davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-16
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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

On XX/XX/XXXX, I called Kohls credit card Custer service to pay off a balance in full amount of {$230.00}. There was a late fee associated with this payment and I was told on a recorded line that this late fee of {$28.00} would be waived. This late fee was not waived and I received a letter in the mail in XXXX stating that this late fee was not payed when I was told this was waived. Kohls will not allow me to get a hold of this recording on XX/XX/XXXX with the customer service representative. My credit score dropped about 80 points because of this late fee of {$28.00} and I would like to dispute this and remove this from my credit report. Customer service at Kohl 's will not provide me any information on this recorded conversation nor did they perform a proper investigation on this dispute.
Consumer complaint received 2021-06-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: FC HoldCo LLC (VA)

I had a vehicle loan with Flagship Credit Acceptance, the vehicle was totaled out on XX/XX/XXXX by XXXX XXXX XXXX. XXXX XXXX payed off the vehicle and GAP insurance that was through Flagship was never filed after I submitted the Gap paperwork, they are reporting this loan as a charge off. The company has been unreachable since the beginning of covid-19 lockdowns. This loan needs to be closed out with paid in full and all the negative remarks on my credit corrected. 
Vehicle : XXXX XXXX XXXX VIN : XXXX
Consumer complaint received 2020-03-17
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: Continental Finance Company, LLC (TX)

Sent written letter to XXXX XXXX ( inquiry date XX/XX/2020 ), XXXX XXXX, Continental Credit, and Continental Finance Company , LLC notifying them that my XXXX credit report showed unauthorized hard inquiries they had made and that I was not aware of. I requested that these inquiries be removed immediately. These inquiries have been cited recently as a reason that I am not able to be approved for credit. I also sent a copy of my XXXX   credit report showing the inquiry. In addition, as per the instructions from the FTC, I sent a written notice to XXXX that these inquiries were unauthorized. As of today XX/XX/2020 the unauthorized inquiries have NOT been removed. 

As the names of the companies and the dates of the inquiries are clearly shown on the credit reports, the facts are clear that these companies are the correct companies to contact and are the correct companies to remove the inquiries. This is indisputable and a violation of FTC statute, so I am requesting an immediate removal from my credit report before further damage is done.
Consumer complaint received 2024-04-20
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (WV)

Nothing seems correct nor has been correct nor fixed with my student loans. I've been paying on since XX/XX/XXXX. They started with Sallie Mae then transfered to Navient then some where taken over by XXXX and two others where kept with Navient. According to them I have paid XXXX of interest just interest not including the captialized interest. I've paid XXXX on the principal. According to there email response " The disbursement amount of the loans was {$36000.00} ''. As of today XX/XX/XXXX according to the website that total is now {$44000.00}. Navient also has a two other set of my loans which are private FFELP. Original amount XXXX. Now {$6900.00}. I've paid XXXX in interest and XXXX towards principal for a total of XXXX. From what I can gather Sallie Mae / Navient are at fault and have failed to apply payments correctly as well as captializing interest in order to increase the principal. Putting loans in Forberance multipule times without my permission to increase the principal. Adding rebate reversals applying payments late as well as submitting income repayment applications late or delayed in order to increase the principal. I mean look at the amount of just interest paid. That on top of taking out student loans then needed. I went to XXXX XXXX XXXX  for one and I had grants etc totaling over {$20000.00}. I have reached out to Navient and XXXX as well as the Education Department.
Consumer complaint received 2021-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My Name is XXXX XXXX i am reporting a federal violation that i need to be resolved immediately transunion is reporting XXXX XXXX XXXX pursuant to 15 USC 1681 b ( 2 ) without my written permission Transunion. I demand that this be removed from my reports no consent is identity theft, and I need for this to be removed immediately if not I will take legal actions. I sent Transunion a letter stating these violations. This is illegal
Consumer complaint received 2022-03-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (TX)

My husband and I bank with Chase, but our car loan was with XXXX XXXX. We decided to pay off our car loan but werent sure how to go about it. We contacted XXXX XXXX first but were told we could not pay $ XXXX by phone and that we would first need to increase our credit limit and visit a XXXX branch in person to make a payment abs we could use a debit card to do so. Next, we called Chase and explained that we wanted to make a $ XXXX pmt on our XXXX loan abs asked what we needed to do. Their only helpful suggestion was to increase our credit limit for the day. My husband then went into ya XXXX branch to make the pmt. His banker was a young girl who seemed new and didnt know how to process his large pmt. My husband offered to go to Chase to get a cashiers check and speed up/simplify the process. The banker said she would get her manager to help her. The manager then did over rides and told my husband, let me try this after asking for his debit card. A day or two later, we noticed a non ATM fee of almost {$900.00} charged to our account. Not once were we ever advised of the possibility of a bank fee if we allowed our debit card to be used to process our $ XXXX pmt. We opened complaints with both XXXX and Chase executive depts. XXXX stated the bankers who assisted my husband claimed to have informed him they were processing a cash advance and advised him of possible fees-this is a complete lie. The signature line of his receipt is blank. Nothing was explained, she did over rides on everything and nothing was explained. As for Chase, they said despite failing to disclose or inform us of fees by phone-their bank fee schedule is available online so that protects them from needing to assume responsibility for failing to disclose a fee to us. Please help. We need our {$900.00} back. That was our mortgage payment for XXXX.
Consumer complaint received 2024-04-20
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc. (CA)

I've recently purchased my annual free credit report and noticed unauthorized inquiries on my report. I have credit cards and other accounts in my name that I do not recognize. I know it has to be something I can do in-regard 's to removing these hard inquiries. According to the Fair Credit Reporting Act, Legally these unverified & unauthorized items must be removed.
Consumer complaint received 2021-06-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: JPMORGAN CHASE & CO. (CA)

I obtained a loan from Chase in XX/XX/2019 to finance an end-of-lease buyout. In processing the title transfer from XXXX XXXX to Chase Auto, Chase failed to pay a {$50.00} title transfer fee so the XXXX rejected Chase 's paperwork. I have been unable to renew this car 's registration since 20 months ago and therefore can not drive the car. I have made many calls, emails, secure messages and I am unable to resolve this problem.
Consumer complaint received 2021-06-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

In XXXX of XXXX, I followed the instructions provided by Bank of America to access a paycheck protection program loan. My business was started in XXXX of XXXX so I submitted { per instructions ) my first quarter payroll in order to calculate the amount of the loan. I was found to be eligible for XXXX In XXXX of XXXX I applied for paycheck protection program loan forgiveness. Bank of America has been 'reviewing ' my application since XX/XX/XXXX. 8 days ago the bank sent me an email stating that a large portion of my loan was not eligible for forgiveness because I was not eligible for XXXX. I called the bank and received clarification. The bank was using the incorrect documents to calculate the amount that I was eligible for. This is easily resolved ... I just need to upload a letter of explanation. I have called twice in the past 8 days and received the promise that the portal will be opened so I can get this issue resolved. The portal is not open, I can not upload the necessary documents and Bank of America sent a follow up email stating that my application for loan forgiveness will be canceled in 7 days. I will then be liable to pay back the entire loan amount. There is no way for me to communicate effectively with the bank and to provide the requested clarifying documentation.
Consumer complaint received 2021-06-17
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: Experian Information Solutions Inc. (IL)

I have notified the collection agencies/original creditors several times and notified them 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 2022-03-26
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. (IN)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, # XXXX, # 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
Consumer complaint received 2021-06-17
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. (IL)

I have notified the collection agencies/original creditors several times and notified them 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 2021-06-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (CA)

Respected Officials, I noticed that wellsfargo ebill payment feature is showing an invalid amount. 

The amount shown is {$12000.00} for a credit card bill. 

The amount is incorrect because the balance has been paid in full. 

I request wellsfargo to fix this. 

XXXX XXXX XXXX CREDIT CARD XXXX eBill due XX/XX/21 {$12000.00}
Consumer complaint received 2021-06-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (GA)

XXXX XXXX has been reporting incorrect dates to the credit bureau, which has caused this debt to be on my credit report longer than it should be. This account was not open in XXXX. I have not had a XXXX account open since XXXX.
Consumer complaint received 2020-03-17
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: Experian Information Solutions Inc. (AR)

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts form my report. 

US DEP ED XXXX {$6200.00} US DEPT ED XXXX {$8700.00} US DEP ED XXXX {$5000.00} XXXX/XXXX  XXXX {$140.00} XXXX XXXX XXXX XXXX {$170.00} XXXX XXXX {$8300.00} XXXX XXXX XXXX  XXXX {$160.00} XXXX XXXX XXXX {$1400.00} XXXX  XXXX {$420.00} XXXX  XXXX {$450.00} XXXX  XXXX {$200.00} XXXX  XXXX {$50.00} XXXX   XXXX {$200.00} XXXX XXXX XXXX {$400.00} XXXX   XXXX XXXX {$56.00} XXXX XXXX XXXX {$200.00} XXXX XXXX XXXX {$170.00} XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$420.00} XXXX   XXXX {$8300.00}
Consumer complaint received 2021-06-17
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. (DE)

I asked this company for a investigation on items that was previously disputed I was never provided any results by mail as I asked for in my investigation I attached proof that I asked this company for proof of the outcome of my investigation and it was never received. I consulted a attorney and asked what should I do I was advised to get a police report and ask for a investigation I did that and had yet to here back. I provided this company letter that I received from my local police department and a FTC report and my identification card. When I contacted this company to notified them that I sent this certified mail the company denied ever receiving this information so now I'm filing a complaint because this isn't right and other people should know how they are treating people that are regular American citizens that served this country and was robbed my identity from theft and because this company make money off of people having as many account on there credit report good bad or even if they are destroying your life and your financial freedom I will get justice and I will file a law suit pending the outcome of this complaint. Thanks again
Consumer complaint received 2021-06-17
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. (OH)

I have attempted several times to fix an error with Equifax relating to an inaccurate account. The account in question is XXXX XXXX. I have disputed this account due to the inaccuracies reporting. Equifax has failed to follow FCRA laws relating to accurate reporting related to this account. Date assigned is inaccurate, original amount is inaccurate, late payment date is inaccruate. Most importantly, there is improper reporting across the three bureaus. XXXX and XXXX don't even have data relating to the said account. Under FCRA, I am requesting this account be deleted. This account has impacted me in obtaining credit from lenders.
Consumer complaint received 2021-06-17
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Persolve, LLC - Legal - Series 2 (FL)

I am the consumer I am currently going against a third party debt collector who claims that i owe them XXXX but my consumer report shows XXXX i do not owe this company anything we have never did business together. 15 usc 1692 h this company is abusing me and my reputat pursuant to 15 USC 1692G ( A ) admission of liability states the failure of a consumer to dispute the validity of a debt under this section may not be constructed by any court as an admission of liability by the consumer .There shall be no judgement this a violation of my federal rights. I am the original creditor and my contract states that the vechile was secured via security interest the contract states that to secure obligations you give us first priority security interest in the vehicle 18 usc 914 i am the original creditor to make my claim even more factual i will elaborate on how My car was repossed by the organization that extended the credit XXXX They actually took the car sold it at a auction and advised me that they would be repaying me the profits. if I am the one who owes this alleged debt please answer this how do they owe me any money? I have also reached out to this company demanding that they cease all contact with me I have been harassed for over a year now and I have never did business with this company under federal law you can purchase a debt but you can not purchase my personal information Address, phone number etc as a consumer I have a right to privacy pursuant to 15 usc 1692 ( a ). I have sent over a validation of debt pursuant to 15 usc 1692g i am disputing this alleged debt and validation from persolve XXXX  XXXX.
Consumer complaint received 2021-06-17
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. (TX)

XX/XX/2020 I filed a partial bankruptcy on XX/XX/2020 it was dismissed. I have contacted XXXX and XXXX and transunion. Requested that they validate where they are getting this information from and delete it off my credit. This was a public record which was dismissed and never given to them by the courts. I havent sent multiple letters asking for the item to be deleted from my credit only for them to continue to keep it on my credit. I can not move forward for my children sake with something on my credit that should not be..Please HELP!!!
Consumer complaint received 2024-04-20
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: KAHRS LAW OFFICES, PA (KS)

Kahrs Law office P.A. in XXXX, KS levied my XXXX XXXX XXXX XXXX account for XXXX dollars and took all of my money from my bank account and XXXX it out. XXXX XXXX XXXX XXXX acknowledged that they disclosed to Kahrs Law office my account balance, routing and account number to their office and XXXX XXXX which I know has to be illegal practices. XXXX XXXX XXXX XXXX claimed they were being " served " by the law office but I never got any letter in the mail or any communication whatsoever from Kahrs Law office, XXXX XXXX XXXX XXXX or the XXXX XXXX District Court where I live before the funds were put on hold and automatically drafted from my account on XX/XX/2024. I live in XXXX XXXX, Kansas. The time limit statute of limitations for debt in Kansas is 5 years. This debt is almost 7 years old and is originally from XXXX XXXX. They claim it's XXXX dollars in debt and I never got anything in the mail or any communication/ letters or phone calls from their office saying I owe this amount to Kahrs Law office. This is an exaggerated amount of debt/ old debt and I am asking this debt be forgiven please. Thank you.
Consumer complaint received 2021-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CO)

I have written Experian, called AND spoke to 14 different people to no avail. Someone hacked my credit and I got all three reports locked. Once locked I was able to unlock XXXX and XXXX in order for me to use my reports to acquire new credit. I tried to unlock experian and I have had THEE most trouble trying to get them to unlock it. Not only am I unable to access my online experian report but they have still yet to unlock my actual report. I am at wits end to try and get this resolved as I need to apply for something, yet experian 's locked report is holding me back.
Consumer complaint received 2021-06-17
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. (TX)

You are receiving this letter because I over looked my Consumer Report and you are furnishing a few accounts that I dont recognize and/or believe are inaccurate. I assume that you have verified the accuracies of the accounts/items that prior to you furnishing the items on my Consumer Reports. I will need to provide me proof of the documents that you have verified the accuracy of all of the accounts I disputed. 

Pursuant FCRA, 15 USC 1681g, my right to demand that you disclose to me any and all of the documents that have been recorded and retained in all of your files at the time of my request concerning the accounts that you are furnishing on my Consumer Reports. 

I submitted these letters on XX/XX/2021 and I have not received a letter back from them and its been over a 30 day period.
Consumer complaint received 2020-03-29
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. (MO)

There are unverified accounts that remain on my report. I have tried multiple times to get these accounts removed ; the credit agency has not provided a method of verification yet they continue to report negative items that impact my ability to be approved for other lines of credit.
Consumer complaint received 2021-06-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I received a XXXX Statement from my Capital One Savor Card which indicated a balance of {$2900.00} due on XX/XX/XXXX. On the statement itself it clearly indicated as the balance subject to interest being 0.00 % apr as I was in a promotional period. I knew my promotion would end soon so I wanted to pay the entire balance before the due date which I did on XX/XX/XXXX. I then received my XXXX statement with an interest charge on my zero balance of {$28.00}. 

I called the company and was on the phone with them for 45 minutes and they were unable to correct the incorrect charge. I closed all my credit cards with capital one bank as I can not continue to due business with a company that would not honor their own promotions and their own statements.