davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I contacted the credit reporting agency on XX/XX/XXXX by writing a statement disputing debts ( XXXX XXXX XXXX XXXX and Bankruptcy ) on my credit report. They responded that the debts were " verified '' but did not provide any information on how they were verified as is what is required by the FCRA. On XX/XX/XXXX, I sent a follow-up letter to credit reporting agency regarding the method of verification and according to the FCRA, they have 15 days to respond. To date, the 15 day extension has expired and I have received no response.
Consumer complaint received 2018-05-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (IL)

I deposited a check into my checking account that I received for doing work from a company, my bank sent it back stating that it was Alter/Fict and did not honor the check 3 day 's later I called the Bank in which it came out of and the clarified that it was from the bank their was a bank account but they couldn't give me information on another persons account but that it was a business. I asked chase fraud department if they were going to go after the company and since they froze not only my account but both mine and also my two children 's accounts also can they help get the funds for the check they said it was my problem to go after them I would have to do that, finally after a week of talking to people I at least got my two kids money out of their accounts but they did take {$6.00} from my one son 's account that was his and close it. and they closed my daughters upon her taking her money out. they put a overdraft fee on my account along with the amount of the check of {$1900.00} and they added a fee for {$12.00} to it now I get calls for collection of the account to pay it and a closed savings account in which is all fees for either {$5.00} transfer fee or a {$5.00} service fee on it nothing of which I owe. I also have called multiple times to the cooperate office for help to the XXXX XXXX XXXX for help with the check and to chase fraud and have gotten no where so I am coming to you since this started when I deposited the check on XX/XX/XXXX and it is now XX/XX/XXXX and I am still out my pay for the work and I have a checking account stating I owe money at chase frozen closed.
Consumer complaint received 2018-08-19
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (MI)

We have been trying to get on a payment plan that we can afford for over a year. I have mailed, faxed, uploaded all the info that was requested multiple times. I faxed it twice every time, I call in to see what is going on i get the same answer. " We have not received anything, or it is unreadable. '' It's so frustrating that we have done everything on our part, and you still ding our credit. When i call after uploading, I get told well it takes a few days to see it. If it's not readable, we will call you. Never hear back, but conveniently they sent me to collections.
Consumer complaint received 2018-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

I sent a dispute to Equifax on XX/XX/2018 regarding incorrect addresses on my consumer report. On XX/XX/2018 I received my Equifax results of reinvestigation in the mail and it shows that the three addresses were deleted because they were mixed. On XX/XX/2018 I paid to request my Equifax credit report and the three address Equifax stated were deleted are still showing up on my credit report.
Consumer complaint received 2018-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

My credit score has been in the mid 700 's ... 750 or so. I paid off a car loan that had been in existence for two and half years. This account with XXXX XXXX was paid on time and no late payments. As was all my other accounts. When I paid off the loan, my credit score with Transunion dropped 97 points. I called transunion and was told I need to use some of the credit I have. I currently have credit cards with balances that have been paid on time. 

I want my credit score adjusted reflect the on time payments that I have been making. I have worked too hard to get my credit score where it is/was. When I paid off the car loan, the other two reporting agencies dropped my score by two or three points. NOT 97 points.

I did what the representative at Transunion told me to do, use some of my credit and I did. I used {$1000.00} on two cards and my score has not changed. I am in the market for a mortgage and this is hurtful to my chances of getting a decent rate. I don't think it's fair that a computer is left up to deciding my credit score. thank you.
Consumer complaint received 2018-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MI)

Every credit report ( all 3 XXXX, Experian and XXXX  ) shows balances owed on my general and store credit cards, however all of my credit cards were paid in full and have a zero balance. I have disputed with all 3 bureaus and provided statements showing a XXXX  balance to all 3 bureaus but they never made any correction. Additionally, there are several credit cards that show a delinquent payment, when it was not delinquent, on 3 accounts XXXX, XXXX XXXX mastercard and XXXX XXXX credit card, applied my payments to the wrong account, all 3 companies are operated under the same financial institution, and payment processing center. On the other credit cards, I made the payment on-line on time, but they have a 10-15 day processing period that created a delinquency when it was the processing time at the company themselves. I also have a XXXX collection account that was paid and I have notified all 3 bureau 's with the payment confirmation number. The balance owed on my mortgage is higher that what I actually owe, I confirmed this with my mortgage company. Finally, there are a few collection accounts with XXXX and XXXX XXXX XXXX, although I made payment arrangements with XXXX to pay 30 % less to satisfy the account, I know nothing about XXXX XXXX. I never signed an application, agreement, never received money, credit or statements. I asked them to provide proof that this account was mine and authorized by me, and after 7 requests they still have not provided anything, no statements, copy of application, copy of agreement, no proof at all that this account i mine. I disputed all of the above items with all 3 bureaus and nothing has been investigated, corrected or removed.
Consumer complaint received 2018-05-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Consumer Portfolio Services, Inc. (NC)

I have attempted consumer portfolio on numerous occasions dating back to XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, And XX/XX/XXXX to try to make a settlement on this XXXX XXXX XXXX I that I have with XXXX miles on it. The car does not work and I can't do a voluntary repo because I'm in the process of trying to buy a home. I have spent over {$4500.00} trying to repair the car and over {$300.00} in rentals to get to work and to my son 's school. The car is smoking from under the hood, the car had a wiring blower recall, and it's not worth more than {$1000.00} at other dealerships. I have tried to settle for {$5000.00} and {$6000.00} back in XXXX when the company indicated they needed at least 80 % of the loan amount which I owe {$10000.00}. I said that's impossible the car is not working nor is it worth anything. They kept saying we will have the president review, we will have the supervisor review and then no response. They then add the payments to the back of the loan while they are waiting on this response and never contact you. This company has also been sued recently. Please assist in this matter. 


Now I have received an email today as of XX/XX/XXXX about an EXTENSION- I never asked for an extension. NEVER. This goes to show how faulty and fraudulent this company is! Enough is enough of this company. AND AN ADDITIONAL {$1100.00} has been added to the loan some how as the payoff showed around {$9900.00} last week. 

You can see all the payments I made and how they have been applied. The loan was only for {$13000.00} and I still owe $ XXXX. Something is WRONG! 

They indicated on numerous occasions it was nothing they could do and now they are adding some extension.
Consumer complaint received 2018-08-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

Subject : XXXX XXXX XXXX Account : XXXX Amount : {$240.00} The collection agency has not provided proper validation of the debt. XXXX   and TransUnion merely sent me printouts of the debt amount as reported by XXXX but never addressed the issue if insufficient credit validation, how the debt collector came up with the amount. The debt collector sent me mere copies of computer print outs and print outs of old statements that show different amounts, amounts much lower than what they reported I owe. I believe Ive paid all the bills I owe to the original creditor. 

How can two old statements with differing amounts with different dates from the reported first delinquency be taken as validations? Mere computer print outs nor old statement print outs are not sufficient validation. Im bringing this to your attention in the hopes we can avoid expensive litigation. I will, however, fight for my rights if need be.
Consumer complaint received 2018-08-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (VA)

My Problem is with JP Morgan Chase, It started in XX/XX/XXXX when my grandmother passed away I notified the bank because i was informed in XX/XX/XXXX i was listed as payable on death beneficiary had to provide my names/address and SSN. the branch was aware that i did not reside in same state as my grandmother when i notified them by phone in XX/XX/XXXX i was handled poorly by branch rep who assisted for p.o.d account because of family conflict i was advised to go to court to straighten things out but p.o.d account does not need anything from court so assuming i was giving the correct info i ordered death certificate and contacted probate and was giving a long list of things i must have before i could start probate process which didn't go smooth or as quick as planned i finally got everything and filed small affidavit only to learn her account was closed out i never claimed p.o.d funds ( even mailed me letter clearly showing the amount and my name as beneficiary ) and chase says it's too late for them to pay me or assist because deadline to claim has passed then her safety deposit box was removed and sent to other location and i am now told it was empty hard to believe she was paying for a empty box for years but i have no way to verify contents and branch manager rudely let me know they don't have to provide any further information this whole company has handled me, my grandmother 's account, property poorly i am disgusted and hurt and in need of someone to hear my story and assist or point me in the direction of real assistance no a oh well you missed the time good bye
Consumer complaint received 2018-08-18
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. (OH)

I have disputed information on my consumer reports with all three CRAs and each has ignored my complaint about incorrect accounts and identity theft where a collection company has used a fraudulent social security number to link an account to me. I also have unauthorized credit inquiries on my credit file that I never initiated. I have tried repeatedly getting this corrected with the credit bureaus to no avail. I am here to ensure my complaint is accurately processed as it should have been the first time. Having exhausted all my resources and no longer able to dispute these accounts with the CRAs Ive since obtained help from the FTC to file and Identify Theft Report.
Consumer complaint received 2018-08-18
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: JPMORGAN CHASE & CO. (MI)

Dear Sir, I am going through the XXXX Credit Report and also checking inquiries on my report. I have closed all my individual chase credit cards. Irrespective of soft inquires impacts to my credit report, what's the specific needs of chase card inquiry dated XX/XX/2018 on XXXX Credit file. I have closed my individual credit cards on XX/XX/XXXX and XX/XX/2018 respectively. Why did chase inquire about my social when I have not contacted chase card or I do not have any plans to have any kind of chase credit card. Could CFPB direct chase card/XXXX to explain me the reasons of this inquiry dated XX/XX/2018. Could CFPB direct chase card/XXXX to issue me an official letter on this inquiry, anyone fraudulently obtained any card using my social, need complete details of this fraudulent inquiry dated XX/XX/2018 on my XXXX  Credit file.
Consumer complaint received 2018-05-23
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: Bread Financial Holdings, Inc. (FL)

On XX/XX/XXXX Pay Pal sent myself a letter to my address on record that a fraudulent account that was opened fraudulently on XXXX XXXX, XX/XX/XXXX and XX/XX/XXXX reference # XXXX with a fraudulent email where the thief rack up {$710.00}. The institution has never asked for any identification to verify that I was the correct person applying for credit violation of the banking laws in american banking and finance industry.. NOW 7 YEARS LATER THE SAME INSTITUTION SENDS ME A LETTER THAT THE BANK IS TRANSFERRING BANKS WITH THE SAME ACCOUNT THAT IS FRAUDULENT WHICH TELLS ME THEY NEVER CANCELLED THAT FRAUDULENT ACCOUNT ALSO NEVER SENT THE REQUIRE DOCUMENTS THAT THAT ACCOUNT WAS CLOSED ALONG WITH THE ADDRESS WHERE THE ACCOUNT ORIGINALLY TAKEN FROM AND WHO DID THE CRIME. AMERICA HAS LAWS AND PROCEDURES TO DO BANKING AND IT LOOKS AS IF THIS BILL ME LATER COMPANY HAS NO REGARD AS TO MY FRAUD ALERT ON ALL 3 CREDIT BUREAUS AND PROCEDURES TO HOW TO HANDLE FRAUDULENT ACCOUNTS THRU OUT THE USA. THIS IS A GROSS VIOLATION OF BANKING AND FINANCE LAWS TO IGNORE FRAUDULENT ACTIVITY WITH APPLICATION THAT A THIEF USED MY PERSONAL ID FOR FRAUDULENT ACTIVITY THIS IS THE 8TH TIME WHICH I BELIEVE ITS THE SAME INDIVIDUAL THAT ALSO TRIED TO STEAL MY TAX RETURN IN XXXX TAX YEAR.
Consumer complaint received 2018-08-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/2018. I check my bank account and my bank ( wells fargo ) gave all my money to a third party without my consent and at the same time charge me {$120.00} processing fee too. I did not request it or agree with what they did. So my money is given away by them. The same ppl i thought would protect and keep my money safe. Its not the case. It was almost a thousand dollars plus their {$120.00} processing fee. Seems like a money making thing for them slapping me with {$120.00} in which i did not request them to do. Ive talk to them and they just give me the cold shoulders saying nothing they can do. I felt betray by this business. The very one that suppose to protect and keep my money safe and they didnt. and they turn around and made money off of fee on me on the very same matter. Its straight up thievery to me. Hope u guys can help me reclaim my money back. My confidence in banks is all shot up now. I dont know what to do
Consumer complaint received 2018-08-20
Product: Credit card or prepaid card — Store credit 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: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XX/XX/XXXX I ordered merchandise on my XXXX XXXX   credit card for {$240.00}. I have recently moved and changed my address on this account, but my old address came up as the default address and the merchandise was sent to my old address. 
Once I realized ( within 2 days ) that the package had been delivered to the wrong address, I notified XXXX, but they claim that I am still responsible for the full amount of the purchase even though I did not receive it. 
As soon as I discovered the mistake, I went to my old address to check on the package. It was not there, the apartment is vacant and my old neighbors did not see a package. 
I have been corresponding with XXXX since then, only to have them consistantly tell me that they will not refund my money and expect me to pay the full amount. 
I did make a payment today of {$60.00}, which now includes a late payment, but do not believe that I should be responsible for merchandise I did not receive.
Consumer complaint received 2018-05-22
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with overdraft — Overdraft charges
Company: Neon Newco Corporation (NJ)

I did a claim for unauthorized transactions made with my card the one that was lost or stolen and due to negligence of the bank an unauthorized person use more than 2,000 dollars, I tried to report the card lost by the automatic system and wasnt allowed I tried do speak with an live agent and they was close I make a first complaint with the consumer financial protection bureau and the company lies to the consumer financial statin I nwanna ver tried to report the card lost and that they will do an investigation and give results by todays dateXX/XX/XXXX2018 ... todays date I called to custumer service dispute department and they said they dont have any update in my dispute ... i feel like this bank is taking unlawful retailiation against me because the first complaint I make to the bank, I havent receive even a temporary credit on my account and here I send the response this bank sent to consumer financial first time
Consumer complaint received 2018-05-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Hillcrest Davidson & Associates (NC)

An original complaint was filed incorrectly including XXXX XXXX and Hillcrest Davidson and Associates on XX/XX/XXXX Case number XXXX with the Consumer Financial Protection Bureau. XXXX XXXX, based in : XXXX XXXX Corporate Headquarters.  XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX, TX XXXX somehow does not show up in any databases and is unable to be contacted by government agencies. This contract was canceled on XX/XX/XXXX and is documented by accompanying attachments ( 5 ). The purported ( erroneous ) debt was turned over to an outside agency - Hillcrest Davidson and Associates to collect. I received exactly one letter from them notifying me of this matter. I promptly placed a phone call and explained the situation to them. I was told that the matter would be purged from their records on XX/XX/XXXX by XXXX ( no other information would be given ) at XXXX XXXX EST. I have had an exemplary credit record up until this matter and have always paid my bills on time. Most recently having a credit score of XXXX until this wrecked my credit rating.
Consumer complaint received 2018-08-18
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. (OH)

I recently reviewed my credit report and discovered inaccurate credit card accounts reported from TransUnion : XXXX XXXX XXXXXXXX opened on XX/XX/XXXX XXXX XXXX XXXX opened on XX/XX/XXXX in the amount o {$480.00}
Consumer complaint received 2018-08-18
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. (MI)

Dear Sir, I have closed my Individual Chase Credit Card on XX/XX/2018 and also communicated to chase that there should not be any more transactions or any kind of activity on my closed individual chase credit card. I am only responsible to pay the monthly payment for remaining balance. Chase also responded to CFPB that Individual Chase Credit Card has been closed on XX/XX/2018. Surprisingly, I am keeping receiving messages from chase that making changes to closed credit card benefits, which does not make any sense and also unlawful/fraud allowing any kind of benefits or changes to closed credit card. I have only used this card for one balance transfer and I never ever used this card for any other benefits ( any kind of insurance or coverage ). I will be filing official complaint at concerned courts and law enforcement if Chase allows any kind of changes or manipulation to my closed credit card. Chase credit card has been closed dated XX/XX/2018 and there should not be any more further transactions or any kind of activity on this card. If someone used any of the benefits using this individual credit card, it comes under misrepresentation and unlawful activity. I am the only one resident and lease holder of my address and there is noone else associated to my address or social. Could CFPB direct Chase Credit card to issue me a letter that my card has been closed effective from XX/XX/2018 and there are no transactions or no fraud or no unlawful activity or no misrepresentation by anybody or noone used any kind of benefits using my individual credit card.
Consumer complaint received 2018-08-20
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: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

Someone utilizing an address in New Hampshire utilized my name and social security number to open a credit card account with Bank of America,  in the credit amount of {$7500.00}. I have never lived in NH and did not open this account. Being that items were charged to the account, and never paid, this began to affect my credit. I obtained a credit report and found this unauthorized account. In XX/XX/2018, I contacted Bank of America directly, specifically the fraud division, and explained everything. I was assured everything would be taken care of. By XX/XX/XXXX, I found out this was still appearing on my credit report. I filed disputes with all three credit reporting agencies. The results of the dispute came back on XX/XX/2018 that Bank of America declined the dispute and allegedly found this to be a proper verified account. It is NOT a valid account. I never applied for this and never resided in NH, and this is now negatively affecting my credit.