davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JPMORGAN CHASE & CO. (NY)

I hope this letter finds you well. I am writing to address a matter of concern regarding my credit account. I recently discovered that there have been late payments reported on my account, and I would like to request the removal of these late payment entries from my credit report. I want to emphasize that these late payments were not a result of negligence but rather a temporary setback that I have since overcome. XXXX XXXX XXXX  This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact me or their customer service. I kindly request that you investigate this matter and, if appropriate, submit a request to the credit bureaus to remove the late payment entries from my credit report. Your prompt attention to this matter is greatly appreciated.
Consumer complaint received 2023-12-20
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (PA)

On XX/XX/23 I made a balance transfer request with XXXX to pay {$2700.00} toward my balance at American Express. The payment never posted to American Express. I paid the interest accrued on the account and called AMEX to inquire about the status of the balance transfer. The representative stated it could take up to XXXX  days to process because of the timing of the check distribution from XXXX. I called XXXX for documentation which could be supplied to AMEX. I was provided a confirmation with tracking information for the electronic payment issued by XXXX to AMEX on XX/XX/23. I opened a case on XX/XX/23 with AMEX and uploaded the confirmation of payment. As of XX/XX/23 this payment has still not been applied to my AMEX. I am now paying down a balance transfer at XXXX while still carrying the amount at AMEX. This is incorrectly inflating the amount of revolving credit I am using and impacting my credit report.
Consumer complaint received 2023-11-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (NM)

XX/XX/2023 I reached out to JP Chase Morgan Bank. There is a business account # XXXXJPMCB CARD reporting to my personal credit. I have requested that it be removed, and have a tracking number : Tracking Number : XXXX FRCA CONSUMER LAW 15 USC 1681 SECT 602 H states I have the right to privacy.

15 USC 1681 SEC 604 A SECT. 2 states A consumer reporting agency can not furnish an account without my written instructions.

604 SECT 2 In general, subject to subsection, any consumer reporting agency may furnish a consumer report under the following circumstances and no other in accordance with written instructions of the consumer to whom it relates.

Those consumer laws were violated, and I have not received anything about written instructions to furnish to my credit report. I would like the account removed from my credit report immediately. I am in the process of purchasing a new home, and this violation of my rights prohibits my ability to do so.
Consumer complaint received 2023-11-17
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: Exeter Finance, LLC. (AL)

the company came to reposse my vehicle even though i made payments and was told i was making payments on a diffrent account and there is nothing they can do because it was a unknown loan taken out against my name for a vehicle i dont own. i sent company bank statements and confirmation numbers over to try and get this resolved. the vehicle the repossed didnt match the vehicle that i was making payments on without my knowledge. the company basically let someone take out a fradulant loan under my name and didnt even care if i had bank statements and confirmation emeails on the vehicle that i was paying on saying that i was putting it towards someone elses account. Need to get investigation on why my name has a vehicle that i dont even own let alone have in my possession.
Consumer complaint received 2023-11-16
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: PNC Bank N.A. (TX)

On XX/XX/2023, at approximately XXXXXXXX XXXX, I received a call from an individual identifying himself as XXXX XXXX ( contact number : XXXX ). XXXX XXXX claimed that I possessed a stock option buyback plan associated with a timeshare I own in XXXX. This revelation was entirely unexpected, as I had no prior knowledge of such a plan. XXXX XXXX recommended that I contact the corporate finance office for the timeshare at XXXX, instructing me to inquire about my book entry number and to furnish my member ID for the timeshare, referenced as XXXX. 

In the subsequent days, I engaged with various individuals and entities, including the finance department and XXXX XXXX himself, who provided guidance throughout the process. These interactions led to a series of requests for wire transfers with the ostensible aim of funding a brokerage account. Over the course of these interactions, I conducted several wire transfers that cumulatively amounted to a substantial sum of money. Regrettably, I have not received the funds promised, and it has become increasingly evident that this situation may be rooted in fraudulent activity. 

As of XX/XX/2023, XXXX XXXX XXXX communicated to me additional requirements, including payments for FBAR ( Foreign Bank and Financial Accounts Report ) reporting and other financial obligations. These requests extended beyond the limits of my financial resources, and it was at this juncture that I began to harbor suspicions that I may have fallen victim to a fraudulent scheme.

I would like to underscore that these transactions were executed with the genuine belief that they constituted bona fide investment opportunities. In light of recent developments, however, I am profoundly concerned that I may have been egregiously deceived and that the funds transferred have been irretrievably lost.
Consumer complaint received 2023-11-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (FL)

I would like to report an incident of misconduct by Wells Fargo concerning unauthorized transactions and lack of transparency in handling my account. 

In XX/XX/2023, I rented a car through XXXX, paying with a non-Wells Fargo method. The XXXX host falsely claimed damages amounting to {$2800.00}. Despite my dispute, XXXX held me liable. Subsequently, Wells Fargo debited this amount from my account without my consent. 

Upon reporting this to Wells Fargo around XX/XX/2023, an investigation began, and a temporary credit was applied to my account. This credit was later reversed on XX/XX/2023. On or around XX/XX/2023, I requested documentation from Wells Fargo to understand the basis of their decision. However, instead of providing the information, they issued another provisional credit and asked me to submit evidence supporting why I should not be liable for the charge. 

On XX/XX/2023, I sent a demand letter to Wells Fargo expressing my frustration with their unproductive and opaque handling of the matter ( see forwarded message ). On XX/XX/2023, I was informed that a " processing error did not occur, '' and the provisional credit of {$2800.00} would be withdrawn on XX/XX/2023. 

This situation demonstrates a breach of trust and duty by Wells Fargo. As my bank, they should protect my interests and funds. The constant reversal of credits and failure to provide requested evidence is unacceptable. 

Therefore, I request : 1. A thorough investigation into Wells Fargo 's handling of this issue. 

2. Permanent reinstatement of the {$2800.00} credit, as it was unjustly debited. 

I trust that you will address this matter with the seriousness it deserves and uphold the integrity of banking practices.
Consumer complaint received 2023-11-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC (CA)

My Social security number was used to open a Credit account with XXXXXXXX XXXX XXXX XXXX  back in XX/XX/XXXX. Account number : XXXX. The amount owed after the late fees came to the total {$480.00}. 

I found about the charges earlier this year XX/XX/XXXX, and tried to dispute it. Spring Oaks Capital LLC, debt collector denied my dispute XX/XX/XXXX and claims that I still owe the amount due. {$480.00}. I have repeatedly showed them tax documentation and called several times to prove my identity, but they continue to deny me. 

Spring Oaks Capital , LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX Email : XXXX I have lived in California since XXXX and have never moved out of state. My home address, has been my billing address since XXXX. I also filed a report with identitytheft.gov and submitted the documented letter to XXXX XXXX on XX/XX/XXXX.
Consumer complaint received 2023-11-13
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (CA)

I FOUND OUT XXXX MONTHS AGO I HAD A BALANCE OF XXXX XXXX ... I CALL THE COMPANY AND TRY TO WORK IT OUT WITH THEM INREGARDS TO THE INTEREST THEY CHARGE ME... I TOLD THEM I HAD NO PROBLEM PAYING FOR WHAT I PURCHASED BUT NOT PAYING FOR ALL THE INTEREST THEY CHARGE ME WHEN I NEVER RECIEVED A STATEMENT FROM THEM FOR THE PAST YEAR. A PERSON Can't PAY FOR SOMETHING YOU DONT GET A BILL FOR AND DONT KNOW ABOUT ... I ASK THEM TO HAVE SOMEONE CALL ME THAT COULD REMOVE ALL THE OTHER CHARGES THEY PUT ON MY ACCCOUNT.THEY DID NOT, I CALL BUT COULD NEVER GET SOMEONE TO WORK WITH ME ON THE EXTRA MONEY THEY ADDED TO MY ACCOUNT.ALL I WANTED TO DO IS PAY FOR WHAT I PURCHASE .IF THEY JUST REMOVE ALL THE OTHER CHARGES I WILL WRITE A CHECK FOR WHAT I PURCHASE. 

THANK YOU
Consumer complaint received 2024-03-05
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: KINGS CREDIT SERVICES (CA)

I have been deceived and lead to believe that an ongoing dispute I have with XXXX XXXX XXXX through their agent Kings Credit Services was a disputed account but according to my credit report ; on XX/XX/XXXX Kings Credit Services reported a Collection/Chargeoff with a derogatory account status to my credit report. The collector never told me they would change and override the status from dispute to a negative/derogatory account, which has consequently damaged my report. This is a violation of Fair Credit Reporting ( FCRA ) by their act of dishonesty and failure to notify me of this action which also overrides my dispute and changes its status to derogatory which is damaging. 
Not only is this a violation of my rights as a consumer ; along with lying, they have used manipulative, deceptive tactics. The debt collector has even attempted to reverse my dispute demands by simultaneously failing to render receipts as evidence of a carpet shampooing charge and brazenly tells me that the landlord requests proof of receipts of this charge on my part This kind of reversal and manipulation is exploitative, reminiscent of the landlord and their reputation. 
I have substantiated my claims with photographic evidence of the carpets which I will, again, attachof the before and after my tenancy ; the landlord can not charge someone for turnover costs that constitute ordinary wear and tear. My tenancy lasted for less than a year ( XXXX XXXX- XXXX XXXX ) and I have clear photographic evidence ( with dates included ) of these carpets being left in a pristine conditiontherefore with receipts involved or not, they can not validly charge me for this. 
The alleged debt is a fruit of the exploitative practices of the landlord in question. I will not allow further manipulation and deception. 
Highlighted in my demands, Ill state again that I properly gave my 30-Day Notice to Vacate which was dropped off in person at the landlords main office ; validated by my presence and signature as well as the precondition for a XXXX-balance on the account, it was dated, and I had a witness ( co-tenant ) present, along with the co-tenants signature. Also highlighted is my detailing of the explicit instructions written on my Notice for prorated rent to be drawn from the available funds of the {$1100.00} security deposit. Ill attach a copy of the 30-Day Notice once again.
Consumer complaint received 2023-01-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Lendmark Financial Services (SC)

The two companies Im reporting has charge offs on my credit that I dont even know about and Im a identity theft victim so I would like this problem handled please I would like everything erased from my credit report. Thank you
Consumer complaint received 2023-10-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Brown and Joseph, Ltd (CA)

I purchased a mirror and other items from XXXX XXXX in XX/XX/2023. The mirror was to be delivered by freight and I paid for shipping through XXXX XXXX ( {$55.00} ), and did not agree to pay any additional shipping that XXXX XXXX arranged ( nor was I asked to ). I was never contacted by XXXX XXXX or XXXX XXXX and never ( i ) entered into any agreement with them, ( ii ) agreed to pay any amounts to them, or ( iii ) requested or contracted with them for shipping services. It is apparent that XXXX XXXX did to arrange for shipping of the mirror I purchased ( for which I paid XXXX XXXX shipping ), and so the mirror arrived via freight in XX/XX/2023. 

In XX/XX/2023, I received a statement from XXXX XXXX saying that I was past due on payment. I did not know what the statement related to, and on XX/XX/2023 I emailed the contact on the statement ( XXXX XXXX ) saying I have not contracted with XXXX XXXX and requesting him to " Provide appropriate details so that I may determine whether this statement is legitimate or fraudulent. '' I did not receive a response. 

In XX/XX/2023, I received another statement from XXXX XXXX repeating that I was past due on payment. XXXX XXXX was once again listed as the contact, and on XX/XX/2023 I tried to call him ( but was sent to voicemail ), and so the same day I emailed him again and reiterated that I have never contracted with XXXX XXXX for anything, and to please respond to my initial email and explain why I am receiving statements. I also said at that time that if I received another statement without explanation, I would report them to the appropriate governmental authorities. 

In response, XXXX XXXX looped in one of his colleagues, XXXX XXXX. XXXX XXXX then emailed XXXX XXXX ( with me copied ) and asked them to check the bill of lading, which was attached to the email, and advise if it can be billed to XXXX XXXX ( as it should, as ( i ) I already paid XXXX XXXX for shipping, and ( ii ) XXXX XXXX is the contracting party, not me ). The bill of lading also said on the " Invoicee '' line " XXXX ''. It was at this time that I realized what the debt related to, and that it is not my debt to pay. 

I assumed XXXX XXXX would pay the debt and that would be the end of it, but instead I received a letter dated XX/XX/2023 from Brown & Joseph LLC, which says they are a debt collector and that I owe {$150.00} to XXXX XXXX ( a subsidiary of XXXX XXXX ). 

Despite reasonable attempts to get XXXX to bill the appropriate invoicee and no basis for them to conclude that I ever agreed to pay them anything ( and knowledge as to who the correct invoicee is ), they have instead repeatedly sent threatening mail and now referred a debt that I do not owe them for debt collection. I do not want to pay someone else 's debt, but I don't know how to get them to stop otherwise. Please help me. 

Respectfully, XXXX XXXX
Consumer complaint received 2023-10-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (FL)

During Co-Vid I had this agency reach out to me regarding my student loans. I was ensuring that they were part of the Fed loan student processing center. They have informed me that if I make consistent payments of {$39.00} monthly for the next 10 years, my remaining balance will be removed. They sent me documents via mail and email, with the Department of Education logo. I was convinced it was the Department of Education. 
Moving forward, when I received my letter from XXXX, which I was transferred to I contacted them. I informed them that I have been making payment monthly since XX/XX/2022, of {$39.00}. They ran the agency I was in contact with and informed me this was fraudulent. The Fed loan Consolidation department is not with the Department of Education. XXXX provided me with all the websites I must report to. 

This third party agency has all my information. I had to close my checking account with XXXX XXXX and open a new one because I had them on auto-pay. I have paid this since XX/XX/2022, until the present day in the total amount of {$810.00}.
Consumer complaint received 2023-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

As a consumer, I am aware of my rights under the Fair Credit Reporting Act. I am writing to officially dispute incorrect information that appears on my credit report, which I believe has been erroneously verified by the major credit bureaus despite my multiple attempts at correction. The item in question is related to an account held with XXXX XXXX. Your company has marked this account as " charged off '', but then it is a collection. I assert that this information is not only incorrect but also has unjustly caused significant damage to my credit standing over a period of years. How can an account be charged off the same day I reach out to the company to try and take care of the balance? Coincidently the account was also closed on XX/XX/22 the same day I emailed the them trying to pay my balance. If the account wasnt closed previously, how was it in collections & a charge off for 23 months? The email chain will be provided & credit report in email chain differ from new one provided. This company is fraudulent with deceptive illegal business practices. I never received one correspondence stating that my account was in collections or charged off. For the purpose of accuracy & fair credit reporting, I insist on receiving a document with detailed proof of this alleged debt verifying that this account was indeed charged off and placed into collections. If such documentation can not be provided, I kindly request that you rectify this error by deleting the inaccurate account information immediately. Failure to rectify this matter could result in me seeking legal remedies for the damage done to my financial reputation. I have maintained meticulous records and screenshots documenting the sustained damage caused by this error, which I am prepared to present in a court of law if necessary. I am hopeful that this issue will be resolved promptly and amicably, and that it will not escalate any further. Once again, please render proof of the charge off or delete the account.
Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA (TX)

The FedLoan is reporting that I was 90 days late in XX/XX/2019 and 120 days late in XX/XX/2019. This matter is incorrect. In XXXX of 2019, I recently completed my income-driven payment plan. The information reported should not be on my credit report. This was also during a time of medical hardship, I was diagnosed with XXXX XXXX  and had to have major XXXX. I qualified for the Income-Driven payment plan, and I was told that my account would be backdated and updated to current. That also included my payment history to the credit bureau. As you can see in the attached document, the reporting makes no sense. It goes from current to 90 days late, etc. I request that this payment history be updated to reflect a current payment history. 

I tried to contact the creditor with no success. My loan has been sold to another loan servicer and my request was disregarded. I tried to explain to the new loan servicer that this reporting of my payment history was incorrect and asked for it to be updated to reflect that it was current. They stated that they were unable to update this payment history because the debt belonged to FedLoan at the time of reporting.
Consumer complaint received 2022-11-08
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained more than 68 times nonstop this is exhausting they are not putting these fraudulent inquiries in dispute and they still haven't deleted them either I am XXXX. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 90 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and XXXX  from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have one negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and negative account its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im homeless n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation with and me and my son are bout to be homeless please help
Consumer complaint received 2023-07-15
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. (FL)

credit account company reports that I didn't pay a balance of a credit card in 2016 when I was only XXXX XXXX XXXX XXXX. account information is not accurate and to my understanding people under XXXX are not even able to pull credit cards out.