davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO. (OR)

On XX/XX/XXXX I received a debit card in my name from Chase bank, however, I do not, nor have I ever opened an account with Chase. I believe this fraudulent account is connected to a fraudulent tax return that was also filed under my name. When I reached out to the IRS regarding the fraudulent tax return, it was immediately cancelled. However, my experience with Chase bank has been quite the opposite. The moment I got the debit card, I called Chase 's customer service line. The representative told me that their fraud department wouldn't be open until the next morning. When I called the next morning, I was on the phone with Chase for 46 minutes, explaining the situation to four different Chase representatives, only to be told that they would send me a packet of paperwork in the mail. It took about ten days for the paperwork to arrive and when it did, I began to fill it out immediately. They had requested information from me, such as the account number, that I did not have. I called them asking for the account number so that I could submit the paperwork but after 25 minutes on the phone with them, they told me they couldn't disclose the account number over the phone and that I'd have to go to a local branch. I also had questions about the police report they requested which the representative could not answer. I then scheduled an appointment with Chase and when I arrived, the employee helping me had never dealt with a case of fraud before. I made it clear over the phone while scheduling an appointment that I would be there regarding a fraudulent account and yet they set me up with someone that did not know how to help me and could not answer any of my questions. I ended up being able to get the paperwork submitted. A few days later I received a letter from Chase alerting me that the account was overdrawn. A week later I received a statement for the fraudulent account, meaning that it was still open. Then, on XX/XX/XXXX, over a month after I originally alerted them that the account was fraudulent, I got a letter from them that said they had received my paperwork and were planning to close the account " soon '' so long as certain information was not provided that would allow the identity theft to keep the account open. It is now XX/XX/XXXX and I just received a letter that says they decided the account was not opened by me, a month and a half after I requested that they close it. I have dedicated large amounts of time and provided more than the necessary information to Chase in a timely manner. They aided the criminal that stole my information by allowing this account to stay open for far too long. They wasted my time over the phone and sent me to a branch with a representative that could not help me. I may be paying for the rest of my life for Chase 's negligence.
Consumer complaint received 2024-04-15
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Ensuring payments are always made on time has been a priority for me regarding this account, avoiding any instances of overdue balances. Nevertheless, I'm perplexed by the presence of late payment remarks on my accounts. As per 15 USC 1666b, billing inaccuracies should be addressed.
Consumer complaint received 2023-03-14
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: Neighborhood Capital Funding, Inc. (MI)

accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

XXXX
Consumer complaint received 2023-03-14
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: Kashable LLC (MI)

accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purposeXXXX XXXX
Consumer complaint received 2023-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: AES/PHEAA (GA)

XX/XX/XXXX I disputed all of my student loans on my credit report because back in XXXX  my Dean assisted me with filing my Student Loan Forgiveness package. We completed the FORGIVENESS packages in which I signed and dated. This package was self stamped with nailing instruction in which was nailed back to the sender.

The problem I have been having is that the same student loans are still showing on my credit report even after disputing them with the credit reporting agencies/companies XXXX XXXX XXXX XXXX 
My end goal is to finally have all of these student loans removed from my credit report as promised by the Student Loan Forgiveness Act. 
Thank you in advance,
Consumer complaint received 2023-03-14
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL (TX)

On XX/XX/23, my wife and I made a purchase to Ashley Homestore in the amount of {$4300.00} and chose to finance through the Ashley - Synchrony Credit Card which the sales representative XXXX XXXX stated would provide a term of 60 months at a 0 % interest rate during that term with minimum required payments. The provided documents during purchase and financing indicated " fixed APR '' to which we protested and asked XXXX if the document was correct and he stated " Yes, this is just the general form we use for financing '' and told me if I had any concerns after the purchase to just call he store. 

After the first statement was received on XX/XX/23 it indicated an interest charge of {$33.00} and reflected an interest rate of 9.99 % " Until Paid Off ''. 

On XX/XX/23 I attempted to contact Synchrony Bank via online chat to inquire if I was receiving interest and why this was occurring and was directed to call the merchant directly. 

On XX/XX/23 at XXXX XXXX  I contacted Ashley Homestore and spoke with XXXX as to how to proceed and inquire why I was receiving interest. XXXX stated she would speak with her sales manager and would contact me later that date. No call was received on that date. 

On XX/XX/23 at XXXX XXXX  Ashley Homestore was contacted again to no answer while being on hold for 9 minutes before the call ended. 

On XX/XX/23 at XXXX XXXX  Ashley Homestore was contacted again to no answer while being on hold for 14 minutes before the call ended. 

On XX/XX/23 at XXXX XXXX  Ashley Homestore was contacted again to no answer while being on hole for 8 minutes before the call ended.
Consumer complaint received 2023-11-03
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I have three different Capital One Credit Cards - I use them monthly and pay them off in full every month. I have been a client of their for years. On today 's day the abruptly cancelled all three cards. When I called their customer service line the representative said I may have violated a Capital One policy. I am a XXXX XXXX XXXX XXXX  and use my card only for purchases for food, gas, clothing and other basic products. When I asked what policy did I violate? They responded by saying they do know. This is strange beyond belief.
Consumer complaint received 2023-03-13
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: NEW CITY FUNDING CORP. (NY)

Back in XXXX I pulled my credit report finding accounts that I had no recollection of doing business with. One of the accounts that have stuck on my credit profile & continuing to hinder my approvals for bank accounts as well employment is NEW CITY FUNDING CORP . This account was opened back on XXXX ' XXXX XXXX. After disputing the account they did not provide any validation, rather serve me with a summons at someone else 's address, with a contract that has my partial name, as well a signature that isn't mine.
Consumer complaint received 2023-04-25
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

On XX/XX/2023, I sent a letter regarding inaccurate and unknown things on my credit report. Over 45 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 45 days now so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information by the XXXX data breach may have got into the hands of the wrong person.
Consumer complaint received 2018-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

I reviewed my credit report and found a XXXX account on there in which I disputed with the bureau 's and XXXX due to me NEVER having or authorizing a XXXX account in my name..I am only XXXX years old just turned XXXX in XXXX, Never lived on my own, never had any bills in my name. 

I cant quite understand how the Credit Bureaus are stating they verified this information as accurate, and when I asked them for their method of verification, they never responded with such only another response letter saying that the account was verified. 

I contacted XXXX as well and requested account validation, and asked for an investigation into this account, and again I received no response which is why I am submitting this complaint at this time.
Consumer complaint received 2024-07-17
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Stellantis Financial Services US Corp. (FL)

In XXXX of XXXX I purchased a new vehicle, and the auto loan account was with XXXX XXXXXXXX XXXX XXXXXXXX. Each month STELLANTIS has inconsistently caused billing issues for the auto loan account. In XX/XX/XXXX, STELLANTIS took three payments out of my checking account in a two-day period, totaling approximately {$3600.00}. STELLANTIS stated they were unable to refund the two extra payments that were processed without my consent. In XXXX, I made the payment on time. However, 10 days after the payment was due, STELLANTIS called and stated they never received the payment because the checking account used for the payment had insufficient funds ; again, STELLANTIS charged me more fees for this. I ensure STELLANTIS there was sufficient funds and confirmed with my bank holding the checking account. My bank ensure there should be no issues with STELLANTIS processing this payment. 
On XX/XX/XXXX I advised STELLANTIS I was requesting a 20-day payoff amount and would be refinancing the loan with another bank due to the ongoing problems and erroneous fees I was being charged due to STELLANTIS ' inability to properly process and manage the loan account. 
I continued to give STELLANTIS updates on the refinance process to the best of my ability but the phone would be disconnected or no response during calls. STELLANTIS was unable to transfer me to Supervisors, unable to provide confirmation or reference numbers. On XX/XX/XXXX I spoke to staff at STELLANTIS the payoff check was mailed with a tracking number and signature required at delivery. On XX/XX/XXXX I received a letter from STELLANTIS saying " NOTICE OF RIGHT TO CURE DEFAULT ''. On XX/XX/XXXX I called STELLANTIS and again asked if the Payoff check had been received and processed by their company ; STELLANTIS advised the check had not been received by them. After confirming with the post office via tracking number and signature by STELLANTIS, I again provided STELLANTIS with the proof that the check had been delivered and signed for. 
STELLANTIS finally located the check and cashed the check. However, upon my XX/XX/XXXX phone call with STELLANTIS is now charging me additional fees citing the check was cashed after the 20-day payoff date. I argue I am not responsible for these additional fees because the check was sent to them within the proper timeframe. I argue STELLANTIS delayed in timely processing this account ( likely due to their office being closed for the XXXX of XXXX holiday ).
Consumer complaint received 2023-03-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (KS)

Below following my updated complaint you will find a copy of my previous complaint. Case # XXXX Today I received a letter stating that Wells Fargo needs more time to " complete our research ''. After 30 days of trying to resolve the misapplied full payment on XX/XX/XXXX directly with WF I finally contacted CFPB. Since the contact WF has " backdated " a payment with a XX/XX/XXXX date, However the amount credited, {$1000.00}, is still short as the amount of my payment and the amount charged to my bank and paid by my bank was {$1100.00}. WF promptly reversed their incorrectly credited amount of {$410.00} on XX/XX/XXXX. WF addressed their concerns but, as of yet has failed to address mine. XXXX XXXX accounting was done on XXXX and it appears as if WF 's accounting is no more professional. Banking transactions take place almost instantaneously with complete data tracking yet, after 6 weeks of contacts with WF, along with a complaint logged with CFPB, they now are requesting additional research time. This is beyond the pale. 

( This was my original complaint Case # XXXX ) YOUR COMPLAINT I sent a payment to pay the balance in full for the month in the amount of {$1100.00}. Wells Fargo only credited {$410.00}. They posted the receipt the incorrect amount on XX/XX/XXXX. My bank paid the full amount of the check to Wells Fargo which was drawn the {$1100.00} from my bank on the same date. I have contacted Wells Fargo numerous times over the last 30 days to no avail. I have had to write a check to pay the most recent statement in full although the amount of that statement has yet to be adjusted for the credit due to Wells Fargo 's misapplication of the previous payment. Wells Fargo 's last position is that it would take them another 30 days to " investigate ''. It is time that a higher source intervene in this issue.
Consumer complaint received 2018-11-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.Q. DATA INTERNATIONAL, INC. (CO)

I moved out of my apartment in XXXX, and paid the remaining balance due immediately on receiving the invoice on XX/XX/2018. I received a notice dated XX/XX/2018 from IQ Data inc that they were attempting to collect on this debt.

IQ Data is attempting to collect a debt that I have already paid, and was never past due. I have provided documentation of this to them. 

Their agents have provided different answers about whether they own the debt or represent the original owner. 

The agents have given me different email addresses to provide the documentation to, and refuse to confirm receipt. 

They are aware that the debt has been paid, and continue in their efforts to collect. 

XXXX XXXX, a call center agent for IQ data, in particular is belligerent/threatening, and has provided contradictory statements : - That IQ data owned the debt.

- That IQ data didn't own the debt and only represented the landlord.

- That they would send my bill to collections even though it has been paid to the landlord.

- That IQ data had no responsibility or ability to verify the debt since 'He would be making phone calls all day ' if he had to check and see if everyone who had already paid their bills. 
- That IQ data has no way of confirming that they received proof that the bill was paid.

I believe this is a bad faith, intentional attempt to collect on a move-out bill that was already paid, and that IQ data is purposely being difficult and misrepresenting the facts.

Company information : IQ Data XXXX. XXXX XXXX XXXX, WA XXXX Orignial Landlord : XXXX XXXX XXXX XXXX XXXX, XXXX, wa XXXX
Consumer complaint received 2024-06-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (NC)

Credit Control Services placed an account on my consumer credit file. I have sent multiple requests to validate this debt. The company has refused to validate the information they used to construe reports about me. They have responded by saying they are unable to investigate this and are demanding that I, the consumer, provide them with information to prove that I owe CCS money. This is absurd. I sent the validation request with a copy of the entry showing on both my XXXX and XXXX credit reports. They did not respond to my requests within the specified XXXX period after my initial communication, prolonging the resolution to this issue. I did send them a second request to validate with an invoice for this willful and negligent violation of my rights. They have responded, but continue to ignore the request for validation information as well as compensation for damage to my reputation and use of my information without authorization. I have sent a final request to them including an intent to sue. I am hoping we can come to a resolution before this action, but this company is leaving me no choice as the violations are repeated and willful.
Consumer complaint received 2024-04-16
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: GREENSKY OPERATIONS, LLC (TX)

I sent a cashier 's check on XXXX for my loan to pay it off, a week later the payment not reflected on my account. I was charged interest and finance charges as I made no payment. Instead of owing XXXX $ I I owe XXXX $ and they still have negotiated payment for the check according to my credit union. The practice of holding payments and not crediting accounts and negotiating the check upon receipt is XXXX and unethical Also the status and amount of this loan has not been reported as accurate according to all XXXX  credit bureaus
Consumer complaint received 2023-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

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 2024-01-26
Product: Debt or credit management — Mortgage modification or foreclosure avoidance
Issue: Charged upfront or unexpected fees — 
Company: BID SOLUTIONS LLC (WA)

This is my 2nd complaint again the same company. Original complaint COMPLAINT ID XXXX I already submitted the notarized forms as per their request on XX/XX/XXXX document specifically states it will be processed in 60 day. we are well past that commit and absolutely no one will contact me back. Ive called them several times and I'm just promised a call back and it never happens. Every contact I had with the company seems to no longer be employed there. XXXX XXXX or XXXX XXXX. When I call in no one is able to give me an update or a manager or a new point of contact. 

Back in XX/XX/XXXX I reached out after receiving a mail brochure to help get assistance with my mortgage due to extenuating changes in my financial situation preventing me from being able to pay my mortgage. The company had me sign documents one very specifically stating there will be no further charges past a set {$6200.00}. After several delays on their part causing this to drag one way into 6 months the total payments sent to them in excess of over {$12000.00}. I ended up having to resolve the issue directly with XXXX XXXX  XXXX XXXX because the company was unresponsive to them and submitted paper work with no contact information. Throughout this entire process they ignored my emails and voicemails. If I finally got someone on the phone I asked to speak to management and was flat out denied or they would say someone would call me right back and it never happened. In addition to everything their false promises of reducing my mortgage actually put me in a position where I now have a lean against my home and my mortgage payment has gone UP by {$57.00}. I fully believe I should get back every cent I paid this horrible company as they did not honor a single commitment that was made, if this is not a possibility this company needs to be held accountable to pay back the additional {$6200.00} that was paid to them as their representative told me I have to keep submitting payments until the issue is closed out. The office of the comptroller of the Currency requested I file a complaint with you. My case number with them is available should you require it. Thank you so much ahead of time for anything you can do to help with this matter.
Consumer complaint received 2024-07-03
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Fees charged
Company: WELLS FARGO & COMPANY (IA)

wells fargo enrolled my va motgage in a morgage accidental death product that began on XX/XX/year> and ended XXXX XXXX they also they enrolled my va mortgage in a health protector bonus product from XX/XX/year> to XX/XX/year> all without my consent.