davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

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 ITEMS 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX TX XXXX
Consumer complaint received 2017-07-17
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. (CA)

COMPLAINT :  XXXX , EQUIFAX,   XXXX    40 MILLION CONSUMERS IN CAL.  12  MILLION CONSUMERS IN   XXXX   XXXX   COUNTY.
1. AS YOU KNOW, I MAYBE   XXXX   XXXX   XXXX   XXXX   XXXX   IN CAL IN 2018.
2. AS A   XXXX   XXXX  , I AM GETTING TIRED OF THE ABUSIVE GAMES THE CREDIT REPORTING AGENCIES DO TO ALL CONSUMERS : A : WHY WHEN YOU ARE TRYING TO GET A MORTGAGE DO THE CREDIT AGENCIES GET ABUSIVE : 1. WHY CA N'T YOU HAVE UP TO   XXXX   INQUIRES WHEN A CONSUMER IS NOW SHOPPING TO GET THE BEST RATES AND TERMS FOR A HOUSE???
2.WHY WHEN YOU TRY AND RENT A HOME ARE THE CREDIT AGENCIES SO ABUSIVE AND NASTY : YOU CAN NOT HAVE MORE THAN ONE INQUIRY : YOU CREDIT SCORE WILL GO DOWN : ABUSIVE : YOU CAN NOT SHOP AROUND FOR THE BEST RATES IN MGT.
WE WILL ABUSE YOU : YOUR CREDIT RATING WILL SUFFER : SOLUTION : NEW CONSUMER BILL OF RIGHTS 1. YOU CAN HAVE  XXXX  INQUIRIES EACH YEAR ON YOUR CREDIT REPORT WHEN SHOPPING FOR A HOUSE OR TO RENT : A : IF THE CREDIT AGENCIES ABUSE YOU AND YOUR RATE GOES UP : CLASS ACTION LAWSUIT AGAINST CREDIT AGENCIES : 2.SOLUTION : IF THE CREDIT AGENCIES ARE WORKING WITH BANKS TO INCREASE THE RATE AT WHICH A CONSUMER CAN GET A CAR LOAN, HOUSE LOAN GOES UP : ARE THE CREDIT AGENCIES COLLUDING WITH THE BANKS TO SEE IF THEY CAN STEAL MORE FROM THE 40 MILLION CONSUMERS IN CAL, THE 12 MILLION IN   XXXX   XXXX   COUNTY : EXPLAIN TO ME WHY MY CREDIT SCORE GOES DOWN WITH ONE AGENCY AND UP WITH ANOTHER : SHOULD THERE BE A CLASS ACTION LAWSUIT AGAINST ALL CREDIT AGENCIES OF ABUSING THE CONSUMER AND CHARGING HIGHER RATES TO THE CONSUMER???
Consumer complaint received 2021-12-23
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. (TX)

I got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.
Consumer complaint received 2017-06-01
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 (MD)

Wells Fargo Home M ortgage is reporting incorrectly as a foreclosure on my credit file with all  XXXX  of the major credit bureaus. The property was not foreclosed on it was an approved short sale that went thru to completion/ closing without any problems. I previously disputed the status of the account with the credit bureaus however the only change was to note that I disputed the account.
Consumer complaint received 2023-10-09
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

Capital One has allowed my credit card to be charged in the amount of {$780.00} by third-party seller XXXX. inc as a recurring transaction after my credit card number was changed. Third Party XXXX XXXX did not have my authorization or my new credit card information, they used the " data press '' process. I have disputed the charge and they refused to return my money back to the account. I had to open the second dispute and provide them with all information and confirmations for fraudulent charges including a copy of XXXX XXXX XXXX they refused to revise it and allowed the charge to go through my account. 
From XXXX XXXX : SEC. 4. NEGATIVE OPTION MARKETING ON THE INTERNET. 
It shall be unlawful for any person to charge or attempt to charge any consumer for any goods or services sold in a transaction effected on the Internet through a negative option feature ( as defined in the Federal Trade Commissions Telemarketing Sales Rule in part 310 of title 16, Code of Federal Regulations ), unless the person ( 1 ) provides text that clearly and conspicuously discloses all material terms of the transaction before obtaining the consumers billing information ; ( 2 ) obtains a consumers express informed consent before charging the consumers credit card, debit card, bank account, or other financial account for products or services through such transaction ; and ( 3 ) provides simple mechanisms for a consumer to stop recurring charges from being placed on the consumers credit card, debit card, bank account, or other financial account.
Consumer complaint received 2024-06-11
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (AR)

On XX/XX/year> I entered into an agreement with Chase to pay for a purchase of {$1900.00} over 18 months utilizing their chase plan. The company engaged in fraudulent and deceptive practices by not fully disclosing their terms which resulted in my chase plan being paid off 12 months early without my approval. Specifically, it was communicated to me by their phone support supervisor that it is company practice to apply any credits to the chase plan instead of to the balance not subject to chase plan. I was instructed to remediate the issue by creating another chase plan which would result in an additional fee to be paid to Chase. Chase has violated the terms of our agreement by misapplying credits and engaged in deceptive business practices to earn more fees to the detriment of consumers. The company requires a click approval of terms prior to the transaction taking place, and the information provided is the most reasonable method to communicate the true and correct terms of the transaction. Further, even if they may positively assert that the terms were previously communicated, It is unreasonable to expect a consumer to avoid other unrelated purchase adjustments/credits, and to know in advance to do so, when these supposed terms are omitted from the terms document I approved & retained. As such, Consumers are not reasonably able to avoid injury ( in the form of additional fees or breach of terms ) due to these material changes in their program. Therefore, Chase engaged in Unfair, deceptive, or abusive acts and practices ( XXXX ). 

The company refuses to correct the situation they created by altering our agreement and I am otherwise forced to take their unjust treatment and incur additional fees.
Consumer complaint received 2023-10-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (NY)

Called Chase to close checking account on XX/XX/23. got a secure message on XX/XX/23 stated the account was in the process of closing. I'm aware that if the fund is grater than {$1500.00} It'd take longer to process. today is XX/XX/23, almost two months, still no refund.
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (NY)

I am filing this complaint to DISCOVER BANK for allowing the fraudulent account on my credit report. I filed an FTC report with the identity theft report number XXXX. 
As I checked my credit report these fraudulent account is still reflected on my credit reports. I was expecting that I can count on them to protect my information and to provide accurate credit reports. There are multiple inaccurate information on my credit report the balances, date of late payments, payment status, date of last payment, and violation under FCRA policy. I have attached the FTC report together with my driver 's license and proof of address.
Consumer complaint received 2023-10-08
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Bankruptcy
Company: Nelnet, Inc. (NC)

Nelnet keeps trying to pursue collections despite XXXX XXXX filing on XX/XX/2023 in NC XXXX XXXX Bankruptcy Court in XXXX, NC. The case number is XXXX. 

I am represented by legal counsel in this matter. My lawyer is XXXX XXXX of XXXX XXXX XXXX, XXXX in XXXX XXXX NC
Consumer complaint received 2024-06-11
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CREDIT ACCEPTANCE CORPORATION (OH)

XXXX XXXX XXXX XXXX XXXX who represents Credit Acceptance filed a garnishment with XXXX XXXX Common Pleas court, the information was sent to an old address and I didn't receive it to way after which caused me to be unaware of an court hearing to contest to the garnishment or discuss options, this is for a vehicle that was repossessed that credit acceptance sold for a low amount at auction and sued me for the remaining balance, I spoke with XXXX to see if we can lower the garnishment because I am a XXXX XXXX and trying to maintain my current bills such as rent, utilities that I'm currently past due on due to the garnishment, XXXX sent me an agreement to sign back in XXXX to lower it from 25 % to 15 % and also on the agreement it said I would be refunded due to the adjustment % and nothing has been done, I even checked the court docket and they haven't received the update from XXXX, this has now caused me to be further behind on rent and is now facing eviction, which is goin to force me to file bankruptcy because I can't afford to pay rent due to the almost {$600.00} in garnishment every month, which is way more than my original term auto loan contract with credit acceptance, ive tried several times to contact XXXX and left message ans no return phone calls,
Consumer complaint received 2023-10-09
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (NY)

I have identified this account as fraudulent numerous times since initial discovery in 2022. I would like to identify how the account was establish and with what information due to the repeated verification of the account. I am requesting copies of documents and applications acquainted with the establishment of the account.
Consumer complaint received 2024-02-06
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. (AZ)

To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ).

Please remove these unverified and incomplete items listed below : 1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA (MA)

Hello, I pulled my credit report today XX/XX/23 and noticed my Hyundai account was still open and showed a past due amount. I leased a car from Hyundai which was totaled in XX/XX/2023. 

When I called Hyundai to get information on my account the automated system informed me my account was paid in XX/XX/XXXX by my insurance company. A balance of {$0.00} shows on my Hyundai online account. I would like my credit report updated to reflect the correct information. 

Thank you, XXXX
Consumer complaint received 2017-07-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I notified Transunion about some inquiries that were not authorized by me. I wrote a letter to them stating this and I never received any follow op informations regarding their actions. I also called them and they did nothing to help me.
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CARCO Group, Inc. (TX)

Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.Thank you for your time and help in this matter. 

inquiries that I am unaware of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also there is many inaccurate previous addresses that are very old the only XXXX that should be listed isXXXX XXXX XXXX XXXX XXXX XXXX XXXX please have it removed .thank you.
Consumer complaint received 2023-08-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC (VA)

My identity was stolen by this company. They are attempting to collect a debt and I have no legal written or binding contract with this company. 

Consumer law code 15 USC 1681 ( Q ) and 15 USC 1681 ( A ) ( 2 ) If any person uses my information without permission that is identity theft. There must be permissible purpose. I did not give permission to report this or any account on my consumer credit report, therefore, this is identity theft as National Credit Adjusters used my information and publicized it.
Consumer complaint received 2024-06-11
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc. (MD)

I purcahsed XXXX item in XXXX online my order total was {$300.00} some of the items were backorder {$38.00} my credit card was charged {$410.00}. I have been calling the company since XXXX about this and wrote a letter on XXXX providing them with copies of my online order and the details. I have ask them for details as to what was in the orders that they are charging me for since the statement only has the amount being charged. I haven't received that information. I have paid the interest and late fees for the first month. Since I talked to them I don't feel I owe more late fees and interest charges, how can they expect me to pay for items that I never ordered or received. On XX/XX/year> I also ask for my credit card to be closed.
Consumer complaint received 2017-07-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: BB&T CORPORATION (VA)

I purchased my   XXXX   XXXX   XXXX   in    XX/XX/XXXX  with a 66 month auto loan from   XXXX   XXXX   XXXX  . The percentage was 22 % interest. The loan amount was for {$15000.00}. It has been 73 months and I have paid them {$21000.00} so far for this car. They tell me I have a balance of {$14000.00} that they say I still owe them. As a result, when I am done paying for this car I will have paid them more than {$36000.00}. According to the contract, the total number of payments they were to receive after the 66 month term is {$27000.00}. The extra amount they are telling me is due to interest which is charged at $  XXXX /day plus a monthly late fee of {$20.00}. During this loan, I was out of work once for recovery from   XXXX   and again for loss of job. Therefore, I have had to have extensions on my loan. I have been struggling to pay this down at a $  XXXX /month payment fee. I can not get ahead because they are always putting extra fees on my payments and then they call me and harass daily and threaten to repossess my car. I have paid this loan for 73 months now and they are telling me that as of XX/XX/XXXX , my contractual loan with them will be done and they will charge me a balloon payment of over $ 10K! I have offered to settle this debt for a lump sum of {$5000.00} and was told that they would not consider less than $ 11K! This is an impossible debt and it is a predatory lending at its worse!
Consumer complaint received 2017-06-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: U.S. BANCORP (AZ)

US bank intentionally misleads consumers to collect fees. I have been charged  XXXX  late fees at  XXXX  dollars a fee. That 's over  XXXX  dollars that I only recently discovered. I do not have online access to my account and therefore I make payments via telephone. The automated system give me a balance due but does not mention a late fee. The balance is the same every month so I was not suspicious. My payment is due at the beginning of the month and I always pay within the first 14 days of the due date. I was never informed of the late fee or the lack of a grace period. Furthermore I attempted to extend the due date years ago and was told it was not possible. My auto loan would have been paid off three months ago if not for these excessive deceptive fees . US bank is obligated to inform clients about fees and discuss options. This is not the first time I have been mislead by US bank . When obtaining the autoloan I opened up a checking account with them to receive a discount. The charged a  XXXX  dollar fee after telling me it was free. The fee overdrafted the account. It cost me  XXXX  dollars to close the account. I will dedicated my life to preventing others from doing business with US bank.
Consumer complaint received 2023-10-10
Product: Payday loan, title loan, personal loan, or advance loan — Earned wage access
Issue: Issues with repayment — 
Company: MoneyLion Inc. (MD)

Between XX/XX/XXXX and XX/XX/XXXX I called money lion several times. I have been a member of money lion for several years. I use them for XXXX XXXX XXXX  and I have used them for their credit builder plus loans. At the end of XXXX I notice there was a XXXX XXXX XXXX withdrawal on my account and the money was put into an account that was not mine. From an institution that I have never heard of. I immediately reported this as fraud on XX/XX/XXXX. This company is the worse company ever. There is a clear language barrier and i have spent countless hours explaining the same thing to several people with no resolution. This is my credit that's on the line and i need to speak with a competent person who can assist with my account and the details of my account so that im assured that im not going to be responsible for this fraud and my credit builder plus loan is not going to be reported late. 

I was told initially my fraud investigation would take 5 days. Its been over a month and i call and follow up weekly and there is no new information. Whenever i ask for a supervisor they tell me one isn't available. After holding for an hour im told they still need to research the information on my account and someone will call me back but NOONE ever calls back. 

This credit builder plus loan reports directly to my credit and my main concern is making sure that loan does not get reported delinquent on my account. They keep telling me i need to make payment on the app and ill i need to do is reset my password. Well its no surprise that i can not reset my password because ever since my account was hacked and i reported it as such i stopped receiving password reset emails and they insist on telling me they are sending me emails and i keep telling them i can not get their emails to the email they have on file. I requesting changing the email but their telling me they can not do that either they have to use the original email with seams absurd. Today XX/XX/XXXX i spent XXXX hours hanging up and calling back praying to get someone competent on the phone who can help me to know avail. I'm told the dedicated team is working on my account and they will call me back. I'm fed up its horrible to have consumers spend hours and hours and hours trying to resolve a potential financial issue and the company completely disregard my concerns have no sense of urgency for this matter as I was originally told 5 days and its been over a month.