davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-27
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. (GA)

Hello, my identity was stolen several years ago. While I was at work someone stole my wallet with all my identifing information in it. They had rented a car in my name and gotten several forms of credit. I did not know any of this until I was stopped for a random traffic stop and the police stated all of this to me. I am now trying to correct issues that were made to my credit history. I would appreciate your prompt attention to this matter.
Consumer complaint received 2017-12-16
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: AMERICAN EXPRESS COMPANY (NY)

american express claims that the charges on my statement that ive disputed were valid which is a lie.i have never made these purchases.they are fraudulent imam not paying for something that ive never ordered.i demand that american express investigates and credits my account or i am going to FILE a complaint with the FTC and the Better Business Bureau.
Consumer complaint received 2022-04-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: JPMORGAN CHASE & CO. (NJ)

on XX/XX/2022, I called my credit card company chase to let them know that I was having a hard time making my payment this month and did not want to be negatively reported to the credit bureau, I was told by the representative on the phone, that if I made a small partial payment of {$50.00}, chase would consider my payment a good will payment towards my debt. They instead reported me to the credit bureau as delinquent because my payment was late. I called in to talk to a supervisor and was told that I was given wrong information by the rep and there was nothing they could do to assist me in updating my credit report. I am in the process of applying for work and buying a home, so any negative information on my credit report will have a huge impact on my life and that of my family. I have since scheduled a payment of {$220.00} to bring me up to date. I kindly ask that chase please help me in correcting this negative information.
Consumer complaint received 2018-03-02
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. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Virginia XXXX SSN : XXXX DOB : XX/XX/XXXX 2 XX/XX/XXXX To Whom It May Concern, I recently pulled a copy of my credit report and noticed the following information are in error. I have contacted all three credit bureaus Equifax, XXXX, and XXXX on XX/XX/XXXX and these inquires and addresses have not been removed. 

Credit Inquiries The FCRA states that the only permissible purpose for pulling someones credit report is Firm offer of credit Insurance Employment Court Order The following credit inquiries are related to none of the aforementioned permissible purposes : XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX   XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX, VA XXXX The following addresses are not related to me for any purposes : Former Address2 XXXX XXXX  XXXX, VA,XXXX First Reported XX/XX/XXXX Last Reported XX/XX/XXXX Former Address3  XXXX XXXX XXXX XXXX XXXX, VA,XXXX First Reported XX/XX/XXXX Last Reported XX/XX/XXXX Former Address4 XXXX XXXX XXXX XXXX, VA,XXXX First Reported XX/XX/XXXX Last Reported XX/XX/XXXX Former Address5 XXXX XXXX XXXX XXXX XXXX XXXX, VAXXXX First Reported XXXXLast Reported XX/XX/XXXX Former Address6 XXXX XXXX XXXX XXXX, VA,XXXX First Reported XXXXLast Reported XX/XX/XXXX Please remove these inquiries and addresses from my credit report immediately. I have enclosed a copy of my drivers license as proof of my identity. 


Respectfully, XXXX XXXX XXXX
Consumer complaint received 2021-02-13
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: NJ LENDERS CORP (NJ)

NJ Lenders has not responded to my complaint. Duplicate is not the word that should be used it should be avoidance behavior or non compliance of responsibilities. This is not a duplicate or similar request. Closing the case ID is an example of avoidance behavior resulting from fear of the finds of who the payee who accepted and deposited the check is. 

Please respond via the CFPB website with the identity of the payee who deposited the {$130000.00} from the XX/XX/2005 NJ Lenders refinance. 

I am the person who has been paying back the money and I am the person who will have to pay the lien off before I can sell the property and have a right to know the identity of the payee who accepted and deposited the {$130000.00} from NJ Lenders
Consumer complaint received 2018-03-27
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY (CA)

I opened a checking account at Wells Fargo branch ( at the XXXX XXXX XXXX XXXX XXXX, CA XXXX ) with the offer code " XXXX '' which is a {$300.00} bonus offer for a opening a checking account. The Banker ( XXXX XXXX XXXX ) and the branch manager reviewed my Wells Fargo history relation and informed me that I am eligible to open the account with this promotion. 
Under the offer the account must receive a total direct deposit of {$1500.00} for 3 consecutive months. I met this requirement. 

The Banker and the branch manager informed me that I meet the Additionall requirements as follows : you can not be 1. A current owner on a Wells Fargo consumer checking account ( which I as not ). 
2. A Wells Fargo team member ( which I as not ). 

I met all of the requirements, and the {$300.00} bonus was needed to be deposited into my account on XX/XX/XXXX. 

Another requirement is that that you can only receive one consumer checking bonus in a 12 months period ( limit one bonus per customer ). 
I did received a promotional bonus on XX/XX/XXXX. The terms say " A recipient of a consumer checking bonus in the past 12 months. '' The bonus was supposed to be credited into my account on XX/XX/XXXX, which is more then 12 months from the previous one that I received on XX/XX/XXXX. 

The terms and conditions are very clear and they are not ambiguous. Based on the clear terms and conditions the Bank is legally required to pay me the {$300.00} bonus. 

Furthermore, the Banker and the Branch Manager, at the time of account opening, reviewed my profile and bank history with Wells Fargo, and they saw in the system that I received a bonus in the past, on XX/XX/XXXX. They read the terms and the condition and told me that I am eligibility for this offer. Therefore, they opened my account and applied the promo code " XXXX '' into the system. If this was not the case, they needed to informed me than and then that I am not eligible to this offer. Furthermore, they will not opened the account and applying the promo code into the system.
Consumer complaint received 2021-10-21
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. (GA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-05-31
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. (TN)

Equifax Bureau Dispute Dept. are refusing to fully Re-investigate under FCRA, of a consumer on my credit report name XXXX XXXX. I have ask under FCRA Sub-section 611 [ 15 U.S.C. Subsection 1681i ] ( 5 ) ( A ) ( i ) ( ii ), and ( 5 ) ( D ) and still Equifax Bureau Dispute Dept. have not complied with FCRA Regulations. They are stating that this account was open on XX/XX/XXXX. I have ask them for a contract that they have not provided. Also, from XX/XX/XXXX to now they can not show me for every bill statement, when was anything paid, how much was the bill on XX/XX/XXXX to XX/XX/XXXX, they have not provided that information. Equifax Bureau Dispute Dept. claim that they have verified this, I have ask them these questions 1. HOW DID YOU VERIFY?, 2. WHO DID YOU VERIFY THIS WITH?, & 3. WHO DID YOU SPEAK WITH TO VERIFY THIS INFORMATION?. I have not yet still got any response for these 3 questions but, still they keep sending out templates, to avoid what I am sending in by FCRA Law. I am in the process of sending all of this and everything by certified postal mail over to the President, Vice President, and House of Congress because Equifax Bureau Dispute Dept. are NOT FOLLOWING FCRA REGULATIONS. I DO NEED A FEDERAL ATTORNEY FOR A LAWSUIT PLEASE HELP.
Consumer complaint received 2018-10-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (GA)

hello, I have a first mortgage with wellsfargo, i was unable to pay my mortgage from XX/XX/XXXX of this year to XX/XX/XXXX due to lack of employment and or low income employment I went through a " loan modification '' process with wells fargo the during the modification process I informed wellsfargo that I secured a full time job with the XXXX paying a good salary and my start date is XX/XX/18 for some reason they did not submit my offer letter with the modification and told me I was denied modification and would have to go through the process again. I went through the modification and also submitted the offer letter as well as a pay stub. I was told I was denied modification because the " investor '' does not allow a second modification with in a 5 year period, I asked them why did they not tell me this from the beginning? they stated they are not allowed to. the income that I am making plus my rental income will more than enough cover any modification they may have, I even asked them how about a separate payment plan to pay of the XXXX balance which I can do in 16 months. they did not respond to that. they ask me if I want to keep my place but it seems they are not trying to help me keep my place. please help!
Consumer complaint received 2021-07-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Commonwealth Health Corporation (KY)

I have contacted Hillcrest Credit ANG regarding this matter. This agency has made false report on my credit and also continues to make harassing phone calls all day long. I have informed this debt is not mine and they have made zero attempt to do an investigation. I have never been a patient of XXXX XXXX XXXX. I have Health insurance that i would use for doctors visits IF I needed to go!
Consumer complaint received 2021-05-31
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. (NY)

Transunion has been contacted several times to investigate an error on my credit report. I contacted Transunion directly on XX/XX/XXXX and a representative stated he was opening another dispute of the company XXXX representing XXXX. My complaint is the amount owed to XXXX is incorrect and I have requested the documentation from the date I came to the store showing I purchased my XXXX from the company and showing how XXXX came up with the {$900.00} amount. I disputed using XXXX XXXX on XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX. Each time, the dispute is listed as valid, however, no documentation is provided to me to review. Therefore, the company is unable to prove the {$900.00} debt and I am requesting it is removed from my Transunion credit report.
Consumer complaint received 2021-05-31
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

To who it may concern I would like to report several violations against me. There are some errors and its been over 60 days and I haven't heard anything back. I also sent another letter and have not heard anything. I sent all the letters certified mail and have the delivery receipts to prove that they received my letters this is a violation under 15 U.S.C. 1692g. I demand the violations be addressed and deleted from my credit reports.
Consumer complaint received 2021-12-08
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Google Compare Credit Cards Inc. (TX)

XXXX PM XX/XX/2021 Purchase Google Play Gift Card in XXXX ( Receipt available ) XXXX PM XX/XX/2021 Attempt to use the card to provide funds to my Google Play account. 
The transaction fail. I submit a claim and provided all the information requested by Google. 
XXXX PM XX/XX/2021 Google send me email that says : " According to our system, your Google Account or one of the Play Gift Cards you submitted isn't eligible for appeal. '' The next few days I tried again in my different Google accounts with the same result. 
XXXX AM XX/XX/2021 I chatted with Google Suport agent XXXX XXXX. She said : " we can't provide you with a refund for your gift card. As stated in our Terms of Service, I'm afraid that we won't be able to refund Google Play gift cards purchased from third-party retailers. '' Those " Terms of Service '' are not provided at the time of purchase. 

This is a scam master minded by Google to steal money from the american people. They provided a product that they are not going to honor to third party retailers. The retailer sell the product their customers and keep a cut of the money or kick back from Google.
Consumer complaint received 2021-05-24
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: U.S. BANCORP (OH)

Paid off a lease with US Bank in approximately XX/XX/XXXX. In XX/XX/XXXX, XXXX more than 6 months later ) I began receiving statements for {$52.00} for " Misc Non-taxable '' with no other explanation. I returned the first one with explanation that car was paid off. The next month I called and XXXX claimed it was a Pennsylvania toll fee from XXXX. The date did not seem to line up with past travel, but so much time had passed that I requested proof ( toll invoice including picture of my vehicle ). They said they would mail but could NOT scan to me. In XX/XX/XXXX, I still had received nothing, so called again. XXXX said file appeared to indicate that it was mailed, but she would try again. Still nothing! Talked to XXXX again in XX/XX/XXXX and she was not sure why mailings had not been sent. In XXXX I wrote a detailed letter and asked that they provide the proof or stop harassing me. 
In XX/XX/XXXX, I talked to XXXX and he claimed details were sent twice but he did not have access to them and again NOBODY could sent them via email ( which is ridiculous ), I requested they try to mail again. About a week later someone who sounded just like XXXX called me and got very nasty and indicated I should pay whether I had the proof or not because it was my leasing company requesting the money. Absurd! I have spent so much time attempting to determine whether this is my bill. First, not sure why they didn't bill it at the time they paid it, second, why it wasn't included in my payoff figure, and third what is so difficult to provide the info I have repeatedly asked for. This has become emotionally draining for me and it needs to stop.
Consumer complaint received 2021-07-19
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Nelnet, Inc. (TX)

Once again I'm sending a complaint in for XXXX  XXXX XXXX about reporting on my consumer credit report without my consent. On XX/XX/2021 I reported improper use on my credit report by XXXX  XXXX XXXX to the CFPB, they responded back saying it's a unauthorized third party on XX/XX/2021. I am the consumer XXXX XXXX sending these unlawful practice information being use by XXXX  XXXX XXXX. Please remove all Great Lakes account from consumer credit report information. According to FDPCA, XXXX  XXXX XXXX violated 15 U.S.C 1692 ( c ).
Consumer complaint received 2024-02-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and Transunion credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX Balance : {$1400.00}
Consumer complaint received 2021-05-30
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Consumer Portfolio Services, Inc. (FL)

on XX/XX/2019 my car was totaled in an accident but it was still drivable after I put new axel tire & rim the insurance didn't pay the clam after 3 months the loan company said I would have 2 keep making the payments witch I did 4 about a year XXXX never paid the clam the car was leaking inside when it rained so I stopped paying on a totaled car then they repossessed it now I have a repo on my credit the car was only worth a few XXXX dollars very weird practice in my eyes so I got XXXX by XXXX & c.p.s.
Consumer complaint received 2021-07-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Federal Credit Control, Inc. (FL)

First federal credit control is reporting a XXXX bill that I'm not financially responsible for. They have been contacted repeatedly by phone and mail by myself, and also the agency I was a XXXX XXXX  for a family. There was XXXX insurance, and any amount owed after insurance, was to billed to the agency to be paid by the intended parents. 
The date of service was in 2015 for the balance of {$120.00}. 
A letter was sent informing the credit bureaus I wasn't financially responsible for this bill. XXXX  continues to report this incorrectly and inaccurately.
Consumer complaint received 2021-10-21
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: General Motors Financial Company, Inc. (NC)

I performed a one pay lease for the entire 36 month lease term ( e.g., pay the entire lease upfront ). However, GM/GM Financial does not properly calculate the Rent Charge/Interest due under the lease. In essence, GM Financial charges interest on the down payment, which results in paying interest on money that isn't actually loaned. 

The formula to determine the Rent Charge is : ( Adjusted Cap Cost + the Residual Value ) * the Money Factor * 36 ( 36 = the number of months in the term ). In my case, the total should have been approximately {$3400.00} ( XXXX ) XXXX. GM calculated approximately {$4900.00}, which was due to failing to take into account the cash down on the transaction. Here is GM 's calculation ( XXXX ) XXXX. 

GM 's failure to properly calculate the lease resulted in me being overcharged interest of approximately {$1400.00}. 

I've requested a refund from GM Financial, but the customer service representative didn't really understand how to calculate a lease or have any idea what I was talking about, so he was unable to help with the transaction. He told me that he would have someone call me, but no one ever called.
Consumer complaint received 2020-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (GA)

XXXX XXXX XXXX is reporting to Chex system thats acct was closed due to suspected fraud. There was not fraud and the account was never opened.
Consumer complaint received 2021-05-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (LA)

A company called Convergent Outsourcing is currently reporting on my credit file for a fraudulent account I have never heard of them nor done business with any of its affliates. I have never received any dunning letters from this company are received any communications from them to prove that this debt is mine in which it is not. I would then to stop reporting on my credit file until they can provide legal documentation that this is my debt in which it is not.
Consumer complaint received 2021-05-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TSC Accounts Receivable Solutions (CA)

In XXXX I had XXXX XXXX followed by intensive XXXX  to recover. My bills were numerous, and I reached my out-of-pocket limit on my insurance. I had several rounds of XXXX that were over my insurance allowance and these series were " re-upped '' by my carrier on multiple occasions for continued treatment. My last treatment in XXXX was on XX/XX/XXXX, which should have been covered by my policy. Instead, the final treatment was declined by insurance as being over my XXXX limit. After spending over XXXX in one year on deductibles and copays, the additional {$200.00} was an additional burden I didn't want to incur. I resubmitted and appealed to my insurance several times, but finally ended up paying the bill out of my own pocket to avoid having this go to collections. 

However, a collection still landed on my credit report, which was pristine ( not even a late payment ) prior to this. First, it was for the entire bill amount, which I disputed and had removed from all three credit reports, then this faux debt was reinserted on my XXXX report for a {$22.00} fee from the collection agency itself. I have tried to dispute this, had it deleted and then reinserted on my report again. 

I paid the original creditor ( which I never should have had to do in the first place ) but I was trying to avoid having this bill go to collections. I have never had any business with this collection agency, and they are in violation of the FDCPA by continuing to reinsert this bogus {$22.00} collection on my credit report.