davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-11-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Nelnet, Inc. (TN)

My student loans were transferred/sold through several different places and I could n't find the company that had bought them. My credit file shows missed payments from XX/XX/XXXX through XX/XX/XXXX ( 11 missed payments ). Nelnet had my student loans at this point but I did not know who had my student loans. I called multiple places to try to find where my student loans where, but know one could tell me anything. I also moved from my original residence after completing college. I make my student loan payments monthly since learning that Nelnet had them. The missed payments were not my fault because I did not know where the student loans where.
Consumer complaint received 2016-05-10
Product: Credit card — 
Issue: Late fee — 
Company: JPMORGAN CHASE & CO. (VA)

I remitted a payment to my JP Morgan Chase credit card moments ago via the company 's mobile application on XXXX XXXX, 2016. The due date on via the app is XXXX XXXX ; however, in checking my recent charges/expenses, it showed that JP Morgan changed me a {$37.00} late, which was imposed on XXXX/XXXX/16, which happens to be the date of my payment. I spoke with a rep, who in a condescending tone, stated that any payments made online after XXXX would be considered late, despite the fact that it is XXXX. JP Morgan should not be imposing late fees base on the limitations or capabilities of its system ; instead, based on the agreed upon due date. JP Morgan has repeatedly charged me with, and thus reduced my available balance based upon faulty due dates and limitations on their system. This abrupt reduction in my available balance has also impacted my credit score. Please help.
Consumer complaint received 2019-03-28
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. (MN)

I checked my credit report with a big surprise is a 2 collections items without any information ( creditor. address, phone ) only show the amount 2 differents accounts.That information is damaged my credit since my score is low because of this items my loan application has been declined.

My bigger surprise is theses 2 accounts without any information, I never got any letters or documentation, in this point I don't know how is the creditor, is irresponsable to report this kind of information.
Consumer complaint received 2020-09-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (CA)

I have a Chase United Explorer credit card. On my XX/XX/2020, statement, I earned 10,001 XXXX miles ( 10,000 miles from Refer-a-Friend bonus and 1 mile from regular purchase ). However, only 1 mile has been added to my XXXX mileage account.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (TX)

Hello, please see attached Supporting documents for fraudulent inquiries and accounts that dont benefit nor was it authorized. I mailed XXXX, Experian and XXXX a ftc as stated on their website along with proof of residence and identity but yet they ignored my request. I was advised account will be removed within 4 business days.
Consumer complaint received 2018-12-14
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: EQUIFAX, INC. (FL)

I've been going back and forth with XXXX/XXXX/XXXX and the credit bureaus about an account that keeps being deleted and added back to my credit report since XX/XX/2007. Each time I contact one of them they state it's the other 's fault. I just filed a complaint against XXXX/XXXX/XXXX and in their response they stated that they were doing just like I said- reporting the account as if it were more than one account and that they corrected it and removed it and if it's still showing then the credit bureaus are at fault. I just want it removed. I only have one student loan. And these accounts are annoying and ruining my credit report and my life!!!! Please see attached documentation and remove the XXXX/XXXX/XXXX account and stop adding it back on after deletion. Thanks.
Consumer complaint received 2018-05-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Weltman, Weinberg & Reis Co., L.P.A. (MI)

In XX/XX/2014, a default judgement was entered against me by Weltman, Weinberg & Reis Co. LPA. I called them and immediately set up monthly payments to pay off the judgement. I made all of these montly payments and then didn't hear from them again until now - 4 years later! Now, they say that I owe an additional {$290.00} and have garnished my wages in order to get it! I have NO idea where this additional amount came from or why on earth they waited FOUR years to come after me yet again! I called them and spoke to 2 different people and nobody seems to have their dates/amounts right at all! This seems HIGHLY suspect, bordering on illegal!
Consumer complaint received 2022-03-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (TN)

I lost my wallet before the pandemic in XX/XX/XXXX. The transactions in error started in XXXX. I was working off and on doing side jobs at that time so I had steady cash flow, I did not have any reason to use any of my cards. However, The Chimes card, my unemployment card, XXXX XXXX card, etc was in my wallet and the wallet was lost/stolen. I found out that I had unauthorized transactions on all of the accounts when I viewed the online statements involving the missing cards. I reached out to Chime online banking to make them aware of what had happened. I was told that they would file the disputes and that my account would be credited back. I sent a police report to verify that my wallet had been lost/stolen but somehow the police that wrote up the police report forgot to add the other cards that were missing so I sent them the police report that I had. The amount was around five to six thousand dollars based on my understanding that the resolution department disputed thirty-five thousand. I filed two claims this has been going on since XX/XX/XXXX. And nothing has been done about the unauthorized transactions in error. I rebutted the unauthorized transactions as well. I was told today that they could not locate the transactions in error and Chime keeps asking me do I recognize the transactions in error I keep explaining to them no I don't because my wallet was lost/stolen. Chime also, stated that they had cancelled the old card and that when I receive the new card I could call them back and they dispute the charges and that they would credit my account back but that never happened. I want the deposits that went into my account put back on my card
Consumer complaint received 2022-06-20
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: EQUIFAX, INC. (MA)

In accordance with the Fair Credit Reporting act, XXXX has violated my rights XXXX XXXX XXXX has violated my rights XXXX  XXXX XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX XXXX  has violated my rights XXXX XXXX has violated my rights XXXX  has violated my XXXX XXXX has violated my rights XXXX XXXXas violated my rights XXXX has violated my rights XXXX XXXX has XXXX my rights XXXX has violated my rights XXXX XXXXXXXX XXXX has violated my rights XXXX XXXX has violated my rights XXXX has violated my rights XXXX XXXX has violated XXXX XXXX XXXX has violated my rights XXXX XXXX has violated my rights XXXX XXXX  has violated my rights XXXX has violated my rights XXXX XXXX XXXX has violated my rights XXXX has violated my rights XXXX card has XXXX XXXX XXXX XXXX ser has violated my rights XXXX has violated my rights 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (DE)

As I understand it, under FCRA 605B, wrongly reported accounts should be taken off credit reports. I'm not sure what went wrong, but please check the accounts in the documents. They are inaccurately reported on my credit, causing distress. I need your help.
Consumer complaint received 2022-03-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: FC HoldCo LLC (AZ)

I've purchased a vehicle in XX/XX/XXXX and financed by Flagship Credit. My purchase included service contract for {$990.00} and additional warranty for {$3000.00}, but since my vehicle is a Certified vehicle with excellent warranty, I cancelled both contracts with XXXX XXXX. They sent the check to Flagship and both checks were cashed on XXXX. They credited my account {$990.00}, but but not {$3000.00}. When I called, was told to provide the letter from XXXX, which I provided on XX/XX/XXXX, nothing happened, so I called week later, and story changed, letter is not good enough, they need image of cancelled check, so XXXX sent it to me on XX/XX/XXXX, and I sent the information to Flagship. Than I was told it will take couple of days to verify, but nothing, it's been 2 weeks and no communication of the status, all I hear is I can't talk to accounting and I have to wait as Customer care do not have any information. I've been calling and emailing for almost a month now and I feel they are stalling or not looking into my request. This is no way to do business, if I'm late on my payment, I'm sure they will send notification right away. All I want is my money credited to the account.
Consumer complaint received 2020-06-05
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TX)

Hello and hope all is well. XXXX XXXX  continues to unfamiliar information on the credit reports. Made several attempts to request verification, however ; the company failed to comply to FCRA guidelines.
Consumer complaint received 2023-03-18
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

This complaint is equally directed at XXXX reporting agency, XXXX reporting agency, and XXXX Reporting Agency. 

In accordance with the Fair Credit Reporting Act, this Creditor has violated my rights.

Under 15 USC SEC.602 ( a ) states I have a right to privacy.

15 USC 1681 SEC.604 ) A ) Also states a consumer reporting agency can not furnish an account without my written instruction.

15 USC 1666 ( b ) A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: OneMain Finance Corporation (VA)

I saw these companies have hard inquiries on my report that I did not apply for my identity was used to apply for credit the name of the companies are : one main financial. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX  ( XXXX ) XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, 2022 + XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX  XXXX ( XXXX ) XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, 2022 + XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, 2022 + XXXX XXXX XXXX XXXX XXXX : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX  ( XXXX ) XXXX XXXX XXXX XXXX, XXXX XXXX XXXX : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, OR XXXX
Consumer complaint received 2022-03-07
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Braviant Holdings, LLC (TN)

I started receiving e-mails where someone -- not me -- was applying for a credit loan using my identity. Balance Credit proceeding with underwriting and the process to open a credit loan ( I'm not sure what type exactly ) under my identity. It appears the scammer proceeded all the way and is in the process of submitting back account verification. I did not apply for this credit or loan. I did not consent to anying doing so on my behalf. The business may also conduct business as SunUp Financial , LLC d/b/a BalanceCredit.com ( Balance Credit ). 

I e-mailed the XXXX e-mail address stating that I was the victim of identity theft and did not apply for this loan. I received an automatically generated e-mail stating that " This email serves as confirmation that loan application number XXXX has been cancelled. '' I am unable to receive a personalized response to address my concerns about the identity theft. Likewise, the telephone numbers on the website are not working numbers.
Consumer complaint received 2018-12-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BBVA FINANCIAL CORPORATION (CA)

BBVA Compass blocks the use of my atm card because they believe it has been used fraudulently. They flag my card because I am traveling and I use it in a foreign country. I notify them that there is no fraudulent use, all transactions are mine, and that the card is in my possession. They refuse to unblock the card until I show them at a local branch that I am actually the correct person with the card. How am I to do that when I'm 14 hours by plane from home? They expect me to stop my vacations/travels, fly to one of their branches, prove who I am, and then fly back to continue my vacation?

I do not have any access to my money/accounts when I need it most ( traveling ). They have effectively kept me from my money until I return home and they make it extremely difficult. 

The latest occurrence was on XX/XX/2018 and I still do not have access to my accounts. This is the second time this has occurred while traveling.
Consumer complaint received 2024-02-07
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. (NY)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-24
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (WY)

DATES : CURRENTLY Comenity Bank did the financing for a retailer called XXXX XXXX XXXX. A couple of years ago, we all got letters stating they were no longer doing the financing and all of the accounts would be closed. We could still make payments on line, until last month. 

Supposedly they did some kind of update and now no one can access their on line accounts open or closed. They claim : We apologize you are unable to login at this time. Were working diligently to restore all customer service capabilities. This has been going on for at least 2 months. I was able to successfully make a payment by phone using their automated system last month, but apparently there are many who can not even do that. 

The bottom line is that they screwed this up and seem to be in no rush to fix it.
Consumer complaint received 2020-12-16
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. (AL)

I demand the deletion of the fraudulent account listed below which is resulted from the Reported Incident of Identity Theft. 
FRAUDULENT AND INACCURATE ACCOUNT THAT SHOULD BE DELETED : 1.XX/XX/XXXXXX/XX/XXXX- ( Reported Identity Theft )
Consumer complaint received 2020-06-05
Product: Vehicle loan or lease — Lease
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NV)

The auto loan that is under my name is the result of fraud. All the current and past credit cards are not mine as well. If they look into my Prison records they can see that I was incarcerated from XXXX XXXX to XXXX XX/XX/XXXX I was released. This misinformation with these bureaus need to stop, I will be suing them in court as soon as all my informal methods are exhausted.
Consumer complaint received 2022-03-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX my checking account got charged 30 dollars than another charge on XX/XX/XXXX for XXXX dollars and XXXX dollars total amount taken out from my checking account was XXXX dollars. I got denied a claim for unauthorized charges from chase I had to provide different documents to proof I was scammed I send more documents with chase because they denied the claim and then I called XXXX XXXX I had to make several calls to talk with the merchant as the fist time they told me to call back in a few days I tried to explained to the supervisor from XXXX XXXX of the issue he was very rude then again I called once more told them I never received the 30 dollar service and the minutes are still there to check it's not until I tell them the minutes are still there they tell me I use the service and that they can only refund 30.00 dollars I felt scammed by XXXX XXXX I was unaware of the rates of the service they charged me because it was a different service the agent from XXXX XXXX  who charged me XXXX dollars did not tell me I will get my 5 free minutes first or the rates of the person she chose for me without asking me I also called chase on week XX/XX/XXXX to get my debt card cancelled they told me they can't do that because I'm a new client and to go to the branch so I no longer feel secure or protected by chase as a customer.
Consumer complaint received 2020-06-05
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

Thank you for understanding and reviewing the second complaint. XX/XX/2020 a complaint was sent regarding late payments on student loans. Made several attempts for the company to comply with using the same account number beginning with XXXX and displaying 36 late payments instead of 6 under one account. According the FCRA guidelines, the company furnishing information incorrectly along with depleting my credit and creditworthiness.
Consumer complaint received 2022-03-03
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

Capital One Bank transferred my IRA account to XXXX XXXX XXXX as of XX/XX/22. I received notification through the mail from XXXX XXXX that this had been done. I called Capital One IRA department and spoke with XXXX ID # XXXX on XX/XX/22. He claimed that Capital One is phasing out IRA 's however nothing online confirms this in fact the contrary. He also said Capital One mailed notification that they would be transferring my account. I did not receive this mailing. I am trying to call XXXX XXXX which disconnects you and has unreasonable call wait times. I still can not reach them. I like to know how it is legal to transfer an individuals funds without their consent. If I did not respond to the notification then my funds should have been returned to me. I would like to know what law gives Capital One authorization to do this.
Consumer complaint received 2018-12-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (NC)

I have been called repeatedly for months by TransWorld Systems claiming to be attempting collections on a debt that I owe. However, I do not have any outstanding debt and after having spoken with several of their agents, this fact has been confirmed. Each time they have confirmed that I owe them nothing, they have promised to remove me from their call list, but this has not happened and I continue to receive endless automated calls regarding this matter.
Consumer complaint received 2018-05-21
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: General Motors Financial Company, Inc. (MI)

GM financial has violated x 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

They have also violated v eCFR 12 CFR 1022 by refusing to speak to us after receiving our Third-Party Authorization Form
Consumer complaint received 2022-07-24
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Southwest Credit Systems, L.P. (NJ)

Assignment clause Notarized letter of debt purchase Signed contract from original creditor I want to dispute this account but I still have not received anything I asked for them to prove 100 % verified or validation. This collection agency has not proved this account is mine. They have not sent me any of the proof : *Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally