davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MD)

In accordance with the fair Credit reporting act XXXX  XXXX XXXX account # XXXXXXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account XXXX XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX, XXXX XXXX XXXX account XXXX, XXXX XXXX XXXX XXXX account XXXX XXXX XXXX, BANK XXXX XXXX XXXX account Number XXXXXXXX XXXX XXXX XXXX account Number 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 2022-09-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

Unfortunately a few months ago one lady she called me at XXXX XXXX and she asked me for invest some money on XXXX XXXXXXXX and after a few months she asked me to transfer all my amounts and balance to exchange currencys company with their app, but every thinks was good, and every day my amount and my assets grows up and finally when i decided to withdraw my money i got scam, and i saw it was completely i fall in prey, and now I dont know what shod i do, i called many times with crypto and my bank wells fargo, but they dont have any solutions, this was around {$80000.00} and I invested into crypto then with digital wallet i sent to that comapny exchange curreny name was facoinplus.com So now i have nothing i am in red and broke, i lost my job my house, i XXXX  in the car for XXXX  months and i have nothing to do, please help me,
Consumer complaint received 2022-07-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (IA)

I had placed a deposit on a XXXXXXXX hotel in the fall of XXXX The date of the reservation was XX/XX/XXXX. We canceled the flight on XX/XX/XXXX because of XXXX XXXX That {$550.00} deposit was not refundable because of the late cancellation. I had no trip insurance other than trip cancellation benefit that my chase credit card offered. I filed for refund of the {$550.00}. The name Insurance company is XXXX. I have submitted their data many times over the last four months. They keep asking for data Ive already submitted. It appears to me that XXXX  has no intention of paying this claim. My complaint is against XXXX  and against Chase for hiring such a bogus company. I think Chase is advertising a trip cancellation benefit Knowing that their client will never be reimbursed for a claim.
Consumer complaint received 2022-09-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: JPMORGAN CHASE & CO. (CA)

I had a XXXX XXXX Business account that I recently closed down. The entire account is closed and has been for several months. But every month XXXX still charges my account {$6.00} and every month I dispute it but then the next month Chase Bank lets XXXX take another {$6.00} for absolutely nothing.
Consumer complaint received 2022-07-03
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc. (CO)

Because I have a consolidated spousal school loan with my ex-spouse, we are not able to refinance to a direct loan and therefore can not take advantage of the PSLF.

We have attempted to convert to a Direct Loan and were denied because Joint Consolidated Spousal loans do not qualify.

This causes additional hardship in that despite the President and Secretary of Education announcements for my FFEL this loan does not qualify for the waiver or for PSLF.
Consumer complaint received 2022-09-23
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. (CA)

I suffered an Equifax data breach. My information has been used fraudulently. I have reviewed my consumer report and have noticed various accounts opened using my private information. All allege contracts are completely fraudulent and an attempt to enforce a fraudulent contract is unlawful due to the contract being created through illegal activity and power of attorney fraud. Please expedite the securing of the allege information listed on my consumer report to avoid me being a victim of identity theft. The FDCPA is intended to secure my right to privacy and my privacy has been breached. Please block and remove all information resulting from identity theft pursuant to FCRA 605b and Title 15 USC 1681 c-2 which states that these accounts must be removed within 4 business days. Title 15 USC 1681 604 ( a ) ( 2 ) also states a consumer reporting agency and/or company CAN NOT furnish an account without my written consent. YOU DO NOT HAVE MY CONSENT. Title 15 USC 1681 602 ( a ) states I have a right to privacy.
Consumer complaint received 2022-08-18
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: HYUNDAI CAPITAL AMERICA (NJ)

From XXXX to XX/XX/2022 I paid total amount of {$3300.00} to Hyundai Finance Co as a part of XXXX XXXX car loan payment ( 72 month payments monthly {$670.00} ). 
Since Mid XXXX I asked to have a copy of the title to transfer car plate from NJ to NY State for a business, the company has neglected with a number of lying and breaking their promises until now.
Consumer complaint received 2022-12-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (OH)

issue is regarding CareCredit a charge taking out of my account on XX/XX/XXXX I received My statement I was alarmed when I saw the charge was for {$500.00} I use this card for my doctors appointment every visit is {$250.00} I have been using my careCredit card at my doctors office since XX/XX/XXXX And if I look back into my statement charge is always {$250.00} I have it set up to automatically comes out of my bank account every month So I never have to pay interest for my visit I called XX/XX/XXXX but XXXX XXXX Never had an exact reason and many excuses When I asked to talk to a manager he said he can refund it Unprofessional And concerning
Consumer complaint received 2022-06-08
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Westlake Services, LLC (TX)

On XX/XX/2022 I sent out a cease and desist letter to stop all communication, a debt validation letter requesting to verify the debt from Westlake Financial. I did not receive any response for the requested information. I also sent in a right of recession, I am exercising my right of recession pursuant to 12 CFR 1026.23 ( b ) ( 1 ), Truth In Lending Act as I was never told I had 3 days to rescind the transaction, nor was I given the notices that come along with all consumer credit transactions. I am rescinding the transaction, and rescinding my signature endorsement. 

My second attempt was on XXXX XXXX. I sent out the same letters as before and no response. Westlake Financial is in violation of auto theft. On XX/XX/XXXX Westlake Financial stole my vehicle not adhering to the previous documents, cease and desist, method of verification, notice of recession and special power of attorney. I sent my letters as certified mail but I never received my return receipt.
Consumer complaint received 2022-07-29
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. (GA)

In accordance with the Fair Credit Reporting act XXXX  XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # 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 2022-12-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (FL)

Since I open this account in XXXX I have made a number of requested to increase my credit limit from {$20000.00} to {$22000.00}. Synchrony Bank has repeatedly refused to make ANY increase stating that " The requested amount exceeds the limits set by our credit policy '' without stating what those limits are or increasing my credit limit within those limits. BTW, I have a credit score of approximately XXXX and a yearly income over {$240000.00} and have NEVER missed ANY payment in my life.
Consumer complaint received 2022-04-25
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. (FL)

I was provided false information about the program XXXXXXXX XXXX XXXXXXXX XXXX XXXX PROVIDED IN ORDER TO SIGN UP ME UP WITH A VACATION PACKAGE. Everything promised sounded too good t be true especially when she said we can book with any resort/hotel even outside of XXXX. My wife confirmed 3 times that this information was all ture and she said yes, after you become a member you will only have to call your reservation speciallist to book for you. this was important because we already had trips planned with resorts outside of the XXXX network so we thought and was assured that we would be saving thousands by simply joining XXXX. after we waited 30 days for membership to start I tried to book XXXX resort in XXXX and was told that is not in our network. I then advised them that we were assured this exact resort is in network by our sales agent before signing up, had she said it was not we would not have signed up. its now going on 3 months and they are charging me monthly even after my dispute and request to cancel this agreement being that we were misled in order to sign up.
Consumer complaint received 2022-06-08
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. (TX)

In accordance with the Fair Credit Reporting act - XXXX XXXX XXXX Account # XXXX Collection {$370.00} XX/XX/XXXX XXXXXXXX XXXX Account # XXXX {$1300.00} XX/XX/XXXX XXXX XXXXr Account # XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX Account # XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Account # XXXX Charge off {$1900.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Account # XXXX Repossession {$0.00} XX/XX/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 2022-12-04
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: EGL US, LLC (GA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2022-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I have reached out to the following companies for them to validate the debt that they are reporting to the credit bureaus. It has been well over 30-days and I have not received a response, so I reached out to XXXX to remove the items. I have patiently waited for them to update my credit history by disputing the accounts listed below but XXXX has not responded to my letters. Please have XXXX to remove the accounts listed below since they are unable to validate the debt that they claim belongs to me. 

XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX Original creditor : XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXXXXXX XXXX.
Consumer complaint received 2022-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MI)

Ive been treated poorly these so called companies sell my name and information to anyone.ALSO sales my info to highest bidder I know that EVERY CREDIT COMPANY SHOULD BE INVESTIGATED
Consumer complaint received 2022-09-23
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (LA)

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 45 days later. I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 45 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 2022-08-23
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Upgrade, Inc. (TX)

My payment of {$210.00} is due on the XXXX of every month so I make my payment for the next month just following my payment due date. As an example, I paid {$300.00} on XX/XX/XXXX for the XX/XX/XXXX payment. {$200.00} went to principle and {$97.00} went to interest. On XX/XX/XXXX I paid {$250.00} to cover my XX/XX/XXXX payment. {$190.00} went to principle and {$56.00} went to interest. I saw that after the payment was posted Upgrade was showing that I still had a payment due for {$210.00}. I contacted Upgrade and they went through my payment history and agreed that I should not have a payment auto deducted from my checking account on XX/XX/XXXX. The rep tried but was not helpful at all and said it was a system glitch. I then sent an email to Upgrade ( below ) and responded back that a notation on the account was not acceptable. On XX/XX/XXXX my checking account was debited for {$210.00}. {$140.00} went to principle and {$71.00} went to interest. So, I made XXXX payments towards my XXXX payment even though I paid it on XX/XX/XXXX. If that was the case then the full {$250.00} I paid on XX/XX/XXXX should have all gone to principle. 

At the end of the day, the system needs to recognize a payment and which due date it applies. Reps need to be trained appropriately, and customer support on email should know better than to blow off a customer by " notating the account ''. I responded back to that comment and never received a response. 


Upgrade Team ( Support ) XXXX Wed, XX/XX/XXXX, XXXXXXXX XXXX ( 12 days ago ) to me # # - Please type your reply above this line - # # Upgrade Team ( Upgrade , Inc. ) XX/XX/XXXX, XXXX AM XXXX XXXX XXXX, Thank you for choosing Upgrade! 

We will notate the information you provided in your account. 
If you have additional questions, we invite you to review our Frequently Asked Questions in our Help Center or contact us by calling our toll-free line at ( XXXX ) XXXX, Monday-Friday, XXXX, Saturday and Sunday XXXX Pacific Time. 

Thank you, The Upgrade Team
Consumer complaint received 2022-09-23
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. (GA)

In accordance with the FAIR CREDIT REPORTING ACT, XXXX XXXX XXXX XXXX XXXX has violated my right under 15 USC 1681 section 602A and 604A section 2 and 15 USC 1666B View attachments below
Consumer complaint received 2022-12-04
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BlockFi Inc ()

On XX/XX/2022 XXXX XXXX I submitted a transaction to withdraw XXXX ( XXXX XXXX ). 
The Estimated delivery date was XX/XX/XXXX, XXXXXXXX XXXX The transaction is still pending and XXXX waiting way over the maximum sending time of 7 days. 

Nowhere in BlockFI terms is written that it is allowed for them to pause client withdrawals. 
Furthermore they guaranteed that " BlockFi shall not sell, transfer, loan, hypothecate or otherwise alienate cryptocurrency held in [ my ] BlockFi Wallet [ ... ] ''. Thats because they claimed in their Terms that " the title to the cryptocurrency held in your BlockFi Wallet shall at all times remain remain with [ me ] and shall not transfer to BlockFi. '' On XX/XX/2022 I contacted BlockFi and created a ticket concerning this matter. 
Until today I received no answer.
Consumer complaint received 2017-04-26
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. ()

In  XXXX  a company I work for in the United States sent me a  XXXX  dollars payment by check by mistake ( because I always request bank transfers, not che cks ) and  sent it to the wrong address in my country,  XXXX .     This check was cashed by an unknown person. The company that sent the check always told me that I was the who had to make the claim to the bank,  XXXX  Bank  XXXX ,  XXXX , and so I made several claims and attempts to solve this issue, but given my country of residence communication was not fluid and it was difficult to send the requested forms, which were rejected, so I could n't find a solution as time went by.     Last year (  XXXX   ) I  decided to contact  XXXX  bank once more and send new documentation and forms, unfortunately, this time JPGMorgan Chase Ba nk, N.A. d enied my claim to  XXXX  giving the following reason : " The statute of limitations or period for notice of a claim under either statute or your deposit agreement has expired. '' Despite the allegedly expiration of limitations, I feel that my claims were not taken seriously, especially since I do n't live in the  XXXX  and I ca n't file a claim in person, causing that my money, which represent an important sum to me, is still lost, and of course, banks are avoiding my claims.
Consumer complaint received 2022-12-04
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. (MS)

Conns XXXX XXXX reported a late payment on my account when I paid them back in XXXX I've paid them every month on time for the last 4 years and they reported late for XXXX.
Consumer complaint received 2021-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AmeriCollect (FL)

I am a XXXX XXXX female enrolled in the XXXX XXXX XXXX XXXXn. Under the plan I am only responsible for a daily XXXX charge of {$120.00} when I was admitted back in XX/XX/2021. The insurance plan paid for ALL services rendered in the XXXX but a bill for {$170.00} was sent to me for lab. tests. Under XXXX XXXX XXXX balance billing is NOT allowed! The creditor ; XXXX XXXX XXXX XXXX XXXX XXXX filed a notice with a collection agency to recover {$170.00}. 
Since this is a balance billing matter it is NOT allowed under XXXX XXXX rules.
Consumer complaint received 2021-10-02
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 — Their investigation did not fix an error on your report
Company: ALLY FINANCIAL INC. (NC)

XXXX IS STILL REPORTING A CHARGE OFF EVEN AFTER SENDING THEM A LETTER FROM THE REPORTING PARTY INDICATING THAT IT WAS AN ERROR. I HAVE MADE NO LESS THAN 4 ATTEMPTS TO GET THIS FIXED AND XXXX IS THE ONLY BUREAU THAT REFUSES TO CORRECT THEIR REPORTING.
Consumer complaint received 2022-09-23
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. (OH)

I recently obtained a copy of my credit report and you are currently reporting debt to my credit report and as allowed under the Fair Debt Collection Practices Act, I am requesting that you allow me to validate the alleged debt. Please provide me with a breakdown of all charges, dates of service and procedures given including fees associated. 

Additionally, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ), to protect my privacy and medical records from third parties. I do not recall giving permission for ( XXXX XXXX XXXX account numberXXXX ) to release my medical information to a third party I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patient 's authorization, therefore my request is twofold and as follows ; Validation of Debt and HIPPA Authorization - Please provide a breakdown of fees including any collection costs and medical charges -Provide a copy of my signature with the provider of service to release my medical information to you Cease any credit bureau reporting until debt has been validated by me Please send this information to my mailing address listed above and accept this letter as my formal debt validation request, which I am allowed under the FDCPA Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 

Additionally, and reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from your collection agency. I will await your reply with the above requested proof Per the standard, you have 30 days in which to respond to this request, or this debt will be considered invalid, and removal from the credit bureau 's expected or damages will be sought after. 

All accounts in dispute listed below.