davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-31
Product: Credit card or prepaid 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: JPMORGAN CHASE & CO. (TX)

On a letter dated XX/XX/XXXX Chase states they are still working on my billing dispute for XXXX from the XXXX XXXX for {$410.00} on XX/XX/XXXX. It has been over 10 months since the date I initially brought up the billing error to their attention. This is way past the timeframe allowed to investigate and correct any billing errors. I provided Chase with an email from the hotel prior to check in which verifies my lower rate being honored, a copy of the lowest rate and a copy of the hotel 's low rate guarantee. Despite the hotel verifying my lower rate in writing they still charged me 5x the agreed upon rate which was changed after I checked out. I never agreed to, authorized or had any knowledge of the increased rate until after I had left the property. 

Despite the overwhelming evidence validating this to indeed be a billing error Chase has still taken 10 months and counting to correct it. This violated the Fair Billing Practices Act.
Consumer complaint received 2018-12-31
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: WHEELS FINANCIAL GROUP, LLC. (CA)

I recently got a title loan in XX/XX/XXXX for {$2500.00} so that I could get school clothes, shoes, and supplies for my XXXX children. I had all required paperwork and documents except for a smog check. It took me about a week or two to pass smog and I had to buy and replace parts to do so. At this time Im pretty crunched for time being that my kids were starting school that next Monday. So I called XXXX with my final documentation to get the process going. The same day I signed all agreements, not really getting a chance to read over anything because XXXX office was closing. After receiving my loan, a representative called me while at work to inform me of my monthly payment amount which is {$400.00} every month and the daily charges. I then asked if I could get a lower monthly payment because Im a single parent of XXXX kids and the representative very bluntly refused and told me that Id already signed an agreement. To make a long story short, none of the representatives ever explained or went over any of the terms and conditions with me at all which I feel is not right at all. This has caused me a great deal of financial hardship. On top of that XXXX had my vehicle towed in XXXX because I did miss XXXX payments but I also called to inform them of losing my job prior to this happening. When I called, the representatives were very rude to me and only cared about the payments even though I notified them of not having any income. I apologize for any inconvenience and thanks in advance. I have already paid triple the amount that Ive borrowed.
Consumer complaint received 2018-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TD BANK US HOLDING COMPANY (SC)

Im an XXXX XXXX owner and did received a fraudulent email which was pretend to be XXXX but what a scam. 
I did submit all information such as social security number, current address, maiden name date of birth, and full name. 
Also a credit card information, number and security number, although I did contact my bank and block credit card.
Consumer complaint received 2018-12-31
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: Advance America, Cash Advance Centers, Inc. (OH)

This loan is from years ago. I was contacted by their lawyer before it turned 7 years old. I completely paid the loan, but was recently told by Advance America on XXXX XXXX XXXX oh that it wasn't paid. Originally the loan was for {$500.00} and {$75.00} in interest. I can't remember the date, it's been so long ago, but it was the last payday loan I got from them. Please help. XXXX XXXX
Consumer complaint received 2022-04-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In accordance with the fair Credit Reporting Act, Transunion, LLC has violated my consumer rights by reporting a Chapter XXXX bankruptcy. 

Pursuant to 15 U.S.C. 1681 SECTION 602 A ; I have the right to privacy : " 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. '' It also states a consumer reporting agency can not furnish an account without my written instructions.

Pursuant to 15 U.S.C. 1681B ( 2 ) " consumer reporting agency can not furnish an account without my written instructions ''
Consumer complaint received 2019-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I am filing a complaint against XXXX XXXX XXXX  with the CFPB, I am compelled to demand that you provide communication exclusively through a printed letter on the status of ownership and how was the account assigned to your office. I request that you send me the proper proof that what you are reporting is true, or if you can not, to immediately remove it from my credit report. In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for improper reporting of information to the credit bureaus regarding my credit history, actual defamation damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. Please deleted all this debt off my credit report.
Consumer complaint received 2019-01-07
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION (NY)

MY HUSBAND AND I HAVE MADE PAYMENT ARRANGEMENTS WITH CREDIT ACCEPTANCE REGARDING OUR CAR LOAN ON XX/XX/XXXX. WE SPOKE WITH A SUPERVISOR AND EXPLAINED THAT DUE TO UNEXPECTED MEDICAL EXPENSES WE FELL BEHIND IN PAYMENTS. WE ARRANGED TO PAY {$470.00} ON XX/XX/XXXX, XX/XX/XXXX AND XX/XX/XXXX. PAYMENTS FOR XX/XX/XXXX AND XX/XX/XXXX HAVE BEEN PAID. THE XX/XX/XXXX PAYMENT IS SCHEDULED. WE HAVE FOLLOWED THROUGH WITH OUR PROMISE TO PAY. WE ARE BOTH ON SOCIAL SECURITY XXXX AND PAYMENTS WERE SCHEDULED FOR THE DATES OF OUR CHECKS. WE HAVE CONTACTED CREDIT ACCEPTANCE AND SENT IN WRITING AND EMAIL TO CEASE AND DESIST FROM THEIR EXCESSIVE CALLING. IN 3 HOURS WE RECEIVED 11 CALLS. WE WERE TOLD THAT THERE ARE NO NOTES ON OUR ACCOUNT RE : PAYMENT ARRANGEMENTS. WE GAVE THE CUSTOMER SERVICE REP. THE CONFIRMATION # WE WERE GIVEN BY THE INITIAL SUPERVISOR WE MADE THE ARRANGEMENTS WITH. I FULLY UNDERSTAND THAT IF THE PAYMENTS WEREN'T MADE-THEY HAVE A RIGHT TO CALL US, BUT WE WERE TOLD THAT THE HARASSING CALLS WOULD STOP. THEY HAVEN'T. THEY CONTINUE TO CALL. PLEASE HELP.
Consumer complaint received 2018-12-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (OR)

I transferred money {$100.00} through XXXX via my bank Wells Fargo to someone who was supposed to give me tickets, they scammed me and went silent right after I sent the money. I called Wells Fargo, and they said they could not do anything to help me. There is nothing safe about XXXX, and if it is backed by your personal Bank they should be able to stop fraudulent payments especially if they have access to the other users bank information, I called Wells Fargo 5 minutes after I realized what happened. 

XX/XX/XXXX is the date of the incident Confirmation # XXXX {$100.00} in payment is what was fraudulent I called Wells Fargo to ask for help, they said they could do nothing.
Consumer complaint received 2019-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I submitted an complaint through the CFPB on Experian, XXXX, and XXXX   the complaint number is as followed : ( Ex XXXX-XXXX  ), ( XXXX XXXX-XXXX ), ( XXXX XXXX-XXXX ). My concerns was that their was Incorrect Information on my credit report from my Personal Name, Address I never lived at, Account on the credit report, jobs, phone numbers. Also, accordingly to the Fair Credit Reporting Act on the Furnisher of Information can report anything to the credit bureau on my credit report. Section 623 Responsibility of Furnishers of Information to consumer reporting agencies. All three depositories Experian, XXXX, amd XXXX  is allowing XXXX XXXX XXXX to report information to them concerning my history. I have never open anything up with XXXX XXXX XXXX. I open an account with another company XXXX XXXX 's and XXXX and their is nothing in the Fair Credit Reporting Act laws that says because XXXX XXXX XXXX brought out XXXX XXXX 's they ave the right to report anything concerning my payment history. I am going to provide everything from Experian that was on my credit report. That was sent to me in the mail along with a complete credit report from XXXX XXXX. I have been dealing with this since XX/XX/2018 the information I am providing should not be on my credit report. I am not XXXX XXXX XXXX XXXX. I don't have a son. Experian, XXXX, and XXXX  is defaming my character with Grantors of Credit by allowing false information to remain on my credit report. And allowing someone whom I never open an account with XXXX XXXX XXXX to report information on me on a close account with whom I had done business with.Just because they brought out the company but their is no law says they have the rights to report anything on me. They are all allowing pass address that I never lived at to remain on my credit report. Experian has allowed 13 Inquires that I have never done business with to stay on my credit report, XXXX XXXX XXXX XXXX needs to confirm with the Credit Bureau XXXX XXXX XXXX XXXX needs to confirm with the Credit Bureau
Consumer complaint received 2018-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (KY)

Equifax has been given identy theft of XXXX  credit card that is not mine * affects if score XXXX my XXXX XXXX credit cars reported stole * 56 credit hard inguires with names spelled wrong, evidence of XXXX not obtaining reports of Any bankruptcy of mine, investigated and removed.. XXXX   needs to remove all negative accounts on the things that are inaccurate, I paid mycar off+ cant get a payment late removed as it was paid off? Why??? 1 ) remove the late payment on the car* was closed and paid in full2 ) * I have 56 inguires only 2 mins ( XXXX XXXX - XXXX XXXX XXXX ) * Id theft w FTC , and All evidence sent 1 ) Id theft 2 ( documents of no backruptcy reported, 3 ) sims swap .. copy of my identy theft
Consumer complaint received 2019-01-07
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. (IL)

The loan was disbursed on XX/XX/XXXX. I attended XXXX-XXXX in XXXX XXXX Missouri for a half of a semester. I dropped the classes when I realized that XXXX dollars for a four year degree from an unaccredited school was a rip off. XXXX-XXXX told me they were nationally accredited and credits should transfer anywhere. I later found out that a school had to be regionally accredited. I made payments of XXXX or XXXX $ for around a year. After my daughter had been born on XX/XX/XXXX I continued to make the XXXX $ payments for awhile. When I called to ask Navient ( Sallie Mae at that time ) if I could lower my payments the lady on the phone said that I could only place the loan into forbearance and the XXXX $ was the absolute minimum. I believe this was in XX/XX/XXXX. I know in either XX/XX/XXXX or XX/XX/XXXX I called to ask once again if I could have my payment lowered and once again I was told I could only have the loan placed into forbearance because XXXX $ was the absolute minimum payment they would accept. I was only making about XXXX $ a month working one weekend a month as a XXXX at that time.
Consumer complaint received 2019-01-07
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. (FL)

I am filing a complaint against Dept of Ed/XXXX with the CFPB, I am compelled to demand that you provide communication exclusively through a printed letter on the status of ownership and how was the account assigned to your office. I request that you send me the proper proof that what you are reporting is true, or if you can not, to immediately remove it from my credit report. In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for improper reporting of information to the credit bureaus regarding my credit history, actual defamation damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. Please deleted all this debt off my credit report.
Consumer complaint received 2019-01-07
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: Nelnet, Inc. (FL)

I am filing a complaint against Dept of Ed/Nelnet with the CFPB, I am compelled to demand that you provide communication exclusively through a printed letter on the status of ownership and how was the account assigned to your office. I request that you send me the proper proof that what you are reporting is true, or if you can not, to immediately remove it from my credit report. In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for improper reporting of information to the credit bureaus regarding my credit history, actual defamation damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. Please deleted all this debt off my credit report.
Consumer complaint received 2018-12-30
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CHS, Inc. (VA)

Hospital never told me I need to make a separate payment ( 1 ) For hospital ( 1 ) Hospital doctors Found out toward end of XX/XX/XXXX So need doctor part put under a low payment agreement {$10.00} a month After see faithfully at paying starting to become removed not as a negative on credit report as is now .So can rebuild my credit to 600 by prayerfully the middle of XXXX for by end of XXXX my home will become Solar energy ( If possible combine into one not several plus as is now on account ) Ask XXXX XXXX XXXX Va for copy of payments been paying toward hospital faithfully and see none toward the Hospital doctors but was never told there was two and both completely separate from each other I would of added this medical expense and been paying on it all ready. 

Will pay through XXXX XXXX XXXX as long as receiving payment
Consumer complaint received 2023-03-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: EQUIFAX, INC. (NY)

Equifax has violated my consumer privacy rights, without my permission it has reported private transactions of which it had no right or permission to do so, they have been notified in the past of these violations, but to date continue to violate my consumer rights.
Consumer complaint received 2019-03-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CA)

Bank refuses to fix banking errors done on their behalf was double charged for every transaction that I made today on XX/XX/2019. This not the merchants fault because I only saw them charge me once of a transaction. The representatives would not treat me with respect nor afforded my rights to me. They stated that the system was down and that they could not do anything untill XXXX XXXX the following day they blamed merchants for the charges and lied to me. On consistent basis they do not treat me with dignity and force me to be disrespectful to them I have a right to express my emotions towards and acted fully with my rights as a customer and a minority. They keep stealing money out of my account every month the miscalculation is made for how much money I spent on the account.
Consumer complaint received 2020-08-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (VA)

My mortgage matured on XX/XX/XXXX. I did not realize the loan had matured as I kept paying for the loan through XXXX, XXXX. In XXXX I realized what had happened and have working with PHH since then to get a loan modification to keep the loan moving and keep my house. 

PHH has continually changed their requests for information, even though they originally marked my application complete. Now on the phone they say I need bank statements for two months and two months of pay stubs ( why both? ) and then send a letter saying either pay stubs or bank statements. They also say on the phone I need a hardship letter, but in their letter to me it says they want the application signed, which I did in XXXX. 

PHH keeps changing the requirements all to get me to go into foreclosure and then take my home. This is not just a problem with me, they are predatory in nature and incompetent as well. 

To date I have talked to XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX. Every person I have talked to over the last week, over eight hours of phone calls, has told me a different requirement.
Consumer complaint received 2023-06-14
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. (TX)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX  XXXX XXXX Balance : {$570.00} ; XXXX XXXX XXXX XXXX Balance : {$770.00} ; Medical XXXX Balance : {$500.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2021-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (GA)

To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. Each Account is in the document attached to the complaint I demand that the following account be verified or removed immediately :
Consumer complaint received 2018-12-31
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TD BANK US HOLDING COMPANY (DE)

Can't get monthly breakdown of interest vs. principal applied to the loan. Used to get that detail on their online banking site. They then " upgraded '' their online banking and this information is no longer available. Then had to call and request statements. They sent me one statement. Now they refuse to send me statements with this required information.
Consumer complaint received 2018-12-30
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. (VA)

I have several monitoring companies alerting me to my credit report .I have duplicate accounts on my reports as well as someone from XXXX going into my account when I have called about the accuracy of the late reporting on my accounts and changing information that has been reported incorrectly for the past several years below is an alert I received from a company monitoring my information this statement is listed several times through out my report, If the information was accurate why would someone have to go and change the information two years later. 
Confirm Negative Change in Payment History As of XX/XX/XXXX, there was a negative change in your payment history related to your XXXX Student Loan. The period for your XX/XX/XXXX past due payment has increased. We recommend reviewing your payment history carefully Also after searching the the National Student loan  data base, it does not state my loans were ever late states they were in forbearance but yet the information wasn't correctly reported in which caused an adverse reaction into the simplest living a normal every day life, the stress and undo hardships I had to face with inaccurate information reported on my credit reports for years.