davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I am writing to inform you that the associated account linked with XXXX XXXX has undergone successful discharge through the Internal Revenue Service ( IRS ) via a 1099C form. Attached herewith is Copy B of the processed 1099C from the IRS for your reference.

As a direct consequence of this account being settled and discharged by the IRS through a 1099C, I hereby request the immediate deletion of the collection balance currently being reported on my consumer report under the names and alias " XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your prompt attention to this matter is greatly appreciated. 

Thank you for your cooperation.
Consumer complaint received 2020-03-15
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Exeter Finance, LLC. (VA)

On XX/XX/2020 I contacted exeter to inform them that a payment will be sent in full to them of for the balance. We paid {$7600.00} for the remaining balance of the vehicle to be paid in full. They said they had not received it. On XX/XX/2020 we had confirmation that it was delivered. When I contacted the company on XX/XX/XXXX they advised that it would take less than 48hrs to process. I called back on XX/XX/2020 and asked if there were notes it was received and they said no to send an email with the tracking information and someone would respond within 24hrs. I had not received response. On XX/XX/2020 I called and was advised because I did not have the check number she couldn't help me. I asked to speak to a supervisor who advised all the information provided was false and it takes 3-5 business days. I had received two different payoff amounts but off which we had overpaid out of our own pocket. We received notifications that our credit score was reduced by almost 60 points because the account shows closed instead of paid in full. We did not close the account we paid it off out of our own pocket. Exeter should have placed the accurate status of the account and failed to do so.
Consumer complaint received 2024-01-22
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Bridgecrest Acceptance Corporation (TX)

This company wont help us on payments. They want the money for a used 2016 car. they wont work with us. And plus they charge interest every day. And the car was in an occident. I know that they wont let me skip a payment to get it fixed. We contacted our insurance company its XXXX to get it fixed. But Im paying to much money on insurance every month so XXXX stuck. The loan is worth more than the car they want XXXX.its not worth it for a 2016 XXXX XXXX XXXX Its had 3 owners and one accident on it report. I just want out of this loan situation
Consumer complaint received 2019-04-11
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. (TX)

I submitted a dispute with Experian on XX/XX/XXXX because they were reporting a negative XXXX account # XXXX on my credit. The account came back verified. So I reached out to XXXX and they did not validate the account according to the laws. So how was Experian able to validate the debt. XXXX sent me an account summary which is not proper validation. I submitted it to Experian on XX/XX/XXXX and requested they remove the account again. They did not.
Consumer complaint received 2020-03-15
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Harpeth Financial Services, LLC (TN)

Im very confused as to how my payments have been applied to my account, and the information being provided by Advance Financial is intentionally confusing and misleading. I will receive a statement in my email saying my minimum due is a small amount like XXXX dollars, but their website says its over {$1000.00}. I understand my loan is past due and have been making a regular payment every two weeks to pay down the balance, but its like those payments arent being reflected in the past due payments or the principle amount. My receipts never break down where the money is going to. Honestly I think Im just making a payment every two weeks until I die to only avoid my bank account getting levied without notice, which apparently is in the fine print. The company wont explain why my biweekly statement will say I owe {$15.00}, make a {$25.00} payment then be two more weeks past due. If its a line of credit and my interest rolls over, why doesnt my minimum payment recalculate like any other line of credit and just show Ive missed a month? Why am I still missing payments? Why are my payments not paying down my loan? Where are my loan documents? 
Ive tried calling the company to no resolution, but despite being located in Tennessee, Ill get 5-10 calls from out of state numbers a day spoofed by this company reminding me of my payment, which Ive made. The companys representatives are kind, but the information they are given is incorrect and the help they try to give is therefore useless. I was told last XXXX after losing my job that if I let my loan go even more past due, at 45 days every payment I would make would be matched by the company. That never happened. I stopped accruing interest at 90 days, but once my loan is caught up to 90 days past due itll be accruing once again, which I found out from a former employee, but never informed of by current workers. Ill ask to speak to managers, compliance managers or employees, and the legal department and will be flat out denied. My information will never be forwarded over. Honestly, it wasnt until I spoke to lawyer and informed them that they started working. I absolutely believe that underneath their polished exterior that this company is not complying to legal guidelines, and if this has happed to me, it must have happened to others.
Consumer complaint received 2020-03-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2020-03-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. ()

- On XX/XX/XXXX I sent a message via secure message on my home banking with Chase Bank asking how was the process to close my account. I never asked to effectively close my account, I just wanted to know how the process was because I was evaluating changing to another bank. I have all the messages in my Chase Inbox and screenshots of it just in case ( they're in XXXX ). 

- On XX/XX/XXXX I tried to access my account va online banking and there was no account and funds. I just found that a Chase 's employee answered my message saying that my account was closed and they have sent a check with my funds to my address ( they never said wich address exactly ). They also cancel all possible transactions and my debit card. 

- I contacted inmediately via secure inbox again and asked why they did this and said that it was a mistake. I asked for my money saying that I really need it and that I never asked to effectively close my account. I also sent them a screenshot where it can be read that I was just asking about the process and never gave CONSENT on closing my bank account or any Chase product. 

- On XX/XX/XXXX they answered again just saying that they were sorry for the mistake and that they sent a check for the amount on my account to my address ( again, they didn't said exactly to WICH address ). They also told me that like I live in XXXX, the check could arrive in 4 WEEKS. 

- I answered once again inmediatly said that was a mistake because on first place I never asked or gave consent on closing my account, I live in XXXX where there are no Chase branch so I won't even be able to turn the check into cash and btw, we're on quaratine due to COVID-19. I  asked repeteadly to give me a real solution, I offer them to transfer the money to another account or even to activate my account again with my money so I could transfer it to another bank account. 

- On XX/XX/XXXX they answered once again saying a check was delivered, that It will take 4 weeks to arrive, etc. They never gave me a real solution even they recognize it was THEIR MISTAKE to close my account. Now I don't have my money, I don't know where they sent a check, and IF the check arrives, I won't be able to turn it into cash because there is no Chase branch where I live and there is a cuarantine due to COVID-19. I replied once more explaining all the situation and that was all. I also tried to contact Chase via XXXX  ( you can see all my angry messages here : https : XXXX ) and their XXXX page but there was no answer at all. 

Please, I just want my money back so I can transfer it to my other bank account. I can give chase my other 's bank XXXX/XXXX but I REALLY NEED THE MONEY and can't wait 4 weeks for a check that I won't be able to use just because a Chase 's employee made a mistake. 

Thank you in advance for helping me to solve this as soon as possible. 

Regards,
Consumer complaint received 2021-03-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

Bank of America closed account without notification other than mailings. 

Letter dated XXXX XX/XX/2021. I had already received notification of closed accounts and numbers, this was in addition to. 

Questioned fraud and disputed unauthorized transactions following XXXX  to this account.

Several attempts made via phone to fraud dept., disconnected, no service.

Noticed differentiation in headers of two mailings.

Suspect fraudulent.
Consumer complaint received 2020-03-15
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (MD)

I have been attempting to work with Navient to obtain a reasonable repayment plan for my student loans. Currently I am under medical/physician care  and have effectively been placed on XXXX   XXXX. In essence, I have not been released to seek either part-time or full-time employment ( see attached physician letter ). Therefore, I have limited financial resources to pay my debt obligation. I have consistently contacted ( mostly by phone ) Navient to request relief and/or to make payments under the current arrangement. The dates for my most recent phone calls to Navient include, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, and XX/XX/2020. Said payment arrangement requires a monthly payment of {$170.00}, which I am unable to manage. When I have called Navient to inquire about alternative options the representatives have literally either told me to liquidate my 401K and pay them {$30000.00} to settle the account or that regardless of my medical situation that the loan has to be repaid. I have essentially experienced extremely rude and uncooperative behavior from the representatives. When I have requested assistance from a manager, the manager only recommended that I seek financing elsewhere to satisfy the debt. Again, due to my medical condition this is not a viable option.
Consumer complaint received 2020-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

On XX/XX/XXXX, I was denied credit and received a copy of Experian credit report. It showed an open balance with XXXX, XXXX of {$440.00}. I know I paid this account off. I called XXXX and that said my account was transferred to XXXX, XXXX. 
I called XXXX, XXXX. They told me my account was paid in full and they will send me a receipt. I put in a dispute with Experian while I waited for the receipt from XXXX, XXXX. 
On XX/XX/XXXX, Experian said they finished their investigation and XXXX said the information on my credit report was correct and I stilled owed {$440.00}. The disputed item remains on my credit report with out any changes. 
I submitted a second dispute with Experian and provided a copy of the receipt from XXXX XXXX XXXX showing that my account with XXXX  was paid in full by their authorized collection company. 
On XX/XX/XXXX Experian sent me my dispute results stating XXXX, XXXX said information on my credit report is still correct. I owe them {$440.00}. the item will remain the same. Yet I have a receipt firm XXXX, I spoke to an XXXX  Rep and they all told me I do not have an open account with them nor do I owe them any money. My account is paid in full.
Consumer complaint received 2024-01-22
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: CREDIT ACCEPTANCE CORPORATION (TX)

Per the FCRA as a federally protected consumer. I am now opting out of any and all authorizations. I, the consumer may have given you written, unwritten, verbal, and non-verbal per 15 use 6802. negligence in removing this account will be result in a civil lawsuit for federal violations.
Consumer complaint received 2021-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (CA)

There are chapter 13 bankruptcies on my credit and two accounts that do not belong to me I have contacted the court regarding this they are saying this is not verifiable and these are not mine that is why I am calling the courts trying to see what is going on. I have been writing to XXXX XXXX and Equifax regarding these and there has been nothing happening this has been a year and a half. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : U.S. XXXX  XXXX Account Number : XXXX
Consumer complaint received 2020-03-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Volunteer Mortgage Loan Servicing (TN)

During the process of monthly payments I have sent payments on time, but continue to get late fees. Also when I do payments over the phone the workers have been not writing the right documents for to take my payments which cause me to be late. When ask about this issue the company stated that I give the wrong information ( When I specifically give the information back to the worker number of times. Second issue was i have sent money in that make me have money in another account with the company. Ask the company to refund me the money and they stated i couldn't receive it back I have email the director of the company of this issue no one call nor respond back to my complaints. Also I recieve a loss Mitigation approval were documents were wrong that the company stated I suppose to be pay back which was not right, ask the specialist that sent the documents which she know nothing to provide the right information. So I am writing to CFPB to look into this matter also the reviews of this company of Volunteer Mortgage Loan Servicing, which other consumers are going through also.Thanks in advance
Consumer complaint received 2020-03-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NJ)

An account holder with JP Morgan Chase bank at XXXX XXXX XXXX XXXX in XXXX, Ca using a scam that included fake identity, fake documents and stolen leterheads representing and pretending to be a claims manager ( XXXX XXXX ) for a real bank in the XXXX ( XXXX XXXX ) received a wire from my business in the amount of {$50000.00} on XX/XX/2020. Upon recognizing this scam I immediately went to my bank where the wire was sent and tried stopping the funds as they alerted Chase bank that it was fraud and that the wire should be stopped immediately and also investigated. This was all done within 24 hours of the sent wire on XX/XX/XXXX. Not only did Chase not investigate this transaction, they waited almost 2 days before they even tried to stop this. Nobody at Chase bank wanted to help me or speak to me and I was transferred 4-5 times and was finally told that they would only speak with someone from my bank. Chase finally responded to my bank that their account holder ( XXXX XXXX account # XXXX XXXX took my wire money several minutes after it was sent and there was 'nothing ' they could do. I filed this with my local FBI bureau and local police. I believe Chase has a responsibility to investigate fraud and suspicious criminal activity and return this money since they and most all banks have some type of fraud insurance. Their response to this was unacceptable as they gave favor to their fraud account holder and offered no help for the victim. I have tried numerous times to contact the fraudsters but they now refuse to communicate since they have my money
Consumer complaint received 2021-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

There are chapter XXXX bankruptcies on my credit and two accounts that do not belong to me I have contacted the court regarding this they are saying this is not verifiable and these are not mine that is why I am calling the courts trying to see what is going on. I have been writing to XXXX  Transunion and XXXX  regarding these and there has been nothing happening this has been a year and a half. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : U.S. XXXX COURT Account Number : XXXX
Consumer complaint received 2020-03-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

This is regarding my Bank of America Alaska Airlines Business card, acquired on XX/XX/XXXX, and for which I paid an annual fee for. 

Even though I paid the annual fees, Bank of America unilaterally closed my account without any explanation on XX/XX/XXXX, thereby denying me services that I had already paid for. I was never in default, never extended my credit limit, or otherwise breached any terms of the contract. 

Please either reinstate my account, or provide a detailed justification for the closure Also provide a refund of the annual fees given that services paid for are not provided, leading to deceptive and unfair practice.
Consumer complaint received 2020-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (VA)

Please delete this account from my credit report because they are reporting inaccurate information. The company XXXX XXXX  # : XXXX. This company XXXX is reporting inaccurate information and the tradeline should be removed as soon as possible. I received a response from the collector that states that they received the account in XX/XX/2019. However, they are reporting 2 separate dates, XX/XX/2019 and XX/XX/2019. I have never agreed to authorize this merchant to collect on this balance which are reporting as late and at this time the information that is being reported is considered misrepresentation with false information provided to 2 credit bureaus. The company is also reporting under 2 separate names and providing negative payment history. The CRAs have an obligation to report accurate information, please stop this company from damaging my credit with this incorrect information.
Consumer complaint received 2020-03-15
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (NY)

Ally Bank is still showing an open account for a lease that ended and was paid in full. Their account remained open after the lease was paid in full and the car was given back. There was a delay in the bank arranging pick up of the vehicle which was their problem. I paid off my lease in full. They are still showing an invalid amount and open account status. This was paid off in full prior to the 39 months. Last payment was XX/XX/2017 lease ended XX/XX/2017. The onus was on Ally to make arrangements to pick up the car, no local dealership would take the car back. I started addressing the issues with Ally in XX/XX/2017 and multiple representatives were aware of this issue. I was advised numerous times that this was resolved and taken care of. However, this still remains on my credit report as an open account which is in error. I was advised nothing about any remaining balance or outstanding account. This is fraudulent and in error by Ally. I satisfied my 39 month lease in full and there was no balance remaining after that 39th month. This account needs to be closed as paid in full and reported to the credit bureaus as paid in full and closed.
Consumer complaint received 2020-03-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (FL)

My homeowners insurance is due immediately, if not paid my policy will cancel effective XX/XX/2020. I have sent 3 emails to Shell Point Mortgage requesting to pay my homeowners insurance from my escrow. My homeowners insurance is due to XX/XX/XXXX and to date they have not received payment.

Shell point Mortgage is the worse loan servicer on the planet. I am sick and tired of trying to work with them. To date I can't even make a payment on my mortgage through their website, it continues to state " this account cant make payments online ''. Plus my mortgage is current, so HELP ME UNDRSTAND WHY MY account is flagged. Shell Point Mortgage forces you to call in and wait on hold for over 1 hour. This is ridiculous. They did the same thing with my 2020 property taxes, paid them late after I reported a complaint for them.

I will not be put through any inconvenience if Shell Point Mortgage fails to pay my homeowner is insurance on time. 

The homeowners insurance is scheduled to cancel in 3 days from Monday XX/XX/2020.
Consumer complaint received 2023-02-13
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. (NC)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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.