davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-29
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: JPMORGAN CHASE & CO. (GA)

Creditor JPMCB AUTO { Chase Bank } ADRESS XXXX XXXX XXXX, XXXX DE XXXX ACCT XXXX XXXXXXXX OPEN DATE XX/XX/2017 I am writing to dispute this account and to request its removal from my credit report. Account listed is not { incorrect/ inaccurate } being reported to all three credit bureaus. I believe that this is in violation of several laws, including the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). This account is reporting to only 2 credit bureaus instead of all 3. Also this account incorrect account status is reporting and high balance is wrong. accounts says open then on there credit reports its not correct. 


Under the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ) I have the right to dispute any information on my credit report that I believe is inaccurate or incomplete. I am requesting that you investigate this matter and remove the repossession from my credit report. Additionally, I request that you ensure that the balance on the account is reported to all three credit bureaus.

Under the FDCPA, I have the right to request that you stop all attempts to collect on this debt until this matter has been resolved. I am requesting that you cease all collection activities until this matter has been investigated and resolved.
Consumer complaint received 2023-11-29
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (FL)

At the beginning of XX/XX/2023, I called CHASE to remove the authorized users in My CHASE VISA XXXX since it has a very high debt balance. In that call the Customer Service Representative removed most of them except for XXXX XXXXXXXX and told me that I will need to talk to another department to remove XXXX XXXXXXXX. So, I told him I will call in another time. On XX/XX/2023 around XXXX, I called CHASE to remove XXXX XXXX and The Customer Service Representative 's who answered me at that time told me that they will not be able to remove XXXX XXXX from my account because she is a " Primary Card Holder '', so I ask her to transfer me to a Supervisor. The Supervisor XXXX took my call and I explained to her that when I applied for that Credit Card, I was by myself. After a couple of years I ask to add XXXX XXXX XXXXXXXX as an Authorized User but never as a Primary Card Holder. I told her that CHASE made a mistake adding XXXX XXXXXXXX as a " Primary Card Holder '' instead of a " Authorized User '' and they need to fix it. She told me that she can not do anything about it. I asked her to send me the documents where I authorized XXXX XXXXXXXX as a Primary Card Holder or as an Authorized User in my account and XXXX answered me that she couldn't do that. I Ask her to talk to her XXXX because even she was a XXXX, she must have someone over her position and she just answered me that there is nothing she could do about it and that she will hang up. And XXXX just hang up on me.
Consumer complaint received 2023-11-29
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: Experian Information Solutions Inc. (MO)

Experian stole 17 months of on time never late payments to XXXX and refuse to give them back and then they tell me my scores are out of date but if I pay them XXXX they will update my scores proving they deliberately show an out of date score to put worthless credit cards
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: General Motors Financial Company, Inc. (MI)

On XXXX XXXX  There was a inquiry listed on my credit report in which I didnt associate with. Ive reached out to the company multiple times where I was told they will remove the inquiry however they havent.
Consumer complaint received 2023-07-05
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: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. TX XXXX. Phone number is disconnected XXXX has placed a collection on my credit profile and removed it from my profile two times and placed it back again after it has been ran as a charge off. This account is ran as a charge off an IRS DEFINES A CHARGE OFF AS GROSS OR INCOME DOES NOT GET REPORTED ON CONSUMER REPORT AND I NEVER RECEIVED ANY OF THE XXXX Cancellation Of XXXX XXXX. This Account is is Inaccurate And Has To Be Removed
Consumer complaint received 2023-12-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (NE)

I have had NelNet as a student loan service provider for 23 years now. 20 of those years I have had consolidated loans and every year I send in my payment plan renewal for the Income driven repayment plans. EVERY YEAR not just once or twice but for the last 20 years when submitting my forms they email me and make me resubmit them twice or even three times saying they never got them.. When my spouse and I divorced 10 years ago it became a bigger nightmare to fight with them because then I had to find him and have him sign his information which I have to submit every year twice or three times. If I call them I get the run around oh we didn't receive this or that or you have to resubmit this it takes them 6 months got get my payment plan in place and THEN several years I found out they only put it into forbearance the didn't actually apply my payment plan. This year I have had enough. I submitted my IDR request paper work TWICE once in XXXX when they sent my requalification and again in XXXX. I have sent in paycheck stubs twice and my ex husbands co maker stuff twice and NOW they are calling me because I owe them XXXX come XXXX. I have submitted everything to them per request. I have emailed their help desk to which I get a response we don't have documentation and I resend the same documentation I have sent before I save it as proof of when I sent it in. 23 years ..... I am tired of the run around, I am working I submit the paper work for my IDR plans and THEY can't do their job. I don't know if I am the only one but its a joke and something needs done!
Consumer complaint received 2024-03-14
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. (FL)

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-02-23
Product: Other financial service — Debt settlement
Issue: Customer service/Customer relations — 
Company: Money Management International, Inc. (OK)

MMI -- Money Management Incorporated has refused to meet with me. It is advertised that they have face to face meeting which that is my choice. 

I made an appointment for XXXX XXXX of this year. A day before the appointment I was told that the counselor would n't be able to meet with me and that they want to reschedule. I was a little upset because I really need to get with someone to help me. I told them to cancel the meeting altogether. 

After that I looked around and realized there are no other reputable debt relief services in my city so I called them back to schedule another appointment. This was for another Thursday ( the XXXX ) and the day before, they called and said they needed to reschedule with the person I was supposed to meet with face to face. They would call me back with another date and time to meet face to face with me. 

Now they are telling me that there are no more face to face meetings only phone counseling. I do not want to deal with my financial future OVER THE PHONE. 

I am very upset with this company and they do not seem willing to help unless it fits in with their schedule. They advertise that they have face to face meetings with clients. I asked them why they did n't have any more face to face meetings and she only said that she can give me a telephone appointment. She would never really say why I could n't have one.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

I am writing to file a formal complaint against experian violation of my consumer rights under the fair credit reporting act ( FCRA ). Specifically my complaint is regarding the unauthorized reporting of XXXX  XXXX account number XXXX and the XXXX XXXX XXXXXXXX on my consumer credit report and / or credit file, which I did not consent to nor was I properly notified about. 
This information is not only wrongful but was also reported without my explicit consent or prior notification. This action has significantly and negatively affected my credit score, making it difficult for me to obtain credit and it has caused me undue stress and financial hardship. 
I have previously attempted to resolve this matter, but to no avail the issue was not resolved despite my efforts, the issue remains unresolved, and this information is still present on my credit report. 
I respectfully request the removal of this information from my credit report maintained by experian. 
I hope experian takes my complaint serious and rectifies this situation as swiftly as possible. 
I look foward to their response and am hopeful for a favorable resolution. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX
Consumer complaint received 2023-07-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I need to inform you I was the victim of identity theft. I'm disputing the account as it was opened without my knowledge, consent or authority. I'm including the FTC report from the site identitytheft.gov. Please dispute the account. It was opened without my knowledge, authority or consent. 

XXXX XXXX
Consumer complaint received 2016-05-11
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: National Arbitration Forum (CO)

My wife received a phone call and a collection agency left a message on my wife 's cell phone from XXXX XXXX XXXX. The individual was threatening me. She stated that if I do not notify the filing party, they would show up to my home and/or work place with a " UNIFORMED OFFICER ''. The investigator stated that they would have my supervisor present. Supposedly, they have a court summons for me. The message is in my wife 's voicemail. I called the number to see what that was about, and to see if I can settle the {$300.00} debt. My wife and myself, offered to pay {$200.00} and settle it. They refused the offer.
Consumer complaint received 2023-11-29
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL (FL)

I never filled out an application or spoke with anyone at CareCredit. I still haven't ever talked to them. The application was filled out in my doctor 's office and was handed to me to sign after the procedures had begun. I was never given an advanced warning in writing or verbally about what the total costs of my procedures would be. When I received the first bill it was for the sum of {$13000.00}. I was told I was approved for the loan amount by someone in my doctor 's office. I am struggling to make the minimum monthly payment of {$400.00} as my sole source of income is my monthly social security check. I feel that at the age of XXXX, I was taken advantage of not only by Care Credit but also by my doctor 's employees and the doctor himself. I also feel that the procedures that were charged were not proven to work nor have they worked for me. I have made payments with borrowed money so as not to ruin my credit. I never received a breakdown from the doctor 's office in advance or after the procedures were done.
Consumer complaint received 2023-11-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Opportunity Financial, LLC (TN)

On or about XX/XX/2017 a lian was taken out in the name of XXXX XXXX. This was then tied to my social security number due to identity theft. This has been stated to opportunity financial. They are now suing me for a debt that was challenged as identity theft. Loan was applied for online in what appears to be Iowa. Loan is not in my legal name. Loan is past the statue of limitations in TN. I strongly urge opportunity financial to assist with marking this as identity theft as other items on my report have been.
Consumer complaint received 2023-11-29
Product: Prepaid card — Gift card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: U.S. BANCORP (CA)

I dialed XXXX to inquire about the declined transactions, and they informed me it was due to suspicious activity. After providing my information and sending documents via fax, I called for updates multiple times. However, they repeatedly hung up while I was providing my card number. Upon reaching a representative, I was informed that my ID was missing, despite having proof of submission. It's been months, and I feel they are engaging in suspicious practices, as evidenced by numerous reports on XXXX  and other platforms. This conduct is not new, and I believe they should face fines for such actions.
Consumer complaint received 2017-04-05
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: BBVA FINANCIAL CORPORATION (FL)

In XX/XX/XXXX I applied for and was approved a HELC Loan, last month XX/XX/XXXX I made my final payment. Due to the min monthly interest having been automatically drawn from my checking account a day before my final payment from an external source came through, a credit balance of XXXX. I have contacted the bank on several occasions to determine why to this date XX/XX/XXXX my money has not yet been refunded back to my checking account. Initially I was told the refund would occur within 5 business day, then was told a secondary communication to the appropriate department would prompt my refund. The following time I called I was told " We never refund HELC money until the " End Of A Cycle '' i.e. XX/XX/XXXX. However to this point XX/XX/XXXX STILL NO REFUND? I feel as though I am being given a run a round, please assist me in this matter. The name of the financial institution is BBVA Compass Bank.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX XXXXXXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX, and so on.
Consumer complaint received 2023-07-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is my 9th 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 items 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 items in my credit record that came about due to an alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-04-04
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION (MA)

XX/XX/XXXX I called Toyota Financial Services in order to defer my lease payment for that month as I had done in the last 6 years. When the payment was not processed correct, there was back and forth phone conversations which I initiated, and Toyota assured me things were being taken care of.After getting multiple answers from different people I faxed in the requested paperwork. I made my payment for XX/XX/XXXX as normal. Then, in XX/XX/XXXX I purchased a new vehicle from a XXXX dealership. The cashiers check was shipped on XX/XX/XXXX and the check arrived at Toyota 's payoff center on XX/XX/XXXX. The XXXX receipt shows the address as well as the name and signature of the person who accepted the payoff payment. It was n't until about a week later when Toyota Financial called my work extension to say that I was over thirty days late for my payment. This started a vicious cycle. Since XX/XX/XXXX, myself as well as my husband have called numerous times in order to get the issue taken care of. We have done everything requested by XXXX. Filed a massive amount of paper work, faxed over copies of the check, as well as who signed for the overnight delivery of the payoff for the car. We 've provided all the necessary information needed in order to handle this situation and there is still no avail. We 've been given the run around for over five months, and Toyota has since reported us late to all three credit agencies on two separate occasions. Each time I call in with a reference number or employee ID I can not be transferred to the same employee. Each time we call in, its a different story. Currently, my me and my husbands credit is being negatively impacted as Toyota still shows an outstanding balance, and says that we are over 60 days late. I have not owned the car in well over 6 week, the payoff amount was verified more then once. Toyota at one point told us that they were process the research for where the check was ; only to have someone else tell me they 're not even sure they have a check. I can not talk to the credit department, as they only give me an address to mail a letter in.There is no more that we can do in order to fix this situation. We need help.
Consumer complaint received 2017-03-31
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY (TX)

I have been a customer of wells Fargo for over 5 years. I noticed that as soon as i decided to have my check direct deposited I was being charged fees that was unwarranted. I believe wells Fargo deliberately sequenced my checking account to reflect me not having enough in my account to cover minor transactions so they could charge me overdraft fees. Now they said my account was not eligible for overdraft service so why am i subject to those fraudulent fees.
Consumer complaint received 2023-11-29
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (OH)

Ww had an ordeal where the property manager damaged the apartment we left even though we took pictures and etc beforehand tried to collect XXXX dollars for this damage she created with her employee, she denied all accusations and even stole my sons xbox we contacted the credit departments and told them what happened and it was suppose to be removed and so it wasn't on my credit list now fair collections and out has bought it and is trying to claim its their debt after telling us it was purchased by them ... they also called when my wife 2 be was XXXX XXXX XXXX with me due to an XXXX  and threatened us and then told me well this is more important than your wife life so you need to stfu and listen ......
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 information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX XXXX account has incorrect information and the account is no longer open. This account is incorrectly reported on my credit report and is about to age off. This account needs to be deleted from my credit report.
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 — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Please remove the incorrect addresses from my credit file. 
They have never been used by me for mailing or credit application purposes. I have requested for them to be removed many times. This is a violation of the Fair Credit Reporting Act. I have attached a notarized certificate of residence affidavit as well.