davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-26
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. (SC)

I have sent several request for Equifax to validate several inaccurate accounts on my credit report and they have yet to respond back to my request within 30 days which is a direct violation of the FCRA. These items need to be removed from my credit report ASAP!
Consumer complaint received 2018-11-24
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southern Management Systems Inc. (FL)

I have sent multiple communications to Southern Management Systems. They have refused to send me the original contract that I signed. They also alleged that they have sent me verification of the debt and they were not sending me anymore corrospendences. I would like to see the contract and have the debt verified. On my credit report, it says I owe {$1600.00}. I would like to have this verified and if not verified I would like it removed from my credit.
Consumer complaint received 2019-01-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XX/XX/2018, I closed my checking account with Capital One Bank. At the time I signed the papers to close the account I was told I had to close all auto pay accounts. I called the next day to close an autopay I had through this Capital One account for a XXXX Credit Card. They said it was too late, and that they were already processing the payment. I acknowledged, and I am prepared to pay for, the overdraft fee and amount of this original payment - even though I then paid XXXX directly over the phone through my new bank account ( with XXXX XXXX. ) However, a month later I went to charge a 4 payments for XXXX through XXXX XXXX, via XXXX, each roughly {$13.00}, {$17.00}, {$3.00} and {$3.00}. Although I had closed my Capital One bank account, Capital One did NOT mark the account as closed. A debt collection representative called me on the phone and said I owed over {$600.00} in overdraft fees as they re-opened the account when XXXX XXXX went to charge the account - instead of just reporting the account as closed. This was not an automatic, recurring payment. I had other payment methods available to XXXX  ; however, Capital One allowed XXXX   to charge the account multiple times resulting in multiple overdraft fees. I have tried to resolve this issue with Capital One and XXXX  ; XXXX  refunded their charges but is unable to assist with Capital One overdraft fees - fees that would have been avoided if the account would have remained closed from the XX/XX/XXXX date as I signed off on. I closed this account. No further charges should have been able to post to this closed account. I have paperwork I signed noting that the account was closed. I want Capital One to charge me only for the {$42.00} and the resulting overdraft fee from XXXX.
Consumer complaint received 2021-07-12
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: JPMORGAN CHASE & CO. (NY)

My lease ended XX/XX/21. I was quoted a lease-end buyout cost of {$17000.00} good through XX/XX/21. On XX/XX/21 I overnighted a personal check as instructed, in the amount of {$17000.00}. Chase Auto Finance deposited my check on XX/XX/21. 

I then received the title and bill of sale via USPS mail on XX/XX/21. The amount reflected on the bill of sale is {$16000.00} XXXX {$15000.00} plus sales tax of {$1300.00} XXXX. I overpaid for the vehicle in the amount of {$320.00}. 

When I called Chase customer service number reflected on the bill of sale on multiple occasions today XX/XX/21 at XXXX XXXX XXXX XXXX, the representatives transfer me to the Lease-End collections/default department and vice versa. No one will assist me. I did speak with one representative who indicated the amount of overpayment represents a lease installment payment due of {$270.00} plus an unknown {$50.00} fee, however, I did not have any additional payments due under the terms of my lease. 

The rep XXXX was unable to further assist me and indicated that the department that handles such matters " does not speak to customers ''. He indicated a ticket would be opened but would not provide a reference number and said it will take 8 days for someone to get back to me.
Consumer complaint received 2020-11-06
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: DataMax Corporation (NC)

XXXX sold the account to Datamax and they report monthly that I have a collection account in my name. They cant verify my social or phone number and yet it shows up on my credit report as a collection. This is almost a six year old account Ive tried repeatedly to resolve. The debt owed hasnt even been proven to be mine but either way I will gladly resolve this matter I just dont know where else to turn.
Consumer complaint received 2024-03-22
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: GOLDMAN SACHS BANK USA (MI)

I had an Apple Card. Somehow there was a XXXX dollar interest charge added onto the bill. I had auto pay set up. I never got a bill for the XXXX dollar so the XXXX dollar balance became 31 days late and they reported it onto my credit report. I didnt get any statements. I obviously wouldve paid the XXXX dollar and now its on my credit report I tried to reach out to the company to get them to remove it, but it still has not been removed.
Consumer complaint received 2022-07-26
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: Experian Information Solutions Inc. (LA)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employers : XXXX XXXX XXXX XXXX Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX Collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Addresses : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AMERICAN EXPRESS COMPANY (WA)

I mailed XXXX evidence for my disputes to against American express and XXXX against XXXX card, XXXX, and XXXX against debt collection XXXX XXXX XXXX XXXX I mailed the evidence to XXXX and on XX/XX/year> at XXXX AM XXXX employee named XXXX XXXX signed for the mail. 

I called XXXX business days later and XXXX said they didnt add the evidence to my disputes and that they never recieved any evidence. 

I explained to them thay they signed for it and I request investigating and escalation and they refused and told me theres noone to speak with about it and to mail it to then again. 

I have also filed a dispute with XXXX  against debt collector for XXXX named XXXX XXXX XXXX XXXX. 

XXXX XXXX knowingly in possession of false debt then reported back to the credit bureau less than XXXX hours after XXXX sent then the complaint and they said that they are still going to try to collect on the illigal debt and they closed the dispute.
Consumer complaint received 2024-04-27
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: PNC Bank N.A. (PA)

I am assuming an existing mortgage due to divorce. Essentially, I just need to remove my ex-husbands name from the mortgage. This should be extremely simple given that I have excellent credit and more than enough income to pay the loan. I began this process in XX/XX/year> and it is still not complete. The people handling the process have been completely incompetent. It has taken months and months. They were not able to provide an accurate estimate of the cost. I had to incur attorney fees to explain Pennsylvania law to their underwriters and legal counsel because they are not familiar with the state. I have asked numerous times for my situation to be escalated and I have never received a response from anyone other than the low-level processor, who keeps telling me that everyone in their department is new. I have obtained or refinanced multiple mortgages in life and I have never experienced anything like this. It is completely unacceptable. I want a clear explanation of the costs and reasons for them, and I want PNC to waive their processing fees to compensate me for my frustration and attorney fees.
Consumer complaint received 2021-04-14
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. (MI)

I have contacted Transunion regarding this inaccurate reporting. I disputed the items and requested a method of verification and they responded with XXXX XXXX as the data furnished. I in turn contacted XXXX XXXX and that have no record of such public information on my record. I have been given the complete run around and they have lied to me time and time again. This has impacted me form obtaining employment and is hindering me from obtaining any credit.
Consumer complaint received 2018-11-24
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: JPMORGAN CHASE & CO. (CO)

Purchased a XXXX XXXX XXXX on XX/XX/XXXX for {$26000.00}. 60 month loan by Chase Auto Finance. Contacted Chase at the end of the loan term for a pink slip to my car. They claimed I owed them 9 months. After several calls they claimed I owed them {$4800.00}. I was never sent any back-up. Not by email nor by mail. Not one letter. Not one phone call. I contacted them numerous times for over 12 months. I sent emails and made phone calls. There is recorded evidence of both. I was told in a recorded conversation that this loan was now a Charge-Off. And was told there was no further action needed except that I was to pay off the balance in full. I spent months trying to negotiate a payment plan. They refused any payment offers -- only if I made one payment in full. I sent emails that included proof of insurance and that I was keeping up with car repairs, oil changes, etc. I sent emails of appraisals of major work that needed to be done on the car. More then one year later I began getting harassing calls at all hours. One was threatening " You know who I am, you know what I want ''. I reported the call to Chase Auto and filed a complaint with the police department. Several calls were made to family members including not only my XXXX year old mother, but an Aunt and Uncle in another state. One day in XX/XX/XXXX they entered a private, secured and gated garage illegally ( by following another car into the garage ). They took my car. It took me two days to find the car ( according to Chase they couldn't figure out who had it ). I was never sent a notice with intent to repossess. I was never sent any notices by Chase. I was sent a notice dated XX/XX/XXXX which I did not receive until XX/XX/XXXX that they would sell my vehicle within 6 days. I owed {$4800.00} and they sold it for {$6100.00} and still they are claiming I owe them money. 
I had 4 previous XXXX XXXX leases without one issue or one problem. Only with Chase Auto was there a problem. 
I am currently forming a class-action suit for Illegal repossession + violations against debt collections act + violation of Colorado law.
Consumer complaint received 2018-11-24
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (CA)

On XX/XX/2018, in obtaining and approving a car loan from XXXX I was provided with documents that show my credit score from XXXX indicating a score of XXXX which ranks higher than 97 percent of U.S. consumers. Copies of that score are attached hereto. 

On or about XX/XX/2018, I applied for a XXXX credit card and was denied due to race. I received a letter from Citibank / XXXX that indicated delinquent credit obligation. This is false as that was disputed with XXXX as the charges were reported as fraudulent. Copy of letter attached hereto. How can I have such a high score if that wasn't true? 

I have a credit score higher than most Americans and I was denied a credit card. This is shocking and can only be described as racial discrimination. I fought for my country and almost died only to be discriminated by Citibank and XXXX. Now, you know why veterans commit suicide because we have companies like Citibank and XXXX who perpetuate the reason.
Consumer complaint received 2019-01-11
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc. (MO)

We have a recently new account with Santander Consumer USA for a car loan. After 6 months, the last month reported was for XXXX. We were never 30 days late and only once late passed the 10 day grace period ( by only a few days ). They are refusing to report the month of XXXX  and XXXX  because I split the payment up into two payments. I called regarding the reporting on XX/XX/2019, and the lady that helped me said she wasn't sure why it wasn't reported for those two months. Everything looked good and the report was sent over to the proper department for credit reporting. She said if it doesn't update by the end of the following week to call back. I called back XX/XX/2019, and the lady that helped me this time said it wasn't going to report because I didn't make a one-time payment. But wanted to assure me that my account was not past due. She said they don't have to report only if it's 30+ days past due then they will. I requested for it to be reported and they denied it.
Consumer complaint received 2022-07-14
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. (NY)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX BANK Account # XXXX, XXXX Account # 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 2019-09-05
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (VA)

I live in Northern VA, work in XXXX a single mom of XXXX need the extra cash to pay something up in the house I initially got a loan for XXXX dollars and I paid off XXXX and of a XXXX dollars I owed XXXX cent but then they called and said hey we can give you a loan for XXXX, well I said ok my oldest daughter was leaving for college so this would help, but they deposited XXXX in my account, which technically with the remaining balance of my XXXX dollar loan, that would only total XXXX dollars not XXXX, so the amount given is a lie as well and with all my payments I have paid them a total of XXXX dollars. Which in the state of Virginia Net Credit operated without a license in Virginia. Virginia law caps the interest rate on loans at 12 percent per year unless a lender qualifies for an exception, but NetCredit is being sued and loans are being disputed as illegal because their interest rate ranged from 34 percent to 155 percent and that is not legal in VA, so if we went with VA interest rate on a XXXX loan I would owe only XXXX but technically since I only received XXXX my interest rate on this loan based on VA laws I would only need to pay a total of XXXX, for which again I have paid them at total of XXXX and they have reported to the credit bureau that I was late and owe almost XXXX, they should not be report and I sent them information stating that have paid them in full based on VA law and actually they owe me money back and because they are using Utah law they are not willing to work with anyone and keep pushing interest onto the loan and are using illegal practices.They have also been harassing me with phone calls and my place of work who has told them to stop calling but the persist on calling. I will attach my payments from my bank and the lawsuit that is ongoing.
Consumer complaint received 2021-07-12
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: Experian Information Solutions Inc. (FL)

They have not addressed the complaint. There IS A SYSTEM GLITCH. Your company has confirmed there is no negative items on my report so WHY IS YOUR WEBSITE/PORTAL REFLECTING NEGATIVE INFORMATION. Actually do investigation and fix the issue rather than give a generic response. Refer to XXXX
Consumer complaint received 2019-09-05
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. (FL)

XXXX, TRANSUNION AND XXXX HAS SOME INACCURATE INFORMATION ON MY CREDIT REPORT THEY REFUSED TO DELETE/REMOVE. 
NAMES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- XXXX XXXX XXXX XXXX- Addresses : XXXX XXXX XXXX XXXX, FL XXXX - XXXX XXXX XXXX XXXX, FL XXXX - XXXX XXXX XXXX XXXX XXXX FL XXXX - XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX - XXXX XXXX XXXX XXXX , LA XXXX - XXXX XXXX XXXX XXXX XXXX , LA XXXX - XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX - XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX SSNs XXXX XXXX Year of Birth : XXXX PHONE NUMBERS : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX IVE RECENTLY PILLED MY CREDIT REPORT AND FOUND SOME ACCOUNTS THAT ARE NOT MINE AND INACCURATE. 
Spouse or Co-Applicant : XXXX Employers : XXXX XXXX XXXX- XXXX- XXXX XXXX ACCOUNTS : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX WAS NEVER LATE PLEASE CORRECT XXXX XXXX XXXX XXXX/XXXX  XXXX
Consumer complaint received 2019-09-05
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)

THE FOLLOWING ACCOUNT IS BEING DISPLAYED NEGATIVELY ON MY CURRENT CREDIT REPORT : XXXX XXXX. 

IT IS REALLY AFFECTING THE OVERALL HEALTH OF MY CREDIT REPORT. THIS ACCOUNT IF FROM XXXX OF 2014 AND STILL AFFECTING ME, I HAVE DISPUTED THIS ACCOUNT PREVIOUSLY SEVERAL OTHER TIME AND NOTHING HAS BEEN DONE. ARE THEY EVEN LOOKING AT WHAT'S GOING ON??? I AM VERY FRUSTRATED BY THIS MATTER AND I NEED THIS ACCOUNT REMOVED AS SOON AS POSSIBLE AND LET IT BECOME EFFECTIVE!
Consumer complaint received 2019-01-11
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company (OK)

I need a loan modification release from XXXX XXXX from XX/XX/2001. XXXX has since gone bankrupt and Freedom Mortgage has taken over their company. This loan was in my previous married name and my ex husbands name- XXXX XXXX & XXXX XXXX XXXX . I have contacted Freedom Mortgage twice now and they will not help me with this issue so I can trade in my current home for a new one and complete all the closing documentation. The title company has also contacted them for this without resolution.