davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-07-29
Product: Credit card — 
Issue: Sale of account — 
Company: JPMORGAN CHASE & CO. (CA)

Hello, I have been paying Chase on my Credit Card balance since the last Chase Statement " date XXXX '' the Balance was {$8000.00} Chase has mailed me letter stated " Update : We received your payment and will forward it to XXXX. XXXX XXXX purchased your account from us on XXXX/XXXX/XXXX ''. " XXXX has filed to the Court that I owe " XXXX '' Principal and interest since XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, SUPERIOR COURT OF CALIFORNIA , COUNTY XXXX ( XXXX ) XXXX XXXX COURTHOUSE ORDER RE : CLAIM OF EXEMPTION The Judgment Debtor 's Claim of Exemption is GRANTED. That is my husband and I the join checking account at Chase Bank.On XXXX/XXXX/XXXX " XXXX, XXXX '' Faxed " NOTICE OF LEVY ( ENFORCEMENT OF JUDGMENT ) '' " WRIT OF EXECUTION '' to our join checking account at Chase Bank again. 
I do not owe any Credit Card balance to " XXXX, XXXX " XXXX, XXXX '' has no right to file the judgment on me. I had paid Chase Credit Card {$5.00}, XXXX ending XXXX, XXXX since the Chase Statement balance was {$8000.00} Chase has received my Chase Credit Card Account payment through my Bank Bill Pay to " XXXX. XXXX XXXX XXXX, Illinois ''. There is no current balance statement from Chase. It is not right for Chase to have cardholders pay card payments to other than Chase because Chase sold the account. I had used Chase Credit Card not XXXX therefore, I pay Chase Credit Card.
Consumer complaint received 2023-07-13
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. (IL)

To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 
1. Federal Law requires you respond within 30 days. It has now been over that period since your receipt of my dispute. 
XXXX Case Number : XXXX Please remove it from my credit report. 
2. Federal Law requires you respond within 30 days. It has now been over that period since your receipt of my dispute. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 
3. Federal Law requires you respond within 30 days. It has now been over that period since your receipt of my dispute. 
XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
4. Federal Law requires you respond within 30 days. It has now been over that period since your receipt of my dispute. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. 
Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 
Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 
Sincerely yours, XXXX XXXX XXXX
Consumer complaint received 2016-07-29
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Scott Fetzer Financial Group Inc. (VA)

Receiving automated phone messages from a company identifying itself as a collection agency for United Consumer Financial Services Company. A loan with that company was paid off in XXXX 2016. I want this company to cease calling my phone. The number the messages come from is XXXX. Attached, please find correspondence confirming the debt is paid in full. Thank you.
Consumer complaint received 2024-09-23
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: GOLDMAN SACHS BANK USA (NY)

I purchased an Apple Card in XX/XX/XXXX because there was a promotion when you buy an apple credit card when youre buying a product {$300.00} off instantly. That never happened so the same day that I bought the product I called the customer service they said that I would be receiving an explained to them that if it wasnt the promotion and was misled that I would return it and purchase it on a different card. They all promised me that I would be receiving this credit. Ive called multiple times over the past XXXX months and now I called today this morning and theyre saying that thats not a promotion and I will not receive the credit and I explain to them millions of times that I had only 14 days to return the product so I wasnt going to receive this credit. I was going to return it and just purchase it on a different card no problem but its the return policy XXXX months later cant do anything about it.
Consumer complaint received 2017-02-07
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I originally disputed the BALANCE on my auto loan for XXXX, it had been reporting incorrectly for a few months. I am trying to buy a house and TransUnion came back with their dispute results and the account was deleted from my credit report. I contacted them and they advised me that my creditor told them to delete it. I know this NOT to be true as I had already contacted XXXX, XXXX, the VP of the company advised me they had received NOTHING from TransUnion in regards to ANY DISPUTES. I called TransUnion back and they told me there is nothing they can do but the creditor can call. XXXX called and spoke with XXXX separate representatives and BOTH advised her she COULD NOT do anything only I could. This had been the MOST difficult time and the most horrible customer service for something TransUnion deleted ILLEGALLY.
Consumer complaint received 2023-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

To Equifax Recently I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generalIf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me with a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. Thanks for your help with this matter. 

1. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation not reporting 100 % accurately. Contacted Debt collector asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been XXXX Account Number : XXXX Please remove it from my credit report. 

2. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation not reporting 100 % accurately. Contacted Debt collector asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation not reporting 100 % accurately. Contacted Debt collector asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been XXXX  - CARD SERVICE Account Number : XXXX Please remove it from my credit report. 

4. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation not reporting 100 % accurately. Contacted Debt collector asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been XXXX Account Number : XXXX Please remove it from my credit report. 


Sincerely, XXXX XXXX
Consumer complaint received 2017-02-08
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

On XX/XX/2017 I was in contact with Kohl 's. I was a payment past due and was asked to make my payment. I told the customer service rep that I was actually going to the store as we were speaking to pay with cash because I wanted to use my card right away. He said no problem, I will process the payment over the phone, I said but I wanted to use my kohl 's card today and cash payments post right away for use. He said no we can use your debit card and you can use your card right away. I know by him saying that, that there is no way they would let me use my card unless that money came out. So I double checked and said I can use it today and it will post right away, he said yes. He really forced me into making a payment then and there. So I read him my debit card number and mind you, I 'm never late. I think I may have been once but that was when I just XXXX and was on XXXX and forgot. So I read him my debit card number and he told me he would take the late fee off. I received a call today,XXXX around XXXX central time, and was told my account was 2 payments past due! I was shocked and asked about the debit card payment I made. She said it did n't not go through and I explained that I was told it was processed right then and there. I have XXXX bank accounts and I keep {$100.00} in XXXX all the time and at the moment I had that debit card on me for that bank when that rep called on Saturday. Well looking at it, I discovered I had {$76.00} in there for a {$82.00} payment. If I could of used my bank routing and account number it would have went through or if I would have jus paid cash I would not be in the situation I am currently in. I was repeatedly asked to use my debit card and told I could use my kohl 's card that same day meaning it would come out same day. The rep today told me that I was read that it can take 24-48 business hours for a payment to post but I do n't see how with a debit card payment. I feel I was misinformed and now my credit is suffering. I am trying to build my credit for a house next year and this is making me so mad. I would have paid in store with cash if I knew this.
Consumer complaint received 2016-04-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Indicated committed crime not paying
Company: AFNI INC. (TN)

This is an XXXX XXXX XXXX XXXX account that I once had and cancelled the services because I was having problems with it. When I called to speak with a representative they informed me a return equipment box would be sent to me. I was also told that if I return all of the equipment back to XXXX XXXX XXXX that I would not owe anything on this account. The day that I received the box, I packaged up all of the XXXX equipment and returned the all of the equipment back to XXXX XXXX XXXX. When I had done this I called them to let them know it was sent back and the representative told me that I would not owe anything.
Consumer complaint received 2017-03-03
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NV)

I applied XXXX times online to Santander Bank for a checking account. 
The first I applied on XX/XX/2017, and received an email on XX/XX/XXXX telling me that I was declined for an account. 
" We were unable to verify your identity or other personal information at this time. '' I could not find out the problem, but was told I could re-apply. 

I did so on XX/XX/2017, and was declined on XX/XX/2017 by email stating the exact same sentence as the reason. 

I tried a 3rd time on XX/XX/2017, and never even received an email from them. 
I called in on XX/XX/XXXX and was told I was declined. 

I have never received a letter from them, letting me know what credit agency they are using for information. 
This is a violation of the FCRA - Fair_Credit_Reporting_Act. 
If they wo n't tell me which credit reporting agency they use, I can not find out what erroneous or lacking information is being or not being provided.
Consumer complaint received 2024-09-24
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: Nelnet, Inc. (TX)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2016-07-29
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (MO)

I purchased a home in XXXX of XXXX with XXXX as the lender, a XXXX and XXXX mortgage. The loans were refinanced with XXXX XXXX XXXX and paid in full in XXXX of XXXX. It was brought to my attention dealing with my current lender, XXXX, that XXXX never submitted the documents to release the liens. I contacted the title company and they provided payoff transmittals and checks to substantiate the payoff to XXXX. I contacted XXXX and sent the title policy, settlement statement, payoff transmittals and legal description to have the liens released. As instructed, that information was sent via USPS Certified Mail to PO Box XXXX, XXXX, FL XXXX and was received XXXX XXXX, XXXX. I received an auto generated letter from XXXX stating there was an error and the Lien Release process was initiated. Upon following up, one week later, I was told the loans were now being serviced by PHH Mortgage and that I needed to e-mail the information to their Lien Release Department at XXXXXXXXXXXX. I obliged and e-mailed all of the information on XXXX XXXX, XXXX. During my initial follow up one week later, the Customer Service Rep confirmed the loans were paid in full and that at this point it was a matter of having the Liens physically released. I have followed up with PHH Mortgage every week since sending over the documents only to be told that they do not have any additional information and that these issues take up to 30 days to process. Once the 30 days were exceeded the target then moved to " it can take up to 60 days to complete the Lien Release process ''. I have resubmitted the information to XXXX XXXX XXXX Ext. XXXX and XXXX XXXX, so it has been submitted to their company 3 times. I was also given a Supervisor 's name and number XXXX XXXX XXXX Ext. XXXX but she will not return any calls. Yesterday, 68 days into this process, I called their Customer Service Department and I was instructed to resend the information because he did not " see it in the system '', I had to tell him that I have submitted the information 3 times. I find it concerning that I have no accessible file in their system that would show the information was received or where it 's at in the process. We are now 69 days into this process and every time I call, no one can give me a status update or even really find my information. This is a simple matter of releasing XXXX old liens. I am very frustrated and seeking immediate resolution to this issue. This is not my fault, as these loans were paid-in-full with XXXX in XXXX and they did not follow through on their obligation to release the liens. This is causing problems for me dealing with my current lender as I can not produce a clear title to my home.
Consumer complaint received 2023-07-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo bank has been notified that my account has been fraudulently charged and they refuse to resolve the situation. I have reached out to the fraudulent merchant, made a claim with wells fargo, made a police report due to the identity theft, Filed a complaint with the FTC, and will be obtaining a lawyer. Wells Fargo and XXXX XXXX are allowing people to be scammed and fraudulent purchases to be made and they are not holding these people accountable nor are they resolving the issue as far as the legal right to a chargeback.
Consumer complaint received 2024-09-19
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Late or other fees
Company: Block, Inc. (WA)

Cashapp at XX/XX/year> received at XXXX a {$50.00} dollars deposit to my Cashapp account. At XXXX I transferred it to my account. the charges to transfer were taken out of the funds and {$47.00} was suppose to be available for me to use instantly. Yet the funds never show up and Since that time I have received and sent text messages to the Cashapp support and one excuse after another has transpired to this point to contact your agency. Cashapp refunded.XXXXXXXX XXXX  which is the fee that was refunded, when they said the had not a thing to do with the transfer. 
sincerely XXXX XXXX
Consumer complaint received 2023-07-13
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. (IL)

To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 
1. Federal Law requires you respond within 30 days. It has now been over that period since your receipt of my dispute. 
XXXX Case Number : XXXX Please remove it from my credit report. 
XXXX. Federal Law requires you respond within 30 days. It has now been over that period since your receipt of my dispute. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. Federal Law requires you respond within 30 days. It has now been over that period since your receipt of my dispute. 
XXXX IL XXXX Account Number : XXXX Please remove it from my credit report. 
Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last XXXX months, or the last XXXX years for employment purposes. 
Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 
Under federal law, you have XXXX ( XXXX ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( XXXX ) days of the completion of your re-investigation. 
Sincerely yours, XXXX XXXX XXXX
Consumer complaint received 2023-07-13
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: Experian Information Solutions Inc. (TX)

It is frustrating for me to continue requesting corrections of this inconsistent information regarding my credit history and account age. I want consistent and accurate information exactly like my consistent and accurate XXXX credit report information. One out of 3 credit bureaus being accurate and consistent is unacceptable. 

My credit history is very important. It tells businesses how I pay my bills. Those businesses then decide if they want to give me a credit card, a job, an apartment, a loan, or insurance etc. 

My account age is considered a medium impact credit score factor as it's not as influential as my payment history or credit utilization, but a higher average account age still positively impacts my credit score. 

Due to the numerous unsuccessful attempts, I have made to have this information corrected and to be consistent I have decided to forward this serious problem to Congressman XXXX XXXX for his assistance in this matter.
Consumer complaint received 2023-07-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Bank of America 's refuses to credit cardholder {$2300.00} for a fraudulent transaction based on prior history the merchant submitted to BoA, and not on any documentation which proves the cardholder originated and approved the fraudulent online transaction being disputed. The cardholder does not deny having a prior history with the merchant since the cardholder was leasing an apartment from the merchant. Prior relationship with the merchant does not constitute proof that the cardholder originated or authorized the fraudulent online transaction payment of {$2300.00} to XXXX XXXX, and is the reason why the cardholder filed a fraud complaint to begin with. BoA 's automated fraud filter decided to unilaterally close the cardholders claim without allowing the cardholder the opportunity to respond in a timely manner, thus denying the cardholder 's due process rights to receive a fair dispute resolution process. The cardholder was then forced to pay the {$2300.00} charge plus {$220.00} interest charges in order to avoid his excellent credit rating from being damaged.