davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-09
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. (LA)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

SXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have a right to privacy.

15 U.S.C 1681 Section 604 Section 2 : It also states consumer reporting agency can not furnished a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information and any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-07-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I have disputed this item twice previously and advised this was not my debt and I wanted to see the contract from the original debtor. All I keep receiving in the mail is a general statement showing how much is owed and who it is owed to. They refuse to send me the documentation I am asking for and I have no knowledge of this debt. The debt has been placed on my credit report for all 3 credit bureaus. I would like this debt to be removed unless they have a valid contact from the original debtor showing I signed or authorized this account.
Consumer complaint received 2017-07-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

To Whom It May Concern : The creditor XXXX/XXXX, did not present a contract ( VERIFICATION OF DEBT ) as requested in XX/XX/XXXX 2017. Also, one complaint has already been made with no resolution. The creditor has reported an inaccurate and unverifiable derogatory mark with all 3 credit bureaus. XXXX failed to provide the required verification of debt within 15 days of receipt of the initial CFPB complaint that was received, which is a Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) and Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ). Proper verification is a signature and verification that I have a contractual obligation to pay them as the Debt was written as loss to the creditor. For purposes of this subdivision, reasonable verification shall include documentation of the name of the original creditor, the name and address of the debtor as appearing on the original creditors records, the original consumer account number, a copy of the contract or other document evidencing the consumer debt, and an itemized accounting of the amount claimed to be owed, including all fees and charges. I am again stating that the debt is not mine and that no proof of my signature has been provided to verify this debt.
Consumer complaint received 2021-09-08
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Exeter Finance, LLC. (CA)

I got a job with a company that required me to have a car to keep the job, I didn't have perfect credit ( just fair credit ), but I felt that I was taken advantage of because it was during the beginning of the pandemic and I had no one to help me when it came to negotiating the loan. I didn't have a down payment and the company I had the job with would not give me a letter saying that they had just hired me so I was a sheep among wolves. The dealership told me that there was a company that would finance the car and I didn't have to have a down payment so I said okay. I was trying to keep my new job. The dealership drew up the papers and added services onto the contact and then sign my name to it which added on extra fees to my car loan. My car payment is more than I can afford and every month I struggle to make the payment, I have been thinking seriously about bankruptcy. I need my car payment to be what I can afford and the extremely high interest rate to be lower than it is. The finance company said that I would have to make my High car note payment for 1 year than they would consider refinancing my car loan at a lower rate. I got my car XXXX, and it is just too high. I told my sister and my son about my car note payment and how much I have to pay, they both said that " They took advantage of me ''.
Consumer complaint received 2017-11-16
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AMERICAN EXPRESS COMPANY (FL)

I am in receipt of the update I was sent. The problem is that I do n't have my first delinquency date. What is that?? Your claiming that I was defaulted but when? What physically was it? 

Your claiming that the account was delinquent in XXXX of XXXX but from what I was told originally was something different. I was told it was XXXX XXXX - I called so many times and each time I am told a different matter. I need this account gone like yesterday! 

I ca n't have this account report longer since your company is making frivolous actions against my report. 

a response is needed with a deletion of the account
Consumer complaint received 2017-11-16
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Fidelity National Financial, Inc (MI)

XXXX XXXX XXXX XXXX came back saying that I didnt have title insurace i Paid {$600.00} it was documented they lied about this saying I didnt have any. Furthermore they said I received {$84.00} check I never did get any check like that please have them send copy to me there is no and satisfaction letter was not discharge of mortage The Court did not accept this The Court said that they did not d this properly. XXXX XXXX agrees this was their mistake and didnt do it properly. How can they get away with lying like this this is so wrong. There was a lien left on my property. They did not do the title work properly. Will be faxing the documents showing all this too big they wont let me attached files called the CFPB and they said just to fax it and send with complian number so I will be doing that.
Consumer complaint received 2022-09-09
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. (NY)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please take notice of my intent to sue. In previous months, I requested the removal of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or response which I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and update my records. Please update the account, which you have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to correct the account listed below : XXXX XXXX XXXX XXXXXXXX Date OpenedXXXX Balance : $ XXXXLate/Open Late Date XX/XX/20
Consumer complaint received 2017-11-16
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. (CA)

On my letter dated XXXX XXXX, 2017, I requested this credit repository to conduct an investigation on a couple of items reported incorrectly particularly Bankruptcy CHXXXX ref # XXXX. Apparently, despite the incorrect status and despite this item not associated with my social and date of birth, this credit repository insists that these pieces of information were verified. I was able to verify with the court that the item was withdrawn XX/XX/XXXX. More than 40 days had passed and yet this company continues to report this incorrect item.
Consumer complaint received 2024-03-21
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credence Resource Management, LLC (HI)

Credence resource management sent written notifications with insufficient information about the debt after failing to inform me that a debt was owed. My credit report was flagged for collections XX/XX/2023 by Credence resource management for a debt to XXXX of {$500.00}. I wasnt aware of this until checking my credit report in XXXX. I sent a written letter to XXXX  resource management XXXX requesting proof and documentation of debt that would have my personal information, or other identifying information that proves that I am the owner of the account. Credence resource management responded with a letter saying that they have validated the charges on my account, but failed to provide me any documentation that proves that I am the owner of the account.
Consumer complaint received 2017-11-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (KS)

I am a XXXX working for a community mental health center that is funded by county government. I have been in this position for 8 years. I should be eligible for the public service loan forgiveness program. When the program began I contacted my servicer, XXXX XXXX, now Navient, and enrolled in an IBR plan in order to start making the XXXX payments needed to take advantage the the PSLF program. I was told that I would just start making payments, and that nothing could be done to certify or ensure PLSF participation until the payments were completed. I did not learn until this year that I should have been told to re-consolidate my loans so that they are the proper type to take advantage of PSLF. As a result 8 years of payments that I intended to count towards the required XXXX do not, and I have to start from the beginning.
Consumer complaint received 2017-07-10
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A. (CA)

On X/XX/2017, two charges were made to my PNC account from XXXX. One was for {$9.00}, which brough my balance to {$2.00}, and the other charge was {$3.00}, which brought my balance to negative {$1.00}. I was then instantly charged a {$7.00} 'service charge ' by PNC . So my account was overdrawn by {$8.00} after this service charge. I did n't immediately take care of the problem as I have moved states, and was traveling/busy over the next two weeks. This is my mistake. I received a call on XX/XX/XXXX stating that my account was now {$170.00} in the negative. So because of one overdraft charge, and then the bank 's own fee, I owe nearly {$180.00} for going less than two dollars negative. The punishment I received does not match the crime. It 's like executing someone for stealing a loaf of bread. <P/>So I paid it off after unsuccessfully attempting to have them be merciful, and asked them to close my account. Never use PNC. Use a mattress. A mattress wo n't steal from you.
Consumer complaint received 2017-11-16
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: Experian Information Solutions Inc. (CA)

On my letter dated XXXX XXXX, 2017, I requested this credit repository to conduct an investigation on a couple of items reported incorrectly particularly Bankruptcy CHXXXX ref # XXXX. Apparently, despite the incorrect status and despite this item not associated with my social and date of birth, this credit repository insists that these pieces of information were verified. I was able to verify with the court that the item was withdrawn XX/XX/XXXX. More than 40 days had passed and yet this company continues to report this incorrect item.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

Under federal law, you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your investigation. Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re investigation.
Consumer complaint received 2022-03-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (MO)

I have been in contact with Ally trying to get an explanation to my pay off balance of {$16.00}, XXXX as of XX/XX/XXXX. I purchased the car XX/XX/XXXX at {$17000.00} with 18.59 %. I had paid almost {$12000.00} and they applied 99 % of my hard earned money to the finance charges and 1 % to the principal. How is this possible and legal for a bank to do this. I have never had a car loan from a bank that does this and I've had several car loans. Please note that the pandemic caused shutdown for months and I was out of work from 2 of my jobs and I still was able to make payments even if it was the full amount.
Consumer complaint received 2017-11-16
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. (CA)

A current report from Experian is reporting a XXXX XXXX XXXX paid collection that was deleted from my credit file back in XXXX XXXX2017 and now it has been added back on to my file with Experian. The CRA did not provide me notice of their reinsertion, then the reinsertion is a violation of section 611 ( a ) ( 5 ) ( B ).
Consumer complaint received 2017-11-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

For 2 weeks I have contacted Chase regarding fraud charges on my XXXX XXXX card, for XXXX weeks I have initiated contact with the vendors to get credit for the fraud charges, for 2 weeks I have given Chase the persons name, email and location, yet Chase continues to allow charges to my debit card. Why should I have to close my card and wait 5 days for a new card when they can contact this person to stop. Here is the latest charges XXXX XXXX XXXX XXXX XXXX. debit {$48.00}
Consumer complaint received 2024-05-20
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (GA)

After filing my first CFPB complaint and receiving a form response, I contacted Navient by phone on XX/XX/XXXX to get the form for school misconduct. I was told by the operator in the servicing department that she would refer my account for review and I would be sent the form if my loans qualified for school misconduct discharge. After two weeks of waiting, I still have not been sent the form. 

There is no question that my private loans qualify to receive the form. My federal loans were just discharged because of misconduct by the XXXX XXXX. From the Department of Education 's executive summary ( attached ) : " This group discharge is based on EDs finding that The XXXX XXXX and its parent company, XXXX XXXX XXXX ( XXXX ), made pervasive and widespread substantial misrepresentations that borrowers relied on to their detriment. '' " Due to its pervasive and widespread substantial misrepresentations that borrowers relied on to their detriment, ED concluded that The XXXX XXXX misrepresentations likely would have negatively affected all or nearly all students who enrolled on or after XXXX XXXX, XXXX, through XXXX XXXX, XXXX, and thus a group discharge is appropriate. '' Furthermore, Senator XXXX XXXX and 8 other Senators urged Navient to discharge predatory loans from schools like the one I attended because of " well-established school misconduct and predatory lending '' in a letter ( attached ) sent to Navient last month : We write to urge the Navient Corporation to cancel the decades-old, predatory student loans in its portfolio that are governed by the FTCs Holder Rule and subject to claims and defenses based on well-established school misconduct and predatory lending, said the senators. [ Y ] our company should provide relief to borrowers immediately, before the impending servicing transfer of these and other student loans to the XXXX XXXX XXXX XXXX  of the State of Missouri.
Consumer complaint received 2017-11-16
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (FL)

Filed prior complaint ( XXXX ) with CFPB on XXXX/XXXX/XXXX. Chase XXXX XXXX XXXX XXXX filed a response on XXXX/XXXX/XXXX and provided an amortization schedule of what new payments will be on my Heloc. Letter stated new payments consisting of principal and interest were to begin on XXXX XXXX XXXX. On XXXX XXXX, XXXX XXXX XXXX called me to notify me that he had sent a response to my CFPB complaint and stated my XXXX payment would be XXXX. XXXX XXXX stated that he was Chase 's single point of contact regarding any future problems with my loan. Received XXXX statement and payments were still interest only not principal and interest that was stated in XXXX XXXX, XXXX letter. After contacting XXXX XXXX and requesting to rectify the situation, XXXX finally contacted me after two weeks and stating he never received any of my three phone calls to him other than just one single request. Contacted XXXX XXXX again who reiterated he made a mistake on when the date the loan would change to principal and interest. I asked again what the monthly payment would be for the loan starting in XXXX XXXX and reiterated {$1200.00} according to the amortization schedule he provided in a response to the CFPB on XXXX XXXX, XXXX. Recieved a letter dated XXXX XXXX, XXXX from XXXX XXXX stating the payment error. 

On XXXX XXXX XXXX, XXXX I went on Chase 's website to make my XXXX payment and the payment was not what the amortization schedule stated on XXXX XXXX, XXXX that was sent as a response to me through the CFPB portal. I have made my XXXX payment on XXXX XXXX, XXXX and request that Chase provide 1. Newly corrected amortization schedule. 

2. Credit on my account of the difference of what I paid ( 1537.66 ) and what the amortization schedule payment XXXX. 

3. Print out of all phone recording that Chase has regarding all my phone calls with XXXX XXXX who clearly stated my payments were starting in XXXX and now changed according to a letter dated XXXX XXXX, XXXX to XXXX of XXXX which consist principal and interest I have left two messages ( XXXX XXXX, XXXX and XXXX XXXX XXXX ) to XXXX XXXX and two messages to his supervisor XXXX XXXX. Received no response by either. 

I have had my loan with Chase for 10 years and have never missed a beat paying my loan. I do n't know what the problem is but needs to be rectified ASAP.
Consumer complaint received 2024-03-27
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: WELLS FARGO & COMPANY (CO)

Wells Fargo did not properly credit auto payment to account. XX/XX/XXXX {$560.00} deducted from bank accounts, XX/XX/XXXX {$1700.00} deducted from bank account, XX/XX/XXXX additional {$50.00} deducted from bank account. These payments were to lower principle when selling used vehicle to XXXX. Wells Fargo did not credit {$560.00} to my balance, this caused me to have to send XXXX extra money to complete sale. I have shared evidence with Wells Fargo from my primary financial institution, XXXX XXXX XXXX, including full bank statements that show the amounts being deducted from my account. I have attempted to resolve with Wells Fargo without success. This is a similar issue to what they have had to pay class action lawsuits for in the past and it is happening to me.
Consumer complaint received 2017-11-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (NY)

Amount of {$3400.00} was wire transferred out of my checking account on XXXX XXXX, XXXX. 
It was unauthorized and I do not know who the recepient of the money is. 
I contacted Chase on XXXX XXXX to claim this anauthorized wire transfer. 
Chase told me that they will investigate. 
1 week later, I was notified that they DENIED the claim. 
They explained that my wife 's mobile phone was used for this transaction, which is NOT TRUE. 
I asked for more information ( ie : exact time of the initiation of the wire transfer since it has to be done on computer, chase mobile banking does not allow user to add a recepient of the wire transfer. It has to be done using chase.com on a computer, last login time on any device using her ID, etc ), but they refused to provide any information other than my wife 's phone was used for this matter. 
The Chase wire transfer claim department is NOT TAKING FULL MEASURE TO SOLVE THIS PROBLEM. 
Now they concluded that this is indeed NOT A FRAUD.
Consumer complaint received 2017-07-11
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. (NY)

all three credit burea have all avoided proof to change the situation on my credit report. XXXX is inaccurately reporting on my credit report, i have disputed with equifax, XXXX and XXXX countless times with no luck