davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-09
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 — Investigation took more than 30 days
Company: JPMORGAN CHASE & CO. (TX)

My credit report is showing that I was 30 days late XX/XX/2018 with my Chase Auto account XXXX. This was the month I did an extension and the XX/XX/XXXX payment was put on the back of the loan due to hardship. A month later I received a notification that Chase reported my account for XX/XX/XXXX days late. When I ( and my wife ) called an spoke with customer service I was advised that it was no reporting late on their end. The customer service rep said she would put a dispute in and it would be corrected. 30 day later ( XX/XX/2018 ) it was still on my report. I ( and my wife ) called again and spoke with customer service. At that time they advised again that it was not showing late on their end and it would be sent for dispute and I would get a letter in a mail advising me of the dispute. I never received anything in the mail. So I disputed it with all 3 credit bureaus. All 3 bureaus stated that the information was investigated and deemed correct. So at this point I am filing a complaint. Chase is advising me over the phone that it is not showing late in their system. But no one wants to remove it from my credit report and this is causing for me to have issues getting a mortgage due to the late payment and the points on my credit report is not increasing due this late payment. When I have talked to the
Consumer complaint received 2020-06-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc (NJ)

after three weeks bothe the original company and their biller have said that the money was returned, but other than 2 pmts that actually got back to my checking acct. they have sen the other 3 payments to a credit card that wasn't used in the transactions. the money was taken directly from my checking account by their biller, and never returned. i can't seem to get a straight answer from either of them. i do have an email saying the money would be put in the right acct., but nothing. they gave me transaction numbers of XXXX and XXXX the disputed amount is {$58.00}, and i can't find the money either in my checking acct. or in paypals acct.this is over three weeks and nothing. the paypal people, tag team the message people, so you have to keep repeating the same story over and over. i am a XXXX veteran and this extremely burdensome for me, that a company that said they would get my money back no problem would XXXX up so much.
Consumer complaint received 2020-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (GA)

XXXX  ... .EQUIFAX XXXX AND XXXX are failing to report revolving accounts that belong to me ... ..they actually removed them and my score fell significantly ... I am attaching proof that all these cards belong to me and should be being reported to all 3 bureaus! 

XXXX XXXX CARD LIMIT IS {$5000.00} XXXX XXXX CARD LIMIT IS {$3000.00} XXXX REWARDS CARD LIMIT IS {$4000.00} XXXX XXXX XXXX XXXX IS {$12000.00} these cards really benefit my overall usage and my credit worthiness and by the credit bureaus removing the cards ... ..my credit score dropped significantly ... .please add these cards back to my credit file immediately!!
Consumer complaint received 2022-08-01
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Sequium Asset Solutions, LLC (MD)

I have received multiple calls every day from Sequium. This is stemming from a XXXX account that was cancelled over a year ago. All my equipment was returned and my final balance was paid off. 

They are harassing me during my work hours. Several of the agents have been extremely rude. 

I don't owe this debt and don't deserve to be harassed in this way.
Consumer complaint received 2018-09-08
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (CA)

I attended XXXX College in 2007, for XXXX  XXXX, and was unable to find a job for the profession. Instead found work with an agency. I was unable to pay my student loan monthly due to my pay at work. At the end of the year, when I did my taxes, I did not get anything back due to my student loan. This happened for about 4 years. Then I received a letter from my lender stating I was so all paid up. Now I receive a letter stating I owe XXXX Dollars to Navient Solutions. I believe they're trying to stiff me. I'm no longer working due to an accident at work, and I deny making any payments I feel I do not owe.
Consumer complaint received 2018-09-08
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: EQUIFAX, INC. (AZ)

I contacted Equifax to get there assessments in verifying items listed below. That are on my credit report in violation of Federal Law. They are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, they stated in writing that you verified that these items are being reported correctly?

Who verified these accounts?

They have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 )
Consumer complaint received 2021-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: R.M. Galicia, Inc. (CA)

My Medical bill account was paid in full as of XX/XX/2021 and I was aware that the account was to be removed and I then I was reported 90 days late for this medical bill after it was paid off and it still remains.
Consumer complaint received 2020-06-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO. (TX)

My Husband died in XXXX, leaving NO assets or estate other than my house which is XXXX in Texas. He had NO life insurance. While I did not use this account, his Chase Sapphire card apparently listed me as a co-owner as opposed to an authorized user- which is severely negatively impacting my credit score and attempts to re-set my life as a widow. On XX/XX/2020, I contacted the Chase Sapphire Bereavement Department and spoke with XXXX, ID # XXXX. I explained that I am unable to pay this debt, as I am faced with both the loss of income from my Husband 's death and my own income due to the COVID-19 Pandemic. I am working hard to pay my own credit accounts and that is all I can do. I requested that the amount owed on this Sapphire card be reduced or that interest accrual be stopped so that I had some chance of paying the balance incrementally. I was then referred to the account supervisor, XXXX, ID # XXXX, who informed me that they were not willing to work with me other than to close the account and " put me on a payment plan. '' He was not willing to discuss reducing interest charges and further threatened me that my credit score would be negatively impacted and that " it might cause me problems with my other Chase account ( which is my own account and which I pay faithfully. ). My position is that a payment plan does not help me as long as they are charging more interest per month than I can afford to make in a payment. I will like not to have to pay a Credit Resolution company to help with this, I would expect that in the face of a DEATH and a PANDEMIC to have some kind of relief. My mortgage company helped me, all my other credit cards help me. Only Chase refuses to be part of any kind of solution. The public should know how Chase Sapphire deals with widows in the face of a Pandemic.
Consumer complaint received 2022-04-25
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SCA Collections, Inc. (GA)

As of XX/XX/XXXX I have yet to receive anything to validate said debt. I have sent THREE debt validation requests. Two in writing and one via phone. And all of my requests have been ignored. I first disputed this debt on XX/XX/XXXX and instead of validating the debt they would rather ignore my request and continue reporting to the credit agencies ( most recently as of today ) that I owe them when in fact I do not. I have never done business with this company. They have never provided me with goods or service yet they have fraudulently stated I have. I have yet to receive a contract between me and this company. A full account summary and itemized calculation of the alleged debt. When this debt originated and when it became delinquent. They also failed to follow FDCPA by not sending a letter giving me the alloyed time to dispute or validate the alleged debt within the allowed 30-day time frame that is allowed by law. It is obvious they do not have anything to validate this debt and instead of removing their fraudulent trade line they would much rather continue violating not only the law but my rights as a consumer. It does not take WEEKS to validate a legit debt. If I am the person you say owe I wouldnt have to fight tooth and nail just to get basic information to validate the debt. They lied and said they would and were sending me something and have not!
Consumer complaint received 2022-07-22
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. (IN)

I am having an issue with Equifax and their investigation process. I have an account showing on my credit report with them saying that I have multiple late payments and this is not true. The card was with XXXXXXXX XXXX XXXX XXXX. When I try calling the credit card company noone is able to pull to me up in their system to assist me, so I am not not sure how Equifax can do an investigation in less than 24hrs, when I can't be found in the system at all. I have also asked Equifax for the name, email, or fax number of the person they reached out to that verified this information so I can talk with them and have them help me with this. I wasn't given any new information than what I current have now which is this number XXXX. So if this is the number they are using someone is lying to me. I do not have any late payments on XXXX or XXXX the credit card in question reported to all 3 major credit bureaus. I have also sent letter to XXXX XXXX XXXX XXXX and no one has ever wrote me back or got in contact with me on any way about my inquiry.
Consumer complaint received 2022-08-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (GA)

I filed a claim against my bank for a XXXX transaction for $ XXXX and a XXXX XXXX transaction for $ XXXX due to being swindled. They did give me a provisional credit for $ XXXX, but denied the XXXX transaction claim. Instead of giving my a full credit, Wells Fargo decided to close all my accounts, even after giving me a new checking account.
Consumer complaint received 2022-04-25
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: CAPITAL ONE FINANCIAL CORPORATION (MS)

It is my belief that Capital One is furnishing false and misleading late payments as a way to coerce me to make on time payments. It is my belief that Capital One has been committing theft by deception. It is my belief that furnishing late payments without my lawful authority as a matter ruin my financial reputation constitutes extortion in accordance with 25 CFR 11.417. 

Congress has made it clear that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.Capital Ones failure to maintain the integrity of my nonpublic information has caused me substantial harm and inconvenience to my financial reputation due to fraud and identity theft. Congress has stated that unfair credit reporting undermines public confidence which congress has made clear, is essential to the continued functioning of the banking system. 

Capital One has taken adverse action against me, with forethought and malice, by furnishing inaccurate and knowingly false late payments to my consumer report without my lawful authority
Consumer complaint received 2020-06-16
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. (MO)

Equifax and XXXX  should not be reporting a collection/chargeoff in the amount of {$2300.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I gave proper notification to the apartment complex manager that I would be vacating the premises and I paid the last month rent directly to the apartment complex manager with a money order for {$1800.00}. There was no damage and the apartment was left in excellent condition. I was never notified by the apartment complex that there were any outstanding charges due and I was not aware that this account had gone to collections until I obtained a most recent copy of my credit report. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus as well as the apartment complex to remove this however, I have not been successful.
Consumer complaint received 2018-09-08
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSWORLD SYSTEMS INC (IN)

I took out a private loan with XXXX XXXX for my daughter when she was in college at XXXX University for {$12000.00}. I took out the loan in XX/XX/XXXX made regular payments for an original loan amount of {$12000.00} beginning in XX/XX/XXXX-XX/XX/XXXX when the loan was charged off by XXXX University XXXX XXXX on XX/XX/XXXX due to my bankruptcy filing in XX/XX/XXXX. 
The bankruptcy was dismissed in XX/XX/XXXX. Except for that time I have paid faithfully every month. So, why is the amount I owe basically higher. 

At one point, the account number was originally XXXX. Then it was changed to XXXX. I have not been credited for all payments to both accounts. 

I am sending two correspondences from XXXX. One dated XX/XX/XXXX with a balance of {$17000.00} and another dated XX/XX/XXXX with a balance of {$17000.00}. What happened to all my previous payments up until XX/XX/XXXX-XX/XX/XXXX and my payments since XX/XX/XXXX-present? 
I have proof of payments, so my balance should be much lower. 

I sent a letter asking for a printout of ALL payments for this account, but only received the letter stating the balance.
Consumer complaint received 2022-07-22
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. (OH)

I'm XXXX XXXX XXXX, and I appreciate your taking the time to repair some accounts pieces of information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$6600.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-04-25
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: Experian Information Solutions Inc. (TN)

Reference Number XXXX. Chapter XXXX Bankruptcy Bankruptcy chapter XXXX XXXX ( successfully removed from XXXX and XXXX ) 15 U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 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 2018-09-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (NY)

On XX/XX/18 a fraudulent {$160.00} charge by merchant XXXX XXXX XXXX   XXXX NY was made to my Citi Mastercard account. On XX/XX/18 when my monthly statement arrived, the fraudulent charge was discovered and an online dispute ID : XXXX with Citi was opened. On XX/XX/18 I received a letter from Citi, backdated to XX/XX/18, stating that it would not reverse the fraudulent charge.
Consumer complaint received 2018-09-08
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: ALLY FINANCIAL INC. (CA)

On XX/XX/2018, after 3 year lease, I returned my vehicle as instructed by the the bank and dealership where I leased from. The finance person at dealership stated that I have a " lease protection plan '' which I knew it. I returned the vehicle in good conditions and way under mileage, XXXX miles not driven. But on XX/XX/2018, the bank took possession of the car, subsequently sent me a bill of {$1500.00}. Stating that the has damages, excess wear and tear, etc ... This is outrageous and lack of moral. I have the report from the dealership the car has no damages, except for a minor scratch on the front bumper that won't exceed {$350.00}. Even though that I have a lease protection, still the want to collect more money. I told them that, I pay what I owe, NOT what I don't..Now they're threaten me with negative credit report. Please I need help to stop this institution committing fraud against me.
Consumer complaint received 2018-09-08
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: FORD MOTOR CREDIT CO. (NY)

On XX/XX/XXXX. I made a payment of {$1000.00} US dollars to my car loan. About 30 days later the loan went from {$9000.00} to {$9500.00}. That is a 6.6 % per month, or 79.2 % annual percentage rate. 
I would like this loan to be review, because, since XXXX we have paid {$19000.00} onto the loan, that it was originally {$17000.00}.
Consumer complaint received 2018-09-08
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. (VA)

My problem is with XXXX XXXX XXXX in North Carolina. Due to a glitch in thier upgrade to their software Credit Cards and Lines of Credit were appearing as " nothing due at this time ''. And i never received any calls or notices regarding my line of credit and credit card with them. 
After approximately 3 or 4 months i received a call from the Bank inquiring about no payments. I was told this is a glitch in their system and thet a monthly payment was due. I immediately paid the amount they requested over the phone. 
They immediately then reported this to the credit bureaus. i then was notified that they were closing my credit card account. I attempted for more than 6 months to attempt to close my bank account via fax, email and hiring an attorney. The account appears " disabled '' still today. I've been requesting this bank account to be closed for more than a year. 
They need to remove this from my credit report. Because of their " glitch '' in thier system my bill was reporting " nothing due at this time '' for more than 3 months.
Consumer complaint received 2018-09-08
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. (NC)

I have disputed the incorrect information that Equifax is purposely continuing to report negatively on my credit reports, stopping me from being to buy a home. Because Equifax is still reporting the closed accounts in which I have paid in full they are still reporting 120 days which has dropped my credit score 50 points. These student loans are closed and paid in full. I have spoke to the original debtors and they told me that they have not reported in over a year since the accounts were paid, so it is Equifax who is the ones reporting negative information.