davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BMW Financial Services NA, LLC (TX)

Requested FEMA Disaster Relief to be applied to payments ( XXXX XXXX ) due to back to back disasters and a request to lower payments to {$800.00} due to financial hardship once payments resume. Company has engaged in delayed tactics, unethical practices of requesting evidence of disaster and then providing inaccurate information ( such as manager providing wrong email to submit said evidence ) and then ignoring follow up request while placing account in a repossession status unfairly. Member service representative confirmed email was received and despite not getting a response from their time frame of two business days ( it's been a week ) they refuse to provide any information on who is handling and they continue to add late payment fees onto the account and kept in repossession status.
Consumer complaint received 2024-08-07
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (WA)

XX/XX/XXXX. I received a balance due of XXXX because of fees and a partial payment due. I had called them to let them know I can not make XXXX payments in a month and moved the payment to align with my paychecks. I received a notice that a payment is due on XX/XX/XXXX in the amount of XXXX and XXXX more scheduled payments for XX/XX/XXXX and XXXX they have taken over XXXX in fees for a XXXX loan and then has added more fees so the loan will not come down even with my payments. I have asked for monthly payments and they refused.. I can not make XXXX to XXXX payments to them when I get paid XXXX  a month..they refuse to work with me or give me a fee document.
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I recently reviewed my credit report and noticed an account that was not reporting accurately.i had two late payment on a account that was in fact paid on time.the consumer reporting agencies need to report all information with complete accuracy.this account has not been late on payments.Ive attached a copy of my report to this complaint on the following TransUnion dates for XXXX XXXX account XXXX shows a late payment on XX/XX/XXXX. It says 30 days late. XXXX dates for XXXX XXXX account XXXX shows a late payment XX/XX/XXXX. It says 60 days late. Experian dates for XXXX XXXX account XXXX shows a late payment XXXX XXXX says 30 days late. 

The 2nd error on all three credit bureaus reports comparisons is TransUnion dates for XXXX XXXX XXXX account XXXX shows a late payment XX/XX/XXXX. It states in been late 30 days. XXXX dates for XXXX XXXX XXXX account XXXX shows a late payment XX/XX/XXXX. Its been late for 30 daysXXXX dates for XXXX XXXX XXXX co account XXXX shows a late payment XX/XX/XXXX. It says 60 days.im now requesting you to investigate the accounts and update these payments to paid on time immediately.thank you for understanding and prompt action.
Consumer complaint received 2017-03-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Talbot, Adams, & Moore, Inc. (TX)

This debt pertains to an old apartment community which I believe is illegally attempting to report debts, as the community itself is in extremely poor condition and we were not originally notified of any problems upon move out. The company they have hired to collect the debt has refused to provide verification in the previous 4 years that I have been trying to obtain it. Three letters and three phone calls and they continue to call despite the fact that it is illegal. They threaten and condescend despite the fact that this is n't about the money, it 's about the legality of the debt to begin with and their failure to comply with the law.
Consumer complaint received 2024-08-20
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: JPMORGAN CHASE & CO. (AR)

I want to share my recent experience applying for a United Airlines credit card through Chase Consumer. Last week, I applied for the card after seeing an offer on the UA website that claimed I was pre-approved for the card and it would save me {$300.00} on a ticket. I reluctantly applied as I did not need the card, but the {$300.00} credit would have been helpful for my daughter 's flight from XXXX, as my mother had passed away. 

Unfortunately, I did not receive an immediate answer after applying, so we had to purchase my daughter 's flight with another airline. Later, I received a letter from Chase stating that they suspected my information had been compromised and asked me to contact them if I had applied for a card. 

I was aware that my credit score would be affected by the application, but I would not have applied if it hadn't been for the pre-approval offer. Now, my credit score has dropped significantly, and the only communication I received was the above letter.

I reached out to Chase, and they mentioned that the approval process is usually instant but can sometimes take longer. They apologized for my situation but said they would make sure that my " voice was heard '' but that there was nothing they could do. 

I believe it's unfair for a credit card company to claim pre-approval and then not follow through with it. This has put me in a difficult situation, especially considering the loss of my mother and the financial burden of my daughter 's flight. I expressed my disappointment to Chase, but it seems like there is nothing more that can be done. 

I would like to say that the people who I worked with in customer support were very nice, and they tried to help as they could. But, when your hands are tied, there isn't much that you can do.
Consumer complaint received 2024-09-03
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (FL)

I called and went to bank I try and handle it but cut it off for no reason months ago Pursuant to 18 usc 8, i owe no debt, this company is violating my consumers rights to privacy to 15 usc 1681b 2.company have NO permission to report ANYTHING using my info to Pursuant 15 1681 4.
Consumer complaint received 2024-08-29
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (CA)

To whom it may concern Please send me a debt validation claim per 15 USC1692G 1 I want you to send me a full detailed list of payment history on this account.

2 I want you to see the original signature that I agreed to on the contract with the creditor.

3 has it been any insurance claim found on this debt 4 I want to see the claim of Title that you have to collect on this debt.

Please provide all the documents within 30 days or please remove it from my credit report.

Thank you
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Consumer Adjustment Company Incorporated (VA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2016-08-02
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (GA)

My original mortgage owner filed for bankruptcy. Later, Chase said I was to pay them because they were the new owner of the debt. I went to the courthouse and ownership was not assigned to Chase. My name and the original mortgage company was on the deed. I contacted Chase about it and the sent me a letter acknowledging that they did not have Power of Attorney of my house yet they are trying to foreclose on it. I filed the paper work from the stating that at XXXX XXXX courthouse. In the meantime, I was denied at least 4 times for a modification. Now, chase has continually filed for foreclosure on my house. They want me to modify my loan with them, but I filed for bankruptcy and Chase purposefully did not reaffirm my debt then tried to foreclose because they did not reaffirm the debt. I went back to the courthouse and now Chase place an assignment on the deed, after they filed for foreclosure. In GA, assignments must be made before filing for foreclosure. I retained an attorney. He found know robo signed names on all of the assignment paperwork. My attorney no longer practices law but I do have all of my files. I do not have the money to hire another attorney, but Chase does not have nor have they ever had any legal rights to the house and are trying to force me out illegally. Also, most of this started with I applied for a mortification a few years ago. I was under trial payments, after I paid the trial payments on time, I did not receive any additional info from Chase. I called and was told to wait until I receive correspondence concerning the next steps. The next correspondence I received was when they filed for foreclosure. This has been going on for a few years. I need some type of resolution on this matter because Chase does not believe they have done anything wrong and I have already exhausted thousands of dollars trying to fight them.
Consumer complaint received 2024-07-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Fay Servicing, LLC (CO)

I received a payment stating that I was XXXX payments in arears with XXXX payment past due. At loan origination, I set up payments to be made via auto debit. My bank account is always debited on the XXXX of the month as agreed. Fay Servicing will not explain to me why or how I can be past due in the payment process.
Consumer complaint received 2024-09-03
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Key 2 Recovery, Inc. (TX)

I have advised on numerous occasions that the balance on account they are trying to collect is from XXXX. They are now reporting this collection account on my credit report which is way past the statute of limitations. Key 2 Recovery is trying to state this balance is from XX/XX/XXXX which is 100 % inaccurate.
Consumer complaint received 2016-05-13
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Exeter Finance, LLC. (OH)

2 1/2 years ago I purchased a XXXX Chevy Malibu. 1 month ago the Malibu was rear-ended and totaled out by state farm insurance. At the time of purchase, the XXXX Malibu had XXXX miles on it. I spoke with a rep from Exeter Finance ( my former finance company ) and the rep stated that I still owe {$7100.00}. XXXX XXXX sent Exeter Finance a final payment for the XXXX Chevy Malibu in the amount of XXXX 
At this time I am satisfied with the final payment to Exeter and I feel that I am NO longer obligated to any cost concerning the XXXX Chevy Malibu. 
You can reach me at XXXXXXXXXXXX or via phone XXXX to help resolve this matter. Thanking you in advance XXXX XXXX.
Consumer complaint received 2017-01-23
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: JPMORGAN CHASE & CO. (IL)

I sent a letter to CHASE CARD letting them know I had been a victim of identity theft years before the accounts had even showed on my credit report and I provided my supporting documents and police reports made about the identity theft and CHASE CARD refuses to delete the fraudulent accounts from my credit report stating in a letter its verified. CHASE CARD provided no physical evidence to why they wo n't remove it, according to the FDCPA and FCRA they have violated the law and I am well within my legal parameters to file a civil suit along with defamation of character against them. If they do not delete these accounts that are not mine that resulted from identity theft I will exercise my legal rights and file a civil suit.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I was a victim of identity theft and I am currently in distress and suffering from anxiety because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I am writing to request that you block the following Incorrect information from my credit report.
Consumer complaint received 2024-07-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in months that are reported late to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-09-01
Product: Credit 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: AMERICAN EXPRESS COMPANY (IL)

first complaint on XX/XX/XXXX a fraudulent charge from XXXX 's in the sum of XXXX was made, The card never left my possession, first week or so into XXXX I noticed and I closed my card and called American express. a couple weeks later I get a letter saying my card was used in the terminal via chip however its simply impossible because I had the card. American express stated that the actual card was used via chip but simply not true. my XXXX works in XXXX XXXX and tells me that chip fraud is possible and its not impossible, I was told by American express that the only way to take information out of a card was via the magnetic strip but a simple google search and having a son who deals with these kinds of situations from time to time in a new form of fraud called shimming. 


Update : Second complaint American express has not helped in any kind of way I still owe XXXX dollars of something i didn't purchase. this article is proof my son sent me that copying a persons card matching its unique XXXX XXXX can be done and is new while American express told me it is impossible. I am a victim to what seems to be a new form of fraud. 

XXXX XXXX XXXXXXXX
Consumer complaint received 2024-07-01
Product: Credit reporting 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. (GA)

YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report it has come to my attention that your office have again violated my privacy. 15 USC 1681 ( a ) ( 4 ).
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

In XXXX of 2018, my XXXX credit card stolen and maxed out. I immediately notified XXXX of this but they did not close my account. They continued to come after me to collect the balance of the card that was run up by the thief. 

They began to report negative information to all credit bureaus that I was delinquent and that they eventually closed the account. The account was then given to an attorney who sued me for XXXX in XXXX XXXX. I provided affidavits and documentation of the identity theft and the lawsuit was dismissed. 

I've been trying for YEARS to get XXXX to stop reporting this incorrect information. In the past month, I've sent XXXX separate affidavits demanding that they remove the information and included my personal identifying information, police reports of the theft, copies of the lawsuit information, pictures of my driver 's license, pictures of my social security card, and a copy of a utility bill. XXXX did not even investigate this claim. They merely sent a standard letter saying they couldn't find my account and I would need to fill out another form. This has gone on for years. 

My credit has been ruined. I can't even qualify for a new house because of XXXX failure.
Consumer complaint received 2024-09-03
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (TX)

I submitted a dispute on XX/XX/XXXX for {$5400.00} and as of XXXX XX/XX/year>2024 it has not been resolved. I provided several information that provided clearer proof that I was scammed or a victim of a bait and switch and was giving no resolve. 

The people in the dispute center did not understand what a webinar was and kept asking me the same questions, even with proof, Citi has a reputation of not resolving disputes. They did not help nor protect as they say they would.
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2019-04-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (NY)

I deposited a check that was endorsed to two parties, and was told I needed verification of the funds. Once verification was received my account was still closed and I was told my accounts remaining balance would be mailed to me. One check for the balance and another for the held funds of {$24000.00}. I was informed it would take 7 business days from XX/XX/2019. I received the funds two weeks later for an amount of XXXX, but I never received my check for XXXX. I have called once more to inquire and was told they could not see that account or any notes on my accounts closure what so ever. It was as if I never had this problem. I have the receipt of my deposit as well. I just want my money, I have been back and forth with the bank the entire month until they finally decided to do called mail everything and I have yet to receive the funds. It is causing financial hardship as I need the money to pay off a loan to lower my monthly DTI and buy my home. This has been a financial hardship on my not only losing my account but that amount of money to be held is absolutely ludicrous.
Consumer complaint received 2024-06-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$8800.00} XXXX XXXXXXXX Balance XXXX {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$3100.00} XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$630.00} XXXX XXXX XXXX XXXXXX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.