davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-16
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO. (NY)

My daughter XXXX. As a result she was XXXX. This was not covered by insurance so I paid in advance for her to attend the facility for 30 days at {$550.00} a day, authorizing a one-time charge of {$16000.00} to my credit card. After 30 days, she stopped using the facility. Two weeks after she left the facility, a second charge for another {$16000.00} appeared on my card. This charge was not authorized and, unknown to me, the merchant had retained the card information I had previously provided and used that information to charge the card a second time. I tried to call the merchant but they did not return my calls. I called Chase Visa to report this charge as fraud. Chase accepted that this was fraud, canceled the charge and issued me with a new card. Four months later, and after I had destroyed my records, I received a call from the Chase Fraud Review department claiming this was not fraud but a merchant dispute. The representative on the recorded call put an enormous amount of pressure on me ( this can be reviewed ) to agree that this was a merchant dispute but I declined to do so. 
My complaint : 1. This WAS fraud. This charge was not authorized by me and Chase can provide me with no record of its authorization. No goods or services were provided for this charge. I want Chase to treat this as fraud 2. The fraudulent charge appeared on my account on XX/XX/XXXX. Chase contacted me today ( XX/XX/XXXX ) to tell me that they now considered this a merchant transaction. Too long a time period passed between these events, which meant that I had discarded my information and notes about this fraudulent charge. 3. The representative to whom I spoke put undue and unfair pressure on me to convert this fraudulent charge into a merchant dispute with today 's date. 

Restitution : I would like this fraud to be seen as what it is and no record of these events to affect my credit standing in any way.
Consumer complaint received 2016-07-08
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: BB&T CORPORATION (VA)

[ Case number : XXXX ] The company responded to my complaint and the result was unsatisfactory. BB & t hired XXXX which is a collecting agency once the car was taken away.The vehicle was sold at an uction. Yet, the company has chosen to seek garnishment for wages which exceeds the deficiency amount. They are seeking the originating loan amount instead. 

As stated : I defaulted on your payment schedule and the vehicle was repossessed on XXXX XXXX, XXXX. The vehicle was sold on XXXX XXXX, XXXX. BB & T attempted to collect the deficiency balance of {$10000.00} but was unsuccessful in obtaining a repayment agreement. BB & T assigned the account to the attorney firm of XXXX XXXX XXXX to obtain a judgment against you. BB & T obtained a judgment on XXXX XXXX, XXXX in the amount of {$10000.00} with an interest rate at 10.99 % from XXXX XXXX, XXXX until paid, cost of {$51.00} and attorney fees of {$2500.00}. 

First it is immoral and unethical to charge someone interest on a deficiency amount. This could be illegal. Second, the only amount I should owe is what the deficiency amount was after the sale. Third, how is a company allowed to take your vehicle for nonpayment, resell it, charge interest and then try to garnish wages for the original amount of the loan??? this has to be illegal!
Consumer complaint received 2017-03-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Stellar Recovery, Inc. (CA)

An account with XXXX was opened fraudulently using my name and social security. This is the 2nd time that my information has been used fraudulently by this person. First with XXXX and now with XXXX. As a California resident I am entitled to the original documents that were used to obtain this account ( XXXX ). I called XXXX and spoke to XXXX on XX/XX/2017 from the fraud department, who said since he was in Colorado that request was invalid. I advised him I was in California and do have the right to make that request. I was looking to send the request in writing. But XXXX refused to provide me an address. I requested to speak to a manager. After waiting 20 minutes i was transfered to a voicemail. I feel that my rights have been violated. I am planning to go to the media with this breach of rights. 

The fraud activity was noticed in my XXXX credit report.
Consumer complaint received 2016-08-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (TN)

I applied for a XXXX credit card. According to XXXX XXXX the date was XXXX/XXXX/XXXX. I knew that I had paid the credit card off, but the Credit Bureaus had it listed on my Credit Report as not paid for over six years. I continually requested that debt be investigated and validated. The Credit Bureaus would confirm the date was legitimate and would post a new date in alliance with the request for validation. On XXXX/XXXX/XXXX after writing the Bank directly to ask for validation, it was discovered that no balance was owed at all. The bank stated that it would address the issue to the credit bureaus and to allow 45 days for a resolve. The bank apologized for it 's six year error but that apology will not put all the money I had to paid in higher insurance, mortgage fee 's, denial of credit, reviews of my credit report, the embarrassment and damage I have suffered because of both the Bank and the Credit Bureau. I ask the Credit Bureau over and over again to remove the information and I know that it was done on purpose all these years to keep me paying higher prices for loans. I want the Credit Bureaus and the Bank to pay me back for defamation of character, giving false information to numerous of business, and blocking me from receiving a housing loan. I want an Lawyer that will fight on my behalf for a change. If there are any that you could recommend, I would appreciate it.
Consumer complaint received 2016-11-02
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (OH)

On at least XXXX occations I made a payment for my mortgage to LoanCare via their website and the payment was never ran. Because the payment did not run I was then charged a late fee and my credit report was damaged. I am requesting that my account be moved to good standing and my credit report corrected. Attached you will find the statement from XXXX NOT reflecting the payments and also you will find XXXX email confirmations showing the payments were made.
Consumer complaint received 2022-10-02
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (PA)

On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2016-09-06
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: Experian Information Solutions Inc. (FL)

Experian is reporting a fraudulent account on my credit report twice and has refused to remove. Experian in reporting XXXX same account two times from XXXX, account numbers Account number XXXX. Obviously, XXXX does not know it is illegal to report the same XXXX account twice, against FCRA. I have submitted accountable documents to Experian to support that this XXXX same fraudulent account from Navient Account number XXXX is reporting twice and it XXXX XXXX 's account not XXXX XXXX. I have never signed or had any affiliation with this account Account numberXXXX from XXXX. I did not know about the account until discovering on my credit reports. I am now submitting a notarized letter from XXXX XXXX which she is the party responsible for the account and I am asking for the immediate removal of them from my Experian credit report once again. Again, I am asking for the immediate deletion of this fraudulent account which is reporting two times. I have submitted uncountable documents to support that this account does not belong to me and I should not have to result to legal representation for the removal of the fraudulent accounts. I am attaching a notarized document from XXXX XXXX acknowledging that this debt belongs to her not XXXX XXXX
Consumer complaint received 2016-09-30
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (CA)

Experian is telling me that their policy requires consumers to get letters from creditors to remove dispute remarks from their credit report. This process leaves consumers completely at the mercy of creditors. In my experience out of XXXX creditors, none of them have been able to provide documentation to help me get these remarks removed. Mind you, I have PAID these accounts off. They are at a zero balance. Due to this issue with Experian, my mortgage loan approval was halted. My lender tried to use their XXXX XXXX program to help get these dispute remarks removed, but they were told of Experian 's policy. I spoke to several representatives at Experian and even a supervisor indicated they had no authority to remove these remarks without documentation from the creditors. The responses from the creditors varied wildly from " We do n't have access to your account any longer '' to " We do n't send letters ''. I had one assurance that I something would be submitted to Experian within 24-48 hours, but somehow I do n't believe that. This is causing me to fall into a mortgage category with a higher interest rate with a mortgage payment costing approximately {$360.00} more per month. There is no resolution and this seems like an endless loop of phone calls and dead ends.
Consumer complaint received 2015-05-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (KY)

I have several accounts in my Equifax file that does not make any sense im filing a complaint on each one individualy detailing my concern with supporting documentation to back up my complaint. First i will start off with XXXX XXXX this account was a checkin account and went negative in XX/XX/XXXX. It was reported to XXXX and fell off my XXXX report after 5 years. This was never a payment account or credit account it was a bounce check that caused overdrfts fees that exceeded XXXX altho my report reflects positive payment history followed by a charge off in XXXX XXXX. This info is incorect and has been close to 7 years reporting inacurate outdated info. Also this account has been paid in full as of XXXX XXXX it still reflects a balance.
Consumer complaint received 2016-11-30
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (CA)

I am filing this complaint because Equifax has ignored my request to open investigation in regards to accounts listed on my credit report. Being that they have gone past the 30 day mark and confirmation shows they have received my dispute over 30+ days ago, under Section 611 ( 5 ) ( A ) of the FCRA XXXX they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Consumer complaint received 2017-08-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CA)

I listed 2 XXXX XXXX concert tickets on XXXX on Friday, XX/XX/XXXX and received a text inquiry from a XXXX XXXX offering me {$600.00} for the 2 3-Day pass wristbands. He offered to pay via Venmo and requested that I give the wristbands to his friend, XXXX. I received 2 {$300.00} payments via Venmo from XXXX and transferred the {$600.00} to my Venmo-linked XXXX checking account. I then agreed to meet XXXX at the XXXX at XXXX XXXX XXXX in XXXX XXXX at XXXX and gave him the 2 wristbands. My bank transfer was subsequently cancelled a few hours later by Venmo and I was given no recourse to obtain my tickets or the {$600.00}.
Consumer complaint received 2023-02-08
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. (TX)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : 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 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
Consumer complaint received 2015-08-08
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Genesis Lending (OH)

While attending XXXX University online, I was told that I needed to obtain a GENESIS LOAN in the amount of {$7500.00} but with the interest rate by the time I pay it off, it will be over {$10000.00}. I was then told a month later that I did n't need the loan, the financial aid department just did n't pull my financial aid in time and they could n't pull them in past time. So now I am stuck with a private loan that I never needed just to attend XXXX University when it was owned by XXXX Colleges in XXXX 2013. I was looking online and noticed that XXXX had to forgive {$480.00} XXXX in Genesis Loans however I was never informed of this -- so where is my forgiveness? How do I get forgiveness for a loan I never needed and can barely pay for?
Consumer complaint received 2021-11-26
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. (TX)

Im disputing factual data based on information from my credit monitoring service. The company in question is XXXX XXXX, it is the duty of the credit bureaus to report accurate & correct information Equifax : The account type is blank & date last paid is inconsistent with the data against XXXX & Equifax. Its also showing blank information for the account type for the but the other XXXX bureaus have information, in addition the credit limit is blank. This needs to be deleted XXXX : There is no high credit balance listed on the report but there is XXXX with the other XXXX bureaus. Please delete as this is incomplete & inconsistent with whats being reported XXXX : The date that the account was opened doesnt match the other XXXX reporting bureaus. Please delete
Consumer complaint received 2017-05-02
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: TCF NATIONAL BANK (IL)

First of all, when I got this personal loan ( consolidation of debt ) through TCF Bank   they setup my home mortgage account as collateral ( as a back-up in case I didnt repay back this loan ). I have had this loan for 10 years already and the loan amount hasnt really gone down, hasnt even made a dent to what is the outstanding balance. To top it off on my statements it always states an 8.50 % interest but I think its actually higher ( this occurred when  in 2008 I was  unemployed and missed a couple of payments ), but this interest detail was never stated when I took out this loan. The representative at the bank misled me with this information. Apparently the interest was always suppose to stay the same and not go up. I have many times tried to refinance this loan, bu t TCF Ba nk has always been difficult in doing this for me, they have setup alot of roadblocks in refinancing my loan. They have always given me a hard time in releasing the loan subordination letter, trying to talk and communicate with them is like talking to the wall.
Consumer complaint received 2023-02-08
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. (IN)

First, I gave no written consent to them to report anything to my credit report. Second, There are INACCURATE information on my credit report so there is no way this is reporting to the maximum possible accuracy, therefore this account needs to be removed because it is in violation of 15 U.S. Code 1681b a2, 15 U.S. Code 1681i ( 5 ), and 15 U.S. Code 1681e ( b ). Also paid charge off accounts shouldn't even be reporting to my credit report due to your own reporting standards on the XXXX XXXX software. If this account is not removed, when this is taken to court I will make sure I receive my { {$1000.00} } per violation. *I have sent verification after verification Identifying myself and they keep sending me letters prolonging the process asking for the same thing.
Consumer complaint received 2015-08-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (CA)

There is an inquiry from XXXX which appears on my report that is not mine. I disputed the inquiry and received a letter saying they can not remove the incorrect information as they must list all companies who received your credit report. However, the companies must have a lawful reason XXXX permissible purpose ) for doing so. This inquiry was not authorized and should be removed.
Consumer complaint received 2017-01-19
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (OR)

I co-signed a student loan for my step-grandson so he could attend XXXX College in XXXX XXXX XX/XX/XXXX after being XXXX, after he graduated from the school he moved to XXXX XXXX and lived there. We kept in touch with him and told him that he would have to start repaying the loans soon, he refused to do so and to make a long story short he ended up on the street. XXXX XXXX kept hounding us about the loans and would take no action or attempt to locate XXXX so to protect our credit rating we made the loan payments and continue to do so. We started making payments XX/XX/XXXX and have to date paid {$20000.00} on an original balance of {$44000.00} and the balance of that loan is still {$40000.00}. XXXX has been diagnosed with XXXX living on the streets somewhere in XXXX, he does receive Veterans benefits but we have no contact with him. He is very belligerent with us and refuses to pay or discuss the loan with us, he says we owe him an education, he refuses to work and prefers to live on the street. I have tried working with XXXX XXXX and more recently Navient for many years to try to get some kind of relief for us. My wife and I are both XXXX living on social security and a very small investment account that will now run out much sooner than expected. We have in the past tried to talk with Navient about a possible settlement on the loan so as to not hurt our credit rating and they say it has to be in collection and be at least 3 months past due before they would discuss any kind of settlement or reduce the loan. I also do n't remember signing any of the loans except for the original one, we found out after we started to repay the loans that XXXX also received loans to cover room and board and expenses that we were not aware of at the onset, I believe that XXXX College was very underhanded with there issueing and disbursing the loans. I hope there is something you can do to help us. The account number is XXXX
Consumer complaint received 2015-11-23
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: ALLY FINANCIAL INC. (NY)

My father had a car lease through Ally bank. 
He expired on XXXX/XXXX/15 - approximately 20 months prior to the end of his lease. 
He paid his XXXX lease payment. 
I am his son and co-executor of his will. 
I contacted Ally bank in the days after his death and was instructed to FAX his death certificate and proof of executorship, which I did. 
After confirming receipt of these documents Ally stated that further payments would not be automatically withdrawn from my father 's accounts. 
I returned the car to the dealership, returned the plates to the DMV, and contacted the auto insurance company. 
I have since received notice that I owe {$8800.00} to Ally. They have explained this as the difference between their estimated value of the car and what they received for it at auction. 
I do not have a copy of the lease contact. 
I was not informed by Ally when I initially contacted them that I would be responsible for this sum. I was not informed that I may want to keep the vehicle, pay the lease payments ( which would have totaled about {$10000.00} over the remaining 20 months of the lease ). 
If I was aware of this I would have kept the car, made the lease payments and driven it through the lease period. 
Now the bank gets just about the entire term of the lease paid to them but was able to repossess and then sell the vehicle at a much higher residual value than it would have had had it been returned to them at the end of the original lease period. I could have spent just a little more money over the next 20 months and had the car. Instead the bank has the car and I have to spend almost the same amount of money.
Consumer complaint received 2017-02-22
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (GA)

Ally Auto financing makes it hard to get the 10 day payoff. They take 3-5 business days to process a 10 day payoff and does n't make it available online even though they have online bill pay and financial online statement. How can they make it easier to obtain the payoff amount