davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-16
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: JPMORGAN CHASE & CO. (CO)

Chase Auto failed to process multiple final payoff payments on a 60 month car loan. All payments were made online through the customer 's Chase account center and there were no issues for any of them until the last one, XX/XX/2016. After investigating with Chase, they claimed the reason ( s ) the payment attempts failed was 1 ) it was an autopayment and the loan agreement stated that the last payment can not be autopay and 2 ) all subsequent manual payments online failed to process because the customer 's bank XXXX XXXX XXXX was a virtual bank, which Chase claims they can not process payments from. This second statement is completely inaccurate since Chase Auto processed payments from this same bank both before and after the last payment on the auto loan in question. Lastly, during discussion with Chase Auto credit dispute specialist, customer was informed Chase is unable to submit a dispute on the customer 's behalf to the credit bureaus and then later on the same call the Chase Auto credit dispute specialist said that a dispute from Chase was submitted on the customer 's behalf. There were no other payments that failed to process before or after XX/XX/2016. Chase Auto credit dispute specialist also said that because the customer 's bank was a virtual bank, there was no way Chase could assume fault for the payment not processing successfully, despite no payments from this bank failing before or after.
Consumer complaint received 2020-08-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Phoenix Financial Services LLC (IL)

I received a notification of a debt on my credit file. The debt was discharged by XXXX XXXX after I filed a complaint with The Illinois Attorney General 's Office due to billing practices. The debt collection agency never attempted to contact me in order for me to dispute the collection.
Consumer complaint received 2020-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (CO)

XXXX XXXX XXXX is not reporting on-time payments to Equifax. XXXX XXXX XXXX is only reporting past due payments in payment history. This is a FCRA violation and negatively impacts my credit score. Attached please see excerpts from Equifax credit report clearly showing only past due payments in payment history for both account XXXX and XXXX.
Consumer complaint received 2022-10-28
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: WELLS FARGO & COMPANY (MI)

Wells Fargo. How disappointing this is truly you had stated the only thing missing from my XXXX  claim was the police report. I have this in email. After speaking with XXXXXXXX XXXX this is found to be completely inaccurate. They also told you this. Now, the payoff is inaccurate, because you began to charge interest! Based on your poor information! That is posted here on the CFPB website! You will have remove all interest from this account in order for me to accurately settle this account. As you have been the ones who stated I only needed to provide the police report. I will need all documents from this vehicle as my basement has flooded and I have lost all records to this car! Your staff said they will file the gap. I have proof that my progressive agent filed this claim, I have filed this claim and I am not sure what is going on, but it is not due to my negligence. But accurate payoff is now not available based on the interest applied. XXXX XXXX  stated they spoke to Wells Fargo informing them of documents needed. They are sending documents to a home I no longer live at nor lived at when I purchased the car! I am not sure what the confusion is here, but again I can provide proof of the claim being filed on time in. They need a vehicle factory invoice, payoff quote, payment history, cancellation refund amounts, purchase agreements bill of sale, and the finance agreement. According to them this is ALL FAILURE ON YOUR END NOT MINE!
Consumer complaint received 2020-06-16
Product: Credit card or prepaid 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: JPMORGAN CHASE & CO. (NJ)

On XX/XX/2020, I reported a fraudulent charge to Chase on my credit card, ( XXXX Chase Freedom Unlimited ), in the amount of {$150.00}. 

On XX/XX/2020 I received a letter in my Chase account, stating that I " received a benefit from this transaction '' and that I can see the balance on my statement for the fraudulent charge on my account in the next one or two billing cycles. 

On XX/XX/2020, after receiving the letter from Chase, I contacted the company ( XXXX ) to which the charge was made. A representative from XXXX informed me that they refunded the amount charged to my card ( email attached ). However, my credit card statement still shows the {$150.00} charge. 

On XX/XX/2020, after trying to go through Chase Fraud Recovery services, I received a subsequent letter stating that they confirmed the charges were " valid ''.

I'd like to speak to someone regarding this as 1 ) the letters received do not detail why Chase thinks I received a benefit ( I did not, as the charge was fraudulent and I did not make it ), and 2 ) the process of appealing the findings of the investigation. 

When I found out ( the day of the charge ) that there was a fraudulent charge on my account, I immediately reported it to Chase. I am stunned at the letter/disposition I received. 

Thank you, XXXX XXXX
Consumer complaint received 2020-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

Ive requested proof via mail and online of a judgement that was attached to my name on XX/XX/XXXX. I also submitted these papers as I was a victim of identity theft. 

Report Number : XXXX Date Generated : XX/XX/XXXX In their investigation they advised : " The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details '' 1. The Company? The company Experian is referring to is XXXX XXXX. Im not sure why this information isnt stated in the results of their " investigation '' but this is important information for consumers to know who is reporting these type of fraudulent claims. 

2. Experian did not provide any documentation that would solidify that this information is accurate. Proof should be provided and not just a broad statement that what was reported is inaccurate. What is accurate? 

XXXX. When I reached out to said company regarding the release of inaccurate information I was advised via mail at my address which is on file with EXPERIAN which included my name that I could not be located in their system. 

Experian is falsely reporting inaccurate information and anything tied to this judgement should be removed immediately. 

Experian should provide valid documentation to me as the consumer on how this information was validate for accuracy if I am not in XXXX XXXX database.
Consumer complaint received 2020-08-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (NJ)

on XX/XX/2020, an automatic payment was made to Citi ( auto pay setup by me and initiated on their side to pull from my bank ) and cleared my bank on XX/XX/2020. As of XX/XX/2020, the amount of the payment is still not available to use as credit on the account ( ie, my credit limit is temporarily lowered by the amount of the payment amount ). 

I contact Citi 's customer service and was told that they can see receipt of the funds on their side already ( ie, they have my money ). However, there is a verification hold on the payment until XX/XX/2020. That is a nearly 2 week period. 

The representative said there is nothing they can do to release any of the payment funds earlier than XX/XX/2020. 

This happens to be a new card account, so I was told that since is the first payment, that is one reason why there is a hold.
Consumer complaint received 2020-08-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (GA)

A Discover card was opened in XXXX, payment history was timely. An unauthorized dispute of the account was opened, however not authorized by the cardholder. Discover automatically closed the account however left the balance without informing me. 

Payments were effected for XXXX and XX/XX/XXXX due to miscommunication and understanding of what was actually occurring with the account. The way and reasons the account was closed should have left no balance. 

After speaking with several representatives to reopen the account as this was not authorized. No success. However I continue to make impeccable payments to the closed account.
Consumer complaint received 2020-08-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: SYNCHRONY FINANCIAL (TX)

I Had an account with PayPal credit used my credit cards very responsibly always paid on time until around the time COVID 19 came around I lost my job and fell 90 days behind my payment. No relief was given account went to collections but I managed to pay back the XXXX in full amount around XXXX of 2020.
Consumer complaint received 2020-08-08
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (GA)

During the loan modification process, in error Wells Fargo did not offer the trial modification timely. 

XX/XX/2020 I received a letter from Senior Vice President XXXX XXXX of Wells Fargo apologizing for the organizations error and a promise to re-report to the bureaus paid as agreed as it would have been should the modification agreement was offered and made timely. 

This has caused a huge impact to my credit report and scoring over the last couple of years and my ability to qualify for credit.
Consumer complaint received 2020-06-16
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (DE)

Monday XX/XX/2020, I used my Walmart rewards card for a purchase and attempted to get cash back the card never offered a cash back option as usual it just processed the purchase as credit. I asked an associate who was working at self checkout was could their be a problem with the machine because I had just done cash back on another card she stated no we have just two machines here set up for cash back and thats one of them so I asked for a manager who checked out the machine and stated it was fine and told me I may want to contact the cardholder which I did so sitting it my car at the location spoke to a manager named XXXX at Capital one who stated Walmart has suspended cash back to all cardholders. I was very upset I asked how could they take this action without notification, I have never been late and has never missed a payment and most of the time I pay over the amount due, he said Im sorry this is not a decision of capital one we just manage their accounts and its nothing that can be done the decision was made to keep down the spread of coronavirus so members dont have to access the keypads which was an unacceptable answer to me. Next day I contacted Walmart Corporate Call center spoke with XXXX told her the issue who stated we know nothing about the suspension of cash back after doing research in their database I asked to speak with a manager, she then stated I was contacting my manager XXXX via email to see if she had an answer but she also stated they know nothing about this try contacting Capitol One Back. I contractually signed up for these features under the terms and conditions if a change was being made I should have been notified and agreed to it I have an exceptional payment history not only with this card but four others I have which can be proven I need something to be done, its not only an inconvenience it caused me an embarrassing situation in the Walmart location.
Consumer complaint received 2020-08-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: KBR INC DBA RASH CURTIS & ASSOCIATES (CA)

I have never received any information about this debt from this company. I saw this debt in XXXX XXXX. I filed a complaint with CFPB which it then was removed from credit. Upon reviewing the collections on my from the credit bureau this collections is 5 years old and this company has been tarnishing my credit for this long. This company has been removed from all three credit bureaus. Yet turns around and continues to try and collect a debt not owed to them by me. I have no legal or binding account with this " Third Party Collections Agency. Per my consumer rights I do not have to pay a third party collections agency. Also I have never had any connections with any company that I haven't payed for my services or if medical I have medical insurance. CFPB closed this on XX/XX/XXXX for XXXX  and now it is reporting on XXXX. This is harassment. And causing affect to my personal credit. K, B, R , Inc. continues to post on my credit accounts after they have been removed. K, B, R Inc. aka Rash Curtis has no accounts with me has never notified me nor whatever company they are collecting for has notified me for an account number with XXXX I do not have any legal binding accounts with K, B, R or Rash Curtis for them to continue to try and collect from me. They have reached the statue of Limitations 5 years since they said this happened in XXXX XX/XX/XXXX XXXX
Consumer complaint received 2020-08-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Santander Consumer USA Holdings Inc. (FL)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2020-06-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (NJ)

On XX/XX/XXXX a fraudulent withdrawal occurred against my business checking account. I contacted Wells Fargo to open a check fraud claim # XXXX involving an eight-year-old " lost '' check # XXXX in the amount of {$2100.00} issued on XX/XX/XXXX, personally endorsed by XXXX XXXX, XXXX and presented for payment through a XXXX ATM on XX/XX/XXXX. Despite my instructions to immediately stop payment on the check due to its stale status, the check was honored by Wells Fargo. The bank 's negligence allowed for XXXX XXXX, XXXX defrauding of the company during the pandemic imposed by COVID-19. Moreover, as this was done during a time when the company was required, under the State of New Jersey to close its doors as a non-essential business. This fraudulent deposit was intentionally done during this time when the office was closed due to COVID-19. The investigator assigned to the claim ( XXXX XXXX ) took the liberty to close the investigation within days without regard to my request to be contacted about this matter. She determined that this matter should be handled between the parties. After several attempts to contact the investigator, she finally returned my call advising me of her irreversible decision. I explained that this check was claimed " lost '' by XXXX XXXX in XXXX and that severing the business relationship with her involved attorneys, who ensured that all funds between the parties were settled at that time. She advised me to hire an attorney again to recoup the funds, clearly aware of the fact that retaining counsel would exceed the value of the check. Wells Fargo is in breach of fiduciary with costumers not only by placing the accounts at risk due to negligence but also for their failure to ensure that adequate and fair support is available to their loyal costumers. The claim was escalated to the executive level on XX/XX/XXXX and awaiting resolution.
Consumer complaint received 2020-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC. (GA)

Midland funding LLC failed to remove their tradeline from my credit reports in a reasonably time. This is causing my report to become more negative thus having a huge impact on my credit score. They had hired a law firm, XXXX, XXXX , XXXX  XXXX, for the collection of debt owe to them. The debt was settled as agreed with the law firm over a month ago, which was in XX/XX/2020. I called Midland on XX/XX/XXXX and XXXX to let them know that they had not updated/removed the information. Midland keeps telling me that it takes more days for changes to the report. Another person in Midland 's consumer department named XXXX, said that the law firm needs to let them know that the debt has been settled before updating. I called the law firm they suggested it was a matter to be taken up by Midland funding LLC. I will like my report to be updated immediately. Overall Midland funding is taken a long time to update/ remove collection from credit reports.
Consumer complaint received 2020-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BSI Financial Holdings, Inc. (UT)

BSI Financial Services are reporting lates on my account in XXXX and XXXX. I should not have any lates. I have been making my payments on time EVERY month and I don't understand why they are reporting inaccurately. These lates are erroneous and need to be removed off my credit.
Consumer complaint received 2020-08-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (CA)

I have been a public servant for twelve years since XX/XX/XXXX. I have made timely monthly payments through autopay during my employment as a public servant. Today XX/XX/XXXX I received a PSLF rejection letter because I have insufficient qualifying payments. However, I believe that I have made 120 payments and that I qualify for Temporary Expanded Public Service Loan Forgiveness. I have called FedLoan Servicing requesting records of all of my payments including the ones made to previous loan servicers. Despite many phone calls, I have not been able to obtain a comprehensive payment history. I was told pay history documents would be mailed to me but I have not received them. Today XX/XX/XXXX, I called FedLoan and was told by an employee that they could not give me any information regarding my total number of payments. I was told to contact my previous loan servicer to get information regarding payments made to them. The previous loan servicer no longer has information regarding my payments. I have applied for TEPSLF but I do not know the status of the application nor how many qualifying payments FedLoan has recorded.
Consumer complaint received 2020-08-08
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: Lendmark Financial Services (WA)

I have a loan with LENDMARK FINANCIAL SER, 01 XXXX XXXX ( Original Creditor : 01 XXXX XXXX XXXX ), and XXXX XXXX XXXX   XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, LENDMARK FINANCIAL SER, 01 XXXX XXXX ( Original Creditor : 01 XXXX XXXX XXXX ), and XXXX XXXX XXXX XXXX with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2020-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (GA)

I have filed two credit disputes with LexisNexis in regard to a bankruptcy being reported on my consumer credit Public Records profile. My last certified dispute letter was dated XX/XX/2020. I requested that they provide me the original documentation bearing my signature and method of verification for this public record and all associated accounts or promptly delete. LexisNexis responded to my first request. The response letter was dated XX/XX/2020. LexisNexis stated on page 1 the following, " We are unable to process your request at this time, additional identification information required to process your request. '' a blank form to get my personal information at the same time they sent me a copy of my credit file if they didn't have my information it doesn't make sense they sent me a whole credit report file. I know for sure that LEXISNEXIS failure to provide reasonable procedures used to verify this alleged Bankruptcy account is a violation of the Fair Credit Reporting Act. I sent a letter to the US BANKRUPTCY COURT in XXXX, GA on XX/XX/2020 and they have provided me with confirmation that they do NOT supply information to credit reporting agencies, a letter postmarked on XX/XX/2020. There are several violations of the FCRA in this case and anything but permanent deletion from my credit profiles would be a violation of my civil rights.
Consumer complaint received 2020-08-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION (FL)

I had my phone stolen in XXXX With that being said i tried to file a police report. Due to covid they said unless it was an emergency or I knew who took my phone there was nothing they could do. I then contacted my bank once I noticed there was wire transfers to XXXX made in XXXX which I did not recognize the name and since then there has been over 20 transactions with XXXX and XXXX. I was able to get XXXX to remove my card info in XXXX after 2 months of trying to reach someone. I filed a claim with suntrust they denied it and then denied the rebuttals. I had over XXXX stolen in 3 months and no action was taken. Suntrust was to block all transactions but never did. I am going to be evicted from my home because of this stolen money and now my account is over {$400.00} negative. Is there anyone who can help me get my stolen money back. I feel SunTrust did not protect me as a bank and they just allowed me to be robbed.