davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-18
Product: Credit card or prepaid 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. (NH)

I made an online purchase for website service. I was unhappy with how the process was going so I asked for a refund. I did n't hear back from the merchant so I disputed the charge though Chase. After a couple of months my claim was rejected as more paper work was needed. I was able to redispute the case after sending in further paperwork. I received no updates for months and had called myself weekly. After the deadline for the merchants bank passed I received a notice that I again had lost the dispute.
From there I contacted the merchant to try to work out receiving what I paid the {$1600.00} for. They informed me that I indeed won the dispute. They also provided me with paperwork on the matter showing that I had won.
I called there bank which is  XXXX  and to my surprise  XXXX  also confirmed that I had won the dispute. They told me I needed to speak with a higher ranking team member at chase to resolve the case as there was nothing they can do because I won the case and chase needs to remove the funds from limbo and apply them to my account.
I have spoken to chase many times in the last couple of weeks but have been unsuccessful in speaking to a team member that can help.
I informed them that if a case manager could n't get back to me in a timely manner I would be reporting them to the trade commission and here I am.
Please Help!   XXXX   XXXX
Consumer complaint received 2017-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc. (NY)

We leased a vehicle in  XXXX  of 2015. Part of the incentive was that the dealer would make the first payment of the lease. When we arrived to pick up the vehicle, we were informed that due to " credit '' issues ( which were not elaborated on ) we were required to pay an additional {$500.00} ; This was only disclosed when we arrived - not before. Since it was too late for us to change our mind, or get another vehicle elsewhere, we decided to pay the {$500.00} - HOWEVER, when they actually added up the invoice, they added yet another {$500.00} and then denied that they did so. We had to call the manager to re-calculate - and she then advised that we were right, and there was another {$500.00} added that should not be. Apparently, The dealer never lived up to its promise of making the first payment on our behalf - which was the original incentive for us to lease the vehicle. We set up 23 payments ( the lease was for 24 ). ALL OF WHICH WERE ON TIME OR EARLY. now GM FINANCIAL is reporting that I have a late payment on my credit report - which is NOT ACCURATE. I spoke with "  XXXX  '' at GM Financial who claims that she can not fix the credit report for at least 30-45 days, and only if she gets a letter from the dealer. My credit is very important to me, and I need to get this corrected, but my complaints are falling on deaf ears. Please help.
Consumer complaint received 2017-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: United Acceptance Inc. (TX)

This account is reported late payment on all my credit bureaus I paid this car on time never late for 2 years.i then only had 2 payments left which was about {$850.00} I traded the car in with the same dealership I got the car from and was told the check toward the credit company United Acceptance will be sent next day and paid off. I signed for a new vehicle and drove off. I called every few. Days to make sure everything was paid off and was told it will be handled that day.. 2 weeks went by and was told it was sent off ... I later found out I had a late payment on my credit report .. I have tried to dispute this for a year now. This is not my fault I believe!! I even told the dealer and they said you can easily dispute this As you see on attached file, it was closed " PAID '' off in XXXX so it only makes sense of my issue I also need this to state PAID NOT CLOSED!!! I paid 2 years to pay this account off
Consumer complaint received 2017-07-18
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (WI)

I have a right to have my Federal student loans discharged under school closure for fraud, and other by   XXXX   XXXX  .
I was attending the   XXXX   XXXX   XXXX   XXXX  , working towards a   XXXX   year degree. ( Started in    XX/XX/XXXX ). In the fall of   XX/XX/XXXX , I  was to start my last semester. I decided to continue on with a   XXXX   XXXX   degree program    instead. I was told I would have to switch online location to another   XXXX   XXXX  . So, they enrolled me in another to start   XX/XX/XXXX . 
I then received an email that the school was closed and I could not attend. The MN attorney generals office had won a lawsuit that shut their colleges down. They were no longer able to receive government student grants/ funding, etc. Also endless articles in the media. And to date WI and South Dakota schools were closed as well.
Navient has repeatedly denied they are closed. I have submitted all of the appropriate paperwork multiple times, to different addresses, plus evidence of my own. I also have a letter Navient sent me in    XX/XX/XXXX     stating ... 'due to school closure ... under federal law I have a right to have federal loans discharged ... ' They also stated in their last letter that under the Department of Ed., the school is n't closed. However, their own letterhead, dated   XX/XX/XXXX , also be ars the U.S. Department of Education stamp/seal at the top.
I am going on 6 months of Navient telling me a closed college is open. And refuses to follow through with the next step of discharging the federal student loans due to college closure for fraud, deceptive business practices, and other.
Consumer complaint received 2017-07-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (CA)

In or about  XXXX  2017, I entered a  XXXX  store with my roommate at the time to transfer my account to her as I was moving to a different location. The customer representative assured me that there would be no issues. My roommate was approved. My account was closed and my roommate 's account was activated. I did not receive any notification from   XXXX   at that time or any later date that there was a remaining balance on my account that closed.
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In or about  XXXX  2017, for the first time I received a notification from Diversified Consultants, Inc. ( a debt collection agency ) that a balance of {$260.00} remained on the closed   XXXX   account. This included a cancellation fee which the customer service agent in the  XXXX  store assured would not be applied because we were simply transferring the account to my roommate.
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On or about  XXXX   XXXX , 2017, I opened a new account with  XXXX .  XXXX  told me that they could not install my account until the " balance '' from the previous account was paid off in full. I paid that account directly with   XXXX   and the  XXXX  representative advised me that they would inform Diversified Consultants, Inc. of the account being paid in full.
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On  XXXX   XXXX , 2017, my credit report still showed that I owed a balance. I filed a dispute with   XXXX   on that date. The dispute was denied on  XXXX   XXXX , 2017. On that date, I called Diversified Consultants, Inc. who stated that my account showed paid in full. They claimed to have reported the paid in full status to the credit bureaus. When I called the bureaus, however, they stated that as of  XXXX   XXXX , 2017 the last information they received from Diversified Consultants, Inc. showed I still owed a balance.
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I am incredibly frustrated by this process as this was a lousy utility bill and a miscommunication from  XXXX , which is now resulting in a   XXXX    point drop in my credit score. I am also in the process of attempting to refinance my student loans and am being automatically denied because of the derogatory remark. This is unfair business practices by  XXXX .
Consumer complaint received 2017-07-18
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. (AL)

I pulled my credit report and I could not believe the items that was there. I had no knowledge of so many accounts! It was amazing to me. I always heard that this type of thing could happen but did not think it could happen to me. I reached out to the creditors to clear my name and they would not move, but instead they asked me for money. These Please help me to resolve these very costly mistakes. They are preventing me from living the life I have worked so hard to obtain. There are several accounts including Credit Control Services. I have no knowledge of any progressive account that I 've ever had and this is not my debt. There is a frontier communication account that I have no knowledge of. Please me to resolve these issues as well. Many inquiries and I am just sickened when I see so many knowing that I never authorized them. Please help!
There are inquiries from   XXXX   XXXX  ,   XXXX   XXXX   XXXX  ,   XXXX   XXXX     XXXX   XXXX   XXXX  ,   XXXX   XXXX   XXXX   XXXX  , and  XXXX . Please let me know how these companies have the right to place inquiries on my account with no authorization. Please just help me to resolve these errors.
Consumer complaint received 2017-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

There are  XXXX  very old  XXXX  accounts that are not supposed to be reporting on my credit. The  XXXX    XXXX   card account has an account number of "  XXXX ****** '' with an open date o f  XX/XX/XXXX . T he   XXXX     XXXX  card account has an account number of "  XXXX  '' with an open date o f   XX/XX/XXXX  .   Years ago, I ran into serious financial hardship and was not able to pay these accounts at the time. I communicated my situation to my creditors and  XXXX  was one of the companies who stated they would request a deletion to the bureaus of the   XXXX   charged off credit cards after I paid. It has been almost six years since I paid these accounts so I do n't understand why the credit bureau is only saying that  XXXX  is verifying the accounts. That is not even my dispute. I know these were previously my accounts. The credit bureau is not processing my dispute properly and this is one of the reasons this process has been delayed for so long. Just to be sure I 'm not being given the runaround, I called   XXXX   a couple of weeks ago and they told me they do n't even have the account in their records anymore! This is a problem because this credit bureau is refusing to honor my creditor 's deletion request.
Consumer complaint received 2017-07-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. (AL)

On  XXXX / XXXX /2017 I was shopping for a Surface Pro 4 on Amazon.com. I saw a link offering 0 % financing for 12 months on this item I wanted to purchase. I followed the link which led to a Amazon Signature Visa issued by Chase bank. On  XXXX / XXXX /2017 I reviewed my statement from Chase and saw an interest charge. When I called Chase they claimed that I had applied for the wrong card and that the 0 % interest deal was offered by a different bank. I 'm not sure who is more at fault Amazon or Chase, but this was classic bait & switch. I paid the card off in full to prevent further interest charges.
Consumer complaint received 2017-07-18
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. ()

I have made   XXXX   XXXX   withdrawal, amount :   XXXX   XXXX   on coinbase.com on   XXXX   XXXX   2017.
Coinbase website says : " Your  XXXX  will arrive by the end of day on Saturday   XXXX   XXXX  , 2017. ". It did n't. Transaction is still in 'pending ' state.
I have contacted coinbase support on   XXXX   XXXX   but did n't get any help. Money is still not transferred to my account.
Consumer complaint received 2017-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CT)

My current credit report lists      XXXX   XXXX   XXXX   XXXX   XXXX   as b eing  XXXX  past due with 9 missed payments since  XXXX  2016 and in adverse status. I have not MISSED ONE PAYMENT. I have made 31 payments since  XXXX  of 2016 totaling {$18000.00} ( see printout from the state of CT attached ). I called the state of CT and they told me to dispute the credit report with  XXXX . I did and they still did not fix my payment history or account status. They changed the balance, but not my payment history. This mistake is probably bringing my FICO down  XXXX  points.
Consumer complaint received 2024-10-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: RENASANT CORPORATION (MS)

{$1800.00} dollar was deposit into my account XX/XX/2024 {$500.00} dollar was deposit into my account on XX/XX/2024 {$100.00} dollars was deposit into my account on XX/XX/2024 which brought the total of my account to {$2400.00} they subtracted {$1000.00} from my account leaving the balance {$360.00} every purchase that was made as of XX/XX/XXXX to XX/XX/XXXX is in a negative and they are charging me {$700.00} in overdraft fee when I had the money in my account that they never credited to my account to cover my payments they stole my money
Consumer complaint received 2024-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

After reviewing my credit report, I discovered accounts that I did not recognize or apply for. Upon further investigation, I realized that my personal information was exposed in several data breaches as well. I have no recollection of applying for any of these accounts in question, and they are negatively impacting my credit. Per section 15 USC 1681 c-2, any fraudulent accounts that I did not authorize or signed a contract for must be removed off of my credit it 4 days! These fraudulent accounts are not only damaging my credit but also causing me significant stress and anxiety. I have no connection to these accounts and urgently request their immediate removal to prevent further harm to my financial well-being.
Consumer complaint received 2017-07-17
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ditech Financial LLC (IL)

I contacted Ditech Financial to set up payments for every 2 weeks so that I could pay my loan off earlier and save come interest. I was told that I could change my loan from a variable rate to 3.5. I then sent in all the information and was told that the title was not in my name. Funny, the tax bills come in my name.
Here 's his email   XXXX   XXXX  , The title company just verified that you are not the owner of this house. The title is in the names of   XXXX   and   XXXX   XXXX  . You can not refinance this property with them on the loan. I can add  XXXX  and  XXXX  do the loan if you like and add your name to the title.
Please let me know how to proceed.   XXXX   XXXX    www.ditech.com/  XXXX   NMLS License #  XXXX  Ditech, a   XXXX    Company Home Loan Specialist Ditech Financial LLC |   XXXX   XXXX   XXXX   XXXX   XXXX  ,   XXXX   XXXX  , PA  XXXX  Telephone   XXXX   | Fax  XXXX   XXXX  ditech.com See what our customers say about us : ditech reviews My mortgage is CURRENT.
What 's his scam? They even sent someone out to appraise the house-was that a scam too? Has this harmed my credit or my family in any way?
Consumer complaint received 2017-07-17
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: EQUIFAX, INC. (IL)

I was contacted by US Dept of Education/  XXXX   about a student plus loan that I did not sign for. During initial contact  XXXX  2017, I stated that this was not my debt and that I wish to report it as fraudulent activity. At this time I requested a copy of the loan documents from  XXXX . When I received and reviewed, I noticed several errors. The data on the loan documents were not my information, the contract was not signed and the signature was typed in, the loan documents listed an incorrect address, phone number and references. After disputing this information with  XXXX  I was told that I needed to file a police report, in which I did immediately. I provided the  XXXX  police report to  XXXX  ( incident #  XXXX  ), along with a statement notarized with my signature. Addtionally, I signed a certification/agreement of cooperation of identity theft claims and it too notarized. I received this form from www.myeddebt.ed.gov ( addressed to US Dept of Education -   XXXX   XXXX   XXXX    XXXX , TX  XXXX  ). This loan has been placed with a collection agency, who is reporting it on my credit reports. I 've also contacted the   XXXX   major credit reporting agencies asking them to remove and was told the debt has been validated by US Dept of Education. I 'm now being told by   XXXX   to provide my driver 's license and social security card and bills with my signature to prove this is not my signature. I feel I 've provided everything that has been asked of me and the debt has yet to validated made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I wish to file this complaint against US Dept of Education/ XXXX ,   XXXX   XXXX  , Equifax and  XXXX  for reporting inaccurate data.
Consumer complaint received 2017-07-18
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (OH)

I have received a letter of " Notice Of Court Proceeding To Collect Debt '' from someone representing themselves as Asset Acceptance, LLC   XXXX   XXXX   XXXX    XXXX , MI  XXXX  and no phone number. The address search results in Midland Credit Management Inc. and lists   XXXX   XXXX   XXXX   as a lawyer with the phone number   XXXX  . The letter states that I have fifteen days to do one of three things, otherwise failure to do so will result in garnishment of my wages. 1 ) Pay to us the amount due 2 ) Complete section of form entitled " Payment to Avoid Garnishment '' and 3 ) Contact my local municipal or county court or if I 'm not an Ohio resident then contact a municipal or county court where my employer is located to set up a trustee to receive garnishment. The letter additionally adds that I have the right to contact a budget and debt relief counselor but there may not be enough time to avoid garnishment. I did have a court judgment from Asset Acceptance in  XX/XX/XXXX  and I fully paid off the debt in  XXXX . In fact, my records show that I overpaid them. There were a couple scam things they did and I was foolish enough at the time to believe them which created the overpayment. I have heard nothing from Asset Acceptance for years. They were calling and harassing me for payment for a long time after the account was paid off. They sent statements that had incorrect amounts. One statement dat ed  XX/XX/XXXX  shows a n incorrect balance of {$1200.00} and another statement date d  XX/XX/XXXX  shows n   incorrect balance of {$7100.00}. I have another statement dated XX/XX/XXXX that states my account was transferred to a law firm   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  . These were all for the same account number. On XX/XX/XXXX  I received a call from   XXXX   XXXX   (   XXXX      XXXX   ) stating that he wanted to reduce my payments and insisted that he would cancel the current withdrawal from my bank and begin the lesser payment amount. This was untrue as both payments were attempted to be withdrawn from my bank account. Finally during one call from them I spoke to a supervisor and explained the account was not only paid off, it was overpaid and they owed me money. I also told him it was illegal for them to call and harass me about such an old debt. I have all bank statements that show the payments and after looking through them again I realized that they continued to charge interest after the court ordered them not to. What can I do to put an end to this harassment? This has created an amazing amount of anxiety for both my wife and myself. If they contact my employer for garnishment, I will be terminated. My employer has strict rules about garnishment as I work at a   XXXX   XXXX   XXXX   location.
The debt amount they show on the letter is {$540.00}.
Consumer complaint received 2017-07-17
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: CHARLES SCHWAB CORPORATION, THE (FL)

On  XXXX   XXXX , 2017, I was charged a {$25.00} ACH return fee for a  XXXX  purchase of {$59.00} made on  XXXX   XXXX , 2017 due to NSF.
Subsequently, on  XXXX   XXXX , 2017, I was charged another {$25.00} ACH return fee for the same purchase ( my account still did not have sufficient funds to cover the purchase ).  XXXX  attempts to RETRY several days after the first attempt resulting in the bank charging fees on the original ACH return as well as subsequent retries. On  XXXX   XXXX , 2017, I was charged yet another {$25.00} ACH return fee for the original  XXXX  purchase.
On  XXXX   XXXX , 2017, the same thing happened with my  XXXX  auto insurance autopay. I was hit with a {$25.00} ACH return fee. On  XXXX   XXXX , 2017,   XXXX    attempted an ACH retry. I was n't charged a return fee this time because the bank froze my account.
I received a letter on  XXXX   XXXX , 2017 from the bank saying that I had excessive return activity, and that they would close my checking account if it continued. Although I take responsibility for the original ACH returns, I am not in control of ACH retry attempts, and the bank is charging me fees multiple times for each retry ( even though ACH rules do n't consider retries as seperate transactions ).
I hereby dispute the fees and/or actions associated with ACH retries.