davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-22
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. (MI)

XX/XX/2022, I contacted the compay to advise I was impacted by COVID ( owner of business died and my son 's father lost his job as a result. I lost income and was responsible for all bills ). I asked for my options to pause payments and requested a payment pause. In XXXX, I was able to resume payments and found my loan was 120 days past due. When my auto lease was due to be turned in, I was shown my credit score, which was severely impacted by missed payments on my student loans. I contacted the company and made payments. I was told I was only due for XXXX, which is not XXXX due and should not have been marked late prior to XXXX. Additionally, the company sent me text messages saying they are processing a Repayment Discharge. I feel XXXX 's practices are confusing, as when I make payments, I am unable to see how they are being applied since they split the total into 2 loans. Therefore, when they mark a payment late for credit reporting, it's 2 separate tradelines with negative reporting for the same payment, which is more negative to consumers. The confusing and misleading information communicated by XXXX is harmful to consumers and has had a huge, negative impact on my credit and ability to secure affordable borrow terms on future credit transactions.
Consumer complaint received 2019-06-12
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)

I contacted regarding MULTIPLE inquires that I am unaware of and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, you did not show my authorization as required by law authorization, written nor verbal I ask that you DELETE these non authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 

Replying to my CONCERNS with a letter stating to contact the companies that are listed on inquiries is not legal. 

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. 
Under 15 U.S. Code 1681i, Paragraph ( 5 )  Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete
Consumer complaint received 2022-04-03
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. (PA)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my XXXX consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B
Consumer complaint received 2019-09-19
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Nelnet, Inc. (TX)

T

his is a simple installment personal loan. They are charging daily interest as might be expected. But when you check the history on the loan their interest calculations are seemingly random amounts. Interest rate was 16.24 % on a {$50000.00} loan. With over 3 years of payments I still owe {$39000.00} any amortization schedule will show you something is clearly wrong with their math. In one case this year it shows only {$63.00} to Principal and the payment before or after that one was $ 500+ applied to principal. Essentially the problem has been they shift due dates, if 2 payments are made in a calendar month they do not consider it the next months payment. The biggest problem however has been getting anyone from the company to actually take me seriously as a customer. They just belittle their customers and will not explain anything about their interest or processes. It seems they shift due dates to try to get late payments or to get extra daily interest charges. I have a similar loan with similar terms and I have paid quite a bit more off the balance in the same time frame. They have excessively used number spoofing to call my cell. In general this has been one of the worst companies I have ever dealt with.
Consumer complaint received 2019-04-15
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

On XX/XX/XXXX my XXXX XXXX was involved in a total loss accident. XXXX insurance paid out the claim of approximately {$4500.00} more than the value of the vehicle. On XX/XX/XXXX I called Capital One to inquire as to why I had not received salvaged title and the amount that was over and above what was owed on the car. The rep. I spoke to stated no payment had been received on the car. When I called XXXX to request they cancel the check and re-issue payment I was told that in fact the check had cleared their bank. 

This loan was additionally involved in a Chapter XXXX and the payment amount was not reported to the Trustee. That is bankruptcy fraud, as they will continue to receive payments on a debt that is not owed. 

Capital One Auto Finance has either misapplied a payment or is hiding funds.
Consumer complaint received 2024-03-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp. (NC)

I do not owe this debt. The merchant, XXXX XXXX never issued a refund to XXXX  to cover the outstanding balance due to the package not being received. I have attached proof that I am not responsible for the debt and that XXXX, the delivery courier had to step in an resolve my matter as the Merchant never resolved the issue properly. I want the debt collector to stop sending me emails and contacting me via phone. I want my credit bureaus updated and all negative remarks associated with this account removed immediately. The merchant charged and XXXX charged me for items that never arrived which is fraud and illegal.
Consumer complaint received 2022-10-27
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Consumer Portfolio Services, Inc. (TX)

Found that this company committed fraud against me the living person, by saying I entered into an agreement with them. The loan amount {$28000.00} it seems this was an assumed loan, but I don't know from whom is was purchased. Dated XX/XX/XXXX per copy of agreement letter received XX/XX/XXXX. The interest rate is 20.450 % extremely high.
Consumer complaint received 2022-08-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NJ)

I was job hunting and I came across XXXX Before then I had no idea the site had job openings but since I was a bit desperate I decided to see what they had to offer. I found this once active posting in XXXX as a " payroll specialist '' for XXXX, one of the rental car companies. As you can see it's not visible anymore. So I read it, sent an email to the one on file, attached my resume and waited if I would get a response. I didn't know it was the job was from XXXX at first until they answered back. Not even 3 days later and they replied back. There was no interview, no nothing. I pretty much got the job off my resume - strike one. The name of manager/supervisor or whatever the heck she was supposed to be was XXXX and XXXX, this woman lacked privacy in all sense of the word. She would call and/or text me throughout all parts of the day, almost 7 days a week, telling me I should do this or that. Even after I told her numerous that I was busy or couldn't answer the phone she would either call again or rush me through text if I didn't respond quick enough, pretty much harassing me. That should have been strike two. Over time they asked for my ( former ) bank information and said they would send me paperwork through the mail but I never received it. Keep in my I said former but I will get to that later. In early XXXX, my grandfather passed away unexpectedly and that devastated my whole family. I should stepped back from the so-called " job '' and focused more on my actions my family needed to take going forward. Instead they insisted that I download numerous apps such as XXXX, XXXX and create accounts to prepare me for sending funds to staff - or so I thought. 

I know this was a huge red flag when they told me to send {$11000.00} via wire transfer to a fellow employee. It was {$5000.00} at first then an additional {$6000.00} days after which was pretty much what I had from my savings account.Then they also took over {$900.00} to put into XXXX without my consent. They claimed it was a payment to the staff, I uploaded the email below. Something in my head told me this didn't feel right and I should have listened to my instincts but I didn't, so I sent the money, regretting it instantly. Strike three. They promised they would give me my money back but long story short, I was foolish to deposit a fraudulent check into my bank to dispense among staff, resulting in my account to be shut down due to suspicious behavior. They also caused a restriction on my credit card buy using my login info for buying several gift cards and other products without my consent or knowledge and trying to pay off my balance from a bank that is most likely fraudulent as well, giving off red flags once again.
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Transunion XXXX XXXX are incorrectly reporting the account listed as XXXX XXXX XXXX. This account has not been validated as accurate because what evidence was used to verify this account as belonging to me. I have no obligation to this company and there is there is no contractual agreement between them and I. Transunion & XXXX are required by federal law to report accurate information and they are not. Furthermore Transunion & XXXX are securitizing this report to make money from the sell of my personal information and this is not authorized since I gave them no permission to profits my the exploitation of my personal data. This has caused me serious harm since this is a collection and is intentionally intended to harm my character and consumer file. 

( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( XXXX ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( XXXX ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( XXXX ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Consumer complaint received 2023-10-05
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (IL)

I have a Citibank credit card that I had planned to use while traveling in XXXX since the account does not have foreign transaction fees. I set up travel dates online so that I would not have issues using the card outside of the United States. I used the card from XX/XX/2023 to XX/XX/2023 with no problems. When I tried to use it on XX/XX/XXXX, I received a fraud alert on my phone. I called the fraud number, and was told that they could not verify my account for some reason. I called back again with the same response. When I arrived back home, I tried to close the account on XX/XX/2023, and they told me that they can't close the account because they can't verify my account. This makes absolutely no sense at all. I have the credit card in my hand. I answered all of the questions they asked about my " secret word '', my address, phone number, etc. I have had a Citibank credit card since the XXXX. Apparently, if I don't have another Citibank account, they can't verify your account. I just want to close this account, and have no way to do so, since Citibank has no locations near where I live.
Consumer complaint received 2018-02-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (NY)

I have a charge on my statement from XXXX XXXX for {$14000.00} dated XX/XX/XXXX. this transaction is fraud and I reported this charge to chase as fraud by phone, and again by a letter. At first Chase gave me credit for this transaction in XX/XX/XXXX, but later Chase made me crazy, dragged the process and ultimately they closed the case and rebilled my account without merit.
Consumer complaint received 2024-05-27
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. ()

Dear XXXX, I transferred an international transfer from my account in XXXX  XXXX XXXX  from XXXX XXXX in the amount of {$15000.00} on XX/XX/year>. The transfer was tracked XXXX XXXX to a beneficiarys account in XXXX. The intermediary bank for the international transfer process was XXXXXXXX XXXX XXXX XXXXXXXX, and the transfer was rejected by the intermediary bank. XXXXXXXX XXXX XXXX XXXXXXXX as shown by the international transfer tracking XXXX XXXX from the date of XXXX, i.e. 11 days ago, but until now the amount has not been returned to my sent account, and when I contact my bank, the response is that Until now, we are waiting for the intermediary bank to return the transfer amount so that we can return it to your account. 
and XXXX answered " I confirmed that XXXX XXXX  XXXX, XXXX. ( XXXX ) was used as an intermediary in the transaction. XXXX received the funds on XX/XX/year>, and released the funds the same day to a second intermediary, JP Morgan Chase, for further credit to XXXX XXXX  XXXX XXXX. Please note, XXXX did not request nor require any additional information to release the payment. 
Our payment tracker confirms that JP Morgan Chase released the funds to XXXX XXXX  XXXX XXXX also on XX/XX/XXXX. I can not advise if JP Morgan Chase requested or required additional information. 
XXXX XXXX  XXXX XXXX rejected the payment on XX/XX/year>. We can not advise why the payment was rejected, as we do not have that information. Although the payment was rejected, XXXX has not received a return at the time of this letter. XXXX is not in possession of the funds. " And As mentioned by XXXX XXXX, the value of the transfer they sent to the JP Morgan Chase company to send it to the XXXX  XXXX XXXX, but they did not have any idea if they have the amount or still not refunded so we need to check with the JP Morgan Chase company and ask them about the where the value of the transfer now? Thanks for your understanding and support. 
Now, I need help and solve the problem and return the transfer amount to my account.
Consumer complaint received 2017-01-04
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: American Credit Acceptance, LLC (TX)

On XXXX XXXX, 2016, my vehicle was a total loss, which was reported to American Credit Acceptance. I had full coverage insurance with XXXX insurance, and XXXX insurance, which paid off the {$10000.00} balance. American Credit Acceptance insisted I still pay the monthly payment of {$270.00}, which I finally did, because they reported a 60 day late on my credit. I am requesting that this late charge be removed from all XXXX credit bureaus. There was no payment even due when the vehicle was declared a total loss. They have reduced my credit limit by XXXX points. Account # XXXX
Consumer complaint received 2023-10-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: TRUSTMARK CORPORATION (MS)

I went into forced placed insurance and my payments went from XXXX to around XXXX. I was late but making payments at their calculated rates. Recently they raised my payments from XXXX to XXXX claiming a shortage of escrow even though I had been paying what they calculated. They also claim I have a shortage of XXXX. 

My loan payoff is only XXXX. I have been recommended for foreclosure. 

I can show where I have had extensive health issues including a XXXX I XXXX this year. 

I can not sustain XXXX per month and I truely need help. I can provide medical history.
Consumer complaint received 2024-05-31
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (CA)

As a long-time patron, I had high hopes for superior customer service from this American Express credit card company . Unfortunately, after experiencing my first missed payment in 8 years, I was disappointed by their refusal to waive late fees and interest charges. Moreover, their representatives displayed an unhelpful and indifferent attitude as Ive let them know that youre leading me to not use your card anymore and they seemed to be fine with that and did not offer any assistance in keeping their loyal customers.
Consumer complaint received 2020-02-08
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. (TN)

I have been fighting this issue for over a year now. My latest attempt was to day XX/XX/2020 @ XXXX. I have made several phone calls throughout this week to EQUIFAX. I have also sent mail out with documents to justify the incorrect information reflecting on my credit profile within the last two weeks of date XX/XX/2020. I have recently sent off more documents priority mail today XX/XX/2020. I have sent over fax mail with the documents to justify the incorrect information reporting to my credit profile on XX/XX/2020. The problem is that I have two accounts online with EQUIFAX. One is a subscription I pay monthly for Equifax Advantage Plan Subscription which is reporting my information correctly. However, myequifax.com is reporting my information incorrectly with fraudulent accounts and a fraudulent social security number as well, along with addresses that are not mine. MYEQUIFAX.COM does not require a subscription and is free to sign up ON THIS WEBSITE MY INFORMATION IS REPORTING FRAUDULENT INFORMATION. I HAVE ASKED THEM TO REMOVE THESE THINGS AND HAVE SENT IN THE DOCUMENTS & STILL NO RESOLUTION. I HAVE DISPUTED THESE THINGS BEFORE AND THEY WERE REMOVED/DELETED BUT IT IS NOT REFLECTING ON MYEQUIFAX.COM ITS ONLY REFLECTING ON EQUIFAX.COM IN WHICH I PAY THE SUBSCRIPTION MONTHLY, AND WHEN A CREDITOR PULLS MY CREDIT THESE FRAUDULANT ACCOUNTS SHOW UP EVEN WHILE IM USING MY CORRECT SOCIAL SECURITY NUMBER. ALL BECAUSE MY INFORMATION IS NOT IN THEIR SYSTEM CORRECTLY. THIS IS AFFECTING THE OVERALL HEALTH OF MY CREDIT. I CAN USE MY VERIFICATION QUESTIONS TO UNLOCK MY ACCOUNT WITH CUSTOMER CARE AT EQUIFAX AND THEY WILL ACCESS THE ACCOUNT WITH FRADULENT ACTIVITY ON THERE. PLEASE HELP.
Consumer complaint received 2022-01-08
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. (GA)

I have sent multiple letters regarding this erroneous and inaccurate account that is being reported on my consumer credit reports. On XXXX XXXX, XXXX I sent out a notarized request to Block of Information letter, along with my FTC report, a copy of my credit report, proof of my identity, along with section FCRA Section 605B, 15 USC 1681c-2 which was sent through certified mail. The company received my package on XXXX XXXX, XXXX. It is now XXXX XXXX, XXXX. I have given the company the required time to fix and resolve the problem but it has not been fixed. The account is still showing up on consumer credit report as closed off account.
Consumer complaint received 2022-04-03
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. (NJ)

My husband ( XXXX XXXX XXXX ) opened an account XXXX on XX/XX/2022. He registered me as an account supervisor. 
I decided to get a XXXX XXXX card on my own, so I applied for a card ( while still supervisor for my husband ). I liked the XXXX bonus miles and XXXX mi for everything, and thought it might be my go to card. 
Immediately I was rejected ( for the first time in my life and for no good reason ) AND simultaneously removed as account supervisor on my husbands card. I was removed as account supervisor, but everyone at XXXX XXXX says that I was not removed by XXXX XXXX, and can not be added back. I ( rejected the offer to just have a XXXX card on my husband 's account. 
I contacted Experian, and to my shock on the Experian report as having a XXXX XXXX card, XXXX with a credit limit of {$30000.00}. Actually, I have NO XXXX  XXXX card. 
I sent an e-mail to XXXX XXXX XXXX AND to the XXXX  XXXX credit Dept, but no response.
Consumer complaint received 2022-04-03
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: Bread Financial Holdings, Inc. (IL)

My name is XXXX XXXX. I leave at XXXX XXXX XXXX XXXX. In XX/XX/XXXX and XX/XX/XXXX, I made a phone payment to XXXX/Comenity/Wayfair over the phone on the due date and their records show that the payment was given the day after. This is an error on their part because of covid we could not speak to a person and the website was not working to make a payment. I had to make the payment over the phone and it was recorded as late even though the payment was given on time. We need that removed from our credit immediately because it is an error on their system. If you look at our payments we have never been late. Please help us resolve this matter so we may buy a home. Thank you!