davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-15
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)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5100.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Consumer complaint received 2016-08-22
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: AMERISAVE MORTGAGE CORPORATION (CO)

When we applied for a loan with Amerisave mortgage, we were required to supply a credit card for an appraisal before we ever got a good faith estimate ( GFE ). Amerisave essentially performed a bait and switch on us by asking for additional items not required by any state or federal law in an attempt to charge even more eroneous fees to pad their bottom line.
Consumer complaint received 2022-05-03
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)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the 3 Credit Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The account listed below is still reporting on my Credit Reports and needs to CORRECT immediately : XXXX XXXX XXXX XXXX
Consumer complaint received 2016-12-02
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: JPMORGAN CHASE & CO. (VA)

Executive Summary : Leased Vehicle - Property tax charged through date vehicle was sold at auction, not through lease termination date Background : Near the end of our vehicle lease, we received multiple offers from the manufacturer for early lease termination. The literature generally described that all early termination fees would be waived. We turned in our vehicle one month early ( XX/XX/2016 ) - our lease was up XX/XX/2016. After the vehicle was sold at auction in XX/XX/2016, we received a final settlement letter and a refund. 

Issue : In XX/XX/2016, we received a notice for {$870.00} for property tax related to the vehicle. Our lease agreement ( section 15 ) does indicate that we will pay property tax assessed for any period PRIOR to lease termination. I called Chase to verify the date the taxes were prorated. The agent indicated it is their policy to prorate the taxes through the date the auto is sold at auction. In this case, there is nearly a two month difference between the date our lease terminated and the date the vehicle was sold at auction. As a lessee, we had no control over the date the vehicle was sold, which theoretically, could have been many months after lease termination. I asked to speak to a supervisor who said she would research the issue and get back to me. She did leave a return message, but there was no way to contact her specifically to follow up, as she did not leave a specific extension or last name. Despite four calls to Chase referencing my case number, I have not received resolution.
Consumer complaint received 2022-05-02
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. (MI)

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2022-11-01
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Synovus Bank (AL)

In XXXX XXXX I applied for an equity line of credit to pay off bills and the revolving loan in question. I received and qualified for the equity line of credit and paid off bills including the revolving loan in question. I have been receiving bills for the paid off and closed revolving loan since my payoff date which I believe was XXXX or XXXX XXXX. I have made numerous attempts to contact the banking institution to correct this matter and the one individual that could help me never returned my calls or showed that they gave any indication of correcting this matter. I even call the main office in XXXX, XXXX and they explained that the only person that could take care of this problem was the person that I was trying to contact.
Consumer complaint received 2016-11-02
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (IL)

my loan was sold in XXXX from XXXX to SPS ( XXXX ; XXXX XXXX XXXX ) IT HAS BEEN A MESS IN THA I HAVE SUBMITTED EVER Y SINGLE DOCUMENT THEY HAVE ASKED FOR PAST TWO YEARS PROBABLY OVER 40 TIMES YET THEY KEEP ASKING FOR SAME THING now I find tha they might not be legal owners of mortgage and have no standing in foreclosure case filed by XXXX in XXXX.They r not licensed mtg company in Illinois!! There r many cases on XXXX blog regarding SPS specifically in flordia where many cases have been dismissed and reversed because of SPS ILLEGAL ACTIONS.my next court date is XXXX at XXXX
Consumer complaint received 2022-11-01
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)

whom it may Concern, I recently received a copy of my credit report and found that you illegally reporting inaccurate, noncompliant, and false information about me. The Following alleged account is listed as a collection with a PAST DUE BALANCE, Account Name : XXXX XXXX Account # XXXX PAST DUE BALANCE OF {$6200.00} ( Account in Collection/Charge off please delete ) Account Name : XXXXXXXX XXXX Account # XXXX PAST DUE BALANCE OF $ {$1100.00} ( Account in Collection/Charge off please delete ) Account Name : XXXX  Account : XXXX PAST DUE BALANCE : {$1100.00} ( Account in Collection/Charge off please delete ) This is a violation of the FCRA and is also in violation of requisite METRO 2 Compliant reporting standards. 

By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted CDIA Metro 2 COMPLIANNCE regulations, I have the right to a fair and accurate credit report, and you are required to remove any information that is not true, accurate, compliant, and verifiable. I demand that these above mentioned derogatory items be investigated and permanently removed from my report. 

I await your reply with the above requested proof. Upon receiving it, I will correspond back with by certified mail. 


Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-05-02
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Neon Newco Corporation (AZ)

On Weds, XXXX XXXX XXXX I checked my Netspend XXXX account and verified that it had {$30.00} in it and by Friday, I reloaded it with roughly {$37.00}, to ensure that I had enough to clear the {$50.00} I for an expenditure that needed resolving. When I rechecked my account on Saturday ( this last weekend ) I was stunned that I only had {$46.00} in my Netspend XXXX account, not the minimum of {$50.00} that I verified, knowing that the {$37.00} had cleared yet and would have raised the account to approximately {$60.00}, maybe {$65.00}, since I had not spent any of the account between Weds to Friday. I called the customer service number and they replaced {$4.00}, raising the amount to {$50.00}, leaving me still thinking I needed to wait for the {$37.00} to clear. 

On Monday, XXXX XX/XX/2022, I call Netspend XXXX to verify that the {$37.00} has cleared which would place the account at {$87.00}, only to verify that I have {$1.00} in the account. Since I only spent {$50.00} on Saturday, on the expenditure that I needed to clear, where did the remaining {$37.00} go that should have cleared by now? The Netspend XXXX managers wont answer my constant calls to their customer service XXXX number and their phone reps use every avoidance tactic possible, to refuse me my right to resolve this accounting failure on their part, with them trying to hide behind accounting practices they claim they are trained in, by refusing to admit that what they see on their screen is absolutely accurate, with me refusing to let them get away with claiming my accounting is wrong, even though Ive pointed out where they are wrong ; the phone reps and managers put me on hold, indefinitely, knowing that their phone system will terminate my call after 10 minutes on hold.
Consumer complaint received 2022-08-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Trans Union has violated my civil rights under 15 USC 1681 in accordance with the Fair Credit Reporting Act, account XXXX XXXX acct # XXXX 15 USC 1681 section 602 A states I have a right to privacy, 15 USC 1681 section 604 A section 2 It states a consumer reporting agency can not furnish a account without written instructions
Consumer complaint received 2022-10-31
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (FL)

On XXXX XX/XX/2022 a relative received a call from chase ( spoofed ) that there was fraud on their account and to send money to me. I received XXXX from them through XXXX and was notified by my account settings of the transfer. I contacted that relative and they asked me to send the money back. So I did with in minutes of receiving it. That money never made it back to them because their XXXX account information had been changed but they were not notified of this. I filed a fraud complaint on XXXX XX/XX/2022 for the transaction of sending the money back to this relative but was told there was nothing wrong with the transfer and no reversal would take place. The relative filed a fraud against the transaction of sending the money to me, for which they took the XXXX out of my account and gave it to the relative even though they can clearly see I sent that money back to them through XXXX but it did not reach them. So i am down XXXX. I have contacted Chase 4 times on XXXX XX/XX/2022 between the hours of XXXX Eastern time and XXXX Eastern time and was hung up on each time after they put me on hold to look into the claims that were filed.
Consumer complaint received 2015-09-11
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: BlueChip Financial (OH)

Hi, I took out a loan at spot loan for {$300.00} and I now owe them over {$800.00} ( interest rate ) I was in a financial hardship with my son being sick and needing bills paid. My due date for payment is coming up on XXXX XXXX 2015.. I have recently lost my job. What can I do pls help!!
Consumer complaint received 2022-05-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Armcon Corp (CA)

This account was wrongfully documented and incorrectly pinned under my name. I do not have any knowledge of this company as they have never provided their services that was authorized by me ; therefore, I have directly mailed the company, Coachella Valley Collections Services, certified letters 3x ( dated XX/XX/XXXX, XXXX, & XX/XX/XXXX ) in the last 6 months to the following address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX to request for them to verify and validate this account to me and my name. Each time, the company has failed or neglected to repond back to me with any correspondent as well as any evidence. Since they were unable to and have never responded to me nor provided any evidence to prove this is me and this debt belongs to me, I demanded that they corrected this mistake by reporting this mistake to all 3 of the credit bureaus. This collection debt has been removed from my name with XXXX and XXXX only. I am requesting assistance to do the same for my XXXX account and name immediately. I have attached e-copies of the receipts with tracking numbers of the 3 certified letters I have mailed to them directly as my proof to support my claim : 1 ) 1st certified mail letter sent on XX/XX/XXXX. Tracking # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) 2nd certified mail letter sent on XX/XX/XXXX. Tracking # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) 3rd certified mail letter sent on XX/XX/XXXX. Tracking # : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-03
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. (CT)

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : 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 XXXXXXXX 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.
Consumer complaint received 2019-11-20
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Ditech Financial LLC (IL)

I have attached a copy of the letter that I have repeatedly received in the mail for the last 5 years or so.My husband passed away 13 years ago and the house we lived in, and had both of our names on, I moved out of and filed bankruptcy on 6 years ago. After his passing, I contacted the mortgage company to inform them and sent them a copy of the death certificate as soon as I had it. This company has changed names several times over the years, but is currently going by Ditech Financial ( used to be Greentree Financial ). During this time, I was repeatedly harassed, had very rude customer service representatives treat me like garbage. I finally filed bankruptcy. Now, I'm receiving letters ; at my new residence, addressed to my late husband who had never lived there, obviously. 
I have tried several times to reach the email address on the letter to Ditech, but it keeps bouncing back. I prefer to communicate by email so that I have a letter trail/proof of communication. 
So far, I have not been able to make contact.
Consumer complaint received 2016-05-04
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Fay Servicing, LLC (NJ)

My loan from XXXX XXXX XXXX was sold to another lender when the DOJ Settlement happened so they did not have to modify my negative amortization loan. The new lender servicer has refused to modify my loan even though they have all the information they need. They are proceeding to foreclosure without mediation, acknowledging my loan mod docs, or even a large down payment to reinstate my loan. The attorneys for them are a foreclosure mill and will not acknowledge receipt of any information. I would like a mediation or intervention to resolve the case.
Consumer complaint received 2017-02-09
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (VA)

I have been given multiple forbearances and deference because I have never been able to afford my payments. The fees are astronomical. I will not be able to ever afford my payments because the set payment amounts do not take into consideration any living expenses. The payments are based solely on income and family size. It automatically sets consumers up for failure and at high risk for default.
Consumer complaint received 2022-05-02
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. (GA)

Equifax did not do their due diligence with investigating these erroneous errors on my consumer report. I have sent several disputes regarding inaccurate and incomplete information reporting, demanding that these challenged items be permanently removed. Equifax is unlawfully publishing inaccurate information and I am being punished due to their negligence. I have attached current proof as of XX/XX/2022 showing XXXX reporting XXXX late payments on XXXX  XXXX XXXX account # XXXX and Equifax reporting XXXX late payments on XXXX  XXXX XXXX  XXXX  account # XXXX. How could this be considered accurate and fair? Equifax verified inaccurate information as accurate causing me to suffer tremendously! The vital role that Equifax assumed should strive to be more responsible with dealing with the consumer and public confidence. This has effected my life drastically as I am trying to purchase a home for my family and I and these road blocks have stopped me. Equifax 's failure to remove these erroneous items have caused me extreme stress and anxiety. My privacy has been invaded due to Equifax 's continued act of publishing inaccurate information on my consumer report and me being continuously denied due to inaccurate information reporting on consumer report.
Consumer complaint received 2017-01-18
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

On XXXX XXXX, XXXX, I wired {$8600.00} to a Capital One 360 account. It was posted XXXX XXXX, XXXX but the receiver advised me that Capital One wanted me to request the money be returned to my account. I submitted a letter to my bank and they wired it the same way the money was wired. I have been in contact with my bank and Capital One since then trying to get my money returned. During this time, I have learned that the recipient has a history of wire scams that I was unaware of. The last correspondence was on XXXX/XXXX/XXXX with Capital One. Their representative told me that no one had access to the money and Capital One was still looking into the situation.
Consumer complaint received 2022-10-31
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (GA)

Synchrony Bank for the second time has closed an account of mine for a store card WITHOUT notifying me when I've NEVER missed a payment They claim that they took this action based on internal credit formulas. In essence they canceled my account based on a credit score change that they can't prove affects my payments to them and essentially further plummeting my credit score when I'm breaking my back to pay them over other creditors I've had long before them. This is malicious, egregious, unethical, and intentionally spiteful. I was working and saving to get myself back in a vehicle following an auto accident and now my credit will suffer a devastating blow because a company that I never missed a payment to decided to viciously close my account to make their books look good after I've made payments on time to that account to them. I don't trust malicious businesses.
Consumer complaint received 2022-10-31
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. (NC)

On XX/XX/2022 i saw some inquires on my credit report i have not given any of these banks or companies my written or verbal permission to pull or check my credit XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2022-05-02
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: TRANSWORLD SYSTEMS INC (NC)

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

15 U.S.C 1681 602 A. states that I have the rivht to privacy 15 U.S.C 1681 604 A Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions.