davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-08
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. (GA)

Experian, XXXX and XXXX failed to address the letter sent by XXXX XXXX, XXXX XXXX, Office of the Chairman, stating that the bank misplaced my documentation for more than six mos. Thus, delaying the closing of the sale on the property and damaging my credit score greatly, denying my ability to obtain credit. 
The matter was not resolved. The money was repaid in full. 
The credit bureau failed to remove derogatory remarks as requested. 
The credit bureaus failed to address the issue and resolve the dispute as it should based on information provided by XXXX XXXX and the consumer. 
I demand that the derogatory remarks be removed no later than XX/XX/2019.
Consumer complaint received 2018-12-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I was looking to get a scooter with the cash I had on hand somehow I ended up with a motorcycle with a {$10000.00} price tag. The sales person got a credit line of {$10000.00} for me from the bank. the bank was capital one and XXXX XXXX. I know it was my fault, to begin with, to trust these guys, I didn't realize until I realize that I have to make the monthly payment on a motorcycle that is not even suitable for me. So I contacted the bank and asked them to take the motorcycle away and to settle the account. I tried over and over again but they never showed up to pick up the bike. I had cash {$3000.00} when I first started looking for a scooter but at the end, I ended up with a {$10000.00} debt. I even asked them to let me sale the vehicle to someone, but they will not release the lien. 
if you need more account detail please let me know.
Consumer complaint received 2019-06-08
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

Equifax is dysfunctional. 

A bank loan that I have apparently sold itself to a different facilitator. I had nothing to do with it. I continue to owe the money and pay the money, on time. Equifax showed this as a " closed '' account. I disputed that and explained it was not closed just that the loan had been sold. Simple. Easy.  Not a big deal. Except they do not have a process that works and since they handle our credit that is wrong. 

So they send me a notice that it has been handled. They repeatedly send the dispute confirmation number of XXXX by email. The email instructs I view the results. When I do it asks for a litany of information including social security number & birthdate. It does not ask for the confirmation number. When I submit that info it tells me they need more info and provide a phone number. That phone number is automated and does not offer a path to view or hear the resolution. 

So I find another number, and finally get a human but I can not understand her English. It was very difficult to understand her. This person asked a series of questions that are difficult to answer like did I ever have a bank loan, with whom and what was the balance. There are ten or more of these questions. Over 40 minutes on the phone. When I finally pass the test she can tell me nothing. 

Today another email came. Same drill. Same process except I am writing you instead of calling where ever their call center is located to repeat that awful experience. 

Equifax is dysfunctional. Their on-line dispute process does not work. It is torture, They should not be allowed to handle Americans credit information.
Consumer complaint received 2019-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NY)

XX/XX/2018 My XXXX account was hacked into and multiple persons tried to open credit under my account. A police report was filed and I voluntarily closed all credit cards except XXXX XXXX which Ive had for over 30 years. 
I voluntarily put 7 year freeze on my credit activity with Experian XXXX and XXXX.. 
This month I applied to an XXXX XXXX XXXX which offered financing on extensive dental work I now need. I was denied as the representative stated they contact Experian who said I had a consumer statement on my report and they could not approve a {$4000.00} loan. 
I have tried repeatedly on line. Via registered mail. And phone and can not seem to rectify this situation. 
Can you assist?
Consumer complaint received 2019-06-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (MI)

On or about XX/XX/2019, I filed a complaint via phone with my financial institution ( Chase Bank ) regarding a transaction for the amount of {$500.00} that was debited from my checking account on XX/XX/2019 by XXXX XXXX. I filed a complaint with CFPB on XX/XX/2019 under Complaint # XXXX. 

Chase Bank created a claim and a provisional credit was applied to my checking account on XX/XX/2019. My CFPB Complaint # XXXX was closed after Chase Bank responded that the money relief was issued to me-the consumer. However, Chase Bank 's Claims Dept sent a letter dated XX/XX/2019 closing my claim while making me liable for the transaction. On XX/XX/2019, Chase Bank had also reversed the provisional credit. Chase Bank 's adverse action is making me liable for an unauthorized transaction and keeping my funds hostage. 

Please investigate this complaint that I have with Chase Bank. Thank you.
Consumer complaint received 2017-12-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TD BANK US HOLDING COMPANY (CA)

On XXXX XXXX, I went to a Car dealer by the name of XXXX XXXX. I signed the contract in order to finance a car. The contract had an APR of 6.85 with the finance charge of {$5700.00}, and The amount Financed of {$21000.00} with a monthly payment of {$330.00} for 83 months. When I got home and looked over my contract two days later I realized the car dealer had added {$3800.00} into cash price accessories. This was someone I did not realize, I went back to the dealer on XXXX XXXX to get the situation handled where the dealers manager told me it was a " accident '' they had added that fee in. So I signed an acknowledgment of cancel contract with states, " You acknowledge that the contract for the purchase or lease of the above described vehicle entered into between you and the dealer on the previous contract date has been canceled ( rescinded ) and no longer has any legal effect ''. My new contract has an APR of 5.99 with a finance charge of {$2800.00} and a amount of {$17000.00} financed with a monthly payment of {$340.00} for 59 months. When I received my first payment of the vehicle it was based on the First contract and not the second. The car dealer did not send the correct contract. I called the finance company to let them know of the situation, they told me not to worry that they would resolve the problem. A month went by and they did nothing, they told me I had no proof. So I faxed over to them my copy of the correct contract along side the acknowledgment of cancel contract.They told me this would really help them to correct my situation. Another month went by then they told me they would not do nothing unless the car dealer faxed over their copy of the contract. I had to go trough this long process in order to have them fax it over to my finance company. Finally in XXXX the car dealer faxed over their copy of the contract, i was told by the finance company they would finally resolve my problem. On XXXX XXXX they sent all the paperwork to their office to correct. In all this time they have yet to correct my payments and XXXX even after they have received all the paperwork from both parties. They seem to keep pushing my situation to the side, or they find an excuse to not be able to resolve my problem.
Consumer complaint received 2019-06-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (CA)

I logged into FedLoan online several weeks ago and noticed my account was marked in a paid ahead state. I have never paid ahead as I always use direct debit. There have been several errors with my loans over the last two years requiring administrative forbearance holds to be placed on my loans in order for FedLoan to fix their errors. These pauses in payment were placed by the company and not requested by me. When they paused my plan, they did not direct debit from my account in summer of XXXX. I later was instructed to make that payment in XXXX and that was to be retroactively applied to the payment they did not debit ( their error ). I have received PSLF detailed payment trackers that show that payment was successfully retroactively applied to the payment they incorrectly paused. I suspect that payment triggered a paid ahead status on my account in fallXX/XX/XXXX. I did not see it noted as paid ahead until XX/XX/XXXX. I called FedLoan in XX/XX/XXXX and asked for that to be removed. They stated they could remove it going forward but that they didnt need to remove it retroactively. I am aware of people being denied PSLF for being in paid ahead status. I emailed my assigned customer service contact XXXX XXXX who has dealt with the other errors made by FedLoan on my account. I have not heard back. 

I would like to see written documentation from FedLoan that the paid ahead status has been retroactively removed from the duration of my account and that my account will no longer be placed in paid ahead status. 

I will be ccing my Congresswoman XXXX XXXX office on this matter as they have been involved in conversations with Department of Education on my behalf in the past to correct FedLoan errors.
Consumer complaint received 2019-06-08
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Lending Club Corp (IL)

LendingClub is an online consumer loan company - outrageous interest rates that they do not explain adequately in order to deceive the borrower. They focus on monthly payment amount and not the fact you will basically pay for the loan twice. Furthermore they prevent access to your online account to audit payments and have insight into their lending practices. I have not been able to get access to my account for 6 months. They insist on you having a verification code which they say they send to your email and is valid for 10 minutes. The codes finally arrive in your email 24 - 48 hours later after the code has expired. I contend this is to prevent consumers from realizing the extensive amount of interest being charged as well as making any additional payments. Attempts to complain or resolve are left unanswered. I have spent a total of 4 hours trying to get this resolved. The last time I could access my account was in XX/XX/2018. Consumer should be made aware of this practice and to be cautioned against this practice. The company does not send out electronic or paper statement affording the consumer no access to their account activity or history all in an attempt to cover up their lending practices.
Consumer complaint received 2018-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

I have a some addresses on my report that are not mine. My name is XXXX XXXX XXXX please remove any other variation. My CURRENT AND ONLY EMPLOYER IS MY company : XXXX XXXX XXXX (XXXX XXXX) Please remove all other employers I am not affiliated My current and only address is XXXX XXXX XXXX , XXXX,OH XXXXXXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX

XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXXXXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXXXXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXXXXXX XXXX XXXX XXXX, XXXX, OH XXXXTHE FOLLOWING PHONE NUMBERS ARE NOT MINE PLEASE DELETE (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 2019-06-08
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: USCB, Inc. (CA)

This medical debt was original sent to my employers address : XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, even that is incorrect the address is XXXX XXXX XXXX XXXX not XXXX. 

My home address is : XXXX XXXX XXXX XXXX XXXX CA XXXX Last year around XX/XX/XXXX I informed the medical provider that somehow they had listed my employers address instead of my home address on the medical records In late XXXX my employer received these XXXX invoices at the XXXX XXXX XXXX XXXX. 

On or about XX/XX/XXXX I received the medical bill, I then called and spoke to a rep to verify if it was my debt. The debt was confirmed by both parties and told them I would call back upon receiving my paycheck to pay off debt. 

On XX/XX/XXXX I phone the collection company and made the arrangement & negotiated that upon full payment for these XXXX accounts being reported on my credit files to have them removed. 

I made a payment with representative Terra # XXXX to pay {$860.00} to XXXX XXXX.
Consumer complaint received 2018-07-24
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Collection Systems, Inc. (TX)

To Whom This May Concern, I have written multiple letters for verification of this debt requesting a copy of ; Agreement from the client that authorizes National Credit Management to collect on this alleged debt, An agreement reflecting my signature that confirms my acceptance of obligation, & A full and clear explanation of how you calculated the debt. 

I have also reached out to the Credit Beaus for assistance and I have yet to receive the requested forms of verification regarding this debt. Upon personally investigating this company. National Credit Management at location XXXX XXXX XXXX XXXX. XXXX XXXX, Mo XXXX is NOT registered with the Secretary of State of Collect in the State of Texas. This is a requirement to collect ANY debt in the state of Texas. Company can not provide requested documents for verification. please delete
Consumer complaint received 2021-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (NJ)

For over two years Ive tried with both XXXX XXXX auto loan and Experian to resolve the incorrect information on my credit report to no avail its a perpetual circle that no one knows how to fix or care to XXXX XXXX has me as delinquent on Experian Credit Report and within bankruptcy when Ive been discharged from Chapter XXXX bankruptcy sinceXX/XX/XXXX also XXXX XXXX  was paid in full. When I called they have no history of my account I do not have the Vin number since the car was totaled a long while ago please help
Consumer complaint received 2018-07-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BARCLAYS BANK DELAWARE (MI)

On XX/XX/18 I paid in full my Barclay MasterCard ending in XXXX the balance was {$2800.00}. As always I would check my account online or by phone.Since I have this account I always keep it in with good standing.When I call in the system would always ask me a series of security questions to confirm it is me such as my date of birth, the last four digits of my social security, mailing address, mother maiden name.When I call in to check on my account it ask once a series of question security which I answer with no problem then I was transfer with to live a person in customer service which I answer and pass a series of question.Then they say they still a problem of ID that is me. Then they ask me to send a copy of Driver License, Social Security Card, Utilities bill which I did and I did not heard from them in many things.So I contact them again then they got them but now I need to make a copies of the back of my Driver License and Social Security Card and I also told them the second time that I have two address one for my primary and the other secondary.Then I mail a copies of back of the two documents they requested then still I did not heard from them for many days once again I have to contact them and go to a series of question and they still place restriction on my account. I have reason to believe they have done this because Iam XXXX.
Consumer complaint received 2018-07-24
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (ME)

I first called to close my retirement savings certificate of deposit in XX/XX/XXXX. The interest rate was only 0.15 % and since I wanted money for home improvement, I decided to close this account. I was told first that papers would be mailed immediately but then, after being on hold for a long time, I was told to call back the next day as he had to check security questions. That afternoon I received a letter from Wells Fargo stating that my account was inactive because I had not called them recently. My account was set up to send a check each XX/XX/XXXX and I did receive one in 2018. I have never received any notification that I had to call them about anything. In fact, in the past they called me telling me I had to set up a checking account in the amount of {$200.00} in case of problems. That I finally got back after complaining a few years ago. On XX/XX/XXXX I called and spoke to another person and discussed the letter, the lies from the previous person and asked for the papers to be sent. He informed me they would be sent out that evening and by the time I received them and sent them back, my account would be active again. I called again today because I had not received the papers and I was told yet another story. The papers allegedly were sent out yesterday and would take up to ten days to get to my home, it would take 7-10 days to get them back and process them and then another 7 to 10 days for me to actually receive my money. I consider this a delaying tactic and yet another example of them trying to cheat me out of my money.
Consumer complaint received 2017-12-16
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: EQUIFAX, INC. (NC)

I sent a dispute letter to equifax in regards to inquiries that are appearing on my report that I did not authorize. I received a letter in the mail that told me I needed to reach out to the companies directly. This bureau is illegally reporting inquiries that are not factual or authorized. With all of the breeches that have taken place within this bureau I dont think it is fair to tell everyone that they should reach out to companies. I want those inquiries removed.
Consumer complaint received 2021-11-10
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: AMERICAN HONDA FINANCE CORP (GA)

Repo man came at XXXX XXXX  on XX/XX/21 to repo car. I've contacted finance company but haven't received any written statements and I've been locked out of my account online. They will sale my car on XX/XX/XXXX
Consumer complaint received 2021-01-29
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. (IL)

I wrote XXXX and Equifax about the information on my credit report about a bankruptcy on my report and the response I got was it was verified by a 3rd party and not the Bankruptcy courts. I contacted the bankruptcy courts, which clearly state that they do not report to the credit bureaus. I wrote the letter stating that they must remove this because it was not verified or reported by the courts. I sent a copy of the letter from the courts, which backs what I am saying. What sparked this was they said the courts reported this to them. They are refusing to remove this. My XXXX report has removed this item already, but XXXX and Equifax are refusing to do so. I was told it had to be verified by a first party which is the courts. I have the letter from the courts.
Consumer complaint received 2018-07-24
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (MA)

Transworld System , Inc., representing XXXX XXXX XXXX XXXX XXXX ( XXXX ) has been receiving payments on a debt via tax return offset since 2014 ; and receiving monthly payments via garnishment from social security benefits ( 10 %, {$110.00} ), and payroll garnishments. However, monthly statements do not reflect any payments from the above mention streams, and do not reflect a reduction in the debt balance. Where are these payments? When contacted, both entities, each stating, verbally and in writing, that no payments have been received. However, I have received notices from the Department of the Treasury that payment interceptions have been made.
Consumer complaint received 2020-09-18
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. (CA)

XXXX XXXX should not be reporting to Experian and XXXX  a charge off on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The original creditor on this account was XXXX XXXX and the account was sold to XXXX XXXX. This account is being reported in error and this inaccurate reporting is seriously harming my credit score. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus as well as XXXX XXXX to remove this however, I have not been successful.
Consumer complaint received 2021-08-13
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

FRAUD ALERT : Proof of COVID deferment was submitted by XXXX. XXXX  REFUSES to review official letter. FCBA IS NOT RESOLVED as indicated in letter from XXXX XX/XX/2021. Which is contrary to XXXX  ' results.