davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (NY)

I bank with JP Morgan Chase bank, I have a business checking account and i do online banking, on XX/XX/2020, I use the XXXX quick pay to send the amount of {$2000.00} to a recipient, I got a receipt that the transaction went through successfully, I sent a copy of the receipt to the recipient, usually this funds would be available immediately and sometimes a few days delay in my experience, In this case the money did not post to the account in over a week, the recipient then told me there was a mix up in the cell number used and that usually the transaction should not go through and i should contact my bank to find out what happened. 
I called my bank customer service to explain the situation and I was told it will take 10 working days to investigate, after more than fifteen working days that I have not heard from them I decided to call back, The representative who attended to me stated that the money went to another recipient and that they have tried to get the money but could not and therefore they can not help me any further, I told them the money was not supposed to go through since the name and number did not match and that I believe the money is still hanging somewhere in the bank, I was told that I should go to my bank for help, I went to my bank but walk ins are not accepted because of coronavirus, I was asked to call XXXX but i insisted i wanted the bank representative to help me do it because there is too much waiting time and they usually hang up on customer and then one has to start all over and that I am already frustrated, I was given an appointment for XX/XX/XXXX but unfortunately I had a family emergency, I asked if i could come the next day but i was told not until XX/XX/XXXX, so up till now i have not got my money back and the recipient is bothering me<please I need help urgently to resolve this situation..
Consumer complaint received 2020-12-18
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: BBVA FINANCIAL CORPORATION (FL)

I was granted a COVID-19 3 MONTH DEFERMENT ON MY XXXX  XXXX XXXX XXXX XXXX XXXX  AND NOW I AM SEEING IT AS A CHARGE OFF AND I CAN NOT GET ONLINE OR ACCESS THE ACCOUNT AND THEY WILL NOT TELL ME ANYTHING NOR HELP ME AND I HAVE NEVER BEEN LATE BEFORE!!!! HELP!!!!!
Consumer complaint received 2020-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (FL)

On the XXXX of XXXX, 2020 XXXX  XXXX reported my Balance of approximately XXXX to the Credit Bureaus as the Closing Balance and Usage Rate for XXXX, XXXX, 2020 which was XXXX. 

On the XXXX of XXXX, 2020 Experian disclosed my Credit Score as XXXX from XXXX. 

On the XXXX of XXXX, 2020 Experian disclosed my Credit Score as XXXX from XXXX. 

On the XXXX of XXXX, 2020 I disputed my Credit Score. Experian referred me to the Creditor XXXX XXXX. 

On the XXXX of XXXX, 2020 XXXX  XXXX refused to Report the actual Closing Balance of XXXX, XXXX, 2020 which was XXXX. 

On the XXXX of XXXX, 2020 Experian disclosed my Credit Score of XXXX from XXXX. 

On the XXXX of XXXX, 2020 ; I filed a Complaint with the Consumer Financial Protection Bureau against XXXX XXXX for reporting my Balance on the XXXX of XXXX, 2020 as my Closing Balance and Usage Rate for the XXXX of XXXX, 2020. Complaint Number XXXX - XXXX. 

A particular Credit Card@1XXXX line of Credit ; closes on the XXXX of each month. On XXXX, XXXX, 2020 my Balance was XXXX and on XXXX, XXXX, 2020 the Creditor reported my Usage Rate as the Balance on XXXX, XXXX, 2020 of approximately XXXX and even though I received a letter during approximately XXXX, 2020 that the Creditor might report any given Balance of a Proceeding Cycle for the Closing and Usage Rate of the previous Cycle ; I thought that the Creditor was mistaken ; since alterations of the Closing Balance is possibly illegal. 

On the XXXX of XX/XX/2020 XXXX XXXX did Respond to my Dispute through CFPB, but with the Closing Balance of XXXX, XXXX, 2020 ; when the Dispute is of the Closing Balance of XXXX, XXXX, 2020. 

THE COMPANY 'S RESPONSE INDICATES THE CLOSING BALANCE DURING THE MONTH OF XXXX, 2020. THE COMPLAINT IS IN REFERENCE TO THE CLOSING BALANCE AND USAGE RATE DURING THE MONTH OF XXXX, 2020. 

THE COMPANY 'S RESPONSE OF MY CLOSING BALANCE DURING XXXX, 2020 OF XXXX. IS CORRECT, HOWEVER THE COMPLAINT IS OF THE CLOSING BALANCE AND USAGE RATE DURING XXXX, 2020 WHICH IS NOT CORRECT. THE COMPANY REPORTED 42 % USAGE RATE OR {$420.00} DURING CLOSING ON XXXX, 2020, WHEN THE ACTUAL BALANCE DURING CLOSING ON THE XXXX OF XXXX, 2020 WAS 29 % OR XXXX. 

On the XXXX of XXXX, 2020 Consumer Financial Protection Bureau closed my Dispute. 

On the XXXX of XXXX, 2020 Experian has modified Records.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (SC)

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.

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 2023-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXX XXXX has violated my rights. 

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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2020-12-18
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On XX/XX/2020 funds were taken out of my checking account and transferred to an individual that I do not know. As soon as I became aware of the activity I called Bank of America and asked to open a claim with the fraud department. I kept on contacting them to check status and they advised me that it can take up to 45 days for review and at 10 days I will be getting a credit of the {$3500.00} that was taken without my authorization. On day 10 I contacted Bank of America fraud department and was told the claim was closed due to insufficient information. At that point they stated they needed a police report. I obtained a police report and submitted to them. They have denied all claims reconsiderations. It has been so many days and no funds have been returned, it has been really stressful.
Consumer complaint received 2018-03-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (LA)

We were paying on a mortgage loan and had no idea that the note and mortgage was canceled. The date and time in question was XX/XX/XXXX. We then received a notice around XX/XX/XXXX that stated Wells Fargo will be servicing the note. But during that time around XX/XX/XXXX XXXX XXXX XXXX filed in the clerks office an Affidavit and notarized statement stating they were last holders of note and mortgage and was canceling The note and mortgage. 
The major problem is Wells Fargo continued to service this note and mortgage from XX/XX/XXXX to the present. 
I am now under the impression that Wells Fargo have been defrauding us, because they have been receiving payments from us and servicing this loan from XX/XX/XXXX to the present XX/XX/XXXX while this note and mortgage have been officially canceled on XX/XX/XXXX.
Consumer complaint received 2020-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: T.S. Holdings (FL)

On XXXX XXXX, 2020, IQ DATA INTERNATIONAL IN add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtor*s creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA I.Q. DATA INTERNATIO has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Consumer complaint received 2023-05-16
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. (LA)

I submitted a letter to the 3 Credit Bureaus on XXXX to update this suspicious information. I think you have not validated the account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against it. This was already included in my prior COMPLAINT and I'm including it again. 
Please fix the listed account : XXXX  XXXX XXXX Balance Owed : {$270.00}
Consumer complaint received 2017-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I submitted a dispute letter to Equifax advising that the debt reported for {$200.00} by XXXX XXXX XXXX was fraudulent and that I am a victim of identity theft. I was originally made aware of my identity being used back in 2013 when someone filed a tax return under my social security number, name and other personal information. I filed a police report in XXXX, GA at this time. I submitted this proof to Equifax and also to XXXX XXXX and have also completed an identity theft affidavit along with my driver license and notarized statement. However Equifax continues to report this derogatory information on my credit file.
I spoke with XXXX at Equifax fraud department and expressed that I have never done business with the original credit XXXX XXXX and they this is a fraudulent crime. I have also requested validation of this debt from Equifax in which they have not provided.
Please see attachments that were submitted to Equifax and XXXX XXXX XXXX.
Consumer complaint received 2020-12-20
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. (GA)

Experian did not investigate an account on my credit profile for Dept Of Education/XXXX  this is not my account and I have never had an account with them.
Consumer complaint received 2023-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX VA XXXX XX/XX/XXXX ; Medical XXXX Balance : {$210.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2023-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX VA XXXX XX/XX/XXXX ; Medical XXXX Balance : {$210.00} ; XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2020-12-19
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Navient Solutions, LLC. (TX)

I have been evicted twice and stayed at two homeless shelters since my yearly income tax returns have been taken by the US Department of Education and Pioneer Credit Recovery, and Ascendium. I have lost multiple jobs, and have even been unemployed since XXXX of this year. I am not able to make payments due to severe financial difficulties, but Pioneer Credit Recovery and XXXX have repeatedly refused to help my financial situation. Their abusive collection patterns have forced me into poverty multiple times in the last 4 years since the Department of Education, Pioneer Recovery, and XXXX participated in stealing my tax returns. Now they are sending me threats. I can not pay the balance owed, I can barely afford food to eat and the medicine I am prescribed. I have also been adversely affected by the COVID-19 pandemic.
Consumer complaint received 2020-12-19
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I wanted to open a account at XXXX XXXX and they denied me. I don't know why, the last account I had over a year ago was with Bank of America. I didn't do anything wrong, I didn't bounce a check, I don't owe any money. The account was closed. When they told me a check I received and deposited was scam, .I didn't know it was scam and they got all money back plus what I left in the account. I was appalled the way the bank after and didn't even bother to teach me why the check was bad. Then they lied about closing the account so I closed it.
Consumer complaint received 2022-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OK)

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 name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

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 2020-12-19
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: HYUNDAI CAPITAL AMERICA (VA)

XXXX XXXX XXXX. VIN XXXX. Purchased XX/XX/XXXX. Financed with XXXX. XXXX has been paid off. I am unable to get a title because Florida DMV indicates there is still a lien on the vehicle. I have called Hyundai Finance and they have admitted that the loan is paid off, but they refuse to send me the lien release information. They also will not contact Florida DMV and inform them that the loan is paid and the lien is released. I have called Hyundai 5 times in the past 3 weeks. I have spoken with a supervisor named XXXX and a senior supervisor named XXXX. XXXX claimed he was as high up as you can go. XXXX said I would need to contact DMV. I explained to XXXX more than once that DMV will not help because their records indicate Hyundai still has a lien on the vehicle. I also contacted Hyundai Customer Care. I provided a detailed description of my situation and Hyundai Finances lack of cooperation. After two days, Hyundai Customer Care said I should contact Hyundai Finance. Obviously, they did not read my email in its entirety. Receiving the title is critical as I traded the car in and the dealer wants the title. If I can not produce the title within the next week I will have to pick up the vehicle and write a check for the trade in amount. 
I have attached a screenshot from the Florida DMV showing an active lien on the vehicle.
Consumer complaint received 2022-12-30
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: Army and Air Force Exchange Service (HI)

I attempted using my Military Star Card issued by the Exchange Credit Program, based out of XXXX, TX, at a Navy Exchange gas station which accepts the credit card. However, I could not complete the transaction after the card reader denied my Military Star card which offers a XXXX cents per gallon discount for using the card when purchasing gasoline. Not only did this affect me, but the other customers using their Star Cards for payment at the gas station also had their transactions denied and the customer representatives at the gas station told us we needed another form of payment due to the problem. I contacted the Exchange Credit Program customer service after the incident and they verified my acccount still remained in good credit standing. I want this issue investigated as to why this incident occurred. The Navy Exchange Service Command should work with the Exchange Credit Program in avoiding a future recurrence of this problem. As often as I refuel my vehicle along with the current high cost of gasoline, the XXXX cents per gallon discount offered by the Military Star card offers tremendous savings in the long term. However, continuously encountering problems with using the card would essentially negate the benefits of the cost savings offered.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act, XXXX XXXX  Account # XXXX, has violated my rights. 

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
Consumer complaint received 2020-12-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I hope your day is going well, but I need your help. I noticed some inaccurate accounts on my credit report. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC and also spoke with someone with you all who told me to submit my complaint here.This incorrect information on my credit report is causing problems when I try to apply for credit.I reached out to each account on here and just can't get anyone to help me. They keep sending from one person to another. I have been dealing with this for a whole month now and the accounts areXX/XX/XXXX I am doing this on my own behalf and really need someone to help me with this. Also there are several times where someone ran my credit and I didnt give anyone permission to run my credit. If you all can help me with this as well I appreciate it. XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XX/XX/XXXX
Consumer complaint received 2019-11-05
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. (KS)

Settlement paid to XXXX XXXX to settle charged off account. All three credit bureaus refuse to update reporting and blame XXXX XXXX for inaccurate reporting. 

All the three credit bureaus show balances of {$1400.00} when it should reflect a {$0.00} balance. 

XXXX XXXX has confirmed on their end that balance was settled.