davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-10
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. (CA)

On XX/XX/XXXX, I contacted Chase Auto Loans in order to obtain the pay-off balance due and provide payment in full immediately and during the same banking session wherein I was provided with a total pay-off balance due of {$5600.00}, which would carry over and remain a valid amount due over the following 10-14 days. Thereafter, I received congratulatory letters of acknowledgement via XXXX, as well as a hard copy sent via USPS First Class Mail. Additionally, approximately 2-3 weeks thereafter, I received the original Title in the mail. On or about XX/XX/XXXX, I received a letter from Chase Auto informing me that my Auto loan was in arrears and needed my attention immediately. What ensued thereafter was nothing shy of ugly, argumentative, combative and non-resolute. Chase Auto 's contention is that I paid off MOST of the loan, shy of approximately {$40.00} when I paid a total amount of {$5600.00}, the amount I was given as the total payoff. I refuse to continue being extorted like this, " pay us XXXX XXXX XXXX  to satisfy your debt, or suffer the consequence. '' I am on XXXX and rely solely upon this monthly benefit to live on. Furthermore, I have been a Victim of Identity Theft, once in XXXX and the other in XXXX, which proved to be an exhaustive year long battles, both times, in order to finally set the record straight and ONLY because the disputed debt was determined to be too old in age to legally continue derogatory reporting upon. Common logic would dictate if my intent was to pay-off the loan in full, why would I choose to subtract {$40.00} from the total pay-off balance just to leave a rather high balance & obscene interest rates?
Consumer complaint received 2022-04-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (CA)

The original creditor - XXXX - is billing us for a service that hasnt been provided by them. The service was provided by another company named XXXX and already paid in full. My physician ordered a genetic test for me through XXXX on XX/XX/2021. Afterwards, I got a text message from XXXX that I may pay {$250.00} for the genetic test before XX/XX/XXXX if I do not want to use insurance ; otherwise, I will pay through insurance with an out-of-pocket estimate of {$1000.00}. I paid {$250.00} to XXXX on XX/XX/XXXX in order to avoid the out-of-pocket cost. Afterwards, we got several letters from XXXX billing us {$1100.00} for the same service that we already paid for to XXXX. When we contacted XXXX, they denied any relation to XXXX and affirmed that I have XXXX balance with them. Afterwards, I contacted XXXX to clarify that they offered no service to us and the genetic test had already been paid in full with XXXX. They denied that the test had been paid for and only offered to reduce the bill to {$490.00} if I participated in some questionnaire. 

Recently, a debt collection company has reported the fraudulent charge of {$490.00} to my credit account which affected my credit score negatively.
Consumer complaint received 2022-04-21
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NV)

Commencing on or about XX/XX/2015, I fell victim to a multilayered scam operation orchestrated by XXXX XXXX ( the Company ), with the design, development, manufacture, promoting, marketing, distribution, labelling, and/or sale of illegal and outright fraudulent investment services, '' all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of client losses to gains. 
Money was transferred from my account via bank wire in the total amount of XXXX USD utilizing JP Morgan Chase XXXX
Consumer complaint received 2024-03-08
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. (IL)

Throughout my history with this account, I've consistently maintained timely payments, preventing any instances of overdue payments. I'm uncertain as to why there are reports of late payment remarks on my accounts. As per 15 USC 1666b - Billing Error, corrections should be made.
Consumer complaint received 2022-04-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (MD)

In XXXX I consolidated my loans in order to be eligible for XXXX. I was on track to accrue XXXX PSLF payments in XX/XX/XXXX. The Fedloans representative I called specifically told me that some of my loans were already direct loans and did not need to be consolidated in order to qualify for XXXX. The Fedloans paperwork and website made it difficult to see which loans were actually accruing XXXX payments, and it took me several years to realize that some of my loans were not accruing XXXX payments. I was devastated. Dealing with Fedloans was so awful and frustrating that it made me physically ill. In XXXX I was told by FedLoans on the phone and in writing that my only option was to consolidate those remaining loans and start over with XXXX. Because Im on an income-based plan when some of my loans accrue XXXX PSLF payments in XX/XX/XXXX, my monthly payment will still be based on my income and will not go down until the remaining loans accrue XXXX payments in XX/XX/XXXX. I was hopeful that the XXXX waiver would correct the situation. Fedloans has continued to be difficult to communicate with, slow to reply, and unresponsive when replies do come. I have been paying all of my loans on income-based plan since XXXX while working for PSLF-eligible government agencies. The payments I made between XXXX and when I was forced to consolidate again in XXXX should count so that all of my loans- all which I have been paying the whole time on income based plans while working for eligible employers - accrue XXXX payments at the same time. FedLoans has failed to be a decent and honest servicer, and I am now extremely worried that the XXXX waiver will also fail to correct the damage caused by FedLoans failure to provide accurate information and unfair practices. Thank you very much.
Consumer complaint received 2022-04-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (WI)

A couple of months ago I reached out to XXXX XXXX about a debt that wasnt mine. I disputed it and it was removed as the agency could not provide any info. Now XX/XX/22 the same debt popped up on my report again but with a different creditors name on it. I called them immediately and they said it would need to pay for them to see it. The name was XXXX on the account. I never got any info on who they were trying to collect a debt for or the amount. He refused until I paid to have my credit report pulled. I have NEVER ever had an agency ask for me to pay so I did not.
Consumer complaint received 2022-04-21
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

Commencing on or about XX/XX/2017, I fell victim to a multilayered scam operation orchestrated by XXXX XXXX ( the Company ), with the design, development, manufacture, promoting, marketing, distribution, labelling, and/or sale of illegal and outright fraudulent investment services, '' all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of client losses to gains. 
Money was transferred from my account via bank wire in the total amount of XXXX USD utilizing Bank Of America XXXX.
Consumer complaint received 2022-10-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY (DE)

On XX/XX/XXXX, I paid American Express {$70.00}. Additionally, on XX/XX/2022, I paid the XXXX XXXX of {$2000.00}. After paying my account XXXX XXXX, XXXX XXXX later, on XX/XX/XXXX, I received a bill for {$42.00} despite having a XXXX balance. For this reason, on XX/XX/2022, I spoke with several representatives, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, about interest charges owed on a XXXX balance. He told me the bill was valid and that he would credit me {$20.00}. However, when I called back, another representative said I had to get approval before receiving the credit. This is my second time dealing with this problem with American Express. On the previous occasion, the representative told me there was no charge on a XXXX balance and fixed the error ; however, this time, the representatives elected not to.
Consumer complaint received 2022-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

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.

XXXX  XXXX XXXX Original creditor : Account number : XXXX XXXX XXXXhas violated my rights XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-04-21
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: BMW Financial Services NA, LLC (CA)

I sent on XX/XX/XXXX a dispute. A verification of accounting. Company failed to respond or contact me about my dispute. I talk to an agent. Agent failed to acknowledge my claim just ask for a payment with out verification of my dispute. My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against BMW Finacial Services, for committing identity theft. I have never given BMW Financial Services, any permission to use any of my identifying information to commit fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article XXXX, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ).

I have not validated any alleged debt with BMW Financial services and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XX/XX/XXXX, I have not received any documentary evidence, such as a trilateral contract, giving BMW Financial Services right to collect on this alleged debt. 
I have never received any documentation requesting validation from BMW Financial Services, before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If BMW Financial Services, can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation.

I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until BMW Financial Services, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and BMW Financial Services, continues its collection efforts, I will file for litigation for actual damages caused and BMW Finacial services will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Consumer complaint received 2022-04-21
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

Portfolio recovery falsely updated a very old account. Constantly harassed me with false lawsuits. Have failed to respond to dispute within the 30 days timeframe. This account was ilegaly sold to a third party.
Consumer complaint received 2019-10-10
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. (MS)

I recently applied for an apartment and I got denied. I don't understand why I would be denied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see items that aren't mine. I contacted the police locally and FTC. I don't understand what's going on, but these items are not mine and they all need to be deleted from my credit report. XXXX XXXX XXXX XXXX XXXX XXXX. And these inquiries are not mine either : 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 2015-10-15
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL (OH)

Credit Care cancelled my credit card do to inactivity. This has affected ( lowered XXXX my credit score. I had do nothing wrong and had no late payments etc. Symphony Bank said my other card XXXX would also be cancelled do to non activity. This has large credit availability and will further effect my credit score. They want me to use my card and for them to collect interest or suffer the consequence. I see no other reason to cancel an account if it was and is in good standing, never late and paid the balances on time.
Consumer complaint received 2017-01-05
Product: Credit card — 
Issue: Balance transfer fee — 
Company: BARCLAYS BANK DELAWARE (AZ)

I have complained about this issue before but it falls on deaf ears. I am attempting to pay down a balance transfer on my credit card but the payments that I am making are not being allocated to my account and are " disappearing ''. I was told that I could pay off the balance transfer fee at any time so I have sent in XXXX seperate payments just in XXXX alone to try to pay off all my interest bearing purchases and the balance transfer fee so that all that remained was the zero interest balance transfer. When I send in the payment amount that I am told to pay to pay off those purchases and transfer fee, the payments never get applied. I want everyone who reads this that this offer is nothing but a scam and that anyone who attempts to pay down their balance transfer will never get it paid off since payments mysteriously disappear and are not applied to the account. I have a friend who works in the banking industry and has put me in contact with the Securities and Exchange Commission as well as the Federal Reserve. They as well as my attorney are very interested in this illegal activity.
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

I am writing to formally lodge a complaint and request an investigation into the actions of XXXX XXXX XXXX regarding my credit report. I have recently discovered several discrepancies that I believe are in violation of consumer protection laws and credit reporting regulations. 

Account Information : Creditor : XXXX XXXX XXXX  Account Open Date : XX/XX/XXXX ( Experian & XXXX ), XX/XX/XXXX ( XXXX ) Closed Date : XX/XX/XXXX ( XXXX only ) Date of Last Activity : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Experian ), XX/XX/XXXX ( XXXX ) Date Reported : XX/XX/XXXX ( XXXX & Experian ), XX/XX/XXXX ( XXXX ) Credit Remark : Reported as a loss by credit grantor ( Experian ) Last Payment Date : XX/XX/XXXX ( XXXX & Experian ), XX/XX/XXXX ( XXXX ) The following issues indicate non-compliance with relevant consumer protection laws and credit reporting guidelines : Discrepancies in Last Activity Date : The date of the last activity on my credit report is stated as XX/XX/XXXX for XXXX, XX/XX/XXXX for Experian, and XX/XX/XXXX for XXXX. Such a significant difference in the last activity date is concerning, as it suggests inconsistencies in reporting across the three major credit bureaus. This lack of uniformity raises questions about the accuracy and fairness of the information reported, potentially violating the Fair Credit Reporting Act ( FCRA ). 

Inaccurate Credit Remark : The credit remark stating " reported as a loss by credit grantor '' by Experian is misleading and potentially damaging to my credit history. This remark is not only unclear but may be inaccurate, violating the FCRA 's requirement for creditors to report accurate and fair information. 

Date of Closure Discrepancy : The account closure date is reported as XX/XX/XXXX by XXXX only, with no corresponding information for XXXX and Experian. This disparity creates confusion regarding the status of the account, making it difficult to ascertain the account 's history and compliance with the FCRA 's regulations. 

I kindly request that the Consumer Financial Protection Bureau investigate these discrepancies and potential violations of the Fair Credit Reporting Act. Furthermore, I would appreciate your assistance in addressing and rectifying these issues with XXXX XXXX XXXX, to ensure that my credit report accurately reflects my financial history in accordance with the law. 

Please find enclosed copies of my credit reports from XXXX, Experian, and XXXX, highlighting the discrepancies for your reference. 

Thank you for your prompt attention to this matter. I look forward to your response and any guidance on how to proceed in resolving this issue.
Consumer complaint received 2022-04-21
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aldridge PIte Haan, LLP (GA)

Received letter from XXXX XXXX XXXX forwarded to my new address. I do not live in XXXX XXXX stating my wages would be garnished for a total garnishment claim of {$3100.00}. Letter stated I had 45 days for an answer. I paid Aldridge Pite Haan a few days later for the exact amount on the letter. After paying the next day I called Aldridge Pite Haan because I did not get a receipt and I wanted them to send a letter of stop garnishment. Spoke to a representative that told me I had to pay more money because interest is daily and they would not stop the garnishment. Despite the total garnishment claim being {$3100.00} which I paid. They also told me they would not stop the garnishment until 45 days later stating there were rules. That week my wages began to be garnished and continue to be. I still have not received receipts a letter of stop of garnishment nothing in reference to this account other than what they sent to the courts despite the updated address I provided them I have also sent Aldridge Pite Haan e-mail communication two weeks ago which still remains unanswered.
Consumer complaint received 2022-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

Enclosed is what XXXX last reported as balance to bureaus XXXX ... And I also enclosed what is my correct balance owed XXXX I've called XXXX and they won't update balance. I filed a dispute with all three bureaus but XXXX claims my balance is XXXX.
Consumer complaint received 2024-05-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I entered into a loan agreement with XXXX XXXX in XXXX A short time after an identity theft situation caused me to indirectly default on the loan. This loan is being repaid through a third party I contracted with. 
XXXX XXXX listed this loan as closed on my credit report however they listed it as two seperate entries with two seperate account closing dates. The amounts shown are the same, one shows XXXX balance and one indicates a declining balance with payments being made. 
Only one account closure should be listed on my credit report. It is having an unneeded negative impact on my credit.
Consumer complaint received 2022-04-21
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. (NJ)

I am writing this letter in an effort to remove inaccurate information from my credit report. The following information you have placed on my file has seriously affected my credit profile. Please be reminded that it is important that credit bureaus maintain accurate information per the Fair Credit Reporting Act. 
The following account does not belong to me and should be removed from my credit report immediately : The following accounts are not minded accounts. No knowledge account. 



DEPT OF ED / XXXX ACCT # XXXX The account is not mine. Resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. 

XXXX ACCT # XXXX The account is not mine. Resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. 

XXXXXXXX XXXX XXXX ACCT # XXXX The account is not mine. Resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. 

XXXX XXXXXXXX XXXX XXXX  ACCT # XXXX The account is not mine. Resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. 

XXXX ACCT # XXXX The account is not mine. Resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. 

XXXX XXXX ACCT # XXXX The account is not mine. Resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. 

XXXX XXXX XXXX ACCT # XXXX The account is not mine. Resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. 

XXXX XXXX ACCT # XXXX The account is not mine. Resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. 

XXXX XXXXXXXX XXXX XXXX ACCT # XXXX The account is not mine. Resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc.