davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-27
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: FORD MOTOR CREDIT CO. (MI)

In 2020, I returned my car lease for Ford Motor Co. XXXX XXXX dealership agreed to pay any overage charges. After several months, I started to receive collection calls stating I owed Ford over {$500.00}. I immediately called the dealership. They agreed to pay Ford as they originally stated. However when they told us they would pay, they did not. I kept getting calls. Eventually XXXX XXXX made good on their word and paid the debt with an overnight cashiers check. This still ended up impacting my credit. 
Ford started by telling me they didnt see how my credit had any delinquencies shown by them though I provided evidence to them. I resubmitted that same evidence again and finally they agreed to support my request for help. 
I asked XXXX to correct this debt on my credit as well. They ended up contacting Ford on my behalf, admitting their fault and stated it was not my debt. Ford issued me a letter admitting fault as well and issued a letter to the credit reporting agencies. I have also personally disputed this charge off with XXXX XXXX approximately 4x. Always suppling evidence. I have also re asked Ford to again request the removal. I am desperate to have this removed my credit. It is seriously impacting my score. This debt was never mine. I have made several attempts with Ford and XXXX XXXX. Please help.
Consumer complaint received 2016-12-15
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (OH)

A few years ago I was fooled into attending online classes from XXXX university. The classes were worthless and the credits were not able to be transferred to a local university I decided to transfer my degree to. I was under the impression that my loans were all federal, and all through XXXX. I recently had to file bankrupcty and I was aware that my federal student loans were not going to be discharged, and after I received my discharge papers I sat down to go through the mess of student loans. Now all my loans seem to be serviced by navient, including XXXX loan in particular that is a private loan for XXXX university. This loan in particular is listed as a private student loan from XXXX university. There was a lawsuit against the original servicing company and I have already filed for bankruptcy personally. I have spoken with representatives from navient and have repeatedly requested the promissory notes and loan documents but they refuse to provide them. They simply state they have my social security number and am liable for the debt. I was rather naive regarding attending XXXX university and at the time they had all the bells and whistles that made it look like they were going to be a fair and advantageous school to attend. I was sadly mistaken.
Consumer complaint received 2019-12-06
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: JPMORGAN CHASE & CO. (FL)

XXXX  XXXX XXXX inquiry on XX/XX/XXXX JP Morgan Chase card services inquiry on XX/XX/XXXX XXXX XXXX inquiry on XX/XX/XXXX XXXX
Consumer complaint received 2022-02-27
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 disputed the information with Equifax over 30 days ago. I also disputed with XXXX and the information was not able to be verified and was removed and update. Equifax fail to do the same. I am attaching my XXXX report. Please have Equifax to update the records to reflect the accurate information that XXXX has within 30 days.
Consumer complaint received 2022-02-27
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. (FL)

After recently reviewing my credit report, I noticed unauthorized credit inquiries. I did NOT authorize the following inquiries listed below. These were not obtained with my consent. Please delete immediately. 
XXXX / XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX the XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX  on XX/XX/XXXX and XX/XX/XXXXXXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX  on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX  on XX/XX/XXXX XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX XXXX  on XX/XX/XXXX XXXX of XXXX on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX  on XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX XXXX XXXX  on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX
Consumer complaint received 2016-08-04
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: eMoneyUSA Holdings, LLC (WI)

I took out the loan, but later added it to my XXXX consolidation, and they refuse to quit contacting me. The XXXX company has contacted them numerous times as well, with my power of attorney papers and they still contact me several times a day from many different numbers. EMONEY USa ... never use them
Consumer complaint received 2022-11-22
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. (SC)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX CT XXXX XXXX, SC XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX
Consumer complaint received 2016-10-18
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

This is a complaint against Capital One SAKS FIFTH AVENUE MASTER CARD ; Credit Card. I am a victim of identity theft and this credit card does n't belong to me and and was opened without my authorization. Through the law I have the police report which i will attach with this complaint. So you have the immediate elimination.
Consumer complaint received 2022-02-27
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. (VA)

I have been writing to the credit reporting company for about a year now trying to get this XXXX XXXX account remove from my account as fraud. I have requested that they send me proof that this account is not fraud and as of today I still dont have antthing from they. I was this remove from my account. They removed the credit inquiry but not the account. I have disputed this with XXXX at least XXXX other times with no response
Consumer complaint received 2022-02-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Ria Envia, LLC (ME)

The XXXX manager of XXXX maine by the name of XXXX has flagged me for money laundering, I was completely honest about my intentions regarding the XXXX to XXXX money transaction. My vehicle has broken down & it is winter. I need to have transportation to get to work & was borrowing money from my brother in Indiana to fix my vehicle & was denied service. I believe the employee 's & manager were hungry as everyone I talked with complained openly about going to lunch & seemed to judging me based on my appearance. The date of the incident XXXX 2022 & the time of the incident was between XXXX & XXXX. Thank you sincerely.
Consumer complaint received 2016-08-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ENCORE CAPITAL GROUP INC. (NY)

I was contacted by company called XXXX XXXX XXXX back in 2011. I know this was a long time ago but I have been fighting this with their client. Apparently, XXXX was collecting on a debt for Asset Acceptance LLC located at XXXX. XXXX XXXX XXXX, NY XXXX. I believe XXXX, now known as XXXX XXXX XXXX filed to meet their minimum standards to protect customer data or / and prevent identity theft. I have XXXX pages of correspondence an I have contacted the XXXX. No Response. believe someone, opened an account in my name and it was finally taken off the credit reports, but they should have used third party confirmation or other means to safeguard customers.
Consumer complaint received 2017-02-08
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (PA)

I acquired a student loan for XXXX XXXX XXXX between XXXX. This loan " required a cosigner '' to which I was able to provide ( a boyfriends father ). The loan was set up on a 15yr repayment at a substantially higher interest rate than that of my other student loans ( it was variable so it did change but never lower than the XXXX 6 % ) for a student loan with a minimum monthly payment of {$50.00}. The loan was paid off but in XX/XX/XXXX I enlisted in the military and was told that my loan did not qualify for the XXXX reduced interest rate because it was not a Federally funded loan. However, my credit card and XXXX other loan with XXXX was approved for the reduced interest rate. I believe that it was not done my policy and I should be compensated for the incorrectly charged interest on this loan. Also I was told on several occasions that I was not eligible to release my cosigner even though I has a sufficient credit rating.
Consumer complaint received 2022-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NV)

Dear Consumer Financial Protection Bureau, Thank you for providing this service. I am unable to get Equifax to unfreeze my credit report that I froze on XX/XX/XXXX. 

I tried to have to the freeze removed on XX/XX/XXXX, but the request was not fulfilled. 

I tried again by raising a CFPB complaint on XX/XX/XXXX. I attached documentation including my electric bill, drivers license front and back, letter confirming my residency from my apartment manager, the credit freeze reference number provided by Equifax when I froze the report. However, not only was the freeze not removed, but there was no clear indication why. 

I can only assume that Equifax wants more information. In my new complaint, I have included : my electric bill, drivers license front and back, letter confirming my residency from my apartment manager, the credit freeze reference number, plus my social security card and a bank statement from my new checking account. 

I successfully removed the credit freezes I placed on my Trans-union and Experian accounts by providing the freeze references on XX/XX/XXXX. 

" God grant me the serenity to accept the things I can not change ; courage to change the things I can ; and wisdom to know the difference. '' Kind Regards
Consumer complaint received 2022-11-22
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. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXX XXXX XXXX Balance : {$370.00} ; XXXX  XXXX XXXX Balance : {$800.00}
Consumer complaint received 2022-02-27
Product: Student loan — Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: SLM CORPORATION (NY)

Dear Sir or Madam, This letter is in reference to my student loan with Sallie Mae. The account number is # XXXX In 2018 a late payment was placed on my account. Due to unexpected unemployment and hardship I wasnt able to make the payment. I applied to put the account on a forbearance program which I was approved for. To start the program a payment had to be made the problem is that the payment was attempted to come out the wrong bank. The payment was never made so the account wasnt placed on the hardship plan and the late payment was placed. While I normally make every effort to pay my debts and fulfill my responsibilities, in this instance I was, unfortunately, unable to do so due to the misunderstanding. The account has been open for 7 years and 6 months now, that late payment is the one and only one I have ever gotten. I would very much appreciate it if you would remove that 1 payment delinquency from my credit report, as I've been building my credit over the past 6 years. 

I am writing today because my mother who is my cosigner is trying to buy a home and is having difficulties with lenders seeing a derogatory mark due to having missed payments on this account. I am also facing difficulties even though my score is now 700+ Im being denied with the reason being delinquency from this late payment. Given the date, the misunderstanding for which caused this, and overall positive payment history, I am kindly requesting your agency to consider removing the derogatory missed payment as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my mother and me. 

Thank you so much, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY, XXXX XXXX
Consumer complaint received 2022-02-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (ME)

My Interest Savings Balance is not correct : based on my regular purchases, the monthly due for my XXXX XXXX XXXX purchases, the monthly due for my Special Financing purchases, and my minimum 1 % of my total balance, my Interest Savings Balance should be {$300.00}, not the {$1000.00} Chase has assessed. See attached documentation for details/explanations.
Consumer complaint received 2022-02-27
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Grain Technology, Inc. (VA)

This is the second time I've had this problem, the first was On XX/XX/2021 I filed a complaint with the CFPB regarding my account with Grain. Not only were they NOT providing a way for me to make a Payment on my account due to their ACH functionality not been available. Now again I'm experiencing yet again the same issue. I'm unable to submit a payment online. I even contacted Grain via support email and asked them can they send me a bill via Mail so i could just mail it in and they informed me for some reason they weren't able to. So I couldn't pay online/App, they couldn't mail me a bill statement, but yet they report my account 30 Days late on XXXX XXXX and now my Credit Report has been single handedly destroyed and holding me back from acquiring future credit and moving forward in Life. I want ALL OF THIS LATE PAYMENT REMOVED IMMEDIATELY!!!! AND GIVING AN EFFICIENT WAY TO PAY MY BILL!!!!
Consumer complaint received 2016-09-12
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: IMPAC MORTGAGE HOLDINGS, INC. (CA)

Called mortgage broker XXXX XXXX @ Impac Mortgage XXXX/XXXX/16 & requested he re-establish my escrow acct. He said he would. Called Cashcall XXXX/XXXX/16 XXXX am. Spoke to XXXX. She said she would set up escrow acct & have insurance agent send her the bill. Called Cashcall again on XXXX/XXXX/16 & spoke to XXXX. He apologized for XXXX not setting up escrow acct & said he would set it up & would expedite it thru his manager. Escrow acct still not set up.
Consumer complaint received 2016-12-05
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I have disputed this account several times with Capital One. I have informed them that this account was a result of identity theft. I sent Capital One a Fraud Affidavit and they still have not remove this account from my credit file. They are in violation of the FCRA by not removing this account from my credit file.
Consumer complaint received 2020-03-03
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 — Their investigation did not fix an error on your report
Company: ALLY FINANCIAL INC. (GA)

I recently submitted a dispute with XXXX  that the Statue of Limitation has expired with Ally Financial. I received my results today XX/XX/XXXX that the account has been updated. Ally Financial had previous negative reporting on my credit report that is now in good standing as a closed account but has multiple errors. The status of limitation has expired for this account. The account was open on XX/XX/XXXX and reported closed on XX/XX/XXXX. However, the date of the first date of delinquency was in XXXX and it is a negative closed account. Most negative information can only stay on your credit report for a maximum of seven years. However, this is a negative and old closed account. The credit reporting limit for negative reporting is 7 years. If I dispute an account online I do not get information reported from the credit bureaus stating the reason the account has been updated or the reason for the disagreement. Because I can not come to a resolution, I submitted a complaint to fix the errors that has been made.
Consumer complaint received 2022-02-27
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 fair credit reporting Act XXXX XXXX XXXXXXXX XXXX with account number XXXX has violated my right to privacy. 15USC 1681 Section 602A State that I have a right to privacy. 15USC 1681 Section 604A Section 2. Also state a person or consumer reporting agency can not furnish an account without a written instructions.
Consumer complaint received 2019-12-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (GA)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX  or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Consumer complaint received 2016-11-21
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

On XXXX/XXXX/16 Capital One agreed to settle my credit card account for {$800.00}. The {$800.00} was paid through my spouses bank account on XXXX/XXXX/16, which cleared the bank on XXXX/XXXX/16. On XXXX/XXXX/16 Capital One took {$75.00} from my bank account with no authorization to do so, the account was settled. I called in on XXXX/XXXX/16 to advise that an unauthorized payment was taken out of my bank acxount and the account with Capital One was settled out on XXXX/XXXX/16. I requested the funds be credited back that same day. The manager advised that it would take 15 days to be credited. 15-days expired on XXXX/XXXX/16 and as of today XXXX/XXXX/16 the funds have not been credited back to my bank account. I need assistance and I want to make sure this does not happen to other people.
Consumer complaint received 2016-02-24
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO. (CA)

My mother past away. I reported her death to Chase bank & ensured her dept was paid in full. Chase then issue a refund on the account due to her rewards points. They will not speak to me on the account, nor will they issue a refund check. Yet I can see her closed account was a credit balance. I understand if you ca n't get me that money, however I want Chase 's business practices audited. They are even supplying the wrong phone number for return contact on their secure email communications through Chase.com. How bad do they have to get before the government intervenes?
Consumer complaint received 2022-02-27
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: ALLY FINANCIAL INC. (MD)

Hello there what is going on is I had my car repoed due to loss of work because of XXXX XXXX. I was told the balance on my account was XXXX they added an additional XXXX also couldnt refund my account back XXXX for a key they said I never gave them at the time I picked up my belongings I handed the key to the gentleman at the gate. I called Ally the day my car was auctioned on XX/XX/22 they said that they charged XXXX dollars for a key that I already had handed them in person at XXXX XXXX XXXX they should have corrected it the first time I meant Ally Auto XXXX so the credit bureaus can correct it on their end too.Also the balance is supposed to be XXXX as the correct balance of whats owed to XXXX XXXX XXXX and not XXXX0 Im waiting til Ally corrects that too with Credit Bureaus it should been XXXX subtracted by XXXX the auction balance of car which is XXXX to be corrected by Ally