davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-08
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (TX)

On or about XXXX of XXXX, after having near perfect credit, I noticed several frivolous and fraudulent charges and called into Chase Customer service to dispute charges. 

I was later informed by a supervisor that the rep was new to his position and had CLOSED my account instead of disputing the charges in question. 

I asked for them to re-open my account and dispute correctly, but was told they would have to do a " review '' and in that process ALL of my chase accounts were closed and sent to collections. 

The charges in question are not mine and I adamantly attempted to dispute them directly with Chase with little to no prevail per the " The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq '' these charges should be dismissed and properly disputed. 

Now JPMorgan Chase is now suing me in court - XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-12-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I filed a dispute with TransUnion about late payments on my account with XXXX XXXX XXXX XXXX. I contacted the credit union to find out when the late payments happened. There were no late payments the credit union made a mistake. I have disputed with TransUnion and the credit union has disputed with TransUnion. But they will not change the payment history. And they will not let me dispute the charges anymore.
Consumer complaint received 2024-07-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Creditors Bureau Associates (MO)

I have requested an itemized documentation from this company for serval months ( XX/XX/XXXX and XX/XX/XXXX, XX/XX/XXXX. XX/XX/XXXX and XX/XX/XXXX ). Creditor Bureau Associates will not respond to any request as I have sent Certified mail but continues to report to all ( XXXX ) Credit Bureaus monthly. The agency has currently added an additional account to my credit report which is duplicative to the ( 2 ) original accounts after several moments. Correspondence attached.
Consumer complaint received 2023-05-28
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: EQUIFAX, INC. (NJ)

XX/XX/2023 Ive called ( XXXX  ) credit reporting agency.. well as ( Equifax ) credit reporting agency well as ( transUnion ) credit reporting agency Ive sent my drivers license social security card a bill from my home.. I cant see my credit score at all I been paying ( XXXX ) for there services..they didnt update my credit score at all..Im trying to get ( apartment )..
Consumer complaint received 2023-04-20
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. (CA)

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2022 XXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-27
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: DriveTime (AL)

XX/XX/XXXX we purchased a car we thought was only owned by 1 person! 

XX/XX/XXXX we notified the dealership of a dashboard issue. 

XX/XX/XXXX the car would not turnover and stalled. We went to the dealership and was told we had to call customer service for warranty details and they refused vehicle return. 

Issues with the car was ongoing. And the warranty promised did not cover electrical issues on the car and the issues were electrical. 

Ive advised them on several occasions I was unable to pay for the car because it was not properly functioning and asked them to pick the car up multiple times! 

I continued payments so my credit was not damaged due to reading recent reviews during that time. 

Car was still not working properly all of XXXX, we had no known location to return the car to as requested with agents and salesman. 

Ive disputed the inaccuracies to all credit bureaus and yet i am still seeing this account and the collections company dies not answer it return my calls! XXXX  have not properly addressed my concern and had kept this damaging falsified collection on my credit behind 2 disputes with documents from me!
Consumer complaint received 2024-07-13
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Paypal Holdings, Inc ()

Request for Account Limitation Review and Resolution - Ref ID : XXXX Dear PayPal Support, I am writing to seek clarification and assistance regarding the recent limitations placed on my PayPal account ( Reference ID : XXXX ). 

Before my account was limited, I added a credit card to my PayPal account. As part of the verification process, PayPal charged a small amount to my credit card to send me a 4-digit code for confirmation. I was informed that this code would be available within 3 days. However, shortly after this process began, I received a notification that my account had been limited. 

This limitation is preventing me from completing the verification process and is significantly impacting my ability to conduct personal and professional transactions, including processing a necessary refund for a client. The transaction details are as follows : - **Transaction Date : ** XX/XX/year> - **Ticket Number : ** XXXX - **Recipient Email : ** XXXX I kindly request the following actions : 1. A detailed explanation of the reasons for the limitation placed on my account.

2. Guidance on how to complete the credit card verification process and confirm my account. 
3. Steps I need to take to resolve the limitation and have my account reinstated.

4. Assistance in processing the pending refund to ensure my client can be reimbursed without further delay. 

Please let me know if there are any additional documents or information required from my end to facilitate this process. I am committed to resolving any issues promptly and complying with PayPals policies. 

Thank you for your prompt attention to this matter. I appreciate your assistance and look forward to resolving this issue as soon as possible.
Consumer complaint received 2024-07-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc. (NY)

I have contacted Nelnet over XXXX times now ( in each form of communication ) to try and figure out why my XXXX has been in review for 6 months now. I have submitted all of the proper documentation. XXXX approved the application and sent to nelnet. Nelnet has completely failed to respond. Does not answer emails. Does not answer phone calls. Can not provide you any information about your loan. All they do is copy and paste the same message. Everyone in that customer service center should be fired immediately. Stealing tax payer money to do nothing. This is the biggest joke of a company Ive ever dealt with and im not surprised its government related. Theyre protected to do whatever the XXXX they want and its unacceptable. I still have not gotten the information I need and it has been 6 months, XXXX phone calls, XXXX emails and even hand written letters.
Consumer complaint received 2024-05-12
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC. (GA)

As of XX/XX/2024, I started reciveing letters in the mail from attorneys telling me I need to hire them because I'm being sued by Midland Credit Managment. I have been calling them asking for validation of what it is they are trying to say I owe and from whom since XX/XX/2024. No response, I have disputed with all 3 credit agencies and I'll I get is " the debt is valid " but no one can provide proof. Now they are trying to garnish my wages.
Consumer complaint received 2023-12-11
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)

I have diligently contacted Transunion on dates between XXXX XXXX XXXXXXXX via certified mail ( enclosed are copies of the receipts ) and have made numerous calls to their customer service department. Despite my persistent efforts, the inaccuracies on my credit report have not been corrected, causing severe financial consequences for me. These inaccuracies include incorrect reporting data along with accounts that are not mine. Transunion has continued to verify these accounts as correct and have failed to provide in accordance with the law the request verification.
Consumer complaint received 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kikoff Inc. (NY)

My credit limit was raised from {$2500.00} to {$3500.00} for my Kikoff XXXX Account in XX/XX/2024. I submitted disputes to XXXX, and have been calling them directly to update the Kikoff XXXX Account with all of the correct information. I have also called " Kikoff Lending, '' so many times that I can't even count the total number. I have submitted documents to XXXX and Kikoff Lending, but each company says that it's the other company 's fault. In XXXX 's credit report dated XX/XX/2024, the " historical Account Information '' XXXX shows the correct information for XX/XX/2024, but in XX/XX/2024 the information was changed back to what's listed for XX/XX/2024, in the XX/XX/2024 box showing " last payment made '' XXXX reports it as " XX/XX/2024, '' but for XX/XX/2024 they ( XXXX ) inserted, verbatim as " last payment made as XX/XX/2024. '' XXXX literally inserted information as if for XX/XX/2024 we went back in time and posted XX/XX/2024 's information. I have tried over and over again to have this account reported correctly, but to no avail. I am fighting XXXX and Kikoff Lending to fix this, and have been lied to and given the run-around. Neither company seems to want to take responsibility for this account 's correct reporting. XXXX has hung up on me several times, and Kikoff Lending doesn't seem to be doing anything about it. This is unlawful, and possibly " credit report manipulation '' is taking place.
Consumer complaint received 2023-12-28
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC (IL)

Payment was already paid with XXXX over 5 years ago. No debt with XXXX. I have no business with you as email and any other forms of contact is harassment and will in return use a lawyer if bothered again by this. Like I said debt was paid.
Consumer complaint received 2023-12-11
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. (FL)

Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. According to 15 U.S.C 1681a ( 2 ) ( B ) and 15 U.S.C 1666 ( B ), I have a right to privacy and did not consent to any information pertaining to late payments being reported on my consumer report. Reporting late payments is unlawful/illegal.
Consumer complaint received 2024-07-02
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY (VA)

Wells Fargo in their responses indicated that it is the duty of the owner to notify the police if illegal occupants are on the property but Wells Fargo and their affiliates utilized the local police to remove the legal occupant XXXX XXXX XXXX from the property and the legal owner notified the insurance company and have yet to be paid for injuries sustained to her personally, professionally or to her property.
Consumer complaint received 2024-07-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: WELLS FARGO & COMPANY (VA)

There is no evidence that Wells Fargo or other affiliates paid XXXX XXXX XXXX XXXX XXXX XXXX funds over the amount due from a sale, etc. No evidence that a trustee ( substitute or otherwise ) is able to convey the property.
Consumer complaint received 2024-07-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: WELLS FARGO & COMPANY (VA)

Wells Fargo is alleging a few things. 

XXXX. The mortgage of XXXX XXXX XXXX was not reaffirmed in XXXX after a XXXX filing that was supported by a homestead deed of exemption signed by XXXX XXXX XXXX and evidence of no delinquency in mortgage. 

XXXX. Wells Fargo is not responsible for the conduct of the states XXXX of XXXX ( State of Virginia or otherwise ) that decides to revoke a person 's license because they refuse to give up their property or to take up the matter as a method to deny reinstatement. 

XXXX. Wells Fargo is alleging that the Substitute trustee or trustee has the right to convey property per the contract but has not provided XXXX XXXX XXXX with a copy of such. 

XXXX. Wells Fargo is alleging not receiving money from XXXX XXXX XXXX I guess since XXXX when the XXXX  case closed but a payment history refutes that information and XXXX XXXX XXXX specifically filed another XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX VA in XXXX when the U.S. XXXX Court refused to return monies she paid in court because they distributed those funds to her attorney and Wells Fargo XXXX Wells Fargo refused XXXX return all monies misapproprated and not applied to the account of XXXX XXXX XXXX XXXX and XXXX Bank denied having anything to do with the money paid inside and outside of the U.S. Bankruptcy Court , to Wells Fargo or the escrow account of XXXX XXXX XXXX which is the duty of a trustee. 

XXXX. Wells Fargo asserts that XXXX XXXX XXXX had approximately XXXX in assets when she applied for a mortgage and it is assumes that it includes the land but Wells Fargo is denying XXXX XXXX XXXX the right to her property along with others such as the XXXX XXXX XXXX XXXX, state or local courts, etc.
Consumer complaint received 2024-06-20
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (OH)

I decided to close and pay off my Lowe 's credit card account. On XXXX I made my monthly payment of {$39.00}. 
On XXXX at XXXX a.m. I call to find out how much I owe and to close the account. I talked to a lady named XXXX. That was at XXXX a.m. after I closed my account I paid off the balance of {$1100.00}. On XX/XX/year>. 
On XXXX I received a statement saying I owe {$22.00} for interest from XX/XX/year>, after I paid this account off. How can that be when I already made that monthly payment and then paid the account off in full.
Consumer complaint received 2023-12-27
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Deinde Online Services, LLC (AZ)

I originally reached out to figure out a way to start making payments when I got money, that was a week ago on XX/XX/XXXX. They reached out today XX/XX/XXXX asking why I havent yet I informed them I havent been paid yet due to holidays they said I was giving excuses and then they threatened legal action on me
Consumer complaint received 2024-06-14
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (VA)

What gives Synchrony Bank the right to raise the interest rates on all my gas cards to 34.4 %? I thought the max was 29.99 % default rate. I have never been late or missed a payment on any of them ( XXXX XXXX, XXXX, XXXX gas cards ). 

Please help!
Consumer complaint received 2024-06-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (TX)

My card was charged from a hotel in XXXX XXXX  I live in XXXX never been to XXXX. They denied my dispute without properly investigating. I asked for the documents and I received nothing. Disputed on XX/XX/XXXX I received a denial on XX/XX/XXXX. The amount is XXXX. This violates federal law under 12 C.F.R. 1026.13 ( a )
Consumer complaint received 2024-07-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (NM)

Company : Resurgent Original creditor : XXXX XXXX XXXX  XXXX applied for credit and when denied I got a copy of credit report with the three credit reporting agencies. There were several creditors and debts owed that I had no knowledge of. I disputed the items I did not recognize and then filed a police report and with the FTC on XX/XX/2024. I had already filed a police report for my locked mailbox being broken into. I notified the police of this occurrence when filing with them again regarding the someone using my information. After filing my reports with the police and FTC I sent XXXX XXXX XXXX  all documentation and copies of my reports and all relevant information by mail. I spoke with an agent in the fraud department at XXXX  XXXX after submitting my documentation and the agent informed me thst even though the debt was not valid thst they no longer owned the debt so I would need to contact LVNV funding who ourchsed the debt. I called and got the information and instructed them to send me proof of validity of debt, which I did not receive. After sending all relevant documents by US Mail they said they had not received the documentation and sent me an affidavit to fill out and I did so and returned by mail. Agsin I was told it was not received and I sent all information to the fax number in the letter I received. They still are stating they have yet to receive the documentation and have not removed the debt from my credit reports and are now saying that the debt is valid even after I have done what is required of me by law.
Consumer complaint received 2018-08-14
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

I did a balance transfer with Capitol One. Capitol one completed the transfer on line electronically. The electronic check was made payable to, XXXX XXXX in the amount of XXXX dollars. The electronic check was cashed by, XXXX XXXX. My bill was never paid. Capitol One has the electronic check and sent me a copy. it is clearly payable to XXXX XXXX and endorsed by XXXX XXXX. To add insult to injury Capital One mailed me a letter on XX/XX/2018 stating, after researching your account we found the error may have occurred by your bank. Please contact bank. THEY ARE THE BANK. 
I have been trying to resolve this since XXXX. Capitol One is aware there was an error and my bill never paid. XXXX XXXX sent Capitol One a full refund of XXXX dollars on XX/XX/2018. Check number XXXX. 
Capitol One has not premitted me to speak with any one over the account supervisors. They will not provide me with any physical address so I may write a complaint. I have made about 40 telephone calls in effort to rectify this error. Capitol One refuses to set up XXXXthier a bill dispute, or fraud charge and is requiring me to pay the XXXX I DO NOT OWE ... until the investigation is complete. This investigation has been going on since XXXX. There is no one else I can speak with or write too. I do not know what else to do.
Consumer complaint received 2018-08-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (WY)

On XX/XX/2017. A check for a balance transfer was sent to citi bank XXXX XXXX. The check has been cashed and the debt was never cleared. XXXX XXXX has sent me to collections and called me over this balance. I have faxed numerous copies of the check to XXXX XXXX and my credit continues to take a hit.