davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (CA)

I legally changed my name and received the certified court order granting my name change XX/XX/XXXX. Shortly thereafter I contacted Chase to update my legal name for my credit card accounts. 

I was told repeatedly via message and phone support that I would not be able to send them documentation online, and that I would have to wait for a letter in the mail, which I would have to sign, scan, and send back to them. They refused to send me this form digitally. 

After I finally received this letter and changed my name with Chase, I was reissued a replacement card for only 1 of my 3 Chase accounts, and had to ask to have the other 2 replacement cards issued. The replacement cards did not have the display name on them that I wanted, so I had to request replacement cards with the correct name yet again. 

One of the benefits of my Chase Sapphire Reserve credit card account is a Priority Pass membership. I was not issued a new card for this with the correct name, and had to request it on XX/XX/XXXX. 

I received this replacement card on XXXX, and it had an incorrect name on it that did not match my ID. I requested a new card later that day, on XXXX, with the correct name via message-based support. 

I received another replacement card by mail on XX/XX/XXXX, which had the same incorrect name on it. I called phone support that day, XX/XX/XXXX, and was told they would expedite a replacement card with the correct name on it. 

I received that card by XXXXXXXX XXXX  the morning of XX/XX/XXXX, and it had the incorrect name on it yet again. I called phone support for this and was treated rudely, and was assured they would fix the issue. I also sent an email to XXXX XXXX and XXXX XXXX at Chase to try and reach an executive regarding the issue. I heard back from someone in the Executive Support office named XXXX. She reassured me on XX/XX/XXXX that I would receive a new card and she would personally make sure the name on it was correct. 

I received that replacement card yesterday, XXXX, and not only did it still have the incorrect name on it, but it was even more incorrect than before.
Consumer complaint received 2024-03-09
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southern Management Systems Inc. (CA)

I was the co-signer for my son 's apartment at "XX/XX/XXXXXXXX '' XX/XX/XXXXXXXX Arizona, where he was living while attending college at XXXXXX/XX/XXXXy. In XXXX of 2020, when my son came home for XX/XX/XXXX he was informed by the University not to return to school because the University was shutting down, due to the Covid 19 pandemic. My son was also told that the remainder of his senior year would be completed online at home. Additionally, my son lost his part time job a XXXX XXXX in XXXX, also due to XXXX XXXX. My son and I subsequently drove up to XXXX on XX/XX/year>. We cleaned out and secured his bedroom and returned home. I subsequently wrote a letter to the management at " XXXX XXXX '' apartments in XXXX explaining the situation and mailed them the key to my son 's room. I also paid the rent for XXXX and XXXX, " In Full '' and asked to be absolved from the remaining rent owed per the lease agreement, which included XXXX, XXXX and XXXX for the reasons I explained in this letter. XX/XX/XXXXXXXX management responded to me by telling me, " That's not our problem ''. XX/XX/XXXXXXXX also sold my remaining rent payments to XXXX XXXX XXXX, ( XXXX ) XXXX and put a " Negative '' mark on my credit report.
Consumer complaint received 2023-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AL)

XXXX is reporting frevious and false information that the account is charged off and that it is currently past due which is a attempt to apply hardship against the aledge debtor. A account can not be currently past due and also be indicated as charge off. Experian, XXXX XXXX and XXXX has failed to removed continued inaccurate information that needs to be verified from the reporting debtor and not from XXXX party agencies there I will execute my right to claims fines per existing error. Debtor has requested signed documentation bearing signature of aledge account bearing obligation.
Consumer complaint received 2024-03-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: AMERICAN EXPRESS COMPANY (AL)

Under the authority of 15 U.S. Code 1692l, 12 CFR 1016, 12 CFR 1022.3 ( b ) ( h ), 12 CFR 1006.18, 12 CFR 1006.34 ( 3 ) ( ii ) I hereby request that the CFPB investigate this complaint. The Federal Trade Commission made it clear in a decision against a national debt collection agency in XXXX that a collection must show proof, ( i.e.. a written transfer of information and the right to collect on a debt ), in which XXXX  XXXX XXXX XXXX has not yet provided to me upon several requests and subsequent debt collection attempts. 
On or about XX/XX/XXXX Amex sold the alleged debt to XXXX XXXX XXXX On or about XX/XX/XXXX Amex sold the alleged debt to XXXX  XXXX XXXX XXXX XXXX 
American Express has sold my private information to several debt collection companies ( Violation of 12 CFR 1006.18 ) after they have reported the account as charged-off ( Violation of 12 CFR Part 1022.42 ( b ) ) ( not assigned ) on XX/XX/XXXX and XX/XX/XXXX for two separate accounts to the credit reporting agencies ( Violation of the Privacy Act of 1974, 12 CFR Part 1016.7, 12 CFR Part 1016.10 and Alabama Code SECTION 8-19-5 ( 27 ) ) .On or about XX/XX/XXXX I sent Amex a letter opting out of selling my private information, just in case they are using implied consent as a means to continue to violate my RIGHT to financial privacy. ( Violation of 12 CFR 1006.15 ), ( Financial Privacy Act of 1978 ) ( Griswold v Connecticut 1965 ) There are several federal and state violations committed against me by all parties involved. Code of ALA SECTION 8-19-5, SECTION 8-19-11, 15 U.S. Code 1692e, 15 U.S. Code 1692k
Consumer complaint received 2023-09-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (CA)

I am a XXXX  XXXX  working for the XXXX as an XXXX  XXXX  and i was awarded an XXXX USD pay off amount toward my loan. The payments go in bi-weekly in a range amount of about XXXX to XXXX USD. I looked at my pay stubs and there has been a total of XXXX payments. The first XXXX payments are reflected on my NeltNet account payment history and have been applied to my total loan. However, the last payment according to my Nelnet history was made a month ago on XX/XX/23 but XXXX more payments of XXXX by my job have been made since then and are no where to be found. The money is just not accounted for on Nelnet 's side but the payment was clearly made when looking at my paystubs on XXXX. NeltNet is clearly mishandling the payments. My account is missing XXXX payments of XXXX. Typically once a payment is made it is reflected on my Nelnet account XXXX to 10 days later. It has been over 30 days since the last payment according to my account which is simply not true. It does not even show up as processing or anything just completely missing.
Consumer complaint received 2024-03-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Regional Management Corporation (DC)

I have no idea of what happened. I went to XXXX DC in XX/XX/XXXX to care for my mother and have been there ever since. Sometime in XXXX, I received correspondence from the Creditor Regional Finance. I have no idea who they are and have tried to receive documents on this loan they claim I took out in XXXX XXXX SC. I do own a home there and my husband lived in the home until XX/XX/XXXX. The loan number from the credit report is XXXX. The address of these people is XXXX XXXX XXXX, XXXX XXXX ; XXXX, SC XXXX. I have also reported this to two of the three credit unions with no response. I don't understand how they are getting away with this and as a company, I feel like they are commenting identity theft. How are they allowed to put something on your credit report and have no information to provide to me that I have a loan? Please get these people to give you all of the paperwork so that I have it to know anything about this loan.
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.
Consumer complaint received 2023-09-23
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: SECURITY SERVICE FEDERAL CREDIT UNION (UT)

In XX/XX/XXXX I purchased a used XXXX XXXX. Later that year in XXXX, I co-signed for my younger brother, XXXX XXXX, to purchase a XXXX XXXX XXXX. All payments for the XXXX were paid by my younger brother, and he paid off the loan. Because I surrendered my XXXX, although on a separate loan, XXXX XXXX will not release the title for the XXXX to my brother. I think this is wrong, since he did complete the loan and make all payments. As I said, these were not on the same loan, and my decision to surrender the XXXX should not impact my brother 's ability to trade in or sale the car that he paid for.
Consumer complaint received 2024-02-29
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: JPMORGAN CHASE & CO. (TX)

Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Iowa XXXX Dear CFPB, I hope this letter finds you well. I am writing to bring to your attention a concerning issue I have encountered with XXXX, and I am seeking assistance in resolving this matter. 

On [ date ], I received an alert from XXXX stating that my XXXX XXXX had decreased by XXXX points. Upon checking my account and reviewing my credit report, I found no explanation for this significant drop. I am diligent in maintaining my financial responsibilities, and my credit report has been consistently clean. My payment history is on time, including payments for my stolen car situation. 

Regrettably, when I contacted XXXX to seek clarification, their representatives were unable to provide satisfactory answers to my questions. Despite my efforts to maintain a good credit standing, the lack of transparency on the XXXX XXXX drop has left me confused and concerned. 

Additionally, I would like to highlight my experience with Chase Bank, where I have faced challenges in obtaining assistance for my stolen car situation. The difficulties in resolving this matter have added to my distress. 

I am reaching out to the CFPB with the hope that you can investigate this issue, shed light on the reasons for the XXXX XXXX decrease, and assist in rectifying any inaccuracies. I understand the importance of maintaining a good credit standing and am committed to resolving any issues that XXXX affect it adversely. 

Thank you for your attention to this matter, and I sincerely appreciate any assistance you can provide in resolving this situation promptly. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-09-06
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: AES/PHEAA (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I recently became aware that unauthorized fraudulent addresses, names, inquiries, and name misspellings have been reporting on my credit report. My personal information has been used without my consent or knowledge. I have tried to rectify this situation several times now unsuccessfully. I have no knowledge of these accounts nor have I signed any contracts with these creditors.
Consumer complaint received 2024-02-29
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Lenmo Inc (SD)

I paid my loan off on XX/XX/year> a whole week ago. Ive sent numerous emails and support chats to Lenme and have gotten 1 response. Their customer support team is non-existent. It takes 3-4 days to get a reply and they do not have a phone number you can call. 

My lenme app still says my bill has not been paid. Its been a whole week. I am now receiving notifications that my bill will go to collections if I do not pay. 

Ive requested numerous times for support to mark my bill as paid and I simply do not get a response. 

Ive sent lenme support proof : my bank statement as well as their App not updating my balance and its been days with no reply. 

Ive never dealt with such a XXXX XXXX app let alone the worst customer support Ive ever experienced. 

This is for my account with email of : XXXX through lenme
Consumer complaint received 2024-02-29
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (TX)

I contacted Discover over a separate issue than in this complaint so don't think its a duplicate, this IS NOT A DUPLICATE. When on the phone with the customer service rep, she taked to taunting and condescending that i said I should close my account and go elsewhere, but i won't i want my issue resolved. XXXX days later i found my card closed without my permission. I have called the company over this matter several times and they have not helped me fix this. They never offered to look into the matter and have not helped me at all.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (GA)

I Contacted the company LexisNexis after obtaining my Lexis Nexis Consumer Credit Report through a recent request to the company. There was a U.S. Bankruptcy Court item listed on my credit report. Per FCRA 623 ( a ) If a credit reporting agency can not Verify the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. '' Under the FCRA and the accepted STANDARD of XXXX XXXX data field reporting, I challenged the reportability of the unsubstantiated allegations because they are INACCURATE. Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), they are required by federal law to verify-through physical verification of my original signed consumer contract and or judgement ( s ) -all accounts and public information that they post on anyones consumer credit report. Otherwise, anyone paying for your reporting services could fax, mail, and email in fraudulent and erroneous account information. I am currently still waiting on physical verification of the accuracy of the Bankruptcy reporting and the information regarding the bankruptcy reporting. Please see the letter that was sent to LexisNexis attached. 

Update XX/XX/24 I contacted the customer service on XX/XX/24 @ XXXX XXXX  because they sent me a letter stating that they could not authenticate my identity but they were lying because I had submitted a copy of my ID and a utility bill to get my consumer report less than 60 days ago ( that is how I was able to dispute the information ). But, I still called them at the number that was on the paper ( XXXX ) XXXX and I have a copy of the phone call because it lasted XXXX minutes and I spoke with a representative and she stated ( after authenticating myself over the phone ; again ) that everything was good and they have everything they needed. They told me that it was a mistake that they sent the letter but disregard it because they already had a copy of my ID and they apologized. This is terrible business and unfair practices that are taking place and I still do not have a resolution to this situation.
Consumer complaint received 2024-04-15
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I strongly insist on the removal of this late payment from my account, as it inaccurately reflects my payment history. I have consistently maintained timely payments, and it is unfair to be burdened with this erroneous entry. I urge you to take immediate action to update my account accordingly.
Consumer complaint received 2024-03-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (FL)

I am a Paypal member for years. I make purchases on different online websites and use Paypal as the Provider to the Merchant for the financial info being exchanged. They are supposed to be the Protector of my personal Info ..... Please keep in mind that Paypal is NOT the financial source whatsoever .... XXXX XXXX in this case is. XXXX is the XXXX  .... Paypal is just the go between ; keeping my info safe. 

Getting back to the issue ..... I made a recurring Donation to XXXX XXXX on a monthly basis for {$25.00} each month some months ago and everything has been going along smoothly. That charge is processed on the XXXX of the month and is always charged to my XXXX card. The XXXX card is my only funding source ever to be applied to any transaction made with Paypal!!!!!!!!!!! ... That's what was authorized with Paypal from the beginning. Then on XX/XX/XXXX this month, Paypal applied this recurring charge to my " Debit card '' without any authorization from me whatsoever. The {$25.00} was removed from my Checking account instantly instead of being charged to my XXXX CC. Again, this was never authorized!!!!!! ALL Transactions are supposed to be charged to my XXXX card on file .... Thats it. 

I called Paypal up immediately and was told that I had to appeal the transaction which I did. Then yesterday ( XX/XX/24 ) I recd an email from Paypal denying the refund on grounds that it is NOT covered under the terms of Paypal Purchase Protection. I proceeded to call Paypal again today and spoke to XXXX the Supervisor who told me that I agreed to this ability for Paypal to charge my Debit card since its in the fine print. I explained that the only reason that my Debit Card was on file was from years ago when XXXX owned Paypal and required all XXXX to supply their Debit cards in order to process XXXX payments easily back then ; It was NEVER to be used as a Funding source. Like I said it was years ago and even back then, by supplying it, It was NEVER to be used for Purchase Transactions whatsoever .... Only my XXXX card was to be used. I asked XXXX the Supervisor today for my refund since the transaction was NOT AUTHORIZED and Paypal acted immorally and unethically by debiting the cash from my Checking account on XX/XX/24 .... I explained that if there was any Processing problem on XX/XX/24 then the transaction should have been declined .... NOT TAKEN FROM MY CHECKING ACCT!!!!!!!!!! He refused. 
BTW- I have since removed my Banking Debit card from Paypal. 

Dear CFPB .... Please help in making sure that Paypal can not do this type of theft to any consumer again!!!!! What they did here is nothing less than Theft .... No matter what they call it. They changed the rules, created new rules and hid them in the fine print. 

Please have them refund me my {$25.00}!!!!!!! 
Thanks so much!!!!!!
Consumer complaint received 2024-03-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (NJ)

Two medical debts ( Amounts of {$1000.00} and {$580.00} ) were added to my account by XXXX XXXX XXXX agency, Upon reviewing the details of the alleged debt, it became evident that there had been a mistake or confusion regarding the ownership of this debt. As of the time when this debt was incurred in XXXX, I did not possess a Social Security Number, which further confirms that I could not have been the individual responsible for the medical services or expenses in question. I disputed the debt with the three credit bureaus ; XXXX and XXXX didn't remove the debt but XXXX investigated and realized the debt wasn't mine, so they took it off my account. 

Furthermore, I have meticulously reviewed my records and have found no evidence or documentation indicating any association with the medical facility or services referenced in the collection notice. There appears to be a clear discrepancy, and I am confident that this debt does not pertain to me. I have since contacted the collection agency and demanded they send proof that shows the debt belongs to me, but they didn't provide that. I also contacted XXXX and XXXX and requested that you provide me with all documentation and evidence that supports the validity of this debt, including details of the services provided, dates of service, and any other relevant information. None of them could provide proof.
Consumer complaint received 2024-04-14
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: EQUIFAX, INC. (MI)

Fraudulent Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefor exists. In requesting documentation none was provided. Due to identity theft this should be removed.