davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (NY)

I checked in with Navient only to find out I owed over $ XXXX in debt to the agency. It said the consolidation included XXXX XXXX University. Any online course I took through XXXX XXXX was paid for in full and in cash. I did not use any loans for this University. When I tried to speak with them to receive my promissory note and consolidation information, they were less than helpful. I still do not know how I manage to owe over $ XXXX in loans. I was forced to pay over $ XXXX/month, which was not sustainable and they refused to lower the payments. When I asked to forbear, they flatly refused. I still have n't be able to see a breakdown of all of this money owed, as when I came out of college I did not owe anything close to $ XXXX.
Consumer complaint received 2022-11-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Colony Brands, Inc. (MA)

I found 3 Montgomery Ward accounts opened in my name all 3 with different account numbers for Montgomery Ward and opened on the same day XX/XX/XXXX with a balance of {$280.00}. I contacted Montgomery Ward and they informed me they do not have these 3 accounts on file under my name. I also contacted XXXX, they informed me to file with the FTC for fraud. I contacted Montgomery ward and I also contacted all three credit bureaus early last week of XX/XX/XXXX.
Consumer complaint received 2015-08-14
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: The CBE Group, Inc. (IL)

A company claiming to be " XXXX XXXX '' calls me every day, multple times per day, saying they are attempting to collect a debt I have no knowledge of. They refuse to give me information and ask for my personal information but I do not want to give my information to a stranger. They call from the number XXXX. I have had calls as late as XXXX and as early as XXXX
Consumer complaint received 2022-09-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: WELLS FARGO & COMPANY (NJ)

XX/XX/2022 Wells Fargo sent me a letter said I applied for cc app but had missing info and I never applied for one and I am not a customer of theirs. I do not have an account with them or every applied for anything associated with this bank. I contacted Wells Fargo and they put in a dispute ID XXXX and sent another letter saying contact 4 other agencies XXXX, XXXX, XXXX, & XXXX to confirm their action of file consumer dispute. I contacted XXXX and they suggested I go online to file report. XXXX does not see anything on credit about Wells Fargo. Concerned about fraud
Consumer complaint received 2022-11-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (NY)

This may have to do with JPMorgan Chase again playing games and trying to ruin me. I requested my statements. By law I am allowed to get my statements. They continue not sending me this year. 2022. I asked for XXXX to present and they keep sending me one month. I have had two Checking accounts and two savings accounts with many months for 2022. They closed it upon me not being asked. I have a letter that I can publish in which they say the decision was mutual. This was not done mutual. They took it upon themselves and back dated the letter the day before they tried to close the accounts. They were caught in such a lie. Which shows that they didn't even contact me. This was done by one or two malignant people in which I have their full information. I have called about seven times and have a representative at a branch help me get my statements and they are holding them hostage. Just like they did with my money. They will not give me one simple request. A full year for 2022. I am talking every month. Not just one month. This company is beyond evil and they are doing this on purpose. I need the statements and I have no idea what to do. LEGALLY I am entitled to get them. I hope the public and the FTC can see how malignant JPMorgan Chase is. They are harmful and they will ruin you physically. I almost got hurt by a manager in which I have her email and her name and the security guard. My elderly mother who is XXXX was also going to be the victim. I recommend not to walk, nor deposit your money with them. I am not ever going to step foot into one of these branches. I am scared out of my mind. I hope someone can do something about this.
Consumer complaint received 2022-09-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Self Financial Inc. (RI)

Self XXXX XXXX company or whatever it is allowed somebody to take a loan out in my name and social security number without trying to speak to me over the phone or getting correct verifiable information. Its fact, because I wouldnt have applied or registered for this program. My credit was horrible but not bad enough to pay into an account I cant take from!!
Consumer complaint received 2022-10-28
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. (FL)

In accordance with the Fair Credit Reporting act 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-09-12
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: WELLS FARGO & COMPANY (MI)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXXXXXX # XXXX, has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX  # XXXX, has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX  XXXX, has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX  XXXX # XXXX, has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX 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 The following accounts are all fraud and need to be deleted from my credit file immediately.
Consumer complaint received 2022-09-12
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: ACIMA CREDIT, LLC (NY)

To whom : it may concern I rented merchandise from XXXX. XXXX thru Acima credit and I negotiate a short-term payout last payment was due on XX/XX/2022 money was in the account in which that didn't withdraw on a due date I didn't notice of said action until after would be made it to appear that I didn't pay in which it was set for automatic payments for Acima to subtract from the account. 

Then in the month of XX/XX/2022, I reviewed my credit report and saw that Acima reported that my account was paid out and closed and they keep harassment going on
Consumer complaint received 2022-09-12
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. (IL)

Hi I am submitting this 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 n 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 im XXXX now.with no help.
Consumer complaint received 2016-04-18
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: TrueAccord Corp. (CA)

I received a letter from TrueAccord, dated XXXX XXXX, 2016, attempting to collect a debt from a short term loan company named XXXX. XXXX appears to be either owned or associated with an online lender by the name of the XXXX ( XXXX ). Both entities appear to be managed by XXXX : XXXX references XXXX Tribal Complaint Hotline ; XXXX references the XXXX. According to TrueAccord, the loan in question was made to a person unknown to me, named XXXX, who used my credit details to obtain the loan. I am not sure if XXXX Tribal Councils are under the authority of the FTC since they are legally considered sovereign nations. But if they are I would like to report an improper loan process. Had either of the original loan makers or the debt collector bothered to inquire with any of the credit reporting agencies, they would have discovered I have a credit freeze on all of my accounts, which requires that lenders check with the major credit reporting agencies as well as to directly speak to me before approving a loan. I received no such call from the lender and the credit reporting agencies say that no such inquiry was made.
Consumer complaint received 2022-10-28
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. (IL)

I sent Equifax a dispute letter to have the following inquiries deleted because I have never given authorization nor do I have any credit accounts or loans with the following companies : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (IL)

Enclosed document details dates and amounts of phone payments stolen. Account is frozen now due to the fraudulent transactions. Account holder in hospital XXXX thru XXXX, XXXX thru XXXX and placed in XXXX XXXX, XXXX XXXX. We began seeking a health POA in XXXX of 2022. When the doctor 's letter stating that she needed to have assistance with a POA matters, was finally received in XXXX, Chase refused to allow access to the account. Account holder passed XXXX but never prior to these transactions, was a phone payment method used. Account should have been flagged and frozen months before it was. Even after being notified of the fraud, Chase  did not freeze the account, and it went into overdraft after another transaction happened. These are some of the extenuating circumstances that cause us to seek a reasonable resolution of this matter.
Consumer complaint received 2021-10-28
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TN)

My Equifax report does not contain a XXXX  XXXX XXXX credit card account on which I have been a co-account holder with my husband for several years. This is causing my credit score to be lower than it should because this is our main credit account. It is reported correctly to XXXX and XXXX. XXXX  XXXX XXXX reports to me that they have contacted Equifax on four occasions regarding this without response : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, all without a response from Equifax. I have made several phone calls between companies and am unable to get this issue resolved. XXXX  XXXX XXXX refuses to give me documentation of these contact dates in writing. They also refused to speak with the Equifax representatives on a conference call with me to help resolve this issue.
Consumer complaint received 2022-10-28
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: EQUIFAX, INC. (AZ)

On ( XX/XX/2022 ) I 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 2021-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Conn's, Inc. (VA)

I spoke with a Conn 's customer service representative in XX/XX/2021 to make a payment and schedule a payment for the XX/XX/2021 due date. The representative did not schedule the payment and I was unaware that the account ran delinquent. When I found out that the XXXX payment was 30 days late going into XXXX, I quickly called the company to remedy the situation and make full payment and payoff of the account. I was told that the 30-day late mark on my credit report would be removed since I never had a 30-day late payment with the company before. I was then told several days later that the company was using their discretion and not removing the late mark.
Consumer complaint received 2015-08-02
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (KY)

I contacted Seterus Inc XX/XX/XXXX by email. I explained I was told I had a 60 day late payment on my mortgage history when I applied for a preapproval to buy a new home. I explained that I could not have been 60 days late in XXXX because I had sold the house and paid it in full on XX/XX/XXXX. I fully expected this was an easy fix. I emailed them on XX/XX/XXXX and attached to my letter was the closing statement showing the mortgage with them was paid in full XX/XX/XXXX. I also attached the credit report showing the mortgage was marked 60 days late XXXX. I am writing to you today on XX/XX/XXXX and my credit report is still not fixed. I called them almost one month ago now to say I never received a response. The girl on the phone told me the letter went to the wrong address. I ask if she could read the letter to me from the computer she said the letter said everything was reported correctly. I ask to speak to a supervisor. After one hour on the phone the supervisor agreed she could see where the mortgage payment for XXXX could not have been 60 days late. She said she would have a soft credit pulled and have it fixed. I was on my cell phone and got cut off. I called back in a few minutes not having the supervisors name the girl on the phone looked up my old account and said there were no notes in my file. I said could you please put my phone number in the Computer to make sure they have it fully anticipating the supervisor would call back because she said she would. XXXX I called back again and went through the whole story with another person XXXX XXXX. She apologized and told me I needed to write the 3 credit bureaus to have it corrected. I explained I know that process and it would require up to a 90 day wait.. I explained after All the time I had waited it would be much simpler and easy for Seterus to make it right they were the ones who reported it incorrectly. She said they could n't do it. I am writing this complaint for others also. I am a XXXX and this is NOT the first time this has happened. I did a loan for someone with a very similar situation last fall. I had to order a credit supplement which XXXX had to pay for. The underwriter turned he loan application down initially because of the recent late. The credit supplement XXXX ordered showed they were incorrect which helped him get the loan but did not fix his credit report. It is not fair the attitude they have. Everyone I spoke even including the letter I received takes no ownership in have to live in my son 's small apartment till I can get this fixed. I have to store my furniture. Please if you can get through to them for all the people like me who just want fair credit reporting can you help us. I am happy to pro idea the other name of my loan applicant if you need it.
Consumer complaint received 2021-10-28
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. (IL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-03-23
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: AMERICAN HONDA FINANCE CORP (NM)

American Honda Financial services has Illegally collected a disposition fee ( {$350.00} ) plus tax against the agreement on my lease contract when I already have purchased the leased XXXX vehicle through another third party dealership. 

I leased a XXXX XXXX XXXX in XX/XX/2018. 
Couple of months in advance before my lease was up, I decided to buy a new XXXX. 
And I paid off Honda financial services in full Via check to through a dealer. 

The California Lease agreement clearly mentions under section # 3 that Charges such as disposition or Turn in fee ( 350 $ fee+tax ) will ONLY be applied if i do not purchase the vehicle and return the vehicle itself to XXXX dealership XXXX 
( Please refer the attached contract snippets. ) There is no legal right for Honda financial to charge a vehicle disposition fee to cover a car that they no longer own nor have to dispose of. This is highly unethical. 

My lease contract states there is no purchase option fee nor conditions the disposition fee will be incurred in the event of a purchase. 

The discrepancy between personal and third party payoff is not addressed in the contract. It just says the lessee is the only one that can exercise the purchase option. And I am being illegally charged turn in/ disposition fee for exercising my purchase option. 

The attempts made to resolve this issue with XXXX financial were unsuccessful. 

I would like this charge to be dropped/refunded to me ( as I am forced to pay it to complete the purchase of my new XXXX vehicle ). 

Please help me resolve this case. 
Thanks! 


XXXX XXXX
Consumer complaint received 2022-11-08
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: LEXISNEXIS (LA)

In ordinance with the fair Credit Reporting act, everything has to be 100 % accurate on my credit report. 
This company and 3rd party bureau iolated my rights. 
15USC 1681 section 208a states I have the right to privacy.

16 USC 1681 section 604 a section 2 states it also states a consumer reporting agency can not furnish my account or account info without my written consent.
Consumer complaint received 2015-07-13
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (VA)

Debt collection notices constantly received from Transworld Systems Inc . I have called twice and notified them that debt has been paid with Check # XXXX cashed by XXXX XXXX XXXX on XXXX XXXX, 2015 for the full amount of the debt of {$40.00}. ( Scanned copy with full cashing information attached ) My account # at Transworld is XXXX. However, Transworld continues to send me collection notices more than weekly despite my calls. The XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX VA XXXX goes directly to an answering service when called. I provide all requested information and am told I will be called back within 24 hours. After 5 calls, they have failed to contact me. I consider the actions of Transworld invasive and abusive and the lack of response from XXXX XXXX XXXX XXXX against reasonable business practices. Furthermore, they only have one method of contact -- phone -- - which as previously stated is an answering machine with no return phone calls despite numerous attempts by me and assurances on their part.
Consumer complaint received 2016-12-05
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: I.C. System, Inc. (FL)

In 2014, an account was opened with XXXX in Ohio. 
After leaving ohio I had closed the account with XXXX and returned there equipment. 
I then started receiving calls from a debt collection agency. Which I then called XXXX who confirmed I returned there equipment and was told they would tell the debt collector to stop. 

To date they have not called back but now I see it affecting my credit score.