davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-12
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO. (CA)

XX/XX/XXXX - XX/XX/XXXX statement for this account was published. 
XX/XX/XXXX- XXXX from Chase sent stating that this account was closed. 
XX/XX/XXXX - Received email stating that XX/XX/XXXX account was available for viewing. 
XX/XX/XXXX - Called Chase to inquire why a statement for a closed account was sent out. The Chase representative informed me that the account was never closed and was still open as of the time of the call. Representative then processed the account closure for the 2nd time.
Consumer complaint received 2024-02-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (MI)

Chase Bank is denying my claims that the transactions made from out of the country on my checking account are all fraudulent transactions. I told the gal Ive never been out of the country and I can show her my passport to prove Ive never left the country and all the transactions made and posted on XXXX XXXX are fraudulent. They closed my claim for {$690.00} for ATM transactions because their investigation indicated they were made using a PIN number. During a previous recorded conversation I was asked if I had the card that was used for the transactions in my possession. I said yes I do. Their investigation then concluded it then had to be me that made the transactions. Even though I told them it was not me and the proof I have is my passport indicates I never left the country. I was told by the gal there was nothing further I or they could do. The gal then asked me if there was anything further she could help me with. If not, she would end the call with me! They are also investigating several other fraudulent transactions on my account that have occurred out of the XXXX which looks like they are specifically from XXXX. There was also a fraudulent transaction where a transfer of {$480.00} was transferred from my savings account to my checking account which was used to try to cover a portion of these fraudulent transactions. That left my savings account with a XXXX balance which I would never allow it to go down to! They have started to return a small portion of the fraudulent transactions back to me but not even half of them have yet to be returned to me! 
Thank you for your help in this frustrating matter with Chase Bank!
Consumer complaint received 2023-12-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

In accordance with the fair credit reporting act XXXX account # XXXX, # XXXX, # XXXX XXXX, XXXX, has violated my rights. 

15 U.S.C. 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 section 602 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-07-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXXXXXX 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 2024-03-07
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Leaders Financial Company (NY)

In XX/XX/2023 I asked Leaders Financial Company to pick up my car to be sold at auction. I received a certified letter letting me know of the auction date and that if the car was sold for under what I was owed, then I would be notified of the remaining balance. I never received any letter from Leaders after the auction date or any phone call about a balance. Then in XX/XX/2023 I received a collection notice from XXXXXXXX XXXX XXXX XXXXXXXX. I never received written proof of what my car sold at auction or what the tow fees were. I dont understand how I was sent to collections by Leaders when they never attempted to see if I would pay the balance. I was just sent to collections which is upsetting since I would have worked to make payments to what I owe also where is the proof of what my car sold for? They also claim to send a letter which I never received about any debt if the notice of the auction date was sent certified why not the final bill?
Consumer complaint received 2024-03-04
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc. (VA)

This is the 2nd complaint I have files against the CBE Group! I have never had a XXXX Account at the address they are showing. I have asked for documents showing where I approved for an account to be in my name and they can not provide. I have NEVER AUTHORIZED ANY XXXX  ACCOUNT TO BE PLACED INTO MY NAME!!! They agreed last time I filed a complaint and here we are again Please help!
Consumer complaint received 2024-03-07
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: Resurgent Capital Services L.P. (SC)

Resurgent capital services added old debts grester than seven years old to my XXXX XXXX account that I was paying. I did not know this until I started paying. They only put in the sheet XXXX XXXX and did not add XXXX to the title sheet
Consumer complaint received 2024-02-16
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (WY)

The credit cards with USAA, XXXX, and XXXX have extremely high interest rates, variable, and after 6 years of paying them on time, I still have the same balance. I have paid off the principle 3 times on each card, but the payments are so high I then use them to live so the balance never goes down. This year I called all 3 companies in an attempt to negotiate the principle so I could pay them off. They will not negotiate. Again, I have paid off the principle amount 3 times. 
Thank you
Consumer complaint received 2024-03-06
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: FIRST NATIONAL BANK OF OMAHA (NV)

Yes, I have started a fraud claim with the FNBO credit card company and Once I have called in and reported that my card has been lost and stolen over the phone because I might have drop it or lost it near the airport once I did my XXXX drop off and the FNBO company told me not to worry that I wouldn't be held reliable and not once have they called me or ask me anything about my situation. On top of that they have denied my claim and think i never lost my card??? I even looked at the transaction and it showing it was out of state? I'm not sure what the company is trying to do to me..
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NY)

Dispute i sent was not investigated by Experian, Keep receiving emails from experian claiming the dispute was not sent by me and they won't move foward with MY dispute, These stall tactics are getting frustrating, where is my consumer protection? in my dispute i sent in a photocopy of my drivers license, social and bank statement, there should be no reason why i keep receiving these stall emails trying to actively IGNORE my sent dispute. 

Attached is a copy of my factual dispute. Any more emails like this and we will take legal action.
Consumer complaint received 2024-03-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (TN)

The account was opened on XX/XX/XXXX the company never provided any debt verification letter in the 30 day timeframe before reporting or after reporting to any credit bureau to verify the information is accurate or inaccurate. The company used tactics like emailing from a email by the name of XXXX and not the companies name so each email went to spam, I am assuming the company did this to avoid me finding out about the inaccurate information they are reporting. The company also never sent anything by mail and admitted to this by phone call XX/XX/XXXX the manager stated the XXXX ( someone who is not associated with the collection company ) sent me by mail a goodbye letter ; in which I advised I never received and she stated well they did and that the collection company did not have to send me anything. When asking for debt verification letters by phone and purchase agreement the company advised they were not aware if they could and stated they did not know what mail goes out. 

Please assist me with disputing this information from all three credit bureau 's immediately as the information is inaccurate and the collection company is attempting to do shady business.
Consumer complaint received 2024-03-04
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: World Acceptance Corporation (WI)

I am currently in court disputing this debt with the company attorney and have been in court with them since XX/XX/2024. Company currently summons me to court while in dispute for an amount of {$5300.00} but every month they continue to increase the amount owe to the credit bureau as if the account is active but the account is showing as in collections. Right now the credit bureau is showing late payments and the current amount due has increased to over {$8000.00}. My next court day is XX/XX/2024. 

The company is in violation of the law CHAPTER 427 CONSUMER TRANSACTIONS DEBT COLLECTION 427.104 Prohibited practices. 
( 1 ) In attempting to collect an alleged debt arising from a consumer credit transaction or other consumer transaction, including a transaction primarily for an agricultural purpose, where there is an agreement to defer payment, a debt collector may not : ( a ) Use or threaten force or violence to cause physical harm to the customer or the customer 's dependents or property ; ( b ) Threaten criminal prosecution ; ( c ) Disclose or threaten to disclose information adversely affecting the customer 's reputation for credit worthiness with knowledge or reason to know that the information is false They are currently still reporting to all credit bureau 's an increasing amount of debt and have not indicated the debt is being disputed. I asked the representing attorney in court and via email why is it that they are suing me in court for one amount but the company they are representing keep reporting to the credit bureau increasing amounts and was told they had nothing to do with what the company is reporting they are only concerned with the amount they are suing me for which is {$5300.00}. I told them well I am concern because it is like they are trying to get money out of me from them for one amount but the company is reporting a totally differnt amount and may attempt to come after me for that amount as well. Again the attorney told me that is not their problem.
Consumer complaint received 2024-02-29
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: GOLDMAN SACHS BANK USA (TX)

I closed a joint account with Apple/Goldman Sachs , then opened a new account with them solely. The joint account had no balance when closed, they told us it was fully paid off, it turned out it had an installment balance for a new XXXX on it that did not show on my mobile app. Apple/Goldman Sachs stated that they called me and said that I need to call in payments for the installments on the old account, I do not recall receiving this call. Apple/Goldman Sachs emailed me on XX/XX/XXXX to make a payment of {$17.00} ( which is the installment payment ), I opened the link/wallet app and made a {$50.00} payment, they then emailed me on XX/XX/XXXX to make the {$17.00} payment, I then paid off the entire card balance. This entire time I was paying the current card I have, not the closed account, even though the email stated to open the wallet app and never gave an account number assosciated with the payment request. So Apple/Goldman Sachs was linking their email payment requests for my old account, to my new account, a severe glitch that now has lowered my credit score by XXXX points, as they claim I have a past due balance. I have multiple records of phone calls with Apple/Goldman Sachs asking if I have a past due balance because I kept receiving phone calls stating I did, which sounded like spam. I would call Apple/Goldman Sachs and ask and the agents all told me these are mistake calls and my account is paid. Until recently, I called again and spoke to a higher level supervisor and he said I had a {$410.00} balance due, which I immediately paid the same day, but this was too late as it hit my credit score on XX/XX/XXXX. This is very misleading, and lead me to have a balance due that I thought I paid off but it was not going to the correct account.
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I recently, I did and investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S Code 1681e ( b ) Accuracy of reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information if found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Please remove the following items from my credit report, immediately : Account name : XXXX Account XXXX XXXX Account name : Account name XXXX XXXX XXXXXXXX Account number XXXX Account name : Account name XXXX XXXX XXXX  Account number XXXX Account name : Account name XXXX XXXX  Account number XXXX Account name : Account name XXXX  Account number XXXX
Consumer complaint received 2023-12-06
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Alliance One, Inc. (DE)

Ive received a letter from Alliance global claiming that I owed XXXX on my XXXX account bill. However, this bill was paid. I have contacted XXXX  multiple times by phone and they have confirmed and I also have screenshots of my payment and confirmation that I have attached below.
Consumer complaint received 2023-11-16
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. (FL)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-07-11
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: Experian Information Solutions Inc. (TX)

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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX Balance : - XXXX XXXX XXXX  XXXX XXXX : {$1300.00} XXXX XXXX XXXX Balance : {$130.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Original creditoXXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$600.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : {$0.00} EXPERIAN XXXX XXXX  Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX
Consumer complaint received 2024-02-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (OH)

XX/XX/XXXX - received notification that loan XXXX  ( total of 2 were forgiven as of XX/XX/XXXX XX/XX/XXXX received XXXX separate email documents that my remaining loans were paid in full XX/XX/XXXX submitted complaint on student aid.gov XXXX XXXX  regarding the status of my refund overpayment, followed up on XX/XX/XXXX requesting my case be escalated to the Ombudsman as of XX/XX/XXXX no response XX/XX/XXXX contacted Nelnet by phone representative XXXX indicated my refund file was in process totaling {$23000.00} as of XX/XX/XXXX XX/XX/XXXX contacted Nelnet by phone representative XXXX was unable to assist and transferred the call to solutions specialist XXXX that indicated my Account has been flagged for both IDR ( income driven repayment adjustment ) and BD ( Borrowers Defense ) with 2 refund amounts reflecting {$23000.00} and {$17000.00} and also indicated I should be getting a letter about the BD XX/XX/XXXX contacted Nelnet by phone representative XXXX indicated the refund was sent to Treasury but, no date ; he then transferred me to solutions specialist XXXX that indicated adjustments were sent but, no date ; she was unable to confirm BD on my account but, reconfirmed {$23000.00} and {$17000.00} XX/XX/XXXX contacted Nelnet by phone representative XXXX doesnt show anything further and transferred my call to solution specialist XXXX who indicated my file was sent to the US Treasury on XX/XX/XXXX but, since it is a larger amount, it takes time XX/XX/XXXX submitted first CFPB complaint, XXXX XX/XX/XXXX contacted Nelnet by phone representative XXXX indicated that she sees reversals on my account but, no other details and transfers the call to solution specialist XXXX who after spending time reviewing my account indicated she was sending a request to the accounting department to review my account and I should receive an update via email as of XX/XX/XXXX, no update has been received XX/XX/XXXX contacted Nelnet by phone representative XXXX indicated she XXXX not able to assist due to her training and transferred my call to solutions specialist XXXX who confirmed the previous solutions specialist did send the request to accounting to have my account reviewed on XX/XX/XXXX. XXXX further confirmed that my account reflects BD and IDR Due to the lack of information from the representatives by phone, I attempted to email Nelnet 3 times, only to be advised they could not locate my account even when a screenshot of my account was provided ( see attached )
Consumer complaint received 2024-03-03
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (SC)

Hi, I hope you're having a good day. Some time ago, I received an AMEX gift card as a reward from a XXXX website, specifically " Inboxdollars. '' The card has a value of {$5.00}, and I was able to activate it. However, I've been unable to use the balance. I tried on various platforms ( XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, etc. ), but it always gets rejected, except for XXXX, where I used it for a trial version of XXXX XXXX, which I plan to cancel. There's currently a pending charge of -XXXX cents on XXXX. 

Today, on XX/XX/XXXX, I contacted customer service to finally understand why my card is consistently rejected everywhere, even on sites that accept AMEX. The customer service representative informed me that they couldn't do anything to help, suggesting that I keep trying on different sites until one accepts it. This doesn't seem like an appropriate customer service approach to me, as it lacks a resolution. It appears to be a questionable practice on the part of the company, preventing consumers like me from using their money. 

The details of the AMEX card in question, with a {$5.00} USD balance, are as follows : Card Number : XXXX XXXX XXXX XXXX Expiration Date : XX/XX/XXXX CVV : XXXX I hope you can assist me as soon as possible, as I've never encountered such problems before. If a refund is possible, I prefer it through XXXX or electronic means, as I'm not fond of physical methods like checks. Please let me know in the response email. Thank you very much.
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.