davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2018 I filed a fraud dispute with CHASE in the amount of {$9000.00} paid to XXXX XXXX XXXX on XX/XX/2018. 

I provided evidences showing the contract was part of a cross states fraudulent business conducts with deceptive sales techniques, overpromising, nondeliveries and hidden costs. According to law the contract is fraudulent and voidable. I contact the merchant of my complains, and ask for cancellation and refund, but get no response. I started the dispute with CHASE. 

CHASE denied my dispute petition and insisted that I should continue with the fraudulent based contract and continue with the not-yet-completed services. I was told they denied the dispute because the remaining service is available to use. 

But, in fact, the merchant never made the remaining services available to use and had never replied to any of my correspondence up till this day of XX/XX/2018 since the start of the dispute. 

From my perspective, CHASE credit card service had favored the fraudulent business entity, endorsed the deceptive business conduct, discriminated a small business account like mime.
Consumer complaint received 2018-10-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY (CT)

Hello, Wells Fargo is incorrectly reporting a missed/ late payment on my loan account with them. One month I've paid my monthly dues in one of the local branch, and something went wrong on their side that didn't register the payment, although money from my account was withdrawn. I've contacted Wells Fargo and they did admit to their mistake. They've taken care of the late fee and were going to send me some papers to sign and send back, but I haven't received anything as of today. Every time I try to reach out they keep telling me about some paper to sign but this run around has been going around for almost a year now and this is affecting my credit score for way to long.
Consumer complaint received 2018-10-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: DIRECMANAGEMENT, INC. (GA)

I've had tried to contact Direct Management Inc., on numerous occasions concerning ( 2 ) debts in which I have no knowledge. I have requested debt validation and/or contract agreements between Direct Management Inc. and myself, but they have failed to provide them. One one occasion an account was removed from credit file and now has re appeared. They have illegally scared my credit and violated my rights under the HIPPA Privacy Act. Please help me to resolve this matter promptly. Direct Management Inc. is running and illegal service under HIPPA 's guidelines.
Consumer complaint received 2022-07-23
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. (LA)

U S DEPT OF EDXXXX XXXX XXXX, US DEPT OF EDXXXX XXXX, U S DEPT OF EDXXXX XXXX XXXX U S DEPT OF EDXXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, ONLY NAME IS XXXX XXXX, ONLY XXXX IS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2022-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

I contacted Equifax regarding a dispute on XX/XX/2022, and results were sent to stating that the accounts were verified and validated on XX/XX/2022. I know this to a lie, I requested physical verification, that was never sent to me. I contacted Equifax on XX/XX/2022, informed them that given the recent announcement of Equifax 's wrongdoings and fraud, I am certain my consumer file was irresponsibly tampered with. I have disputed these accounts for more than three months with no remedy, violating my consumer rights pursuant to 15 USC 1681 ( A.5 ), which assures that I am due, promised accuracy in my report and all unverified information must be removed promptly. I was hung up on by the supervisor because I stated that I am recording the call for my protection as does Equifax, if they are able to record the conversation, why should I not be able to since they are reporting information about me that I did not verify them to do.
Consumer complaint received 2017-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (OR)

I went through a name change when I got married in XXXX, changing my last name to XXXX from XXXX. I also moved and reported that to both the school and Federal Student loan dept. When it came time for my deferrment to end and to start paying, the company sent all the letters and payment requests to the old address that was NEVER forwarded. It was n't until the collections showed on my cbi reports that I was aware of the problem. By that time the XXXX XXXX XXXX XXXX transferred all my accounts to their delinquency credit collector who refused to accept my paperwork for repayment for 1 year and half! After finally threatening the credit agency with an attorney after speaking to one, the collection agency accepted my repayment plan on their own " made up '' terms. The credit reports continue to show the accounts as derogatory and unpaid since original date reported. I have been paying since contract with the credit company. The XXXX XXXX XXXX XXXX 's collection department has racked up over $ 7k in interest by stalling this process all along. When I call the XXXX XXXX XXXX to try to pay the entirety of the balances off with consolidation loans, they reject my requests and say their is nothing I can do but to stay in this ridiculous repayment program. They took my husband and I 's XXXX tax return and applied all $ 7k to the loan balance even though the credit program I contracted under said this garnishment would not happen. It 's ruined my credit and I can not buy a home. I have disputed it with all 3 credit bureaus. The cbi 's removed it and then it reappears again the next month. An attorney has advised me to contact your agency to help. Please help me.
Consumer complaint received 2018-10-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BARCLAYS BANK DELAWARE (PA)

I was sent a letter in a first-classmail, postage-prepaid envelope, saying the sending company received an application for a credit card. The return address is : Barclays XXXX. XXXX XXXX XXXX, DE XXXX Aside from the fact that I did not apply for their credit card, this address is out-of-state. They also chose to attach the optional four digits of a ZIP code in the recipient address, but these four digits do not match those of my actual address. Immediately below the recipient address is a USPS Intelligent Mail barcode, which contains the same false extra digits encrypted. On the center right is a XXXX XXXX code that gives a 16-digit number when decoded. A little over two inches above, a small six-digit number beginning with a " 0 '', followed by " 1/1 '', is written and rotated 270 to fit in the letter 's right margin. On the left margin ( also rotated 270 degrees is a six-digit string, with three capital letters and three numerals. There is also, of course, the alleged company Barclays ' letterhead in the top-right corner, with a leftward-looking eagle silhouette logo to the left of the company name. 

The letter reads as follows ( personal information redacted ) : " Application : [ 8-digit number ] " XX/XX/2018 " Regarding Your Application for the Barclays Visa with XXXX XXXX " Dear [ first and last name in all caps ], " Thank you for your recent application for the Barclays Credit Card. 

" We have reviewed your application and determined that additional information is needed before we can process your request. 

" - Please send a copy of the front and back side of the following documents : " - Your Drivers License/State ID, Social Security card, and a current original utility bill or bank statement with your name and address. 

" Please respond within 30 days of the date of this letter by sending the requested documentation to the address below. If we do not receive a response within 30 days we will be unable to give your application further consideration. 

" Card Services " XXXX. XXXX XXXX " XXXX, DE XXXX " We looking forward to hearing from you to complete the processing of your application. 

" Sincerely, " Barclays '' [ no signature ] In smaller print : " NOTICE : The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age ( provided the applicant has the capacity to enter into a binding contract ) ; because all or part of the applicant 's income derives from any public assistance program ; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The federal agency that administers compliance with this law concerning Barclays is the Bureau of Consumer Financial Protection, XXXX XXXX XXXX XXXX, Washington , DC  XXXX. 
" The Barclays Credit Card is issued by Barclays Bank Delaware, XXXX. XXXX XXXX, XXXX DE XXXX. ''
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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 n i made this clear for 60 days straight with transunion 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 Transunion. 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 Transunion more than 21 times. transunion 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 XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
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. (PA)

In accordance with the Fair Credit Reporting Act, XXXX account XXXX 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.
Consumer complaint received 2022-08-23
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: General Motors Financial Company, Inc. (GA)

A certified letter ( XXXX ) was sent to GM Financial/General Motors Financial Company/General Motors , LLC/ XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  to demand for validation of debt Pursuant to 15 U.S.C. 1692g. I requested documentary evidence to ensure I am obligated to pay this alleged debt.

Pursuant to 15 U.S.C. 1692c ( c ) ( 2 ), I invoked specified remedy and demanded the following : A copy of the contracting binding both parties consumer and GM Financial in a letter by certified mail so that there is an independent witness to it having be delivered Verification of GM Financial claim against consumer that will be a signed invoiced Validation of the alleged debt and that will be the actual accounting as it relates to o Book of account ( GAAP ) related to consumer credit transaction and the account which will include the ledger of both sides. 
o Financial and corporate records that would substantiate this allege claim of {$13000.00}. 
o Any other lawful or verifiable proof of claim money for loan originated from GM Financial XXXX bank account or stock Any XXXX filing and or statement including any addendums Consumer received a formal notification that GM Financial was in contact of their reference to account XXXX. From the requested information above, GM Financial stated this account may have been fraudulently established as a result of identity theft. I was seeking to validate debt. Pursuant to USC 1692g I asked the office to provide proper document as requested. GM Financial was advised to cease and desist all collection and communication activity unless you notify me this debt has been zeroed out and reported paid as agreed to all credit reporting agencies and the company is no longer collecting on the alleged debt
Consumer complaint received 2022-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

I submitted request to all Equifax, XXXX, and XXXX regarding removing inaccurate items from my credit report. To date inaccurate information still appears on my credit report. 

Variations of inaccurate name on my report Old inaccurate addresses on my report Old inaccurate employers on my report 1. My legal name is XXXX XXXX XXXX and it is the name I use for all credit and debt purposes, any other names ( or any other variations ) on my credit should be deleted as they are not my legal government name. 

2. My last employers was XXXX any and all other employers on my credit report should be deleted as I do not work for them. 

3. My current address is XXXX XXXX XXXX XXXX, XXXX, TX XXXX and is the address I use for all credit and debt purposes, any and all other addresses on my credit should be deleted as they are not deliverable to me by the United States Postal Service XXXX
Consumer complaint received 2022-08-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: DISCOVER BANK (CT)

On XX/XX/XXXX I opened a Discover card offering no interest for 18 months on balance transfers. I initiated a balance transfer from XXXX XXXX of {$3500.00} to the new Discover card in XX/XX/XXXX and it took effect on my Discover card ending in XXXX on XX/XX/XXXX. I looked at my accounts XXXX yr. later to see that the transfer of funds was not done and taken off my XXXX XXXX XXXX ending in XXXX. I have been paying both cards for the balance since the transfer. I have been calling both companies with no advancement in the situation. XXXX XXXX did suspend the amount temporarily and states they never received the payoff from Discover. Discover has not provided the payment transmission form proving they paid XXXX XXXX and is stalling to send information. Apparently, Discover card is giving me a run around because we are not getting anywhere as it is over 6months of contacting Discover company. Please step in to help get this corrected.
Consumer complaint received 2022-08-03
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PNC Bank N.A. (IL)

CFPB, I am writing this to gain your assistance with my short sale. My short sale file and closing are being held hostage by the PNC representative, XXXX XXXX. 
We have been approved, however, XXXX does not understand the buyer must be given a tax credit at closing. Essentially, in XXXX XXXX Illinois we pay taxes twice a year and a year behind. In XXXX of XXXX we pay for the first half of XXXX and in XXXX we pay for the 2nd  half of XXXX. The second half of XXXX and XX/XX/XXXX is still owed as a tax credit to buyer. Here, XXXX is unpaid and owed the first half of XXXX on the XXXX tax bill because it wasnt paid. Approximately {$4300.00} or more will be owed for the XXXX half in XXXX and if you prorate from XXXX through closing of XXXX approximately XXXX is due at closing. $ XXXX ( a full year ) = XXXX ; XXXX per month for 10 months with an XXXX closing is {$7200.00}. He is shorting the buyer {$7200.00} from the sale proceeds which is not fair to the buyer or me. Would he buy a home and pay property taxes for the time the seller owned it? I dont think so. 


My attorney has spoken with PNC representative XXXX XXXX and she was very nice, understood and agreed a tax credit needed to be given. My attorney spent two days discussing this with her and he drafted a settlement statement to reflect the credit the correct way/the way she said to show it. We sent in the settlement statement and XXXX still denied. He keeps asking for documentation showing the taxes are owed. My attorney sent in tax documentation ( see attached ) from the county website, a video on how taxes are paid in XXXX XXXX and the number to the county treasurer for him to verify. My attorney also told him to contact PNC lenders on the home buying side to better understand how taxes are paid by his own organization. He blindly denied all, did NOTHING, and keeps asking for documentation. If documents from the county treasurer dont work, what more can we do? His colleagues understand it but for some reason he is at a loss or doesnt care to do the right thing. 

PLEASE HELP ME. All we need is for the tax credit to be given and more time to close through XXXX because the buyer doesnt want to spend money on an appraisal when he is being shorted his tax credit. XXXX keeps threatening my attorney if we dont close soon he will close out the file and we will have to start all over. My XXXX and health cant take starting over, Ive already had a XXXX, recently lost my mom, and filed bankruptcy due to this mess. I want this done with. With the tax credit and extended closing date, we can close and I can put this 4 year short sale hot mess with PNC behind me. Anything thing that can be done to help me is greatly appreciated. 

The property was damaged by fire and each day city liens and fines are growing. This can end with your help. I authorize CFPB and any media outlet authorization to speak with PNC. 


XXXX.
Consumer complaint received 2018-10-21
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Neon Newco Corporation (FL)

I reported my card canceled one day and was waiting for another one in the mail. Well I never carry cash on me and I got a ride home one day. Wanted to give her some gas money but had explained that my netspend card had been stolen so I fell asleep in the car with my tool bag and my wallet and my meds were stolen. Unfortunately I keep my login info in my wallet she must have called and had the money transfer to her acct. So my friend called me later and as asked me where his girl got all this money at. So I looked at my app and it was all gone.
Consumer complaint received 2022-07-23
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: EQUIFAX, INC. (NY)

In accordance with the Fair Credit Reporting Act, XXXX  account # XXXX is violating my rights. 

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

15 U.S.C. 1681 Section 604 A. Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2017-06-16
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (WA)

I consolidated several  FFEL Stafford unsubsidized/sunsidized/Federal Perkins lo ans taken out over 4 yea rs  XX/XX/XXXX - XX/XX/XXXX into an FFEL consolidated loan for {$27000.00} in  XX/XX/XXXX . For t he next approximately 18 years I was counseled by the loan servicing representatives to defer or forebear the payments with no counseling that the interest is still accruing. It was not until recently I pulled my credit and saw a loan balance of {$100000.00}. I have called and tried to work with them to understand how this happened and how I get it fixed. There is no responsibility being taken by the company that would call me every so often and say " do you want another deferment? '' and never explain this was a very irresponsible choice and educate me on the consequences of those easy yes answers I gave them over the years. I will not be able to pay this loan off in my lifetime. I do however have a family member willing to offer a cash settlement but I have been informed that I can not negotiate. Why? I have spoken to a lawyer and will pursue more options for legal action. We feel this is predatory lending among other types of consumer abuse. Filing this complaint was recommended by my counsel as a first step. Thank you.
Consumer complaint received 2021-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I have advised the credit agencies many times that the statue of limitation is expired and this item is still on my credit report. My next step is to hire a consumer law attorney XXXX XXXX - XXXX XXXX  Equifax XXXX  Date Opened XX/XX/2007 XX/XX/2007 XX/XX/2007