davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-08
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (MI)

It was roughly XXXX of last year when my XXXX was hacked and my bank account ( Chime banking ) was stolen. The thief stole {$500.00} from me. I contacted Chime and didn't hear anything for seven months. I repeatedly called and called all seven months and submitted a form to them to dispute the {$500.00}, and even made a police report. Chime tells me that they see nothing wrong happened, there was no evidence of a scam or hack and closed the problem. Despite me sending screenshots of a conversation on my account I assured I never had and proof of them stealing money. A few weeks ago, with {$200.00} still in my account, Chime closed my account. And I have yet to see that {$200.00}.
Consumer complaint received 2019-10-27
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)

I have submitted many disputes as far back as of XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX there are account reporting on my credit report from equifax only there other credit companies have resolved the issues with fraud account and incorrect information this company still has an issue with fixing everything this has been happening since XXXX
Consumer complaint received 2018-03-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (GA)

XXXX XXXX XXXX has an account # XXXX stating that I owe XXXX   from 2012. XXXX another account # XXXX  reporting a XXXX balance These account was fraudulently acquired in my name de to identity theft. This account doesn't belong to me. This company has judgements in XXXX County Court System under my name that is negatively affecting me form acquiring a mortgage loan. I need this to be removed asap so that I can close on my property. I have also filed an identity theft report for the 3rd time.
Consumer complaint received 2015-03-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (TX)

I previously disputed the accuracy of the last active dates reporting from a collection agency on my credit report. I provided all three credit bureaus Equifax , XXXX and XXXX with a copy of a credit report dated XXXX/XXXX/XXXX for this account. The last active date reporting from the original creditor was XX/XX/XXXX. This item is over 7 years old and is still being reported on my credit report. Transunion completely deleted the item, Equifax has removed the original creditor XXXX from the report but the collection agency Fan Distribution is still reporting and providing them with a last active date of XXXX XXXX. Experian is still reporting XXXX who is now showing an open date of XX/XX/XXXX and a last status date of XX/XX/XXXX. Please assist me with updating my account to reflect the Deletion of this item. I have followed the required steps to dispute this item with the reporting agencies including providing them with the documented proof needed to make an informed and accurate decision but their actions seem to take the side of the creditor, seeing that the creditor has to pay them to have their accounts posted on their reports. Thank you for your assistance.
Consumer complaint received 2018-03-24
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Equifax Attn : Complaint Department XXXX XXXX XXXX XXXX, GA XXXX I have recently pulled my Equifax credit report and notice an account has been investigated and deleted by another credit bureau still being reported by Equifax. Attached to this letter is proof that these accounts were deleted. Please follow suit and delete these accounts for accurate reporting. They should be deleted in order to show my true credit history.

XXXX has removed all accounts associated with XXXX XXXX XXXX. These collection agencies were reporting the following accounts from the following original creditors.

XXXX XXXX XXXX Account # XXXX   Pursuant to the FAIR CREDIT REPORTING ACT, I EXPECT YOU TO COMPLETE THE REMOVAL WITHIN 30 DAYS. Please send my accurate report as soon as your investigation is complete.

Thank you for your cooperation, XXXX XXXX
Consumer complaint received 2017-03-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (TX)

I 've been submitting the information to be removed from my credit report about bk-dismissal and XXXX and Equifax are the only bureaus that keep reporting to my credit report. I 've called the court and they informed me that they do not report to the bureau. I 've been disputing this for over a year now.
Consumer complaint received 2018-03-24
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: JPMORGAN CHASE & CO. (NC)

I have reached out to JPM Chase via certified letter to rectify errors and discrepancies being reported on my personal credit report that JPM Chase is reporting. On XX/XX/XXXX, a letter certified letter was sent to JPM formally to make the company aware of my formal notice my certified letter was received/signed for on XX/XX/XXXX. In my letter I requested information to be provided for validations made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. A response was received from JPM Chase, however as when I pulled my personal credit, on the 31st  day from when JPM Chase received my certified letter. The company failed to DID NOT furnish the credit bureaus with the required disclosure, with the period as required by law. JPM Chase is required by federal law to place a " notice of dispute '' on my account within 30 days of my dispute, which they signed for onXX/XX/XXXX. This clearly shows that they have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and also the Fair Debt Collections Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. I therefore then notified JPM Chase of this federal law violation in XX/XX/XXXX, which the address that was furnished to me on my credit report reflects, however that letter was returned to me as an unknown address. Clearly the information being portrayed on my report is inaccurate. I then sent a follow-up letter on XX/XX/XXXX as a goodwill gesture to allow JPM Chase to remove this item as they have violated federal law by not properly providing the credit bureaus with proper notice within the required timeframe, and I have the evidence of such, via certified mail receipts, JPM Chase MUST NOW remove the items. JPM Chase then responded on XX/XX/XXXXwith a letter agreeing that the information is inaccurate and will now go ahead and send the information to the Credit Bureaus. This is clearly a violation of FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.

( B ) Time of Notice ( I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ).
Consumer complaint received 2018-03-24
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: SUNTRUST BANKS, INC. (PA)

I defaulted on a loan and the vehicle was repossessed. Suntrust bank sold it at auction then kept trying to collect the balance owed, approximately $ 20k. I couldnt pay the debt so after time it was turned over to several collections agencies. My husband passed away XX/XX/XXXX and I received a small insurance settlement. Several months after his passing, one of the collections agencies called and offered to settle the debt for $ XXXX. I was having a bad day and unfortunately agreed to settle. I gave them my bank account information and the funds were deducted and used to settle the debt. I never received anything in writing and the only proof of the settlement I have is from my credit report. Then, before filling my taxes for XX/XX/XXXX, I received a XXXX  for the $ XXXX that was written off. No one from the collections agency told me this would happen. Had I known, I would not have settled the debt. In fact, about 6-7 months afterward, I ended up filling for bankruptcy. Had I not settled the debt, I could have included it in the bankruptcy and would not have had to include the settlement on my taxes. Since I never received anything from the collections agency, I dont even know how to contact them to complain, although I doubt it would make any difference even if I did. Is there anything that can now be done?
Consumer complaint received 2016-04-11
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: ENOVA INTERNATIONAL, INC. (NM)

I have been caught in a financial crisis for several months due to unexpected emergencies last year. NetCredit seemed to be a helpful source until recent financial education and counseling I received. I was also informed that NetCredit is in violation of the Military Lending Act. I have contacted NetCredit twice and have yet to received any return correspondence or assistance. What are my options in resolving this?
Consumer complaint received 2018-03-24
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: Experian Information Solutions Inc. (GA)

Experian continues to violate my rights under FCRA. I have disputed several times regarding XXXX XXXX  University. The account was settled in XX/XX/XXXX and I was informed XXXX  would not report to credit bureaus. Screenshot showing settlement uploaded. In XX/XX/XXXX, Experian begin inaccurately reporting this settled account as a collection account with late payments in XX/XX/XXXX. They also reported it inaccurately as an unsecured loan. So now my credit report has a derogatory account showing a late payment in the last 30 days. I contacted XXXX XXXX, a Collections Manager at XXXX XXXX University about my issue. His contact information is XXXX XXXX  Collections Manager XXXX XXXX University XXXX   ( office ) XXXX ( cell ).

He sent me an email stating this was an error and he would make sure to remove it from my credit report. Screenshots of email uploaded. I called Experian to share this info and was yelled at by one of their Customer Service agents who dismissed my concern onXX/XX/XXXX. Ive never felt so belittled. I would like to pursue suing Experian, not only for, inaccurate reporting but for XXXX XXXX as I am a person with XXXX. What recourse do I have?
Consumer complaint received 2024-03-12
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION (DE)

Although I have displayed tremendous credit worthiness having a good XXXX, paying down my debt tremendously over the last 6-12 months, I have paid the account in full every month for years, never been let, have deposits with the bank which demostrate my income and my debt to income ratio is more then manage yet capital one refuses to increase my {$1500.00} credit line. Since this is my card of choice because of the cash back program. I have to make several payments throughout the month to use the card. My credit file is deep with zero delinquencies, several lines over XXXX however capital one refuses to increase and consistently declines my request for a higher line my to handle my monthly purchases causes more then frustration. At this point the only explanation is discrimination. It makes no sense to put a consumer who does majority of their banking and demostrates credit responsibility through this treatment.
Consumer complaint received 2024-03-12
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Incomm Holdings Inc. (CA)

I bought a Vanilla visa gift card at XXXX XXXX on XX/XX/XXXX, however the card is not accepted anywhere, so I called for a replacement. The customer agent confimed that the replacement is sent on XXXX and will arrive with in XXXX business days. After XXXX business days, i reached back, they told me to wait XXXX business days which is XX/XX/XXXX, that's the latest deadline for the shipping. I asked to get a refund by check if I still did not receive my card by then, the agent agreed. At the end of XX/XX/XXXX, I still did not receive my card. I called vanilla, all they did is let me wait " a few minutes '' to look into the case, then let me listen to system music for XXXX hour without anyone responding. I tried multiple times, and they refused to provide me a case number to do a credit card dispute.
Consumer complaint received 2019-03-04
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (WA)

This has to be a strange chain of events. I was discharged from Chapter XXXX bankruptcy in XXXX of 2018. The reason I filed bankruptcy was divorce and XXXX. Over that time I worked extremely hard to get back on track with life and my finances. The house that XXXX serviced is still not sold but I was able to secure an FHA loan this XXXX and before my first payment, my new loan was sold to XXXX. Now Ive already been down the road of having to file multiple complaints against this company for debt contact or false statements on my credit report after the bankruptcy to the point that the state AG was involved. But how can I talk to this company when legally we arent supposed to talk and they already have me stuck on a title for a home I can not sell, they will not sell and is why I want FHA since mortgage cant use my VA loan again until they sell the home? 
On XX/XX/XXXX, I set up two things on their site. One was a one time payment which was scheduled for XXXX. The due date of the payment. The other is for automatic withdrawal. Ive been on hold for 34 minutes trying to talk to someone. My payment has still not come out of my bank account. Which btw, considering the past issues Im not sure its ethical for the bankruptcy business should have new access to my financial information moreover any access to my account - what if they try to take funds for the other account Im discharged from? 
Interest in a mortgage is a daily thing. Today is XXXX. Their site and the email confirmation said it would come out that day. The funds are in my account. I have validated no issues and called XXXX XXXX XXXX already. There is no pending withdrawal from this organization. I have been told by my bankruptcy attorney that is should not say yes to any questions from Them authorizing them to start harassing me again. Well how can I do that when again theyve purchased my new loan? Bankruptcy and recovery from it should not be his hard. Most people dont recover as fast as I did but I made it and Id like to not have to go through this personal XXXX again
Consumer complaint received 2016-09-16
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (NC)

Filed disputes for charges from my Wells Fargo bank accounts. Merchants provided emailed or paper receipts reflecting credit slips including cancelled transactions. However had to file disputes in order to recover funds. I provided Wells Fargo with all requested documentation to recover funds. The contact center and branches decided to close all of my accounts. I requested my funds from all accounts and expressed that no balances, overdrafts, charges or credits were pending against the accounts. More specifically my savings account has no attachment to my affected checking account. Wells Fargo has advised not to provide my {$410.00} to me until XX/XX/2016. I advised that these funds are social security income funds. Branch and executives advised that they refuse to release my held funds. I demanded a release of my funds and they refused. I advised that this is illegal and Wells Fargo has violated my rights!
Consumer complaint received 2024-03-12
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENOVA INTERNATIONAL, INC. (TN)

Cashnetusa has continuously called my phone number for over a year, and Im just about tired of it. I used to have an account with them, but I do not anymore, and I email to confirm, and they told me they have not been calling me. With that being said, I have a new number, and I have suspicions that they are trying to contact the person that used to have this number for their loans. When I emailed them about not contacting this phone number, I was ignored and told they werent calling me. They call me at least once a day sometimes more on many different phone numbers leaving the same exact robotic voicemail. I have asked them to stop, and they wont. They completely disregarded me telling them that they are now contacting the wrong number since that person does not use this number anymore.
Consumer complaint received 2022-09-08
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I filed a dispute regarding incorrect items on my report well over 30 days ago and I have not received any investigation reports/results. The dates for XXXX XXXX do not align and I have more inquiries than possible.
Consumer complaint received 2021-09-08
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MO)

I have sent multiple letters asking for validation and the method of how they validated multiple fraudulent and questionable items on my credit report and have not received back anything in over 45 days for these accounts that are clearly inaccurate and fraudulent accounts. This credit bureau is disregarding the law and taking advantage of consumers, and this has caused a big XXXX  on my life.
Consumer complaint received 2019-10-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (WI)

I paid XXXX XXXX for debt owed to XXXX in XXXX, 2018. I have DCI Consultant coming after me for the same debt. I repeated call DCI and XXXX to let them know that I paid XXXX XXXX, who said they were the orginal debt collocter, therefore I have 2 debt collectors coming after the same debt. I just spoke with DCI this week to no avail, and I called XXXX and they will not return my call. This has a negative impact on my credit report and I would like to get this resolved immediately. 

Thank-you
Consumer complaint received 2021-09-08
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: SYNCHRONY FINANCIAL (OH)

I filed a complaint against Synchrony Bank about two weeks ago in reference to them closing my QVC credit card and they RETALIATED by lowering the credit limit to my JC Penney credit limit amount. It went from XXXX to XXXX using the excuse that my income was too low and I had too many credit cards on file. 

I pay my bills every month on time so that never should have been a problem.
Consumer complaint received 2022-09-08
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Carvana Group, LLC (MO)

Carvana has denied extension of my credit which is a violation of XXXX of Consumer Law. They are refusing my credit transaction as a Finance Charge state that it's the sum of all Charges. XXXX, which is the supervisor, stated I was approved for the vehicle & now partially approved if I pay them {$17000.00} which is a seperate transaction for the same transaction. 15 USC 1605
Consumer complaint received 2018-03-24
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Westlake Services, LLC (SC)

On or about XX/XX/2017 I took out two title loans over the internet with the company XXXX XXXX XXXX  : I was told that the interest rate would be around 40 % and when I got both title loans contracts the interest rates were 55 and 66 % on both title loans : In this year of paying these title loans down XXXX XXXX XXXX  have refinance or put the past due payments at the end of the loans : At least three to four times now : It seems like there's no end in site : My car has been falsely reposes once and they apology for it and did not charge me a pickup fee : because I had made arrangement prior to them ordering a repo of my car : but nevertheless I had to miss work and call an Uber driver to pick me up as well : The rates are to high and the balances are not going down : I was told one thing and paying another thing :
Consumer complaint received 2018-03-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc. (IL)

I WAS NEVER UNDER TH IMPRESSION THAT I WERE USING ALL LOANS TO COVER SCHOOLING. I WAS UNDER THE IMPRESSION THAT I WAS USING FINANCIAL AIDE AS WELL.i NEED TO KNOW WHY WERE SO MANY LOANS BEING USED.AND AFTER SCHOOL I FIND OUT THE CLASSES WERE NOT  ACCREDITED. PLEASE CONTACT ME XXXX