davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-27
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (NY)

Hello, I ordered a set of aligners from XXXX in XXXX of 2022 for {$1900.00}, which I received. As part of the purchase, XXXX offered a lifetime guarantee to give its customers a smile they are happy about. I had started the program with the idea of some small corrections to my upper teeth and minimal changes to my lower teeth. My teeth did not move in the way they were intended to by XXXX, and my XXXX XXXX XXXX XXXX XXXX and my upper teeth have not had the small issues fixed. The treatment worked great for the first month or so and I ordered a set of retainers for when I was done with my treatment. However, after some more time passed and my teeth were no longer moving as expected, I sent in a touch-up request to XXXX to XXXX another set of aligners to move my teeth the way they were intended to. The retainers I received did not fit my new smile, and the company was supposed to correct the {$190.00} charge but did not do so. 

XXXX sent me another set of aligners for the touch-up request, and I had a similar issue to last time. I sent in another touch-up request and XXXX sent me a set of aligners that did not my teeth at all due to an error from their end. They sent another set that fit my teeth better, but my teeth yet again did not move as expected. After bringing this to the attention of their customer service team, they denied another touch-up request and said I had met my results. This was despite my XXXX XXXX XXXX now vs not crooked when we started. After some back and forth with customer service, they told me to order another set of retainers to guarantee I maintain my lifetime guarantee. I ordered the retainers ( {$170.00} ), and they did not fit my teeth. 

After this, I sent in another touch-up request explaining the issue, and they approved it. I was supposed to receive the new set of aligners this week or next week, but the company has now ceased operations and cancelled all deliveries. The merchant has cancelled the agreement unilaterally due to financial and operational challenges. 

I filed this dispute because XXXX did not hold up their end of the agreement of providing the goods and services to improve my smile. They made my smile worse and now have left no way of continuing treatment / restitution. I have included the last contact I received from the company and PDF of their website here with information on the go-forward plan for XXXX. 

Chase investigated the dispute and the charges remain on my account. 

Best, XXXX
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO. (CA)

GAVE NOTICE ON XX/XX/2023 AFTER NO RESPONSE A FOLLOW UP LETTER WAS SENT XX/XX/2023 DEMANDING COMPANY TO CEASE AND DESIST FROM COMMUNICATING AND REPORTING OF INACCURATE, FALSE AND MISLEADING INFORMATION ABOUT ME AS IT RELATES TO LATE PAYMENTS ANDAMOUNT OWED OF ALLEGED DEBT AND INACCURATE REPORTING OF LATE PAYMENT ( S ) TO CREDIT REPORTING AGENCIES PURSUANT TO 15 U.S. CODE 1681b2. ALSO REQUESTED THAT SAID COMPANY VALIDATE ALLEGED DEBT. AS OF DATE COMPANY HAS REFUSED TO COMPLY WITH REQUEST / DEMAND
Consumer complaint received 2023-12-27
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Paradigm Assets, LLC (CO)

On XX/XX/2023 I was contacted by XXXX and XXXX XXXX with harassing calls about a debt I told them I wouldn't talk to them anymore and had to send it to me in writing they sent me a letter dated XX/XX/XXXX and I immediately replied to them asking for validation of the debt a copy of the signature and payment history to date I never received anything from them. On XX/XX/XXXX of XXXX I received a letter from XXXX XXXX XXXX XXXX Acknowledging a receipt of my letter disputing the account and requesting additional information, I responded to them on XX/XX/XXXX requesting the same information the original purchase agreement payment history and the application with the wet signature to date I never received anything from them. Approximately XX/XX/XXXX of XXXX they filed a negative collection on my credit report which I disputed three times and they validated it three times. 
On XX/XX/2023 I received a carbon copy of the XX/XX/XXXX letter stating that they were in receipt of my request for verification pursuant to 15 USC 1692 g of the fair debt collection practice act however they still did not provide any documentation but only a summary of the debt. 
On XX/XX/2023 I received a letter from the law firm XXXX and XXXX XXXX claiming they were collecting for XXXX XXXX XXXX XXXX by filing a lawsuit in XXXX XXXX Colorado I immediately contacted the firm disputed the account and within 30 days they sent me validation of the debt but not the wet application they also upon my request filed a motion to administratively close the lawsuit. I've made multiple attempts to settle and have gotten nowhere to this point excet for the violations of my rights number one with them filing the information back in early XXXX or late XXXX on my credit report which has been injurious to my credit history and filing a lawsuit without the validation neither XXXX XXXX XXXX XXXX, Paradigm or Suttell and Hammer PC filed an answer within a reasonable. Time without taking further action and violation of my rights I further learned that paradigm asset recovery did not renew their collection license in Colorado which expired in XXXX of XXXX yet they continued and filed a lawsuit on XX/XX/XXXX through their attorney XXXX and XXXX XXXX I followed all the procedures of the fare credit reporting act and disputing the account and asking for validation and expecting an answer within 30 days which was never received I disputed the errors on the credit report and they were validated by a collection agency that's no longer licensed in my state they filed a lawsuit on a disputed account without providing the validation even though they later made a motion to administratively closed still violating my rights. And in addition I've been irreparably harmed by credit decisions from other creditors in reducing, closing or modifying credit terms because of the disputed account on the credit report which wasn't validated until late XXXX.
Consumer complaint received 2015-08-18
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: Paypal Holdings, Inc (NY)

Today I received a bill in the US mail from PayPal Credit for {$120.00}. The following events happened between XXXX and XXXX today. 
XXXX representatives from PayPal confirmed that my Social Security Number, Date of Birth and order of my first and last name did not match their records. 
The first representative verified me with the account number, balance and last charges. This took XXXX minutes to get to this point. That representative confirmed that the charge was from {$25.00} charge for a service I intended to pay on my credit card. PayPal opened and billed a line of credit for instead of using the credit card I had registered on the account. I had to hold for an unspecified period to be connected with some XXXX in PayPal collections, as apparently the phone number on their written bill is different than the XXXX they use for collections. I had to go to an appointment, so I could not hold. 
I called back and had the same issues with verification. I was put through to the collections department, who was willing to accept payment on the account, but no handle my dispute of the fees ( XXXX times the principal ), because they could not verify my identity. 
They even took my credit card number. A less sophisticated consumer may have given up and paid the bill to clean up their credit and avoid the hassle. 
I asked for supervisor XXXX times. The representative continued to explain why a supervisor could not help me. I then had to resort to shouting down the representative on the hope that either he would hangup or get me to the supervisor. 
The supervisor took the payment and credited the account. He waived the fees. It was interesting that he was able to verify me with the date of birth no one else, including XXXX tries on the automated system could verify. 
How can can a company open an account with a wrong social security number, phone number, possible date of birth and email address? 
How can you charge some XXXX fees on such a loan when that entity lacks sufficient information to identify the person they are loaning money to. How can you be willing to accept payment on an account, but then not properly service the account? The supervisor did not seem concerned with this, which indicates the corporation condones this conduct. 
He, however, was concerned that I had to shout down the rep the speak with the supervisor. 
That being said I felt treated unfairly and harassed by the whole process. The need to shout and argue my way to a supervisor. 
They only use first names. The XXXX representative and the supervisor, both identified themselves with the same first name. The other first names were generic. If this was a litigated matter PayPal could use my inability to properly identify the exact staff members as a weakness in my claim. 
To the best of my recollection only the supervisor advised me that this was an attempt to collect by a debt collector and that any information discussed would be used for that purpose.
Consumer complaint received 2023-12-27
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAINE & WEINER COMPANY, INC. (IN)

On XX/XX/23, got called by them, and the CSR was very rude. Would not identify themselves when asked. THEY finally hung up. I had to call back and speak with someone else. At THAT time, my return call, I requested any and all further communication be via mail. No phone calls, emails, texts, etc. The only communication requested was via postal mail ( USPS ), to which the CSR on the line seemed to have ignored my request and also started getting irritated. 

Today, on XX/XX/23, I get ANOTHER phone call from them, in violation of my previous request to limit correspondence to ONLY mail ( USPS ), and which no other form of communication would be acceptable. 

I have included screenshots of the calls received, showing their calls on XX/XX/23, and again today, XX/XX/23. 


I want to report this to any and all offices that this matter concerns. I will not let this go. This business is operating in violation of this, and Im sure many other areas as well, and needs to be looked into.
Consumer complaint received 2023-12-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (CA)

My three individual student loans were transferred from XXXX XXXX  to Nelnet in 2023 prior to payment resumption from the pandemic. I have been trying to get information on the process to pay off one of the three loans and information on whether the monthly payment will be reduced accordingly after I do so. 

I have emailed them 5 times requesting a return contact with NO reply. I have also called them multiple times and were told the hold times were running over an hour so I requested a call back and all three times I never received the promised call back, including today when I called and was told I would get a call back in 40 minutes. That was an hour and a half ago. 

Since I have had essentially no experience with them since they took over the loans I am reluctant to send them {$16000.00} without knowing the process, how the payment would be credited, etc. They seem completely incompetent.
Consumer complaint received 2023-12-27
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (FL)

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Have been trying to use amex gift card no sites take it but when I call Amex they say card is active, I have a gift card for {$100.00}
Consumer complaint received 2023-12-27
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: SANTANDER HOLDINGS USA, INC. (SC)

Santander Consumer USA Inc. reposessed my car XX/XX/2023. I was unaware that a payment was sent back by my bank. They did not call me to inform me or give me a chance to make a payment. Their response was there is note that says " do not call ''. That was false. I also have call logs that prove after repossession they called me offering me to pay XXXX to remove the XXXX balance from my credit report after they already sold the vehicle. I was only two months behind on payments when they repossesed my car. This account is preventing me from obtaining a new car loan. I have been without a car since then which is causing hardship. A representative told me that if I made payments it would not lower my balance on my credit report, which was false. I agreed to pay XXXX to settle the account and made the {$100.00} payment to them. I asked for an agreement in writing and they refused to send and never sent the letter agreeing to the terms. I am a victim of Santander Consumer USA Inc. credit reporting violations in connection with its auto loans like the others listed in the recent lawsuits.
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (IN)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (VA)

My credit report has been mixed with someone elses. Her name and my name are similar, as are our SSNs. I know the above information because all of her personal information was on my credit report, mixed with some of my own information. Disputes were filed on my behalf beginning in XX/XX/XXXX. Disputed would be resolved without the incorrect information being removed from my account ; XX/XX/XXXX a copy of all information required by Experian for personal identity verification was sent via certified mail to Experian. Incorrect information remains on credit report. As well, many of my accounts and loans are missing from my credit report. After multiple attempts to get this fixed by all channels available to me, Experian has been no help and only tells me to file another dispute.
Consumer complaint received 2017-03-02
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: Bread Financial Holdings, Inc. (MO)

I have requested a credit limit increase last month and never received any documentation regarding the decision. I called today to figure out why I havent been notified. I was transferred around at least 4 times before getting an answer. The representative stated the letters was never pushed through per recorded phone call. He stated I have a technicality as to why nothing has happened. He gave me a hint and stated the reason I have not got a credit limit increase is because of my Identity Theft Alert on my credit that is placed for 90 days. Even though i still should of been notified. I was then put back in the que and got a Manager on Duty XXXX. I explained to her that there is a Identity alert and the protocol is to call me at the number on file before granting credit to verify it is me. I have not been ntofied and Victoria secret is not following proper protocols regarding limit increases and I will take this matter to legal if needed. Victoria secret is lying about the letters that was supposed to be sent out. If legal action is taken, the post office can confirm nothing was handled by them to get delivered to my address.
Consumer complaint received 2016-09-29
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MI)

USAA ( loan officer XXXX XXXX ) pre-approved me for a {$410000.00} mortgage loan in XXXX 2016. I searched for a home and found XXXX. In XXXX 2016, USAA approved me for a mortgage of {$160000.00}, but the home purchase fell through due to damage exposed in the home inspection. In XXXX, since the previous pre-qualification had expired, USAA again ( though this time, through a supervisor, XXXX XXXX XXXX pre-approved me for a mortgage of {$410000.00}. I was unable to find a house, and approximately 90 days later on XXXX XXXX, 2016 USAA ( through XXXX XXXX ) approved me for a mortgage of {$410000.00}. For each mortgage pre-approval ( and for the approved mortgage ), I disclosed that 100 % of my income for the past 6 years was earned abroad and that I have not yet filed XXXX tax returns on this income. I completed a full credit report and XXXX hour interview, which USAA recorded. After I made a contract on a home on XXXX XXXX, USAA suddenly declared that it would be unable to issue a mortgage for {$160000.00} since all of my income was earned abroad. This should not have been - and indeed was not - news to them. The previous pre-qualifications were based on my foreign-earned income. I was referred from XXXX customer service office to the next, from XXXX supervisor to the next. USAA offered to put my parents on the loan to help resolve the problem ( without clarifying that this would also put them on the title, until later ). USAA rarely returned my calls until finally, on XXXX XXXX I was referred to their " executive resolutions team. '' The agent told me to provide proof of filing XXXX tax returns, and I told him to " not cancel my application '' and that I would provide him proof in 2 days, as I had a CPA meeting on the XXXX. On XXXX XXXX, USAA overnighted a mortgage application for me to sign and return by XXXX XXXX, 2016. They sent the same package to my parents and both packages contained confidential information related to me that USAA was not permitted to disclose. What 's more, the application was riddled with errors and could not be signed in the state that it was sent. I emailed USAA on XXXX XXXX asking what to do with the application. USAA then informed me that I " no longer had any applications with USAA '', since the application had been cancelled on XXXX XXXX. In response to my inquiry, USAA explained that the application had been overnighted on the evening of the following day in error. I was referred to the CEO 's resolution team, and then to the business resolution team, and no one has managed to resolve this. Now, my closing date has been cancelled and I am looking for another lender. 
This experience has been a hardship for me and my family.
Consumer complaint received 2016-05-25
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Byrider Franchising, LLC (NC)

I finance my vehicle with CNAC in XXXX XXXX and have made my monthly payments on time, as reflected on my credit reports, since Day one. 
Starting in or around XXXX XXXX, my account representative was changed over to XXXX XXXX. Since the time he received my account, he began calling me days prior to my due date asking if I was going to make my payment. even after I confirmed that my payment would be made on the due date, he continued calling repeatedly asking the same question until the date of the payment. There would be days where he would call me multiple times and leave multiple messages. In XXXX and XXXX, XXXX XXXX made hard inquiries on my credit reports without my consent. He continued harassing me all through XXXX XXXX. In XXXX, he sent another employee to my residence demanding payment or he would have my vehicle towed. when I refused to pay him, he proceed to act as if he was calling the tow truck. I then called CNAC directly where they advised the employee to leave the premises. 
My account was transferred over to XXXX with CNAC in XXXX and that was fine until today. XXXX called me and left me a message regarding my promise to pay today ( which was fine ), but then XXXX XXXX called me and left me a message as well, following up on his harassment. when I called back in to make the payment, XXXX answered and I requested to speak with someone else, he refused and stated that there was no one else to speak with. he then began being very rude to me and asking why I had a problem with him. when I advised that he was in violation of the Fair Debt Collection Practices Act, he stated that I was just making excuses for my payments being late and started being very derogatory. He refused to transfer my call so I bid him farewell and called back and made my payment with another employee. XXXX has been in violation of the Fair Debt Collection Practices Act and has continued harassing me amidst my requests for him to stop.
Consumer complaint received 2017-02-15
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Receivables Management Partners, LLC (FL)

RMP SERVICES LLC has placed an unauthorized derogatory, harmful, and damaging account/item on my Consumer report. XXXX XXXX XXXX ( a ). RMP SERVICES LLC has violated my federally protected consumer rights without causing injury, harm, and damages to my pursuit of happiness and right to utilize consumer credit. 

I have included an attachment requesting XXXX XXXX to respond point by point with verifiable facts and authenticated documentation validating that I owe them any alleged debt. XXXX XXXX XXXX ( a, b : " until debt collector obtains verification of the debt '' ). Failure to do so will result in Civil Penalties according to Consumer Protection Laws and other laws that may apply. 

RMP SERVICES LLC has no proof of claim with verified, validated authenticated documentation. RMP SERVICES LLC has violated the FDCPA 1692 and is Civilly Liable according to XXXX Civil Liability [ XXXX XXXX XXXX ] and other consumer protection laws. 

RMP SERVICES LLC has placed this alleged account on my credit report to intentionally cause harm to my pursuit of happiness by affecting my Consumer transactions for personal, family and household purposes
Consumer complaint received 2017-02-01
Product: Credit card — 
Issue: Payoff process — 
Company: WELLS FARGO & COMPANY (NY)

On the " Pay My Wells Fargo Accounts '' page, the Amount drop-down only gives you the option to pay the " Total Amount Due '' and not the Outstanding Balance. In order to pay the Outstanding Balance, you are forced to select " Other '' and then manually enter in the dollar amount corresponding to the Outstanding Balance. This is deceptive and unfair because it does not give card members the option to pay their entire Outstanding Balance, encourages card members to inadvertently continue revolving a balance, and allows Wells Fargo to charge interest on unpaid balances that the card member may not made aware of.