davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (NV)

A little bit of background information, I am an active-duty XXXX in the United States XXXX XXXX with a XXXX XXXX XXXX and have never missed a credit or loan payment in my life. 

During the last week of XXXX XXXX, I heard about how Chase Bank was offering to waive annual {$450.00} fee ( voluntarily going beyond what is legally required that was required in the Military Lending Act ) for their most popular credit card, the XXXX XXXX XXXX. A few days later on XXXX XXXX, I decided to take advantage of this opportunity and apply for the credit card, and was told on the website that Chase would let me know if I was accepted or not via snail mail. Having not heard anything and just wanting to check on the progress, I called Chase on XXXX XXXX at XXXX PM ( PST ), and after a few verifications, the gentleman on the line told me I was accepted and that I was approved for a {$10000.00} limit and that I should be receiving the card very soon. On XXXX XXXX, I received the credit card and quickly went through the prompts to active the card and set it up. I then went out to dinner and used it without any problems at all and have n't used it since. Two days later, XXXX XXXX, I found out that my card had been abruptly cancelled without any notification prior to the event. I then called Chase twice at XXXX AM PST and XXXX AM PST and was told the first time that I should be receiving a letter in the mail better explaining what transpired and that he could not help me further than that. The second time that I called, I went through multiple individuals and agencies attempting to figure out what went wrong. Finally I get to a senior XXXX and get told basically the very same thing that the first gentleman told me, that I have to wait for the letter.
Consumer complaint received 2017-11-02
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CITIBANK, N.A. (FL)

I request a Home Depot credit card ( HDCC ) approximately two and a half year ago, but i never received a letter to granted or decline. In XX/XX/XXXX when i purchase my house, I found out about HDCC, after that I call several time to request the CC but I only received a Fraud Dept. Letter from HDCC to confirm my identity, after I call them and give the code they supposed to send my the CC but never received. 
On XX/XX/XXXX I call the Executive response Office from HDCC to verify the status of my complaint and the address was correct. Today XX/XX/XXXX I spoke to XXXX my case manager about my account number to make a payment, on Purchase that I did on store without the CC, and she told me that they received a letter on mail requesting change my address to a XXXX XXXX XXXX, XXXX. 
At that point I told then it was n't me and I fill a compliant with the XXXX Sheriff Department case # XXXX. 
This company was very neglect from the begging on this account they never sent a letter to confirm the account compromise my Credit report and at this point I never received the CC I do n't have Acct Number, Phone # ( XXXX ) ( XXXX ) they can find my acct using my cel #
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

I am writing to inform you that I have been a victim of a data breach, which has resulted in identity theft. Fraudulent accounts have been opened in my name, and I am requesting that the following accounts be blocked and deleted pursuant to 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ). 
The fraudulent accounts are as follows : XXXX. XXXX XXXX XXXX XXXX - Account ending in XXXX Opened on XX/XX/XXXX - Balance : {$1000.00} XXXX. XXXX - Account ending in XXXX Opened on XX/XX/XXXX - Balance : {$00.00} XXXX. XXXX - Account ending in XXXX Opened on XX/XX/XXXX - Balance : {$160.00} XXXX. XXXX - Account ending in XXXX Opened on XX/XX/XXXX - Balance : {$00.00} XXXX XXXX XXXX XXXXXXXX - Account ending in XXXX Opened on XX/XX/XXXX - Balance : {$300.00}
Consumer complaint received 2017-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

This account is about my child support payment to the Texas OAG office. The account balance and the reported payments are always reported wrong to all the credit reporting agencies. 

Since XXXX XXXX, I had been awarded and receiving a monthly social security survivor benefits in the amount of {$1300.00}, to which the Texas OAG attached a lien and had since been collecting one third of my benefits every month in the amount of {$450.00}. The OAG office collects this amount from my survivor benefits promptly without fail. Also in XXXX XXXX, I settled an auto insurance claim for about {$13000.00}, and between the lawyers, the hospital bills and the rest of the other medical bills, the OAG got {$5900.00} of the settlement, and the rest went to the attorneys and the rest to the medical providers to settle the medical bills. Not a penny for went me. I do n't have a problem with the OAG taking the money for my child 's support, what I have a problem with is the reporting errors. 

For instance, my total monthly child support payment is {$340.00}, of which {$220.00} is for the chaild 's support, {$75.00} for the child 's medical, and {$100.00} to go towards reducing the arrears, which as of XXXX XXXX before the social security survivor benefits I started receiving my benefits my arrears was then at a little over {$10000.00}. But as I already indicated, the OAG office is actually {$450.00} from my benefits. Yet for the past 10 months, my credit consumer report is showing XXXX payment into the account, it shows that no payment has been made on the account for almost a year, that has always been past due for 30, 60, 90 days, and that is just not true. I have all the documents to prove it if requested. As of today when l checked the account balance, it shows that the account is past due 8 months, and the remaining balance does not accurately reflect the arrears balance.
Consumer complaint received 2024-01-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I must express my disappointment regarding your decision to dismiss my identity theft claim, attributing it to an error or a misrepresentation of material fact. This raises significant concerns about your authority to determine what qualifies as a material fact. It's important to emphasize that your role does not confer upon you the powers of a judge or jury, nor does it grant you an inherent right to make such determinations. 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 XXXX XXXX XXXX In accordance with the guidelines outlined by the Federal Trade Commission ( FTC ), when an FTC identity theft report has been filed with a law enforcement agency ( which the FTC itself is ), the established protocol is to abide by the law and conduct a thorough investigation.
Consumer complaint received 2017-11-02
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BlueChip Financial (GA)

Over the past 4 years I have been lost 3 jobs due to role elimination. Given my job losses my credit became damaged and I was forced to seek a loan from a high interest rate organization ( Spotloan ). My unemployment this time around has lasted longer than anticipated ( 11 months ) and I have been unable to pay back my outstanding debt with Spotloan. 

Today I received a call from a Debt Collection Agency claiming to now own my outstanding debt with Spotloan. The individual claimed to be from a collection agency name " XXXX XXXX XXXX '' the call came in from XXXX XXXX XXXX XXXX. I spoke with a gentleman named XXXX XXXX and he gave me a call back number of XXXX XXXX XXXX XXXX Ext. XXXX. 

I knew that I had an outstanding debt with SpotLoan so I agreed to set up automatic debts to begin paying down the debt. XXXX XXXX was very unprofessional during our first conversation but I accepted the fact that I owed the debt and I just should make arrangements to pay off the balance. XXXX XXXX stated that they only did payments by debit card so I provided him with the necessary information. 

After hanging up with XXXX XXXX I checked my records and determined that the balance he quoted did not align ... I telephoned the company back.. The gentleman who answered the phone did not identify himself as being with XXXX XXXX XXXX he just said " Hello '' when I questioned him about the company he became very rude so I hung up. I than called back and asked to speak with XXXX XXXX directly. I was transferred to XXXX XXXX. I asked him again to provide me with my balance. He hesitated, became very irate and claimed my balance was {$800.00}. Well {$600.00} was the amount of the original loan but I had in fact made payments toward the balance. 

I called Spotloan directly to confirm my balance and they stated their records indicated the balance was {$510.00}. Their records also indicated that the loan was " pending '' sell but they could not tell me at that time who the loan had been sold to. Spotloan requested that I call back next week and they could tell me who the loan had been sold to. 

I called back to XXXX XXXX XXXX, to request a breakdown of how they arrived at the {$800.00} ... Again XXXX XXXX became irate and stated that if I did not want to uphold the arranged {$50.00} bi-weekly payments he would just sue me ... He continued to complain that the " little {$50.00} payments meant nothing to them ''. 

My concern is if this company " XXXX XXXX XXXX '' is a legitimate organization and how can they refuse to give me a breakdown of my balance. The original creditor ( Spotloan ) stated today that my balance was {$510.00}. 

How can I get alignment on my balance and confirm the legitimacy of XXXX XXXX XXXX. I plan to cancel my debit card thus blocking their ability to receive any payments until I can confirm the identity of this debt collector. 

Seeking guidance on this confirmation. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-28
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Automated Collection Services, Inc. (NC)

In XX/XX/XXXX I was contacted by ASCI requesting to settle a debt with XXXX XXXX. I declined until I was provided accurate documentation as I had already disputed this collect under a different company and it was removed. In XX/XX/XXXX I contact XXXX and they stated the amount was {$63.00} not the {$190.00} that ASCI is reporting. I have tried to make contact with ASCI to removed this from my credit immediately as they arent reporting accurate information.
Consumer complaint received 2024-01-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (FL)

I hope this letter finds you well. I am writing to address a matter of utmost urgency and concern regarding fraudulent accounts on my credit report. The impact on my creditworthiness has been severe, and I am seeking your immediate assistance in resolving this issue XXXX XXXX XXXX
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CT)

I am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries immediately. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

Notice for Proof of Claim Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom it may Concern, This is this complaint is submitted Under OHIO LAW U.C.C 1319.12Takingassignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assignability because it violates the contract Law. Where there is no fair valuable consideration given, the contract or agreement is voidable. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation.
Consumer complaint received 2019-04-08
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: Nelnet, Inc. (MA)

Listen, I'm not sure how to handle this anymore but I've sent several letters both to the credit bureaus and the original creditor that I've never signed any documents about this debt and I've sent signed affidavit notarized confirming that it's not my account. Please remove this account. Please perform an investigation to determine whether or not this account belongs to me, as I am unable to recognize this business. Please erase this from my credit report.
Consumer complaint received 2024-01-30
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kimball, Tirey & St. John LLP (CA)

I was originally sent a letter from Kimball Tirey & St John LLP on XX/XX/XXXX for the amount of {$1000.00} from a previous apartment I rented at. I contacted the collector and requested an invoice for the charges as they were from XXXX and I wanted an itemized list to verify everything. When I got the invoice from the original apartment that I owed the debt to, the current due balance was listed as, {$750.00}, a completely different amount. When contacting the collector again and letting them know this was the case, they gave me my login for there website where I can make payments and told me that they had just spoken to the apartment and they were adamant on the total. However the amount on the collector website was completely different at {$1100.00}. When calling back the debt collector they said that they did not know what to tell me, that was the amount. I felt very uneasy about the way they went about it and I called the apartment where the original debt was from, they told me that they no longer had any file on my case because it was so long ago and have not spoken to the collector. I tried explaining to the collector that this was very confusing and I was just trying to understand why there are 3 separate amounts that are just increasing by the week, and they had no regard. They said they would send me another invoice for the charges and that I should receive the invoice in 2 business days but I need to make a payment by this Friday or this was going to get reported and my credit score would drop XXXX points. I just felt very uneasy about this whole encounter and I felt that I needed to report it.
Consumer complaint received 2019-04-08
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HYUNDAI CAPITAL AMERICA (NV)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nevada XXXX Account No. XXXX RE : KIA Motors finance Retail Installment Contract XXXX XXXX XXXX XXXX XXXX, CA XXXX Dear KIA Motors Finance, The confirmation notice dated XX/XX/2018 from your office cancelled ANY/ALL debt ( s ) and or payment installment contracts. The notice confirms that the debt has been paid in full. I have included a copy of the notice for your review. Please update your records as this information has been reported to the Consumer Financial Protection Bureau and a complaint has been filed. 

Regards, XXXX XXXX
Consumer complaint received 2024-01-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (GA)

I made over {$44000.00} in voluntary payments to Nelnet in XXXX during the payment pause ( see attached ). Since then, my loan servicer changed to XXXX. I requested a full refund from XXXX in XX/XX/XXXX and so far have only received {$110.00} from Dept of Treasury.

After several calls and emails to both Nelnet and XXXX regarding my refund, I finally submitted a complaint to CFPB, focusing first on XXXX. Per the " company response '' section on CFPB, I received the following message from XXXX on XX/XX/XXXX : " Upon review of the National Student Loan Data System ( NSLDS ), there are several loans that were Paid in Full as of XX/XX/XXXX. These loans were serviced by Nelnet and were Paid in Full prior to your transfer to XXXX. XXXX would not be able to issue a refund on loans that were Paid in Full prior to transfer as we do not have the payment history or loan records for these loans. Please note that the deadline to request a refund of the payments made during the Covid-19 administrative forbearance period was XX/XX/XXXX. This information is verified at https : //studentaid.gov/XXXX. If you contacted Nelnet to request a refund of the payments made during the Covid-19 administrative forbearance period before the deadline, please reach out to Nelnet regarding the status of your refund. '' I had already spoken to a supervisor at Nelnet ( XXXX on XX/XX/XXXX ) before submitting the complaint to CFPB. During the call on XX/XX/XXXX he told me XXXX has the ability to request refunds from the Dept of Treasury for any voluntary payment made in XXXX, even if the loan was paid through Nelnet. He also mentioned during the call on XX/XX/XXXX the cutoff to request a refund from Nelnet was XX/XX/XXXX, and they have no record of me ever making a request. XXXX also notified me the messages I send through the " contact us '' section on the Nelnet website don't always attach to my account, even if I am logged in, therefore they deny any record of me ever requesting a refund. Nelnet does not have a " sent '' folder within my online account, so I am unable to provide screenshots of the emails. I did ask XXXX how they could be sure I never made a request if my emails are not archived by Nelnet or saved in a " sent '' folder, and he did not have an answer. 

I realize the deadline to request a refund has passed, but my original request was initiated in XXXX, as soon as I learned about the refund option. The back and forth between these servicers, the repeated instruction to allow XXXX weeks at a time for " further review, '' and the misinformation I received has delayed the entire process for me.
Consumer complaint received 2024-01-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

There r names on my credit report. Transunion my address says Georgia. Please help take that offf as it is not my address. Also on experian it has my name as XXXX XXXX please take off and my birthday is XX/XX/XXXX not XX/XX/XXXX. And on XXXX the address are wrong. Iowa I never lived in, XXXX XXXX XXXX XXXX Nebraska, XXXX XXXX XXXX in XXXX California, XXXX XXXX XXXX XXXX ny, and XXXX XXXX XXXX XXXX XXXX please take off. I have filed a data breech settlement report with XXXX and need help to protect my identity. I had fraud which caused me to close debit card and XXXX dollar loss and had XXXX usd lost in XXXX account compromised loss and XXXX ; XXXX in remitely transfer loss scammed. I also ask compensation for losses and for time spent for days if calling experian and my bank account having to be closed 3 times in XX/XX/2023 and over XXXX hours with time spent due to the data breech from XXXX and fraud. It also caused me to not have a credit report score and I was denied a cc. Thanks
Consumer complaint received 2017-11-02
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO. (CA)

I leased a XXXX XXXX and for ~28 months made my monthly payments by submitting a check to Chase Auto Finance via my bank XXXX XXXX XXXX. Each of those ~ 28 months my check was cashed by Chase Auto Finance and each month each of those payments was posted correctly by Chase Auto Finance. 

Then on XX/XX/XXXX my bank again issued a ck to Chase Auto Finance ( as per usual ) and same process again in XX/XX/XXXX. Unfortunately Chase Auto Finance cashed my cksfor XXXX and XXXX, but Chase Auto Finance did not post the checks to my account. 

After A LARGE number of calls, over a 90 day period, Chase Auto Finance was able to find and correctly post my XXXX payment -- which is great, but to-date, Chase Auto Finance can not account for the XX/XX/XXXX payment. 

I have twice printed statements from my bank showing the issuance of the XXXX XXXX ck and the cashing of that ck on XX/XX/XXXX by Chase Auto Finance. I provided the printed copy of my bank statement to my local Chase Bank, and bank staff at that location, on two different dates ( the first time Chase Auto Finance lost the fax (!! ) ) faxed my bank statement to Chase Auto Finance. 

I have escalated this issue to Chase Auto Finance ' corp office and still no resolution -- in fact they closed my case after finding only the XXXX payment. 

Interestingly, today I called the XXXX XXXX offices in Michigan, spoke to a person by the name of XXXX and he laughed because HE IS GOING THROUGH THE SAME PROBLEM!! 

Please help! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Cell : XXXX EMAIL : XXXXXXXXXXXX Chase Auto Finance Case # : XXXX Phone : XXXX ext : XXXX : XXXX
Consumer complaint received 2018-10-01
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: LDF Holdings, LLC (MD)

I sent an email to them on XX/XX/17 requesting that I be able to close the account and continue to make smaller payments until paid in full and they never got back to me. Paying XXXX XXXX  interest is way out of my league!!