davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (FL)

I had an auto loan with Wells Fargo, and that stated I had several late or missed payments which I never did. I also used it as a trade in and they reported it as closed delinquent account instead of paid off early which has damaged my credit report Ive tried for two years to fix and nothing.
Consumer complaint received 2020-01-04
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Bliksum, LLC (CA)

I got a {$3000.00} on XX/XX/2018 loan from which they make me paid XXXX dollars the following month. 
Then {$350.00} every month after that, they told me that the loan interest was 35 %, so I call because its been already XXXX since I got the loan. 
And now the interest its been change!!! 
They want me to pay {$16000.00} I complained but they are not willing to help me.
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

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 XXXX XXXX XXXX. 


Account XXXX : Chapter XXXX XXXX XXXX XXXXXXXX : XXXX has violated my rights. Or list of inquiries XXXX XXXX XXXX section XXXX XXXX XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXXXXXX XXXX  XXXX. ( a ) ( XXXX ) XXXX 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 XXXX years. 

XXXX XXXX. XXXX XXXX XXXX  ) ( XXXX ) 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 2022-06-06
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. (NC)

In accordance with the Fair Credit Reporting Act the following companies with the following accounts have violated my rights. 
15 USC 1681 Section 602A states I have the right to privacy. 
15 USC 1681 Section 604A Section 2 : also states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX Acct # XXXX XXXX XXXXXXXX Acct # XXXX XXXX XXXX  ( Original CreditorXXXX XXXXXXXX XXXX ) Acct # XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX Acct # XXXX
Consumer complaint received 2023-02-28
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. (AZ)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$570.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$630.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$300.00} XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$550.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$650.00}
Consumer complaint received 2022-01-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (NJ)

I live in XXXX XXXX NJ. A blank unsigned check was stolen from my car. It was written for {$4000.00} and forged ( with a non matching signature ) and deposited in to the thief 's account at the same bank I bank with, TD Bank. I called TD customer service when I noticed the withdrawal and alerted them of the fraudulent check and froze the account immediately. Later that day the thief went back to the same TD branch and tried to withdraw the funds. The bank called me to question the transaction and they were alerted it was fraud. They wouldn't call the police with the thief in the lobby or help detain him, however I was able to get the police to the bank. The thief was arrested and charges are being pressed for the check/theft. An affidavit was filled out at the bank and notarized and sent in for processing. It has now been a month, and nothing has been done. The bank hasn't called me or even sent me a letter acknowledging the incident. I have called in to customer service and they say it's under investigation but that department can't be contacted. They then told me to take it up with the branch. I spoke with the branch and they alerted me it's in TD 's hands and that they have done everything they are supposed to do. No one has taken responsibility for the situation and everyone seems to point the finger to someone else. The bottom line is the bank should have checked my signature on file and never cashed the check. Even if they did, the transaction was from a TD to TD account, so it should have been a quick reversal. Not sure how much investigation needs to take place when the person was arrested for the check in their own bank lobby. It's not fair I should be out the {$4000.00}.
Consumer complaint received 2022-09-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: ProCollect, Inc. (TX)

good evening the debt is not owe the account is XXXX XXXX XXXXXXXX date XX/XX/XXXX next account XXXX XXXX XXXX XXXX XXXX, next account XXXX XXXX XXXX XXXX date XX/XX/XXXX. never do bussiness with these company under the rule of Law information should by private under section 602 rule please delete these account from my creadit file please thank you very much
Consumer complaint received 2020-01-04
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (MO)

I have Parent Loan and have tried again and again to lower the payments by every option Navient offers. They consistently recommend Forebarence rather than lowering the payments based on income. My income has dropped by more than 50 % since we took out this loan for our son and now the amount is astronomical Started at $ XXXX in XX/XX/2006 now it is $ XXXX due to the {$40.00} per month late fees and capitalized interest that reach over {$2000.00} a month at times they give me and the unreasonable payment structure they demand. The only action they have allowed me to take is forbearance, which just makes the situation worse in the end. I have also repeatedly asked for proof of ownership from Navient due to the loan being transferred several times to different vendors and they have ignored my request each time.
Consumer complaint received 2020-01-04
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MD)

My XXXX XXXX was filed in XX/XX/XXXX and paid in full and discharged in XX/XX/XXXX. It shows discharged with the 3 CRA 's and only XXXX has removed it totally. XXXX and Equifax have not. It's XX/XX/XXXX and it's the full 7 seven years showing on my credit. Just please asking for the information to be early exclusion and removed.
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I demand these unknown companies : XXXXXXXX XXXX XXXX, and XXXX XXXX XXXX to immediately be removed from my consumer report! Unless there is proof that I signed giving permission for any authorizations, giving permission for any types of transactions with these said companies, if there is no such proof, then this is IDENTITY THEFT I need to immediately be removed no later than 4 days according to 15 USC 1681c-2 Block of Information Resulting from Identity Theft and I will be coming after Equifax for continuously allowing this on my consumer report after several disputes and will be collecting {$1000.00} per violation according to 15 USC 1681n-Civil Liability for Willful Noncompliance and fir violations of 15 USC 1681eb Compliance Procedures ( b ) Accuracy of Report
Consumer complaint received 2023-07-15
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (GA)

On XX/XX/XXXX, I paid {$31.00} of a minimum payment of {$66.00} due on my Amazon Store card. Three days later on XX/XX/XXXX I paid the remaining {$34.00}, and was charged a late fee of {$40.00}. This penalty amounts to an annualized interest rate of 14,116 % ( not a typo, over fourteen thousand percent ). 

Amazon Store Card advises they can only waive one late fee a year.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

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 2020-01-04
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with cash advance — 
Company: Harpeth Financial Services, LLC (VA)

XXXX XXXX - Inadvertently made a payment to loc by ACH. The wording is easily misunderstood payment page. Everything online and in email states that the full line of credit is available immediately. However, when you try to readvance it tells you you have to wait for the payment to clear ( 10-14 business days when you speak to customer service ). Discussed this with the supervisor at that time who gave me a one time courtesy advance on the same day. 

XX/XX/XXXX - Did it again. They can see the payment but can not change it. There's no alternative once you hit submit. There isn't even an overview page to confirm what you want to do. And once again, I am told that my full line of credit is available immediately but can not access it. 

The website needs to be fixed. Payment needs to be confirmed before processing or consumer should have the ability to make adjustments to payment information/cancel the payment within minutes of hitting submit. The wording on payment confirmation needs to be updated to reflect what is actually available vs. showing the full amount if it is infact NOT available. 

Hi, Thank you for payment of {$2600.00} on XX/XX/XXXX towards your XXXX Loan. Your payment details are listed below. 
Loan Agreement # : Payment Amount Received On : XX/XX/XXXX Next Payment Date : XX/XX/XXXX You have {$3200.00} available on your XXXX  Loan account. You may withdraw from your line of credit at any time and on any day by visiting our website XXXX or any of our 24/7 Advance Financial stores. 
Thank you once again for choosing Advance Financial and for your continued business. 
Kind Regards, Your Friends at Advance Financial
Consumer complaint received 2024-04-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/24, I have a XXXX XXXX XXXX XXXX which I got paid. Cash of XXXXXXXX XXXX, I stopped by chase bank in XXXX XXXX XXXX which is the bank. I save around XXXX XXXX to deposit the money of {$5000.00} into my account for payment and other expenses I owe, I use my ATM card and deposited the money, after I deposited the money, the receipt from the ATM gave me show no indication of the amount of money deposited into my account but shows an error that the ATM is broken and do not accept cash show no indication that the money was deposited into my account, either I took a screenshot which indicate the ATM machine is broken. The amount of money was not registered into my account either. I called Chase bank claim department and with the number on the receipt I reported the situation if they can look into the camera and the evidence and the screenshot that I have to deposit XXXX XXXX cash but but the ATM is broken and error and did not indicate the amount of money into my account the claim number was XXXX, they they refunded XXXX but later on after four days went back into my account and took XXXX XXXX XXXX from my account since then I have tried calling Chase Bank claim center to file a new claim. Talk to the supervisor try to resolve if they can put the money back into my account to know avail I spoke to XXXX XXXX and branch manager, XXXX XXXX, and all they said they have closed my case, and they have exhausted all the investigation towards this matter and kept my money. I feel like somebody need to help me, but they have denied all my claim and my evidence that I provided to them and still did not refund me my money back, please I need help because I have just a small business to Survive And And I think they can check the cameras the receipt I showed them and the amount of money they retrieve from the ATM after I reported the incident Thanks XXXX XXXX.
Consumer complaint received 2020-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (FL)

Equifax did not have my loan info. on file, so I added it, when I did it suddenly showed 2 installment loans. I deleted the one and then they showed NONE on my report taking my credit score way down. I filed a dispute with them, they did NOTHING once again, I can not get them to answer me on the phone why this is not on my report, I gave them the loan #, the amt. the everything but yet EQUIFAX refuses to fix my credit score. Why are they allowed to play games with peoples credit when they are supposed to be regulated? I have asked you for help before and YOU did NOTHING .... XXXX is it going to take????????????????????????????????????????????????
Consumer complaint received 2019-11-30
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. (FL)

Had accident and was in hospital and later XXXX. XXXX. May have been trying to reach me during this time when I was hospitalized or when I was later at home under heavy medication. On the sister account, they had me listed as deceased. I tried to make payment on my account and could not. On XX/XX/XXXX I called again and was told my account was charged off that same day and pending sold to a collection agency. I tried to persuade the company to let me settle my account but they told me to call back in 72 hrs to find out where my account was sold. The account was for about {$290.00}. I dont want to get negative credit for that when I tried to pay.
Consumer complaint received 2023-01-21
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. (FL)

Please investigate and delete the following account as the last payment on the account was made over 7 years ago : XXXX XXXXXXXX XXXX  account XXXX In response to my previous complaint regarding this matter, Equifax advised that XXXX XXXXXXXX confirmed that the last payment was made less than 7 years ago but did not provide any proof or even say what the date of the last alleged payment was. Please request XXXX XXXX to provide that information to support their allegation.
Consumer complaint received 2020-01-04
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc. (TX)

I have an account with XXXX XXXX XXXX. I recently scheduled a payment on XX/XX/XXXX to be debited from my bank account on XX/XX/XXXX. I have done this several times in the past. Over the past week I have received no less than 15 phone calls per day from Conns even though I have already scheduled the payment for more than the amount due. This morning they called my Grandmothers home regarding my debt. I have never given them her number or permission to call that number.
Consumer complaint received 2020-01-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (NC)

LoanCare erroneously paid a higher tax bill in the amount of {$4900.00} when the correct bill was {$3300.00}. After numerous contacts with the company, LoanCare finally sent me an email stating that credit would be made to my escrow which still hasn't happened. Now escrow statement has been sent out with a higher escrow monthly payment due XX/XX/2020. 

I would really appreciate you looking into this and getting credit and escrow resolved ASAP. 

Also, your company 's customer service is horrible, but I'm sure you are aware of that from the internet reviews. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-09-05
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: NAVY FEDERAL CREDIT UNION (LA)

AGAIN NAVY FEDERAL CREDIT UNION has denied me for an emergency medical loan for {$2000.00}. Even though the last payments on my credit report are old ones, my credit score went up XXXX points. I am sick and tired of filing complaints against NFCU. As a veteran with over 35 years membership, I thought I could count on them. They have over {$4900.00} directly deposited every month. Yes, Im behind thats why I want to consolidate or get a loan so that I can have one bill ( the repayment of the loan ). I am very upset as I trusted NFCU to take care of their own. But it seems people who have money and people who lie can get money, but honest service connected veterans like myself catch XXXX trying to catch up which in turn affects our mental health. All I wanted was to catch up on my bills, thats it. I want this published because I hear a lot of complaints from veterans but I want others to see its ok to publish. It wont hurt. Thank you, XXXX XXXX, XXXX, XXXX
Consumer complaint received 2022-09-05
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Around the time i opened the credit card, i was making payments on time but i lost my job. And they closed the account put interest on it and sent it to collections. I has become a hardship for me because i cant get anything approved even apartments. 
your company is in clear violation of the law under 15 USC 1681b-Permissible purpose of the consumer reports the law Cleary states . ( b ) in Genral subjects to subsection ( c ) any consumer reporting agency may furnish a consumer report the following circumstance and no other. ( 2 ) in accordance with the written instruction of the consumer whom it relates. did I give you written instructions on my credit report? ( A ) Subject to section 1681s-3 of this title any ( i ) reports containing information solely as to transactions or experiences between the consumer and the person making the report. Delete the above late payments from my credit report. failure to respond satisfactorily with deletion of the above referenced account and send out a free copy of my credit report after changes have been made will result in legal actions being taken against your company, for which will be seeking {$1000.00} per violation for : 1.Defamation of Character ( per se ) 2.Negligent Enablement of identity fraud 3.Fair debt collection practices act 15 USC1692g violations 4.fair reporting act 15USC 1681 violations for willful noncompliance- 616. Civil liability for willful noncompliance 15USC 1681n Best regards, XXXX XXXX
Consumer complaint received 2023-07-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: JPMORGAN CHASE & CO. (PA)

I have contacted Chase Bank multiple times to inquire about what my interest rate has doubled in the past year. I also requested dates for when my account was reviewed. I have A1 credit there is noway my interest should be 28 %. 

No one can explain anything and when I request a immediate review of my account the customer representative and next level management cant be of assistance either. 

They a intentionally being vague with information pertaining to my account .I want them to be transparent with my account. And I want my account to be reviewed for a lower interest rate
Consumer complaint received 2020-01-04
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. (FL)

My score went down 27 points on an inquiry. The fact that they are unable to post real time and or correct debt information cost me financial harm and you as the alleged protection bureau do nothing. That's it in a nutshell FRAUD!
Consumer complaint received 2020-01-04
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. (GA)

Someone submitted a fraudulent application for a XXXX XXXX card. I contacted XXXX and they sent me a letter stating that the fraudulent inquiry would be removed from my credit report but it has not. This fraudulent inquiry happened in XX/XX/2019. The inquiry is still on my Equifax Report. Attached is a copy of the letter XXXX sent me saying that the inquiry would be removed and that they sent this letter to all the Credit Bureau reporting agencies but Equifax has yet to remove the fraudulent inquiry from my report.