davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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 an account without my written instructions XXXX Date : XXXX Inquiry Type : Unknown - Credit Extension, Review, Or Collection XXXX XXXX Date : XXXX Inquiry Type : Unknown - Credit Extension, Review, Or Collection XXXX XXXX  XXXX Date : XXXX Inquiry Type : Unknown - Credit Extension, Review, Or Collection XXXX XXXX XXXX Date : XXXX Inquiry Type : Unknown - Credit Extension, Review, Or Collection XXXX XXXX  XXXX Date : XXXX Inquiry Type : Bank Credit XXXX XXXX XXXX XXXX Date : XXXX Inquiry Type : Bank Credit XXXX XXXX XXXX XXXX : XXXX Inquiry Type : Auto Financing XXXX Date : XXXX Inquiry Type : Bank Credit Cards XXXX XXXX XXXX XXXX XXXX Type : Bank Credit Cards -- -- -- XXXX XXXX XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXXL XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX Account Type : Other XXXX Account Number : XXXX Account Type : Other XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX Account Type : Auto Loan
Consumer complaint received 2022-08-17
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 (TX)

Bankruptcy was XXXX XXXX, a collection was made in XXXX under XXXX  and XXXX XXXX XXXX. I then filed a report with the Attorney General Offices in Texas and Washington as well as a dispute resolution through the US Department of Education. 

XX/XX/XXXX of XXXX I received a letter Transworld Systems Inc collecting on the same debt, I responded to them to dispute the information using the systems that they described in their letter. 

Explained that the debt was discarded in XXXX, that I went through this process back in XXXX. This has been the first time since XXXX that I have received anything of the sorts, has not shown up on any of my credit reports.
Consumer complaint received 2022-03-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO. (NY)

Chase issued a credit card in my name and under my social security number to XXXX XXXX, account number XXXXXXXX XXXX XXXXXXXX XXXX, without my knowledge. The card was given to others who apparently made purchases with the card, and one receipt was found with the signature " XXXX XXXX ''. I showed the receipt to Chase representatives several times and asked for statements for this account. 
One representative stated that this was fraud and that I should have this investigated. 
The Chase employees have refused to show me statements for the card, however, despite the fact that it was under my social security number. 

My attorney, XXXX XXXX, has had to contact the bank for statements under this card number, in my name. 
This has cost me in attorney fees, in addition to the fact that my credit score has been impacted negatively.

Chase appears to be protecting XXXX XXXX XXXX, despite that fact that he and I are both clients of the bank. 

I have submitted this information to the court in XXXX ( to the Honorable XXXX XXXX XXXX ). 

XXXX XXXX 's attorney is XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Note that XXXX XXXX may have opened an account under XXXX XXXX XXXX 's name as well. 


Best regards, XXXX
Consumer complaint received 2022-08-23
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: OneMain Finance Corporation (CA)

I did a loan for {$2300.00} through One Main Financial in XXXX, Ca. In XXXX of 2022. When I requested a payoff amount for the loan on XX/XX/2022 the amount they told me was {$7700.00}. This amount appears to include principal and all the interest I would have paid over the life of the loan ( 5 years@ 35.99 % ). I don't know if this is the proper way to do a loan. This is not the first time they have done a loan like this to me. I did not think about it on the first loan as I took the entire time to pay it off. However, this time I am trying to pay it off much sooner and the balance seems too high. It seems like they put the entire loan amount ( P and I ) for the life of the loan in their system and then when they receive my payments they apply it to the balance.
Consumer complaint received 2022-07-24
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/2022 I made a wire transfer through my CHASE BANK app. I transferred {$380.00} ( XXXX GBP ) to a XXXX bank account and I received a confirmation from CHASE BANK saying that the transfer was completed and the recipient should receive the money within 2-5 business days. 

Since the money was not received by the recipient, I made an inquiry to CHASE on XX/XX/2022, to find out what had happened to the wire transfer and if the money was on its way to the XXXX bank account. 
On the same date, I received a secure message through the CHASE BANK app saying that the wire transfer was not successful and that the money was not delivered to the recipient. CHASE stated that the reason why the transfer was not completed was that the information of the recipient was not complete. 
The secure message stated that the funds were going to be returned to my account within 3 to 5 business days. 

On XX/XX/2022 I contacted CHASE BANK through secure messages on the Mobile bank app because the funds ( {$380.00} ) were never returned to my account. CHASE answered back on XX/XX/2022 stating they did not have the money at their disposal and that they were working with the banks in chain to return the funds as soon as possible. 

On XX/XX/XXXX I contacted CHASE BANK again since I did not have any answer about the money. They answered me back stating that they tried to retrieve the money several times but it was not possible and that I should contact the bank in the XXXX and settle the matter on my own and that the case was closed. 

After this, I have tried to contact them at least once a week asking for a supervisor and for the escalation of my case. The response from CHASE BANK is always that they acknowledge my case and the request for escalation and a supervisor, and that I should be contacted in the following days. However, I have never been contacted. 

I have tried to go to several branches in XXXX XXXX XXXXXXXX, tried calling different customer service numbers, and tried to share my case on social media. The only response that I've gotten so far is that I should send a secure message through the CHASE BANK app and wait for a response. 

I do not know what else do to. CHASE BANK has held {$380.00} from my account since XX/XX/XXXX and nobody has been able to help me.
Consumer complaint received 2022-06-29
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc. (ID)

Called and asked for a payment extension to help bring my account current. Made Payment for XX/XX/2022. The extension was processed yet they reported my account as past due for XX/XX/2022 when I made the amount required to process the extension. No payment should have been required to be made until XX/XX/2022. My payment is {$690.00}. I paid {$690.00} in XXXX and {$720.00} in XXXX
Consumer complaint received 2020-04-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

Capital One is reporting to XXXX  a debt sold to XXXX XXXX XXXX XXXX XXXX  XXXX that has been dismissed. I have received a Request for Dismissal from XXXX XXXX XXXX XXXX XXXX XXXX XXXX  California. This debt is hurting my credit score and also is showing as Derogatory on my credit report. I would like this debt be deleted from my Credit Report as soon as possible. This debt is considered a charge off by Capital One, and should be deleted my from credit report.
Consumer complaint received 2018-10-22
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SECURITY FINANCE CORP (NV)

This company has repeatedly called and harassed my phone for almost a year for a debt that I do not owe I have asked them several times to not contact me and to send any information they have to the address they have on file and I have yet to receive any information or any notification of debt to verify this is correctly mine. They have threatened me over the phone and repeatedly posted hard inquiry month after month for a year on my credit report eventually I had to contact my cell phone provider and block all four of the numbers they were calling me from.
Consumer complaint received 2020-06-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (TN)

Citibank is holding all of my money hostage. I disputed a transaction over 3 weeks ago, and since then not only have they denied the dispute, they then locked and closed my account. They are now saying that I can not touch my funds for 30-60 days. They won't even give me a reason. This is criminal!!! All of my unemployment funds and a grant I  received from a charity are in here!!! Please help me get my money!!!!!!!
Consumer complaint received 2022-07-24
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (SC)

In response to XXXX I wrote equifax about a problem I was having with XXXX XXXX XXXXXXXX about a collection they said I allegedly owned. Equifax claims that the company was able to validate that debt but I believe it was just a generic response because XXXX couldn't now validate or verify the debt and therefore removed it. I want equifax to please delete the account immediately before i have to file a law suit against them. 
The proof that XXXX deleted the account is attached to this email.
Consumer complaint received 2022-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

I have reached out to the 3 major credit bureaus, by disputing inaccurate information on my credit reports and I have received no response, in 30-to 45 days, as stated in the FCRA.
Consumer complaint received 2022-08-23
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. (AL)

Ive disputed A collection with TransUnion. XXXX XXXX XXXX XXXX Are reporting my XXXX XXXX account as {$860.00}. The amount owed is {$860.00}. My XXXX  credit report. Shows this same account as XXXX XXXX XXXX XXXX. XXXX XXXX account as {$860.00}. I received a Certified Letter from XXXX XXXX XXXX XXXX today. From the USPS. This Certified document. Shows I owe {$860.00}, not {$860.00}.
Consumer complaint received 2022-08-01
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. (FL)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXXXXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX has violated my rights. 

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
Consumer complaint received 2022-07-24
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. (PA)

My name is XXXX XXXX I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I asked that the items including unauthorized inquiries be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I have also enclosed copies of the Federal Trade Commissions identity theft affidavit. Please delete the items as soon as possible.
Consumer complaint received 2019-01-10
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (NY)

My total loan from Naivent is {$140000.00}. I am currently paying {$1300.00} a month in student loan repayment. I am unable to afford this payment seeing as I work at a non profit and pay rent. My mother, who is my cosigner, recently lost her job and is not working right now. My monthly payment is over half my income. I have contacted Naivent on multiple occasions about lowering my monthly payment and they said there is nothing they can do about it. They suggested I consolidate my loans, but I do not have good credit. After graduating from college, I did a year of service called XXXX XXXX XXXX and could not pay my loans. Navient refused to put me in forbearance and therefore put late payments on my credit report. I asked them to remove the late payments so my credit could go up and they also refused. They have not been any help and are extremely rude. There is no way I can continue paying the {$1300.00} a month and I am not sure what to do.
Consumer complaint received 2022-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (SC)

I'm pleased to see several improvements made to my report, including the deletion of some accounts I had previously disputed. However, there are still a few accounts on my report that are false and the result of identity theft. I request your assistance in getting rid of the last few items on my report. According to FCRA section 605b, the credit bureaus are obliged to remove or block any accounts that have been listed in an identity theft report. I've included a few papers to help prevent fraudulent information from being submitted in my report. 
XXXX XXXX Balance Owed : {$60.00} XXXX XXXX Balance Owed : {$60.00} XXXX XXXX XXXX Balance Owed : {$4800.00} XXXX  XXXX Balance Owed : {$11000.00} XXXX XXXX XXXX Balance Owed : {$530.00} XXXX XXXX  XXXX XXXX Balance Owed : {$310.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$2900.00} XXXX  XXXX XXXX Balance Owed : {$3900.00}
Consumer complaint received 2022-07-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (NY)

I signed up for XXXX reward program credit card with Chase for three free nights certificate if spend $ XXXX within 3 months of the account opening. Within few weeks Chase offered exactly same credit card for five free nights if spend $ XXXX. Chase asked existing customers to call customer service if a customer wants to switch to new five nights to check their eligibility. I called Chase customer service on XXXX Sunday at XXXX and spoke with a lady from Chase XXXX I requested to switch my offer from 3 nights to 5 nights and the rep said everyone here knows the process. Please call us back as soon as you spend {$5000.00} within 3 months and we will file a report with our marketing department to get you 5 nights certificate. The lady put a note in my account that I intended to spend {$5000.00} to get the 5 free nights certificate. Account was opened on XX/XX/XXXX so I needed to spend {$5000.00} by mid XXXX to get the 5 nights certificate, which I spent ahead of the deadline to get the promised 5 nights reward certificate. 

Chase never issued me the 5 nights reward certificates, although I followed up with them few times. On XX/XX/22, I spoke with a Chase customer service representative and the rep said she read all the notes in my account and she said since they advised you to spend $ XXXX, I will escalated the issue and said they should approve as per the previous conversation customer already spent $ XXXX. Chase definitely should honor the 5 nights certificate to me as they promised and avoid discrimination as I was eligible for 5 reward certificates. Please kindly investigate the whole program for innocent customers.
Consumer complaint received 2022-08-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

Capital One banking checkings and savings accounts. I closed my other bank accounts because from advertising it says there's no fees ever and when I looked on my email and I asked where can I deposit cash there was tons of locations in my area that were pulled up and so I believed that I couldn't deposit cash that I could deposit but I can not deposit cash anywhere but Walmart and they charge {$3.00} and you can only deposit {$500.00} at a time which doesn't even cover payments to my credit cards I have with Capital One I can not pay my Capital One account of my credit cards without a fee of {$3.00} for each one. I called to get help and the customer service person directed me again to multiple locations near me that I could deposit cash into my Capital One account for free I went to said locations and was not even given any information there was absolutely no way that I could deposit money and once again nothing after spending money on gas and having to leave my home being as it I am dealing with XXXX XXXX  which is extremely difficult for me to leave my home because I'm XXXX  etc I am not able to afford depositing money at {$3.00} a time I am not able to afford only being able to deposit XXXX at a time and having to pay each one of my cards with a charge I've read the entire terms and conditions and not one place says that you will be charged to deposit money into your bank account. It says on it that you can deposit money orders post some money orders but you can not do that on your online account it says you can deposit money into cash into bank account ATMs for your bank account it says that there are no fees for anything when you open a bank with Capital One and savings account. I have reached out to multiple customer service I have reached out on XXXX I have done everything I can. The second time I called the lady was rude to me she had no patience she told me there was absolutely no where I could deposit cash and once I went on line again on XXXX it says that it only would take me to the capital one place and then it wouldn't even load any location at this point then I go back into my online account I go to XXXX and asked where can I deposit cash and it pulled up multiple places that I am supposed to be able to deposit cash so I have no idea what's going on I'm late on multiple credit card payments I have no way to deposit all this money that I have I have all this cash that I can't deposit and now that I close my other bank accounts I have to leave my house and go find a place to think all because I trusted Capital One because of their fault advertisement they haven't done anything to make this right they've treated me like I mean nothing they've done nothing to contact me to help me figure this out at all I have called them out for all these things I sent pictures and nothing nothing at all nobody cares nothing
Consumer complaint received 2022-10-08
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. (PA)

15 U.S CODE 1681 ( b ) PERMISSIBLE PURPOSE OF CONSUMER CREDIT.

( 2 ) ( A ) ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person.

( B ) ( ii ) the consumer shall have consented, orally, in writing, or electronically to the procurement of the report by that person.

-- I am entitled to Fair Credit Reporting.

-- I have given them authorized permission to report my address on my consumer credit report.

-- I Demand it to be reported and every violation of failure to report authorized information on my report is a {$1000.00} fine.

-- Letters have been sent with this address by certified mail and return receipts have been received by me. 

-- My permission has been given orally, in writing, and electronically to report my address on my consumer report and I demand it to be reported.
Consumer complaint received 2022-08-01
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. (CA)

The inquiries and information listed in my report were inaccurate. I requested that they investigate it and analyze my files by sending letters to all three credit bureaus. The reality that this information continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inaccurate information and inquiries listed below as a result. 
INACCURATE NAME : XXXX XXXX XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, MD XXXX INQUIRES : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX
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: Shellpoint Partners, LLC (WA)

Dear Sir/Madam, My mortgage was forbearance for XXXX due to COVID. I was come out of this forbearance with modification for reduced interest and paid three-month trial payments. After I signed documents for modification agreements for and last three months ( XXXX, XXXX, and XX/XX/XXXX ) I am paying my mortgage payment first of each month on time. Never any late payment after this modification. 

But Shellpoint Mortgage services reported to the credits bureau, my payment was Delinquency for more than 90 days and my credit score went down XXXX points. 
This is not actable, and Federal Government gives consumer rights, and mortgage companies shouldn't report to credit bureaus about this forbearance/miss payments. Please check this unacceptable problem with Shellpoint. 

My name is XXXX XXXX, and my account # XXXX If you have any questions, please don't hesitate to contact me at XXXX or email XXXX XXXX