davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (SD)

A short summary of the situation - The chase customer service representative either misheard me over the phone or inputted the wrong number of points to transfer from my chase ultimate rewards account to my XXXX XXXX points account and they are refusing to put the difference back into my account. Please see the detailed description of events below. 

XX/XX/XXXX - On the phone with the customer service representative from Chase to transfer I requested a transfer from my Chase Ultimate Rewards with the amount of XXXX points to my XXXX XXXX Account ( Order # XXXX ). Upon the completion of the request, received the confirmation email stating the transfer of XXXX points was completed instead of the original requested amount of XXXX points. Immediately called the customer service department to report the error and the representative confirmed that the request will be elevated and the overage amount of XXXX pts would be reversed in 7-10 business days. 

XX/XX/XXXX - Received a letter stating the point redemption can not be reversed. 

XX/XX/XXXX - Contacted the customer service department to correct the issue and was confirmed the case would be elevated to the marketing department and the process would take 5 days. 

XX/XX/XXXX - After XXXX business days, contacted the customer service department to request a follow up on the case. XXXX acknowledged that the point redemption request was processed by the customer service representative and since the mistake was done at their end the point redemption reverse is possible with the call review. No wait time was given. 

XX/XX/XXXX - Received a letter stating the point redemption can not be reversed. 

XX/XX/XXXX - After 14 business days, contacted the customer service department to request a follow up on the case again. Different supervisor from the call on 9th noticed the previous supervisor requested for the phone review incorrectly, therefore resulting in refusal of the point redemption reverse. that there is nothing she could do at this time besides elevating the case to the marketing department again. The process would take 7-10 business days and the notice would follow. ( XXXX name : XXXX XXXX # XXXX )
Consumer complaint received 2021-07-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I have reviewed my credit report, and there is information that I feel is incorrect. This information has been on my credit for a long time, and it should not be there. Please investigate and verify the following information. If these accounts can not be verified please delete them. Also, delete the incorrect address in my report and I did not authorize these inquiries.
Consumer complaint received 2022-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

I applied for XXXX XXXX card. I do not have a phone. can not access mobile app. could not access on internet site. Written request to fix access. NO response. Written request to identify the company of a transaction was met with fraud investigation and reissue of account. was not notified of fraud investigation suspension of account and reissue of account. I had also requested a waiver of the yearly fee and an increase in credit line. Was denied. Asked the account not to be renewed. Accepted loss of yearly fee already paid -account was in good standing. The account was closed with a credit on the account. However, the Account was closed for a fraud investigation. I was not aware/notified of closure and reissue of account. Reoccurring charges were denied. Did not activate subsequent credit card received in the mail. Received a bill in the mail about three months later statement was from reissued account with all kinds of fees and interest. Also received a letter stating the account was under investigation - this is in XX/XX/2022. However, the company is already reporting negatively, and I recall seeing something about a charge off. This is against the company 's own policy. I also recall something about alleged provisional credit after the fact. I was never billed or notified. I requested closure of the original account that was ignored- while in good standing with a credit balance. However, the company closed the account for a fraud investigation initiated on its own accord. The company is reporting to credit bureaus, I requested closure when I never activated the account it is reporting on. These correspondences are by physical mail and complaints to regulating agencies. XXXX removed the monthly credit inquiries- and continues a report for a credit account I never accepted or activated. Regardless of whatever laws the company claims to be following- I had already stated before the company initiation of fraud investigation -I did not want to continue a relationship with the company. A new account was not warranted - accepted or activated. 

Credit reporting agencies are not providing the investigation information. the company has not proven that I accepted the account and/or activated the account. The reporting company has not provided the results of the latest fraud investigation- XX/XX/2022. The reporting of this alleged new account in accordance with federal law fraud investigation actions is premature, there is no interest, fees, collection and/or charge off warrented at this time.
Consumer complaint received 2021-07-07
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: SunTx Capital Partners (LA)

I do not know how they sold an 18 wheeler for {$5000.00} and resold the semi-truck at a higher value ; this truck has been nothing but a problem due to the truck being flooded and had electrical issues. I had requested a settlement payment to resolve the truck issues but was denied, and we worked out a deal in exchange for the location of the semi-truck. 

I had advised the company to do a volunteer repossession 2 years ago, and they are still reporting inaccurate information on the credit report and requesting a full loan balance. 

I want Freedom Truck Finance to stop reporting 120 days late on a repossession vehicle in which the debt had been settled and stop sending payment requests in which this was a volunteer agreement.
Consumer complaint received 2021-07-07
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: WELLS FARGO & COMPANY (NC)

Wells Fargo Auto, please refer to this complaint which has to do within your company. I have submitted a couple of complaints to the FTC and NC AG. I also called Wells Fargo Auto this day and was told about third deferment. 






Your complaints XXXX XXXX XXXX XXXX Loan Struggling to pay your loan WELLS FARGO XX/XX/2021 Open Sent to Company XXXX XXXX XXXX XXXX Loan Managing the loan or lease WELLS FARGO XX/XX/2021 Closed Company responded XXXX XXXX XXXX XXXX Title loan Loan payment wasn't credited to your account WELLS FARGO XX/XX/2021 Closed Company responded XXXX XXXX XXXX XXXX Title loan Vehicle was repossessed or sold the vehicle WELLS FARGO XX/XX/2021 Closed Feedback provided XXXX XXXX XXXX XXXX Loan Struggling to pay your loan WELLS FARGO XX/XX/2021 Closed Feedback provided XXXX XXXX XXXX XXXX Domestic ( US ) money transfer Fraud or scam XXXX XXXX XXXX XXXX XXXXXX/XX/2021 Closed Sent to Regulator FTC
Consumer complaint received 2021-07-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ideal Collection Services, Inc. (FL)

False information was submitted to collection agency of failed payment and items left facility was closed this was in beginning of pandemic know evidence that items trashed was mine my name was not attached to it also XXXX rent was satisfied and received by XXXX the original apartment walk through paperwork indicates all wrong with unit upon moving in please provide management turnover from time I originally moved in
Consumer complaint received 2022-09-27
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. (NC)

n accordance with the Fair Credit Reporting act XXXX  XXXX XXXX Finance Account # XXXX, XXXX XXXX XXXX Account # XXXX, and XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2020-10-12
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (NJ)

AFTER CAREFULLY REVIEWING MY CREDIT REPORT I FOUND ACCOUNTS THAT DOES NOT BELONG. THIS IS MY 3RD TIME WRITING AND DISPUTING THESE INACCURATE ACCOUNTS THAT IS HINDERING ME FROM DOING BETTER IN LIFE ...  DATES ARE XX/XX/20 XX/XX/20 XX/XX/20
Consumer complaint received 2022-09-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Choice Recovery, Inc. (OH)

I received a bill from XXXX XXXX XXXX for {$600.00} for Date of Service XXXX I forwarded the bill to my insurance company. My insurance company paid the bill on XXXX/XXXX/XXXX. 
A few months later, I noticed a derogatory mark on my credit report from Choice Recovery for the bill from XXXX XXXX XXXX, which had already been paid by my insurance company. 
I contacted XXXX XXXXXXXX XXXX and they verified that the bill had been paid and there was no balance due on my account. 
I called Choice Recovery, but my calls always went to voicemail. I left a message explaining that the bill had been paid and that I have proof of the payment, if they need it. 
I also filed a dispute with the credit bureaus and sent them proof of the payment. 
However, to date, Choice Recovery has refused to remove the inaccurate reporting of this account as delinquent from my credit reports.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: I.C. System, Inc. (SC)

ACCOUNT # XXXX These debts yall trying to collect Im not with it at all and them amounts yall saying I owe are way off. Dont waste your time sending me any proof Im not trying to see it. I know whats real and proof aint gon na change nothing. If you need to hit me up, do it by email only between XXXX XXXX  and XXXX XXXX XXXX. Dont send me no mail whether its USPS , XXXX XXXX XXXX or any courier and dont call me and voicemail either Its just a big inconvenience. ACCOUNT # XXXX and anything else you have wit my name on it. Just keeping it real.
Consumer complaint received 2020-10-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (OH)

After being the victim of identify theft, I took all of the steps recommended by IdentityTheft.gov including mailing the appropriate documentation of identify theft to ERC to the address listed on their collection notice for correspondence. The documentation was returned by the postal service as undeliverable. This seems clearly fraudulent if the only address provided for disputing the collections charge is undeliverable. I am including photos of the address provided by ERC on their collections notices as well as the same address returned by the postal service as undeliverable. 

I also called XXXX XXXX XXXX ( where the fraudulent charge was made ), explained the situation, and sent all required documentation to their fraud department. At their request I also filed a police report. 118 days later they have not responded and I am still receiving collection notices from ERC for this fraudulent charge. The correspondence address given on the form is still the same one that was previously returned as undeliverable.
Consumer complaint received 2022-10-11
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)

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts : Account name : XXXXXXXX XXXX XXXXXXXX XXXX Account # : XXXX Account name : XXXX XXXX Account # : XXXX Account name : XXXXXXXX XXXX Account # : XXXX Account name : XXXX XXXX XXXX Account # : XXXX Account name : XXXX XXXX XXXX Account # : XXXX Account name : - Account # : XXXX Account name : XXXXXXXX XXXX Account # : XXXX Account name : XXXX, XXXX. 
Account # : XXXX Account name : XXXX XXXX XXXX  Account # : XXXX Account name : XXXX Account # : XXXX
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: I.C. System, Inc. (SC)

ACCOUNT # XXXX These debts yall trying to collect Im not with it at all and them amounts yall saying I owe are way off. Dont waste your time sending me any proof Im not trying to see it. I know whats real and proof aint gon na change nothing. If you need to hit me up, do it by email only between XXXX XXXX and XXXXXXXX XXXX EST. Dont send me no mail whether its USPS XXXX XXXX XXXX XXXX or any courier and dont call me and voicemail either Its just a big inconvenience. ACCOUNT # XXXX and anything else you have wit my name on it. Just keeping it real.
Consumer complaint received 2024-08-23
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: GREENSKY OPERATIONS, LLC (OH)

I conducted business with XXXX XXXX for some home improvement projects and opted to take advantage of their XXXX interest alignment with Green Sky. I had made minimal payments on balance with full intent to pay off in full once I began to accrue interest. I am now being charged over XXXX in interest on a XXXX note that is in it's 13 month of a what I gather was a 12mo term. No issue on the whatever interest I presumed would be applied on the single month overage but they've tacked on over $ XXXX in fees which equates to nearly XXXX of the total balance/XXXX? How is this legal? I've spent time trying to decipher the monthly invoices and they intentionally make it confusing to comprehend - each bill would arrive with interest factored into monthly payment which shouldn't have been the case. Spoke with agent today who offered XXXX explanation, XXXX resolutions and little to no help.
Consumer complaint received 2022-10-11
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: PENTAGON FEDERAL CREDIT UNION (CA)

On XX/XX/2022 I was approved for a personal loan in the amount of {$20000.00} with XXXX credit XXXX called and spoke to XXXX to request a higher limit. He had to speak to his supervisor, who then told me that they would have to withdraw the loan and I would have to reapply. I had two concerns and asked them if that would put another hard inquiry on my credit report,, they said they could not answer that. The second concern was what the worst case scenario would be if I didn't get approved for a higher amount. They said it would go back to the original amount of {$20000.00} I took their guidance and re-applied. It was then denied. I called again to let them know what was going on. They could not reverse what was done. They are now sending me an adverse action letter, even though I was approved. This will now hinder my credit score as well. I was lied to and misled. I also lost out on a {$20000.00} banking relationship due to lies and negligence.
Consumer complaint received 2020-10-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NY)

I took a 3 month payment holiday on my 2 mortgages ( two separate properties ) with Wells Fargo. After I started repayments, they said they would move the missed payments ( really principal ) to the end of the mortgage as a balloon payment. I agreed to those terms. 

The problem is that my account history in my online banking portal shows that WF has added, not shifted, the principal to both mortgages. One phone rep told me the problem was with WF systems and internally WF has only shifted the principal. But that's not what my online banking account history shows. When I called WF customer service they were not helpful and finally sent me a letter telling me " We've determined the accounts were handled properly and no corrections are needed as no error has occured ''. The letter goes on to say that the balances have been treated correctly on my monthly statement. 

Its true that the monthly statement does break out the continuing and the deferred principal amounts but the problem is that the sum is still additive, not a deferral. 

I need help to force WF to show the deferred principal as a deferral, not an additional amount.
Consumer complaint received 2022-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MI)

I told the credit bureaus to investigate every piece of information on the accounts I have listed on the complaint. According to the FRCA the term " investigate consumer report '' or portion thereof in which information on a consumer 's character, general reputation, personal characteristics or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still reporting 100 % accurate and according to the FRCA 15 USC 1681 everything has to be 100 % accurate. I have the credit report showing the inaccuracies. 

Accounts : XXXXXXXX XXXX XXXX  Account Number:XXXX XXXXXXXX XXXX XXXX  Account XXXXXXXX XXXX Account Number : XXXXXXXX XXXX  Account Number : XXXX, XXXXXXXX XXXX XXXXXXXX Account Number : XXXX, XXXX XXXX XXXX  Account Number : XXXX, XXXXXXXX XXXX Account Number : XXXXXXXX XXXX  Account Number : XXXX, XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXXt XXXX XXXX XXXX # XXXXXXXX XXXX XXXX # XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account # XXXX
Consumer complaint received 2024-09-09
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

Received a phone message from XXXX about a case number XXXX and asked to call back immediately to " the issuing agent '' at XXXX. 
The message said there were documents regarding my file being prepared to be sent out and needed to be available to sign for the documents. They called 2 other people in my family with the same message. 
Upon returning the call, the lady said she could give me a brief synopsis and it was concerning a Capital One debt ( that has already been satisfied years ago ). The caller had my social security number. Once I said I wasn't sure about the validity of this information, the lady said she wasn't there to discuss that and hung up on me. 
Makes me nervous due to the fact she actually had my social security number.
Consumer complaint received 2022-02-08
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (MI)

I have made between 11 and 12 years of payments on this loan. Yesterday, my cosigner was advised in that many years, less than {$1000.00} has come off of the principle of the loan. The loan was originally {$8000.00}. Yesterday, my cosigner was told I still owe them {$7400.00}. I feel like I am dealing with a loan shark. 
I don't even make {$40000.00} a year and give them what I can. I tried to get the cosigner removed and since I didn't make any payments the first year of the pandemic, and not being told that loan didn't qualify for no payments, they have marked my credit report in a negative way. I am happy to send a copy of the ledger of my payments. I will provide any identifying information you need to investigate this situation. 
This is holding up a mortgage loan for my cosigner. In fact, AES made him pay them {$150.00} yesterday! I have paid them over {$250.00} since XX/XX/XXXX because I borrowed money from my sister to be able to do so. Again, I make less than {$40000.00} per year, and my husband is XXXX and on Social Security. The way this is going, I will end up paying on an {$8000.00} loan longer than I will pay for my mortgage ( 15 years ). 

I have made the payments, and more than requested for a number of years. At the time when I could pay more money, I talked to someone at AES, on a recorded line, to ensure me that the extra money would go towards the principle. They agreed, yet evidently that was not the case. 

I also have federal student loans that I have not been able to pay on because I have been paying AES all these years. The interest rates on the student loans, most of which are from XXXX, I think I have around {$200000.00} of federal student loan debt that is at least 50 % interest. I am wondering if any of that will be included in the forgiveness/Navient settlement. I have received a XXXX of XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I actually make less income now than I did when receiving the degree in XXXX. 

I was not able to complete my Doctorate because the school told me I was out of loan opportunities since I was not a clinical student. I was at the point of my dissertation when advised I had no more loan money to complete the degree. that was after being advised that I should not have any financial issues with being able to complete the doctorate.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Capital one has listed an open credit card on all my credit reports. I filed disputes with all credit monitoring agencies and Capital one says the information is accurate despite it actually being a fraud account. I never opened any capital one account in XX/XX/year>. Capital one won't answer the phone or the wait times are excessive. None of the credit bureaus seem to want to help either.