davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-07
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. (NC)

Equifax credit reporting agency is showing a derogatory tax lien in the amount of {$34000.00} on my credit report. This tax lien was filed in XX/XX/XXXX and was paid and released on XX/XX/XXXX. Equifax is the only credit reporting agency that still reports this derogatory tax lien. From my understanding of the Fair Credit Reporting Act a tax lien once paid will be removed from a consumers credit report 7 years from the date the lien was filed. In this case Equifax should have completely deleted this derogatory item from my credit report 7 years from XX/XX/XXXX which would have been XX/XX/XXXX. Spoke with Equifax representative by telephone on XX/XX/XXXX concerning this and she stated the wording of the tax lien release letter should be vacated, withdrawn or lien was in error to have it removed after 7 years. Contacted XXXX Virginia District Court where the lien was initiated and the records department representative stated that the lien was released on XX/XX/XXXX and that released is there standard wording for paid in full tax liens.
Consumer complaint received 2024-02-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet TransUnion, XXXX XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. TransUnion, XXXX, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.
Consumer complaint received 2017-07-07
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (NY)

on XXXX XXXX-2017, was charged {$34.00} for insufficient funds/overdraft fees on XXXX XXXX-2017 was charged {$34.00} for in sufficient funds/overdraft fees on XXXX XXXX-2017 was charged {$34.00} for insufficient funds/overdraft fees XXXX XXXX XXXX-2017 was charged {$34.00} for insufficient funds/ overdraft fees on XXXX XXXX-2017 was charged {$34.00} for insufficient funds-overdraft fees. All these charges are not justify from their rules and regulations, therefore i requested a full reversal all the above charges XXXX-2017 ( at the time was only 3 times charged insufficient funds fees spoke to XXXX XXXX XXXX ( manager customer service for jp morgan chase ) and she totally deny any credit back to me and also she was unwilling to give me her id number. jp morgan chase has manipulated their rules and regulations so they can charge customers unjustified fees. the followings will describe how jp morgan reformulated their rules so they can steal money from consumers. # 1Last year they closed everybody overdraft protection accounts ( customers will have a line of credit to use it when account will go overdraft so they may charge over the limit fees # 2 they allowed checks to go in the account anytime during the day so they may charge customers fees unaware of the activity in their account # 3 i used login in the early morning in my account and see all the pending charges and covert them accordingly to a time frame regulated from the bank example : if a transaction will be pending status for {$500.00} at XXXX XXXX and only have {$300.00} in the account will make a deposit by XXXX and covering now checks are allowed in the account anytime of the day so the pending status does not exist anymore. its not fair that jp morgan abuse his customers this way and we all deserve a fair way to be treated even if we struggling financial
Consumer complaint received 2017-12-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Trans union I have disputed an item 3 times and transunion always says it 's verified or updated I requested a method of verification and they refuse to send it and then sends out letters that I do n't quite understand their explanation but still send me their method of verification per fora 611
Consumer complaint received 2018-03-26
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

This is a followup to complaint number XXXX regarding XXXX XXXX and Equifax. As reported previously XXXX discovered my identify on the dark web ( I am one of the millions of Americans affected by the Equifax breach ) and on XX/XX/2018 reported to me that credit checks from XXXX XXXX and XXXX XXXX were issued to Equifax for credit card approval utilizing an my old residence address and in the case of XXXX XXXX  an incorrect SSN. XXXX contacted me and we contacted both XXXX XXXX and XXXX XXXX to discover that Equifax approved both credit checks! Both XXXX XXXX and XXXX XXXX stated they would cancel sending out the credit cards and remove the credit check on my credit bureau reports. Since then XXXX XXXX has followed through and removed the credit check as reported by XXXX XXXX and XXXX. 

However, both XXXX XXXX and Equifax have refused to remove the credit check as a result of the XXXX XXXX fraudulent application. Attached is a letter from XXXX XXXX even refusing to acknowledge any fraud and demanding more information, which I have already provided by both phone and in writing. In my last conversation with XXXX XXXX they stated that it was Equifax 's issue as they had already submitted their report however, neither XXXX XXXX or XXXX  have received the XXXX XXXX correction request as documented by their credit reports.
Consumer complaint received 2020-10-20
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. (MD)

I recently obtained a copy of my credit report. In doing so I notice an account that I did not authorize this account to be on my credit report. I have attached a copy of my FTC report. Along with two proof of Identification. I am a highly intelligent XXXX XXXX Female. Please do not insult my intelligence by saying I am using a credit repair services. I know my rights and I know the law.
Consumer complaint received 2017-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (DC)

I have contacted CFPB a number of times.Regarding inaccurate information being reported to all 3 Credit Bureaus ( XXXX, Equifax, XXXX ) .The CFPB is supposed to protect me the consumer.When receiving a complaint from a consumer.The furnisher has to show verification, and validation. To back up there accurate account of disputes. A violation of the FCRA occurs under section 623 ( a ) ( 1 ) if it is shown that a party reported information what was knowingly inaccurate.In any dispute, the furnisher of the information can either verify the accuracy of what they have reported, or correct the inaccuracy should they agree that it is currently inaccurate. To the extent that the CRA considers a response to a dispute to be a date of last activity, that is not a substantive issue, and not a violation of the FCRA.
Consumer complaint received 2021-09-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (SC)

I received a loan which I learned to be a PREDATORY LOAN from Santander on XX/XX/2019. I decided to look to see if all was true and come to find out... they have only counted under {$400.00} as paid and I've paid over {$4000.00}. A massive lawsuit has happened and I feel they gave me a predatory loan and I want loan forgiveness, a waiver of deficiency for my title release to me and my credit report to not be harmed by them. They know my internal score was too low for the predatory lending they was offering. I need help urgently as a XXXX single mother struggling to now pay my car payments and they denied me extra time. Please help me; please.
Consumer complaint received 2017-07-07
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. (NJ)

I had recently sent a letter to cfpb showing that XXXX who took over my account from XXXX XXXX has been reporting incorrect information over the years in regards to my account. I had requested forbearance/deferment on my account over the years due to certain hardships, however during this time XXXX reported to the credit bureaus that my account was delinquent. I also sent a statement to both XXXX, the credit bureaus and cfpb to show the dates that were being reported and that during the time my account was in deferment/forbearance. I have not gotten any results from any of these agencies and my credit report still reflects negative information which is hurting my good standing.it is hindering me from purchasing a home and everything I do get ( credit cards etc ) all have high interest rates because of these negative remarks.also the interest being charged is bogus I took out a loan for XXXX dollars with XXXX XXXX and have been making payments over the years ( sometimes more than the minimum ) and currently owe XXXX.
Consumer complaint received 2017-11-09
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capio Partners, LLC (CO)

I have been charged and had two prior collections account for the same medical bill and the same amount {$330.00}. Finally I got those two collections deleted from my credit and now I have one more collection for the same medical bill and same amount reported on XXXX. I never received a phone call/mail/email notifying anything. They just added a 3rd account for the same charge without any notice.
Consumer complaint received 2018-12-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I was denied credit by Capital One that prevented me from getting the {$150.00} sign on bonus. They gave me a bogus reason " Length of credit history from XXXX  ''. My credit history is more than 10 years and I have excellent credit. I think I was denied credit because I always pay on time and they're not gon na make any money off me. I should be rewarded for my excellent credit, not punished. This is unfair and not right.
Consumer complaint received 2017-11-10
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. (NY)

I AM WRITING TO DISPUTE AN ACCOUNTS FRADULENTLY OPENED IN MY NAME.I AM A VICTIM OF IDENTITY THEFT AND DID NOT OPEN THIS ACCOUNT. I AM NOT RESPONSIBLE FOR ANY CHARGES MADE TO THIS ACCOUNT. I HAVE REQUESTED PROOF OF IDENTITY AT TIME OF OPENING SUCH ACCOUNT AND CREDITOR ONLY PROVIDED STATEMENTS AS THIS DOES NOT PROVE UNDENIABLE OWNERSHIP I DEMAND YOU PROVIDE PHOTO ID, SOCIAL SECURITY CARD WHICH CLEARLY PROVES I INDEED OPENED THE ACCOUNT. WHEN I CONTACTED THE COMPANY ALL THEY DID WAS SEND ME STATEMENTS PAYMENTS WERE NEVER MADE ON THIS ACCOUNT AS IT WAS FRADULENTLY OPENED AND USED PLEASE I REQUEST ALL LAWS BE FOLLOWED ACCORDING SO THAT THE CORRECT RESULTS AND OUTCOME COME FORWARD AS THIS ACCOUNT WAS NEVER MINE OR OPENED BY ME.
Consumer complaint received 2018-03-26
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Nicholas Financial Inc. (FL)

1. Car got repossessed in private property. Withing XXXX days of repossession, I was supposed to received a certified letter, with a reinstatement and option to buy back the vehicle, this was never received. 

2. At least 10 days prior to sale, I am to receive a notice of sale. Never received this notice. Making the company to break the law once again. 

3. Never got notice of deficiency post sale. 

4. Amount being reported it's unverifiable.
Consumer complaint received 2018-03-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I am writing for the second time regarding this account. Last year, I stated that I never received cash advances totaling over {$12000.00}, when my cash advance limit was {$3200.00}. They sent me several years copies of past statements for me to go over to defend my complaint. However, when creating a month-by-month spread sheet deducting payments, adding interest, etc., I found that there were several months missing. So I could go no further. They sent me a note indicating that I applied for a balance transfer and that is why the entire balance was applied to a cash advance. Why would I apply for a balance transfer for an APR rate that is over 29 %. Furthermore, my original credit card was with XXXX XXXX XXXX. It was sold to XXXX, and then to Capital One. I had nothing to do with this account going from one bank to another. 
I want them to go back and recalculate my balances from day one, apply the correct rate to purchases and deduct the high cash advance rate, and credit my account accordingly.
Consumer complaint received 2017-12-28
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Home Point Financial Corporation (MD)

Able to pay part of an offered agreement to bring me up to date on my mortgage. However, part of the offer includes paying two mortgages for the next three months. This is impossible for me because doing so would be using my entire monthly income. I would not have even a dime left to cover all other living expenses. Please advise. Thank you
Consumer complaint received 2023-01-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (ME)

On my XXXX Chase Credit Card statement, the total shown for all balances subject to interest going forward in time is greater than the statement closing balance. When I questioned Chase how this could be, they did not answer my question. See attached files for explanations.
Consumer complaint received 2021-06-24
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)

I have contacted XXXX  TRANSUNION AND XXXX  on XX/XX/2021 to remove all information on my consumer report. As I did not grant permission to furnish any information on my consumer report. All I got was the run around. I have been restricted of living life due to identity theft, because I did not give consent to furnish a report in the first place.
Consumer complaint received 2017-11-10
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: TOYOTA MOTOR CREDIT CORPORATION (TX)

I currently have two auto leases with TFS. Due to a XXXX of my father, I had to change the way the payment was drafted. Once this change was made, they began applying payments to my XXXX, when they were intended for the XXXX. The XXXX ended up have multiple 30-day late reports on my credit. Backup information was supplied to TFS.
Consumer complaint received 2017-11-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FIDELIS RECOVERY MANAGEMENT, LLC (NE)

Company has been calling for several YEARS. Most recently this morning ( XX/XX/XXXX, XXXX XXXX ). They keep asking for XXXX XXXX. We have told them DOZENS of times there is NO XXXX XXXX or anyone even close at this number. There never has been ; we have had this phone number since the XXXX. We 've never heard of this person. We have told them this repeatedly and have told them many times to stop calling. They keep calling.
Consumer complaint received 2021-02-07
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: Navient Solutions, LLC. (TX)

I went to XXXX XXXX XXXX from XXXX to XXXX and was swindled like many of the victims of XXXX  for-profit schools that stole millions from students. There are STILL ongoing lawsuits around this issue and settlements have already been made as reported by many mainstream sources such as here : XXXX  : XXXX the 3 credit bureaus CONSISTENTLY ignore letters around removing these student loans off my credit report on the basis of 1 ) ongoing litigation, 2 ) fraud and 3 ) deferment due to litigation. 

Navient is a culprit in this issue as well, as they consistently ignore letters and simply BUMP the loans every single year ( literally every 365 days ) into deferment due to numerous reasons, the latest reason being COVID. 

PLEASE GET THESE FRAUDULENT LOANS OFF MY CREDIT. As the secured party of the debtor of these loans, we will hold all appropriate companies responsible.
Consumer complaint received 2017-11-10
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Santander Consumer USA Holdings Inc. (MI)

XXXX XXXX is knowingly accepting a fraudulent loan. I spoke with this company by phone within a couple weeks of my purchase ( a CPO XXXX XXXX XXXX ) concerning the amount put down on my loan application as they were the only financial institution that accepted the loan. I got suspicious of the this dealerships doings ( XXXX XXXX XXXX XXXX ) after returning to my prior dealership ( for my trade in ) and my salesman there said my debt to income ratio should not have let me be able to get the jeep as I barely qualified for the car I traded in @ XXXX. So after I got home I called the financier XXXX XXXX, and although at that time they would not send me a copy of the loan app the gentleman I spoke too ; after telling him my income the past 2 years, stated my loan application stated almost triple what I told him, and that after finding this out would review and unwind the contract. I sent them 3 pay stubs by fax which only clarified what I told them. At that time the person I was talking too at that point ( XXXX ) said they would start the unwind. Then, all of a sudden, they stopped it. I offered to send them documented XXXX 's from the IRS from XXXX and XXXX, they refused. They even went to the point of making it so I can no longer contact their office with complaints. I started this all prior to making my first payment. I will send proof of my income and will send proof of 2 other loan applications sent out that day w/o signatures. Meaning that the dealership committed the fraud prior to any signatures, and that when I did sign it, it was at the time at the end of the purchase with ALL the other paperwork shuffled through, without noticed that they bloated my income, lied about the mileage and put down the wrong employer. Even after proof of all of this XXXX XXXX now refuses to unwind a proven fraudulent loan. They stated in a rebuttal to BBB that income was not a factor in approving the loan. Since when is n't income a factor. If it was n't a factor why did I have to fax their rep 3 copies of my pay stubs after finding out about my bloated income. Any ways whether they state that or not, a fraudulent application was still submitted to 7 lenders, this should have voided any contract as soon as found out and proven. My last salesman made a good point debt/income ratio not only protects the buyer but the seller for over extending credit.
Consumer complaint received 2020-10-20
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Conduent Incorporated (AL)

My name 's XXXX XXXX and when I got XXXX  I didn't have a bank account at first so opted to have a debit card sent to me, it is trough a company called way2go card or eppicard and from Conduent! Now I've had trouble with this company from the start. Originally had to cancel the first card because I never received it. The. Ordered one through XXXX. Finally got the card activated it and started to use it. It worked for couple transactions then started declining everything, I came home and called them, after several hours and being hung up on a few times finally got all ahold of someone and they said it would be fixed within 24 hours. Well after 24 hours I went to town and started using it again and the same thing happened, it worked for a few transactions then started declining every transaction. I came home again and proceeded to call the company again and after a four hour wait was finally able to talk to them again and his one they said it would be fixed within 24-48 hours and I wouldn't have any more trouble. Well I waited 48 hours and decided I'd call them before I went out or town this time to avoid looking crazy at the store it it declined again. It took another 3 hours to talk to someone and this time they said my account had been locked and in order to unlock it I had to send in a picture of my ID or SS card and Birth certificate, now I waited 19 weeks to get my unemployment and there was {$9300.00} on my card when I received it and now it's locked with over {$8000.00} on it and I think they are trying to take my money! I've since switched my payments to direct deposit but this company will not transfer my money to my bank account! My powers been turned off, my rents due and barely have any food! This is crazy I had set up text alerts from the first time I activated the card and never received the first alert! I want my money but don't trust this company!