davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (IL)

Chase bank closed my checking account and this has been a problem for me when it comes to my finical history. Chase told me that they closed my account based on the assumption of fraud and I have never participated in any fraudulent activities in my life. Chase refused to even tell me why they were closing my account. I went to the bank more then a dozen times speaking to supervisor and some of them mislead me. For example the supervisor told me to get a check report to see whats wrong with my account. I came back a week later to be told by one of the tellers that chase uses early warning not XXXX XXXX. Why would the supervisor lie to me like that. Chase has affected my standing with XXXX XXXX XXXX over these false claims. XXXX  XXXX XXXX has now banned me for life and Im scared. I tried opening an account with XXXX XXXX XXXX and as soon as I tried they banned me for life. This makes no sense to me and i do believe these practices are discriminatory torwards people of low income and poor education cause they dont know who to turn to when banks commit such acts.
Consumer complaint received 2019-07-03
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: WELLS FARGO & COMPANY (VA)

My Father Co-signed onto my student loans with Wells Fargo in XX/XX/XXXX, but was demoted with the IRS soon afterwards. My student loans went into repayment in XX/XX/XXXX and he was unable to assist me paying the loan, and I hadnt found a job out of college yet. We tried to consolidate and get a lower modified payment and they denied us both options siting high income between the both of us. I do not think they took into account we both have bills like vehicles and credit cards to pay off also. Plus my father accumulated legal fees fighting his demotion with the IRS. I believe Wells Fargo is denying us any reasonable payments to the student loans. I currently pay XXXX $ monthly on a XXXX $ a year income ( before taxes ) I have federal student loans also and a auto loan and credit cards. I need some relief on the XXXX before my credit is ruined.
Consumer complaint received 2019-07-03
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: SUNTRUST BANKS, INC. (CA)

My identity was stolen and several accounts were opened fraudulently under my name. My checking account was compromised and money was taken. Ive had to close and open new bank accounts. Ive requested that these accounts be removed from my credit report and I have been unable to have this request fulfilled. 

For example XXXX XXXX XXXX is reporting a account that is not mine on all 3 of my credit reports. 

For example I have disputed this with the credit reporting agencies and they advise that the creditor states the information is verified but neither the credit reporting agency or the creditor will provide any information other than saying they have verified the account. 

I have disputed this several times with the credit reporting agencies and have received no actual data to verify this or other accounts that were opened without my knowledge. Every dispute is closed stating the creditor verified the information but I receive absolutely no documents to prove this is my account. I will be suing soon.
Consumer complaint received 2021-11-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: U.S. BANCORP (WI)

I recently opened a checking account with US Bank. My first deposit was significant. I am accustomed to making online payments of bills through Bill Pay. On XX/XX/XXXX, I sent three online payments to two financial institutions to pay off credit cards. The date given for delivery was XX/XX/XXXX. As the funds were still in my account as of XX/XX/XXXX, I contacted the bank and found that they had for some reason sent checks to these financial institutions and the payments are hanging in limbo. The 800 clerk said she didn't know how they could be mailed as they had no address!!!! 

This is totally unacceptable. Payments to individuals could understandably be made by check but certainly not financial institutions. 

I am unable to find a phone number other than a general 800 number. Corporations should not be allowed to hide behind an 800 number! I deserve to talk to someone that can complete my transactions instead of having funds in limbo!
Consumer complaint received 2022-08-12
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Blockchain.com, Inc. (UT)

Someone on XXXX found me and told me about putting my money into Blockchain and getting a return from it. I proceeded to deposit I believe around {$3200.00}. They immediately took the money from the account and deleted all their information. I would like to get my money back. Thank you.
Consumer complaint received 2022-12-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Fidelity National Information Services, Inc. (FNIS) (TN)

Since XX/XX/XXXX, I tried to access my security freeze with check systems. Their online system refuses to accept the pin that they sent me by US mail letter dated XX/XX/XXXX. They're requiring an undue delay by not giving me a replacement PIN immediately and forcing me to wait on the US mail. I can not open an account with a new creditor because of this delay. And I may have to spend even more money and reapply to this creditor all over again because of this undue delay.
Consumer complaint received 2022-04-19
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Avid Acceptance, LLC (VA)

In XX/XX/XXXX I bought a car at XXXX XXXX XXXX XXXX XXXX XXXX. I made my monthly payments on time. Then XX/XX/XXXX, the car broke down on the side of the road. In a matter of three days, I had to pay a little over {$2800.00} to service and repair the car. I called Avid Acceptance, the financer, and explained that I would not have my car payment on XX/XX/XXXX because I used every cent I had to get the car working. They told me that they could not help me. I made the following payments : XXXX XX/XX/XXXX XX/XX/XXXX {$460.00} {$0.00} XXXX Completed XXXX XX/XX/XXXX XX/XX/XXXX {$420.00} {$0.00} XXXX Completed I had one scheduled on XX/XX/XXXX but was unable to make that one. Now, Avid Acceptance says that I need to make two payments. They are refusing to accept one payment on XX/XX/XXXX and another payment later. My new payment is due XX/XX/XXXX. They say because it is so close to the new payment they must have both. Is it legal for them to not accept my payment?
Consumer complaint received 2021-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HYUNDAI CAPITAL AMERICA (NY)

I turned in my XXXX XXXX lease in XXXX of XXXX. I made all my payments on time and never received any additional bills. I was recently notified by my credit monitoring agency that Hyundai was reporting negative information, claiming I owed them money and that I was late on a payment. I called and I was told I didn't owe anything and to just send a letter to their credit department to have it fixed. The credit department sent me a letter saying the information was accurate and they wouldn't fix it. I called again and this time I was told I did owe money. They never told me what I I owed for, but I paid it over the phone anyway. They told me the bill was sent to an old address in XXXX or XXXX. I had moved over a year prior, so the bill was never sent to me and my mail forwarding had ended. Hyundai had my new address. My current lease is through the same finance company and Hyundai has been sending me advertisements for their new vehicles. However, the bill was sent to the old address. They are continuing to report that I was late on my payment, even though I still have not received a bill. I filed a dispute again with their credit dispute department and they are just saying that the information is accurate as reported and that I was late on my bill. A bill that they acknowledge they sent to the wrong address over a year after I moved and over a year after I turned in the vehicle. They never gave me the opportunity to pay on time. I never received the bill. If they hadn't take over a year to send the bill, the post office would have forwarded it to my new address and I would have paid on time. If they sent the bill to the correct address, I would have paid on time. Can you assist me in dealing with Hyundai Motor Finance in order to fix the damaging information they have sent to the credit bureau?
Consumer complaint received 2021-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
Consumer complaint received 2021-11-11
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. (OH)

I sent an FTC Identity Theft Report Dispute to Equifax, XXXX XXXX XXXX requesting them to PHYSICALLY VERIFY & provide the " METHODS OF VERIFICATION '' for the disputed accounts via certified mail ( copy of letter & FTC ID Theft Report attached ) they were received by Equifax, XXXX XXXX XXXX on XX/XX/2021 & XX/XX/2021 respectively ( copies of Proof of Service attached ). As of today XX/XX/2021, I have received neither PROOF OF VERIFICATION, nor any METHODS OF VERIFICATION. These are violations of my rights under FCRA Section 611.
Consumer complaint received 2022-08-12
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: The Savings Group, Inc. (AZ)

I submitted my personal details to XXXX in order to pre-qualify for a new vehicle purchase. This was required as XXXX does not openly disclose its rates but instead submits borrower 's information to lenders to match them with an offer. 

Per XXXX XXXX own FAQ ( XXXX ) : " During the application, we do a soft pull on your credit that will not negatively affect your credit score. Only when you choose an offer to submit for lender approval, does XXXX run a hard pull against your credit which may affect your credit score. '' I also received an email confirming the same : " We run the numbers and find you our best rates and terms, all without affecting your credit score. '' Both the FAQ and email confirmation are attached. 

Despite this, XXXX immediately performed a hard pull on my credit, negatively affecting my score.A representative from XXXX ( XXXX XXXX ) called to discuss my application. I asked why a hard pull was made and he answered that they do so before sending applicants ' information to lenders so I can be matched with the best offer available to me, rather than individual lenders having to run a large number of separate pulls. 

I reiterate : I did not choose an offer for lender approval, and per the FAQ and confirmation email, a hard pull should only have been made AFTER I did so. 

This is a deceptive practice which has harmed my credit rating.
Consumer complaint received 2021-06-10
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. (DC)

Good Day! I am writing to you guys due to some Inquiries that are fraud and reporting on my credit report. I never authorized any of these companies to run my report. When I called them they didn't have any solutions for me and could not find my information anywhere so why are the credit bureaus reporting these items? Please have them investigate them and delete them from my credit report. I also filed Identity theft/fraud because I did not give them the authorization to run my credit you can see them found attached. Please have these removed asap. I tried contacting them and sending letters and nothing was solved.
Consumer complaint received 2021-11-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BARCLAYS BANK DELAWARE (GA)

BARCLAYS BANK DELAWARE account is all paid off and I never received a notice of collections or past due payments. I send notification by mail of my change address and never got a response. I would like the late payments to be removed from credit and the reported balance because the debt is paid off. This is a high interest rate credit card and I do not recommend it to anyone.
Consumer complaint received 2021-11-11
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: MIDFIRST BANK (TX)

I spoke with Midland Mortgage XX/XX/ on my loan modification with XXXX teller # XXXX for XXXX and they have offered me a modification of 3.125 % which should have lowered my payment but instead they raised it to XXXX My original payment at 4.75 was XXXX and they are unable to explain to me why the payment has gone up except to say they had to add XXXX into the cost of the loan for modification. They said per FHA regulations they can only finance it to XX/XX/. They aren't willing to talk or consider a lower payment. My payment is due XX/XX/ XXXX
Consumer complaint received 2022-04-19
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. (NY)

In accordance with The Fair Credit Reporter Act XXXX XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 8 states I have the right to privacy 15 U.S.C 1681 section 604 a section 2. I also state a consumer reporting agency can not furnish your account without my written instructions
Consumer complaint received 2021-11-11
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: DISCOVER BANK (FL)

I contacted Discover in regards to a debt that they stated I allegedly owed.This debt is currently being reporting on my XXXX credit report as a charge off. I requested for validation of the debt and they did not comply or validate this debt. They are also in violation of 15 USDC code 1681b permissible purpose of consumer reports. Under this law I never gave them written consent to report anything on my consumer report.
Consumer complaint received 2022-04-19
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. (NY)

In accordance with The Fair Credit Reporter Act XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 8 states I have the right to privacy 15 U.S.C 1681 section 604 a section 2. I also state a consumer reporting agency can not furnish your account without my written instructions
Consumer complaint received 2021-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FORD MOTOR CREDIT CO. (IL)

- Opened lease with Lincoln Automotive Financial in XX/XX/XXXX - Lease was 36 mos - Completed every single pmt on-time or early for 36 mos and returned car in excellent condition in XX/XX/XXXX. Over {$16000.00} in payments- Told of lease termination fee when car was returned in XX/XX/XXXX. However, dealer was unable to accept pmt ( despite my offer to pay ). Was told to check account stmt - Acct stmts never showed amount due after car was returned and stmts stopped being generated - Never received correspondence regarding any amount due to Lincoln - In XX/XX/XXXX, credit score decreased over 100 points from high 700s to mid 600s without any warning, notices, etc- Have never had a late pmt over 11 years of credit history including student loan, car leases, mortgage, multiple credit cards, etc- I looked into what caused the decline and it was due to Lincoln Automotive Financial charging off approx {$700.00}. Upon calling Lincoln, was informed it was due to a unpaid lease termination fee - Again, I never received any warning from Lincoln regarding the issue or potential for charge off - Charge off occurred 10 mos after lease termination - Upon becoming aware of the balance owed, I immediately paid the balance to 3rd party collector who was able to provide balance and online mechanism to pay - Credit score has still not recovered because Lincoln is reporting the account as " Paid, was a charge off '' despite their lack of communication or accessibility. Lincoln refuses to take responsibility for poor communication, payment accessibility, and consumer awareness - Clearly I had no issue making pmt given the pmt was made immediately once I became aware - Lincoln refuses to engage on the issue, despite my efforts- Currently trying to buy a house and this issue is creating meaningful friction
Consumer complaint received 2022-02-02
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: Self Financial Inc. (IL)

In XX/XX/2021 i asked for info on a late payment witch i clamed was never late. after finishing my tearms with them it was closed but a late payment is on my consumer reports hurting me from getting credit.in valation of my consumer rights.
Consumer complaint received 2021-11-11
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. (NJ)

My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.
Consumer complaint received 2021-10-20
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. (AL)

I am a victim of identity theft. And as a result, false and inaccurate information were posted on my credit report. The Federal Law requires you to delete ALL accounts and inquiries which resulted from Identity Theft within a maximum of 4 Business Days from the receipt of a Identity Theft Report in accordance to the Fair Credit Reporting Act Section 605 ( b ).

I HAVE ATTACHED HERE THE REQUIRED Identity Theft Report IN COMPLIANCE TO THE FAIR CREDIT REPORTING ACT SECTION 605 ( b )
Consumer complaint received 2022-12-25
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Direct Recovery Services, LLC (IN)

The following account is listed on my credit report and is being reported in violation of 15 U.S. code 1681, 1692 and 623 ( A ) ( 1 ) ( B ). XXXX XXXX XXXX XXXX This account was disputed directly with the creditor under 15 U.S. Code 1692 : 809 ( b ). Not only did the creditor ( collector ) Direct Recovery Services fail to comply, Also the required notice of dispute was not within 30 days of my dispute. section 623 ( a ) ( 1 ) ( B ) states that if a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing the notice of dispute. Accordingly, any reporting of this debt is a violation of 15 U.S. Code 1692 : 807 ( 8 ). 15 U.S. Code 1692 : 809 ( b ) requires a debt collector to provide written validation of the debt upon request by the consumer. During this time the agency must also " cease collection of the debt ''. if they do not comply within the time frame, any reporting of the debt thereafter is a violation of the law. Direct Recovery Services fail to comply with the law by not validating this alleged debt and they're still reporting it. Neither are they following the rules that were put in place to protect consumers.
Consumer complaint received 2021-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (DE)

This company has reported fraudulent information on my consumer report without my written consent, anything without permissible purposes is considered identity theft. I demand that this company remove this fraudulent information from my consumer report and from there internal data base.
Consumer complaint received 2022-10-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MSCB, Inc. (AR)

These accounts are not mine. The only one that I claim is the one I owe XXXX on. I have been making payments on this account and have never missed but perhaps a month or so. If you are going to send me a collection letter and place this account in collections, I will not pay another dime. I would like to request my money I have paid back. I have spent years building up an amazing credit score and I refuse to let you all ruin this for me. Do not call my house or place of employment. Do not write me. Do not email me. Take me off this collection list now. My lawyer for all matters is XXXX XXXX. XXXX and XXXX XXXX XXXX  in XXXX XXXX, Arkansas!