davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO. (TX)

I purchased a XXXX XXXX XXXX  on XX/XX/XXXX through Chase Bank, from XXXX XXXX XXXX in XXXX Tx. The loan was for drive out {$34000.00}, after talking to the finance man I was given a payment amount only. Next next day I saw a balance of {$40000.00}!!! I immediately went back to the dealership that Monday to cancel all extras. The first refund was for {$1500.00} and the other money eventually came off the balance I owed Chase. The {$1500.00} on the other hand has not been credited to my account and I am still paying interest on money that I don't owe Chase Bank. The dealership showed me that Chase cashed the refund of {$1500.00} on XX/XX/XXXX but it has not been applied to my balance. Chase said one loan was cancelled and they sent the check to that loan. I've told them the was my money for my loan and please credit it to my account. They said they sent it to the dealership but the dealership had recieved no check. Chase was supposed to cancel that check and send another but nothing has happened to.this date. I'm stuck paying interest on money I don't owe.
Consumer complaint received 2024-03-19
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. (PA)

I am writing to follow up my complaint regarding the presence of several delinquent accounts listed on my recent credit report, which I obtained and thoroughly reviewed. Upon examination, I discovered numerous inaccuracies and discrepancies that have caused me significant distress and concern.
Consumer complaint received 2023-02-24
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. (FL)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX BANK XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-01-06
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (IL)

I previously disputed this with XXXXXXXX XXXX XXXX indicating that they are reporting this account inaccurately and without my permission on my consumer reports! Due to the FCRA AND FTC commission laws consumer reports must obtain accurate information and Prestige Financial services is not submitting accurate information to XXXX Equifax and XXXX. It is reporting that the account was included in a XXXX  XXXX bankruptcy and it was not. Please REMOVE from all three credit bureaus due to the inaccuracies being reported!
Consumer complaint received 2020-04-15
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Pressler & Pressler, LLP (NJ)

I have a wage garnishment for XXXX XXXX XXXX, that is being garnished from my paycheck every two weeks. when I recently called Pressler and Pressler to see what was still owed I was informed that Im also being garnished for a credit card XXXX XXXX. I never was served. When asked what address the processor served the papers I was told an old address on XXXX XXXX in XXXX. But papers for the hospital came to XXXX XXXX XXXX XXXX in XXXX NJ. She said its a linked judgment, I was only informed about XXXX  XXXX  being garnished from my paycheck not XXXX XXXX. You cant have a linked judgment with a credit card and a hospital bill that is from two different entities. I just recently asked for validation of debt and disputed the debt as well. I was told the debt is almost paid in full and I shouldnt stop paying. But its a wage garnishment that was suppose to Be for XXXX XXXX XXXX only. She also told me the debt came into their office one year apart. This is in violations of the FDCPA underhanded collection practices. Collecting on two debts but making it looks as if its one debt. The collector told me I have been paying in this for years. And she never seen this happened before. If I didnt inquired about how much is left in this debt I would have never known I was also paying on the same wage garnishment a credit card. From my understanding in the state of New Jersey you can only have one wage garnishment so they combined the two to make it look as if its one without my knowledge.
Consumer complaint received 2020-06-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

See attatched USAA XX/XX/2019 STATEMENT ( OTHER CREDITS {$2.00}, XXXX ) Summary Account Activity KINDLY NOTE TOTAL CREDITS ( APPLIED ONLY {$910.00}. ) USAA REVERSED {$2.00}, XXXX as ** New Purchases I did Not Authorize and that ARE NOT NEW PURCHASES. NOT TRUTH LENDING. USAA DID NOT APPLY TEMPORARY CREDITS ( USAA REVERSED ONLY CREDITS APPLIED WHICH ARE MERCHANTS CREDITS ) XXXX XXXX CREDITS REVERSED XX/XX/XXXX *NO USAA TEMPORARY PURCHASE ADJUSTMENTS EVER APPLIED AND WHAT DID APPLY FROM MERCHANTS WAS REVERSED. KINDLY NOTE Summary of Account CLAIMS {$2.00}, XXXX NEW PURCHASES I DID NOT PURCHASE OR AUTHORIZE.
Consumer complaint received 2022-02-20
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I HAVE FILED A DISPUTE REGARDS TO THE INCORRECT ITEMS ON MY CREDIT REPORT. ITS HAS BEEN WELL OVER 30 DAYS AND I HAVEN'T RECEIVED ANY INVESTIGATION RESULTS.
Consumer complaint received 2020-04-15
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. (NV)

I am proactively sending this with attachment as Equifax has already ignored my first submission of the FTC report attached to this complaint. Over the last 2-3 years, Equifax has repeatedly violated the rights afforded me via the FCRA and FDCPA. Equifax has reinserted information on my report without notifying me with 5 days after reinsertion. They have done this a number of times. When I address it with them, they say that they don't do things that way there. When disputing a fraudulent account, I asked Equifax why they state 30 days for the fraud dispute when FCRA 605b clearly states 4 days. The response again was that they don't do that there. I asked if they followed the FCRA at all. The response was they just do it this way. I once called and was told by an Equifax employee that they have been instructed to remove nothing from the files of consumers and that all negative information will report for 7-10 years depending on the type of account it is. I asked even if it's inaccurate or fraudulent. The representative said yes. I asked him if he was aware that was in violation of federal law and he said that he didn't care because no one will do anything anyway. He was right. I immediately asked for a supervisor and he placed me on disconnect ( hung up on me ). I called back immediately to report this to a supervisor and the supervisor would not take his name or agent number to look unto it. I called this in to your office and nothing was done. So as much as I feel like I am wasting my time, at least I am leaving a trail for when the time comes that I can have my rights defended and justice done. So, again, this is in advance of Equifax refusing to remove inaccurate, untimely, unverifiable, and fraudulent activity from my report. It is being done deliberately in the face of the CFPB and other agencies because you have become a joke to the credit reporting agencies- just another acronym powerless to uphold consumer rights. The incident described above happened after the XX/XX/2020 passing of the data breach claim. You have lost the luster with which you were created. Shame on you!
Consumer complaint received 2023-02-27
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (SC)

Citi Bank offered a Savings bonus of {$450.00} when {$50000.00} was deposited within 20 days of opening the account and balance was maintained for 60 days from when the funds were deposited. I deposited {$50000.00} on XX/XX/XXXX and have maintained the Balance to this day, ( XX/XX/XXXX ). I contacted the bank 3 or 4 times in XXXX but did not keep records of contact until XXXX. Since the first part of the year I have been in contact with the bank no less than 6 times. XX/XX/XXXX was when I actually got a case number from XXXX who acknowledged I had meet the qualifications of the offer in a chat. Follow ups were made XX/XX/XXXX, XX/XX/XXXX, XXXX, ( talked with a supervisor ), XX/XX/XXXX, ( talked with XXXX who said she would forward to a manager ), and XX/XX/XXXX, ( talked with supervisor, XXXX. Each time I talked with someone I was told someone would get back to me with in 5 business days. Twice I was told they would get back to me within XXXX hours. I have yet to be contacted by anyone. This last time I called, XXXX, told me they have a backlog and I will just have to continue to wait. I've continually asked if there is another department I can contact and they always say no, we're it. It's been over a month since I was given a case number and 7 months since making my deposit. That seems like long enough for them to rectify this issue.
Consumer complaint received 2020-08-04
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

I started my credit journey back in XX/XX/2020 when I received copies of my credit report. Not only did I notice the wrong information with my name and addresses, I noticed there were some accounts I did not recognize as well. I watched videos and did some research and started disputing these accounts. The bureaus sent me responses at first but when the pandemic hit, the letters stopped coming. It is my understanding that the bureaus have 30 days to respond, or the account should be removed if they were not validated. After conducting more research, I found out the bureaus were behind and affected as well from the pandemic and would be taking a little longer to respond. Understandable. However, it has been 3 months since I received any notification or update regarding these negative accounts on my report. I have sent numerous letters and warning letters to the bureaus and XXXX XXXX and Experian has not reached out to me. This is unacceptable. This is my life in their hands and I want this situation resolved.
Consumer complaint received 2024-04-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NAVY FEDERAL CREDIT UNION (NV)

XX/XX/2021 NAVY FEDERAL extended what was supposed to be a vehicle loan. XXXX purchased XXXX insurance on the loan/vehicle in the form of a unilateral contract. NAVY FEDERAL entered the incorrect VIN number in the contract creating breach of contract. NAVY FEDERAL failed to provide upon XXXX ' request ( s ), an additional contract reflecting the correct VIN number of the vehicle, and the acknowledgement of XXXX insurance purchased. NAVY FEDERAL would then breach their Fiduciary Duty removing funds from the XXXX account without consent/permission. NAVY FEDERAL failed to provide the specific request ( s ) including but not limited to honoring the XXXX  insurance and the correct VIN number in the contract, or provide a full refund/ rescission of contract, requested by XXXX. NAVY FEDERAL also used legalese in the contract and portrayed the information as English in which XXXX did not have counsel to interpret the contract for proper comprehension. After the vehicle collision ( s ) NAVY FEDERAL would fail to honor XXXX insurance as well as the contract is voided under the UCC and CFR due to the contract failing to reflect specifics of the vehicle in possession in which proper accounting according to XXXX principles must be disclosed as well. NAVY FEDERAL has also defamed XXXX character by damaging XXXX ' credit score after their deceptive business practices creating multiple securities on behalf of XXXX acting as a beneficiary rather than the trustee.
Consumer complaint received 2020-04-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUMMIT FUNDING, INC. (NC)

Hello, I have a conventional XXXX XXXX backed loan that is serviced by Summit Funding. I  called them today to talk to them about mortgage relief due to Covid 19, and to go over my options. They informed me that my only option was a 3 month forbearance followed by a lump sum payment of 4 months of mortgage payments in one shot. I told the agent, who was very nice, that those rules would set me up in a bad position 3 months from now. I asked if their were any other options, he told me no. I was surprised and told him so. He actually told me that many of people have been calling in and have expressed the same concerns and that he and other agents there have gone to leadership to see if other repayment options can be offered such as a repayment plan or to put the payments to the back of the loan. He was told that the government backed loans ( XXXX and XXXX ) arent offering that and lump sums are all they can offer. 

This just doesnt sound right to me. I feel like the mortgage relief program due to a pandemic keeping our nation indoors and out of work is not normal circumstances and how can we come up with 4 months of payments 3 months from now. 

I think my loan servicer is either interpreting the program wrong or is not offering us the full program. Can you assist?
Consumer complaint received 2022-12-30
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: ERC (PA)

i sent a letter on XX/XX/ to XXXX XXXX however its been more than 30 days and the credit bureaus failed to send my investigation back this is not making any sense. 
according to the law 15 U.S.code 1681 i procedure in case of disputed accuracy in the completeness of accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the the consumer and the consumer notifies the agency directly or indirectly through a reseller of such dispute, the agency shal, 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 the 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 reseller 15 usc 1681 s-2 15 usc 1692c 15 usc 1681i
Consumer complaint received 2023-01-06
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: NAVY FEDERAL CREDIT UNION (CA)

Violation of law U.S. Code ( 1605 15 U.S. Code $ XXXX false and deceptive forms 15 U.S. Code 1635- right to rescission 15 U.S.Code {$1600.00} ( a ) - fraudulent authorized use of credit card ( XXXX  fine ) 15 U.S.Code 1605 - finance charge defined and what is all included 15 U.S.Code 1635 ( f ) - right to rescind after 3 vears if rescind paperwork was never furnished 15 U.S.Code 1635 ( b ) - right to rescind and keep the property 15 U.S.Code 1640 ( a ) - each violation is 2x finance charge 15 U.S. Code 1662 ( b ) -mixing cash with consumer credit transaction
Consumer complaint received 2020-04-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

XXXX XXXX XXXX XXXX purchased a debt from Capital One. The debt was loaded up with added fees and penalties prior to the sale of the debt. XXXX XXXX XXXX XXXX did not provide adequate documentation when asked to verify the debt. XXXX XXXX XXXX XXXX refused to settle the debt in good faith on several occasions. Although XXXX XXXX XXXX XXXX claims they are settling in good faith. The company is fully aware that the debt was stacked prior to purchase and is collecting this debt with malice. XXXX XXXX XXXX XXXX cites an amount in excess of {$6000.00} every time a debt settlement is made and then will extend the terms and create further financial hardship to the debtor.
Consumer complaint received 2020-04-15
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. (MS)

I called company about an account reporting on my credit file that couldnt be verified. They could not provide a copy of the original signed consumer contract as they should as stated according to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify-through the physical verification of the original signed consumer contract-any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. They even failed to respond. Agent said they sent out a letter stating they do not have a copy of the contract. I demanded to see verifiable proof of ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. 
Creditor 1 XXXX XXXX Creditor 2 XXXX XXXX XXXX Creditor 3 XXXX XXXX XXXX  XXXX XXXX They have failed to positively verify these accounts. Under the Fcra, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts above.The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Consumer complaint received 2020-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AL)

I have been in regular contact with my previous mortgage company about their reporting of my account on my credit report. They have agreed to remove late payment and account entirely from my credit report and have not done so. The account is paid in full and they have not yet removed nor will they submit to me a statement of removal, even after disputes through credit agencies.
Consumer complaint received 2023-01-06
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over XXXX  days later I have not received a response yet. feel like i'm being XXXX XXXX  of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report. It has been over XXXX days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2017-01-04
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LAKEVIEW LOAN SERVICING, LLC (CO)

I refinanced my loan through Lakeview Loan Servicing , Inc. Before I refinanced I had biweekly payments. However, after refinancing and being told that I would be able to continue the same frequency of payments, it was not the case. I asked multiple times if whoever was going to service the loan would continue the bi-weekly payments before closing. XXXX XXXX became the loan servicer for the loan and I had contacted them and they are not aware of bi-weekly payments. Lakeview Loan Servicing , Inc. should have advised me the fact that they were going to service transfer my loan so that I could have taken the opportunity to go with a more traditional bank or lending institution for my refinance. Most banks are able to provide a bi-weekly payment in which it is automatically taken. I believe the Loan Officer should have been more knowledgeable and not have deceived me in refinancing my loan indicating that I would be able to continue bi-weekly payments. The loan officer was XXXX XXXX.
Consumer complaint received 2016-08-22
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP (TX)

I am a victim of identity theft. Several years ago my bank, XXXX, had a data breach. My sensitive information including name, social security number, date of birth and address were sent to over XXXX people. Several accounts were open in my name without my knowledge or consent. This account was opened as a result of this identity theft. Later I also suffered a hack due to XXXX and XXXX. I have attached documentation of the identity theft and hack. I disputed this directly with the US Bank and did not receive a response. This bank account which was opened online fraudulently in my name was not opened with my knowledge or consent and was not opened by me. Currently it is the only item being reported on my XXXX banking credit report. When this account was opened it was opened in a state I did not even live in.