below be provided in writing to me which includes but not limited to : the original contract with my wet signature, full transactional history from date of opening to present or closing of the account, any other documentation that was use to verify the account as being accurate. Under 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT : 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. I know that under 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : I have attached a copy of my ID for identity verification and a bill for address verification. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-16
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (OH)

I was approved for a discover student cash back rewards card with an {$500.00} limit after applying and providing my student email address. I only used the card to make a few purchases and all of a sudden the card was shut off. I received an email stating discover wanted to use XXXX verification services to access my prior years tax return statements. Due to the fact that I was ( you can verify this through XXXX data breach settlement website and click has my information been affected ) a victim of XXXX data breach, my personal information was compromised alongside the other XXXX XXXX plus victims. Because of this I called Discover and spoke with a fraud specialist who told me I had to do it. He treated me like I had done something wrong when I was the victim! He told me that they needed me to let them see my tax returns to verify my identity but offered me no other way of verifying my identity such as the tradition ways most other banks use ( drivers license, birth certificate, bank statements, etc ). Because I was a victim of the data breach, I was afraid of XXXX and to even allow access due to my compromised personal information. When I told the fraud department no, they immediately closed my account and sent my final bill. So the hard inquiry, to the account only being open a week, I never got to use any of the benefits that I signed up for the card for to begin with. Its a shame I was treated in such a manner. Discover needs to reevaluate there decision and should not require data breach victims to expect to allow them access to there tax info via the same company that there personal information was stolen from.
Consumer complaint received 2023-12-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: SANTANDER HOLDINGS USA, INC. (WA)

In XXXX  Chrysler capital at XXXX XXXX XXXX Loaned me XXXX for a XXXX  XXXX XXXX  with flat tires and barely any oil!. I tried to take it back not even 24 hours later due to all the vehicle problems and they told me they were not going to take it back!. I was informed All sales are final even if you dont want it because of all the issues!. So the vehicle is a scam and now the loan to!. Once I noticed all the issues with the vehicle I started to see another problem like sky high interest rates with compound interest due to Covid stopping my payment!. So with in a year of buying this lemon my payment not doing anything just straight to interest!. Even when I pay them with an over payment of $ XXXX and still my balance is not going down. Its going up. 
About XXXX later still the balance is over {$32000.00} is an estimate I have proof and statements!.
Consumer complaint received 2023-05-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Zions Debt Holdings (GA)

I see ZIONS DEBT HOLDINGS on my credit in the amount of {$1200.00} from XXXX XXXX XXXX. I have no knowledge of this of this collection, and would like for them to approve a contract with me and if not I would like for them to remove this debt off my credit report as soon as possible.
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

XXXX, XXXX, EQUIFAX is breaking the consumer law pertaining to : XXXX XXXX XXXX ACCT # XXXX I've uploaded documents I need this corrected immediately and this is a violation I've lost thousands of dollars and mentally aggravation if this isnt resolved I will have no choice but to move forward with LAW SUIT, litigation AGAINST these XXXX entities the XXXX XXXX PROPERTY OF THE SOCIAL SECURITY ADMINISTRATION FOR WHICH IM THE CARD HOLDER