davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-28
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Exeter Finance, LLC. (MA)

I was going through my credit and noticed a vehicle that was repossessed several years ago is still reporting with several inaccuracies, such as balance, original balance, date of last activity, status, etc. Plus I had a Gap insurance on that vehicle and I never received and documentation after the repo. It shows charged-off with wrong balance, and it's definitely violations of FCRA and MVISA.
Consumer complaint received 2023-04-03
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (NV)

I am not sure if I chose the correct complaint- here is what happened. 
My husband. XXXX XXXX XXXX passed away on XX/XX/2022. XXXX had a few credit cards on his own and I called everyone of them a few days after his passing to notify them all. Each creditor asked if there was an Estate and I told them no. I was told by every creditor that is debts would be forgiven and I mailed all of the a copy of XXXX 's certified Death Certificate. 
I received in the mail from 3 of his Citibank Creditor 's a 1099-C for each of these accounts ( attached ). I immediately tried calling their Recovery Dept and was on hold for hours days at a time, with no contact from them. I sent them a letter ( attached ) dated XX/XX/XXXX, the day after receiving them and still have heard nothing. He had approximately 5 store credit cards and the other 2 creditors never heard from them again. This is going to pose a huge tax implication to me and they will not respond. I am shocked that I received these as he was making payments on these cards and then to have been told that the accounts would be forgiven. I would greatly appreciation your assistance. In my time of grief and having to deal with this, is horrible. Thank you. XXXX XXXX ( XXXX )
Consumer complaint received 2022-05-06
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ERC (CA)

Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. 

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence, such as a trilateral contract, that I have any legal obligation to pay you. 

I will need this documentary evidence to insure that your office isnt using unlawful extortionate means, as defined by 18 U.S. Code 891, with forethought and malice to bring harm to me or my financial reputation by making any false claims of securities, causing a tax liability. This documentation showing my legal obligation to pay you would insure me that there isnt any unlawful theft by deception, bank fraud, and creation of false and deceptive forms is in the act of taking place to a federally protected consumer, beneficiary, debtor, and holder in due course pursuant to UCC 3-306.

If your offices can provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will file for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. 

If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to these accounts must be deleted and completely removed from my credit file, if applicable, and a copy of such deletion request shall be sent to me immediately.
Consumer complaint received 2018-05-28
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. (NV)

On XX/XX/18 XXXX received a credit report dispute, disputing items including two bankruptcies.I have documentation from the furnisher/bankruptcy court stating the court records and dockets are available via XXXX. I contacted XXXX via email asking how do they verify and they stated, " XXXX does not directly verify federal case information to third parties by phone, fax, or email. XXXX also stated that XXXX does the verification for public records. I called and they stated no one has called to verify not one public record on my consumer report and I also have paperwork for XXXX stating that they could not verify the two bankruptcy records that are reporting as negative on my credit report. XXXX has not done their job to accurately verify items on my credit report. Also, the FCRA section 611 states the furnisher of the information must verify. Equifax and XXXX have also stated that they have previously " verified '' both bankruptcies reporting adverse on my credit report.
Consumer complaint received 2022-11-11
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: CITIBANK, N.A. (FL)

There is a Macys credit card # XXXX on my credit report that is not mine. I called to verify this account and although we have similar names, it not mine. The social, address, last full name and even the state in which this account was opened does not match any of my information. 

This particular account is affecting my ability to close on my new home this month.
Consumer complaint received 2022-05-06
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: Chime Financial Inc (CT)

I filed a dispute with Chime Bank for XXXX  transactions both from XXXX car dealership I'm the amount of {$250.00} each. One transactions was canceled by XXXX and they said they would refund me but never did. Then XXXX weeks later they charged me another {$250.00} despite me not having ever purchased a vehicle from them. XXXX refused to help me and just kept giving me the rub around. So filed a dispute with Chime. My credit card has a " XXXX liability protection " on it but Chime has never helped me recover any money from unauthorized transactions. They have denied every dispute I've ever done and never provide me with the explanation as to why they are denying my claims. I've provided so much evident to support my claim and they always say they will send me what documents they used to make their decision but it would take XXXX business days and they never do. I also know I legally only have 10 days to appeal a denied dispute so I do believe they are purposely taking that same about of time to send me the documents so I can not file an appeal. They advertise the XXXX liability protection and I feel deceived because they have done nothing to safe guard my money or help recover it ever. I am fed up with their deceptive trade practices.
Consumer complaint received 2022-05-06
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. (FL)

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 XXXX/EQUIFAX/XXXX  was XX/XX/XXXX, 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 following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXX  XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}.
Consumer complaint received 2022-11-11
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)

XXXX XXXX XXXX XXXX XXXX Address XXXX XXXX  XXXX XXXX, VA XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/2022 Date Updated XX/XX/2022 High Balance {$630.00} Original Creditor XXXX XXXX  Past Due {$630.00} Pay Status >Collection in accordance with the Fair Credit Reporting act XXXX 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 2022-05-06
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. (MO)

By the use of MALPRACTICE I have been subject to VIOLATIONS OF THE FCRA by your company. 

As a RESULT I have experienced FINANCIAL INJURY, DEFAMATION OF CHARACTER, JOB DENIAL, CREDIT DENIAL as well as GOVERNMENT ASSISTANCE DENIAL.
Consumer complaint received 2022-05-06
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)

In accordance with the Fair Credit Reporting act XXXX XXXX CO 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 2020-04-19
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (AR)

I have a Us bank reliacard for my child support and I received a payment from child support and paid my rent that was XXXX and I had got XXXX out of the ATM on XX/XX/2020 and right after that they locked my card. So when I call to try to correct the issue I get no response I just get put on hold for like 2 hrs then I get hung up on and this will happen 2 or 3 times a day can somebody please help me fix this issue
Consumer complaint received 2017-02-16
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: JPMORGAN CHASE & CO. (NC)

It came to my attention recently that an ex-girlfriend had fraudulently used my Chase credit cards. One had a limit of $ XXXX and the other $ XXXX. I notified Chase and filed a police report. The fraud included a gentleman facilitating phone calls and posing as me. Both parties have been charged. Immediately Chase told me that they would close the account, reverse the charge and issue a new card. I closed my bank account, and Chase told me to not only do that but go to my bank and request a return of payments that were connected to my account. About three days later, Chase called and said that since i had been a beneficiary of the fraud, even though it was unknowingly, they could not substantiate it as fraud. I agreed to handle the process through the courts to seek the return of property acquired and restitution. In the interim, I attached a new bank account and returned the funds that they had returned to my bank, as well as made another payment. Though the fraud was only on the Sapphire card, I found that both cards said " account closed '' when I logged on. The specialist I talked to promised me that I would be issued new accounts, and I need only continue with my payments. When I called to speak with Chase about the accounts being closed, they offered that they had done a random credit check, and though no other accounts on my credit report had changed, they cited " a rapid increase in balance '' which was the fraud on the Sapphire card, and ( 2 ) a returned payment, which they informed me to pursue. I have never made a late payment with them, even with the fraud occurring. Further the balance of the other card that was not affected was $ XXXX of $ XXXX, which I was logging on to pay. I had previously opted out of pre-screening offers, so their rationale that this was a random credit check was bogus and an outright act of deceit. The other card is at $ XXXX of $ XXXX with the fraud. The fraud included one major purchase that the woman and her accomplice made, so I am unsure of how a rapid increase of spending is justified. I believe that this is unfair and deceptive business practice, as all of the actions taken were under the advisement of Chase. As well, the specialist was dishonest with me regarding next steps regarding the status of my account. Again, the Marriott Rewards card had no bearing on the other account, nor did I allege any fraud. I was able to retrieve items from the authorities and return them for credits to that card.
Consumer complaint received 2017-04-09
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (IN)

My name XXXX, I 'm victim of identity theft and found out Chase Bank manager at XXXX, in released my personal information regarding deposit amounts, debit card info to XXXX whom stole my personal information. They drained my accounts and when I went to manager there I was told they were ending there relationship with me because I wanted to file a claim and asked for transaction history on my accounts that he refused to give me. This is just the beginning and have received XXXX threats as well by those who stole my Identity. Please contact me asap and will provide documents.
Consumer complaint received 2015-09-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (OK)

Someone tried to get a loan using my personal information from " XXXX '' on XXXX XXXX, 2015. That inquiry was fielded by Esperion and it is impossible to get the XXXX digit number to dispute the inquiry. There was also an inquiry in XXXX from XXXX XXXX with someone trying to open a BUSINESS in my name. I will be able to have that inquiry withdrawn by writing a letter. However, the XXXX XXXX people have been unhelpful and these will adversely affect my chances of obtaining any kind of decent credit rating in the foreseeable future.
Consumer complaint received 2017-04-10
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (VA)

In order to finish my college education, ( my father had exhausted the 90 % federal loan borrowing amount ) I had to take out a private loan. I 've been repaying my loan since XXXX 2006 with an initial borrowing of {$18000.00}. 11 years later, my loan is still not paid off and still have nearly 10K to go. To date I 've paid {$26000.00} in total. All things considered it would have been easier for me to drop out of college then to have this loan haunt me my entire adult life. Navient has put me through the wringer with customer service with no clear answers. Education is highway robbery.
Consumer complaint received 2022-05-05
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Account information incorrect
Company: Upgrade, Inc. (FL)

I have a single account that is being reported as two accounts to the credit bureaus. In addition, the credit limit and the minimum monthly payments are reported incorrectly. The account has a XXXX limit. One report shows XXXX, another shows XXXX. These errors are causing problems in my home buying process, and Upgrade refuses to give me written documentation clarifying that I only have one account, and that they will fix the errors. The reason they give for this refusal to provide written acknowledgment of my actual account status is privacy issuesdespite the fact that they regularly post documents with similar personal information to my account portal. 

Im at risk of my home mortgage being denied at this point because of this misreporting, which makes it appear as if I have {$1500.00} in min monthly payments due to Upgrade. 

In addition, the truth in lending statement for this account is deceptive. The amount Im actually charged monthly is nearly double the amount shown on the XXXX, despite the actual balance being thousands less than the XXXX statement shows a payment amount for.
Consumer complaint received 2022-05-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Accounts, LLC (MO)

I've spoken with multiple representatives at Capital Accounts based out of XXXX Tennessee and have been told that they will send me something from XXXX heating and cooling outlining the services they claim to have provided me in the amount of {$89.00}. I disputed this debt with them over the phone have yet to receive any information regarding the debt or a time frame in which it will be resolved. Spoke to a supervisor named XXXX XXXX who told me his extension is XXXX who told me that their information is public when requesting the address to verify the company on XXXX. He would not verify the address that I was seeing on XXXX and only explained it was public and kept giving me a XXXX XXXX XXXX is not the address on google. After explaining to him that I'm recording the call he said I never told him that ( which isnt required in Tennessee ) and then decided to laugh about our conversation and push me off the phone as if it was funny. This Supervisor was very rude and seemed like he could not care less about the fact that I've been trying to get to the bottom of this on multiple occasions now with no XXXX on the XXXX and then speaking in a very condescending way to me like he would prefer I remain in suspense about this. This debt is not valid and If this is not rectified in a way that I deem satisfactory I will be suing XXXX and this collection agency, which seems silly given its {$89.00}.
Consumer complaint received 2016-12-06
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (MD)

XXXX sold my mortgage to Carrington Mortgage Services, LLC in XX/XX/XXXX, and they have refused to take mortgage payments, has not provided the original wet ink signed unaltered documents showing proof to collect, refused a short sale, refused assumption packet, had my homeowner 's insurance canceled, submitted altered documents to XXXX and XXXX courts requesting to foreclose on my property three times with most recent letter dated XX/XX/XXXX with a move out date of XX/XX/XXXX. CMS provided altered docs stating I defaulting on loan in XX/XX/XXXX and did not reinstate the loan when I have documents showing that XXXX approved a loan modification and said for me not to may payments from XX/XX/XXXX - XX/XX/XXXX. CMS submitted docs to County 's recording office stating I appeared in CA and other locations that I did not appear. Did not honor the Administrative process to show proof of " said '' debt, and the mortgage loan has been securitized and CMS can not produce a clear title or show true holders of the promissory note or title. CMS has tried to force me to move out of the property and refuse to work with me. CMS has rude customer service reps, do not apply payments in a timely manner, called to cancel my homeowner 's insurance, increases customers mortgage payments without valid explanations, changes the locks on the residents homes, make attempts to break into properties, file fraudulent docs with County 's Clerks office, website will not accept online payments - forcing customers to pay additional money for alternative payment methods. CMS is a very dishonest company who do not seek to work with its mortgagee but rather are quick to use deceptive practices and altered documents to enforce foreclosing proceedings. CMS will lie, created fraudulent documents, send over workers to illegally enter your property, and submit fraudulent documents to courts and County 's Clerks office to conceal their illegal attempts to steal your home.
Consumer complaint received 2017-04-10
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO. (MD)

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XX/XX/XXXX, XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2017-04-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (FL)

I contacted the credit bureau to inform them of XXXX hard inquiries on my credit report that are not accurate. I requested of them to be removed. In response I was told it 's nothing they can do about them. They ca n't remove the hard inquires. It states that if something appears on my report that is not accurate I have the right to request to have it disputed.
Consumer complaint received 2023-04-03
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: HW Holding, Inc (SC)

Hunter Warfield a self proclaimed debt collector sent me a letter around or about XX/XX/23 claiming that I owe {$2300.00}. I have never heard of this company nor have any contact with this company. Since they themselves stated that they are debt collectors which means that they fall under the guidelines of FDCPA. Pursuant to 15 USC 1692g I have requested validation of the alleged debt that is verified under the penalty of perjury.
Consumer complaint received 2018-05-28
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: Riverwalk Financial Corporation (NV)

I attended to XXXX College - XXXX XXXX and was advised by XXXX XXXX XXXX to take a private loan. This loan ( s ) has been sold to different asset management companies. The latest is XXXX XXXX XXXX who bought the loan and is currently the owner of it. Now, regardless who the owner of loan is, the manager of this account has always been XXXX , XXXX to whom I've been on a payment plan for awhile ( automated monthly payments are taken out of my credit card ) even though am on a payment plan with XXXX , XXXX XXXX XXXX XXXX ( new owner of the loan ) has reported my accounts ( 2 student loans ) to  collections. They do not honor the payment plan with XXXX , XXXX even after they became owners of the loan I was notified that XXXX , XXXX will continue to manage the loans and the my payment plan with remain in good standing for 12 more months.. I filed disputes with 3 major credit bureaus and they denied my request to remove negative collection information from my credit report because XXXX XXXX XXXX does not honor the payment play they notified me in writing about at the time they bought the student loan.