davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (NY)

This is in reference to an old Chase account that was closed in XX/XX/XXXX due to fraudulent activity on the account. Till date, I have not received refund of my account balance after account closure. The balance was closed to around {$6000.00} and some transactions were under dispute. 

I've exhausted all avenues to get this resolved. till date I have not heard anyting from Chase regarding the resolution of my account dispute. The balance on my account close to {$6000.00} just vanished and account closed. 

Account # XXXX Opened : XX/XX/XXXX Closed : XX/XX/XXXX Attachment : letter to chase
Consumer complaint received 2022-07-09
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: Neon Newco Corporation (GA)

Received a pre-paid credit card in the mail for which I did not apply for. Attempted to contact the company netspend.com via phone and was unable to reach a person. The organization phone service is automated and requires sensitive financial information including activating the card to proceed. Then emailed XXXX and received a phone message indicating communication must be scheduled and by phone only. I have never used a prepaid credit card in my life and my credit reports, etc. have been locked for an extended period of time. I have demanded written email communication only.. So far nothing. 

I then tested the organizations online application form to determine how the process for pre-paid cards works and determined that the online application form in non-functional. 

Therefore, it appears that the NetSpend organization generated the pre-paid card WITHOUT my authorization- I believe this to be fraud as defined under the " Truth in Lending Act '' ( 12 C.F.R. 226.12 ). I have all documentation mentioned.
Consumer complaint received 2019-05-03
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Knight Adjustment Bureau (UT)

KNIGHT ADJUSTMENT BUREAU I asked to politely speak to the supervisor myself. When I was transferred to XXXX one of the supervisors from Knight Adjustment Bureau ... I explained to her what my circumstances have been for the past few years & now I am willing & fully capable of settling this debt in full because I genuinely want to change my current & past situations into a positive financial future for myself & family. I asked her politely to consider requesting to remove the debt from my credit report, which would remain on my report for another five years. Whether I paid in full or not. & XXXX the supervisor said in a sharp, direct voice ... '' I will not request to delete or remove this from your credit report because it needs to stay there to show the world what you have done & what you have failed to pay over the last few years. '' I then asked her how she wouldn't be willing to help me when I'm taking full accountability for my debt & are trying to he best of my abilities to better my future. Still, she was extremely adamant on keeping this minor debt of {$130.00}, even if it's states paid in full, on my credit report for the next five years. Then she belittled me by saying, " You could have sent us {$5.00} a month for the past two & half years if you were so serious about taking care of your debt. '' I guess she has no compassion for humanity in any shape or form. Here 's to America 's helping to make other Americans successful in this country. I wished her well & told her that I hope XXXX will bless her. People like this are the horror of this entire world. XXXX the supervisor for Knights Adjustment Bureau ... I hope you're able to sleep peacefully at night with yourself.
Consumer complaint received 2018-08-31
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: WELLS FARGO & COMPANY (NJ)

I am writing this complaint against Wells Fargo because I feel Wells Fargo has not done enough to track down the borrower. I am an easy target for them because I have answered phone calls on numerous occasions. I cosigned 8 loans for a former dear friend. I currently have not had any contact with her as she has cut herself off from friends and family. She is currently only paying on one of the 8 loans because her brother also cosigned. The other 7 have not been receiving repayments since she has finished her schooling at the University XXXX XXXX. She has not responded to any of Wells Fargo phone calls or emails. So Wells has constantly stressed me for payment. I feel that they have not done enough to locate her either through a Wells lawyer or private investigator. Why isnt Wells Fargo garnishing her wages? Wells Fargo is not being diligent locating her, or researching her employment for repayment. She is the borrower the on that went to college. Instead I have become their means of communication. I have my own student loans as well as car, motorcycle, mortgage monthly payments and can not afford to make her payments. I am my XXXX year old mothers caregiver who suffers from XXXX and XXXX. I am under XXXX daily from caring for her and the harassment from Wells Fargo adds to it. I am asking to have Wells Fargo remove me from the loans and seek retribution from the borrower. I have uploaded the most recent letters from Wells Fargo. 
The amounts for each loan is as follows : Loan 1 : XXXX Loan 2 : XXXX Loan 3 : XXXX Loan 4 : XXXX Loan 5 : XXXX Loan 6 : XXXX
Consumer complaint received 2018-08-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO. (AZ)

XXXX keeps sending me shoes I did not order. I return them and they do not always credit my Visa account. Also they claim to have not received some returns using their own preprinted labels. Their shoes pop up on my XXXX app.I have contacted Visa about the various charges and am submitting what proof I have.
Consumer complaint received 2018-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Credit Karma (FL)

Every time I try to register on CreditKarma I am given the error message that my personal records don't match the records of the Credit Bureaus. I tried to register on Annual Credit Report. com and I'm having the same issue. Obviously my SSN has never changed. I keep trying my past addresses and I'm having similar issues. I pay my own auto insurance, phone bill, subscriptions to Satellite Radio/NetFlix/streaming services but I've never taken out a loan or credit card. I paid cash for my college tuition and cars. Could the limited credit history be my issue? I find it hard to believe I don't have any credit history at all? Thanks
Consumer complaint received 2018-08-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc. (TX)

Dear Sir or Madam : I graduated from school in XX/XX/XXXX and shortly thereafter I consolidated my loans and began paying them. For the last 14 years I have never missed a payment and I have never been late. Since I have lived overseas several times over the last 14 years the address on file for my loan information has been my fathers house. The only communication I received from my loan company was a XXXX once a year. 

On XX/XX/XXXX I received three emails from my sister who takes care of my father in Connecticut. Each email had an attachment. The first attachment was a letter dated XX/XX/XXXX from my loan servicer XXXX  with a notice stating that my payment on XX/XX/XXXX was being returned because there was a new servicer. The second attachment was a letter dated XX/XX/XXXX from a company called Nelnet stating that a " borrower benefit has been removed from your account ''. There was no mention of what the benefit was, or why it was removed. The third attachment was a letter dated XX/XX/XXXX from Nelnet demanding that I pay double my normal student loan amount. 

The following day I called Nelnet to inquire about the mysterious borrower benefit that was being removed and I was told that the " benefit '' removed resulted in a 1 % increase in my interest rate that was equal to more than {$10000.00} over the life of the loan. The reason that it was removed was because my payment was late. When I told them that I had sent all my payments and I have records showing that the XXXX payment was made on time they said that it did not matter. It was my fault because I should have known that the servicer had changed. I told them that I never received any notice of the change and they said that it was still my fault. When I asked what can be done to resolve this they said that they would take it under advisement but there were no guarantees that anything would be done. I immediately made the missed payment over the phone. 

Predictably, today I was notified that the " benefit '' would not be reinstated and that I was being penalized {$10000.00} because of the missed payment. 

I believe that this was a calculated move by Nelnet to increase my interest rate in an attempt to force higher payments. I hope that you will help resolve this so other students are not victimized in the same way. 

Thank you for your assistance in this matter. 

Yours truly, XXXX XXXX
Consumer complaint received 2018-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Direct dispute sent to company, they did not respond : Account Number XXXX : Disputing the reporting of this collection account showing past due amount of {$630.00} and late payments of {$630.00} from XXXX to XX/XX/XXXX. Alleged date of XXXX delinquency ( XX/XX/XXXX ) predates the reported account opening date ( XX/XX/XXXX ). Terms of account is listed as 1 month, and account is reporting as open. 

Basis for the dispute : I have never made payment arrangements of $ XXXX monthly with Portfolio Recovery Associates for payment of XXXX XXXX acct # XXXX. Account opening date can not be later than original delinquency date, as this is impossible. The account is a collection account, and can not be reported as an open account with past due amounts. I have never had a contract with Portfolio Recovery Associates to pay any amount. 

Account Number XXXX : Disputing the reporting of this collection account showing past due amount of {$1000.00} and late payments of {$1000.00} from XX/XX/XXXX to XX/XX/XXXX. Alleged date of XXXX delinquency ( XX/XX/XXXX ) predates the reported account opening date ( XXXX ). Terms of account is listed as 1 month, and account is reporting as open. 

Basis for the dispute : I have never made payment arrangements of {$1000.00} monthly with Portfolio Recovery Associates for payment of XXXX XXXX acct # XXXX. Account opening date can not be later than original delinquency date, as this is impossible. The account is a collection account, and can not be reported as an open account with past due amounts. I have never had a contract with Portfolio Recovery Associates to pay any amount.
Consumer complaint received 2022-07-25
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)

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX and TransUnion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/202XXXX XXXX  XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020
Consumer complaint received 2018-08-31
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Finance LP (TN)

My mortgage servicer recently changed from XXXX XXXX to Selene Finance. I have requested a mortgage modification to bring my mortgage current because when my mortgage servicer changed from XXXX to Selene Finance, XXXX didn't forward my mortgage payments that were debited from my account to Selene Finance. This has caused me to become delinquent with my mortgage.Selene has been difficult to work with. I don't want to loose my home.
Consumer complaint received 2019-05-03
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: EQUIFAX, INC. (IN)

On my Equifax file # XXXX, it shows the following inaccuracies : That I've resided at XXXX XXXX XXXX XXXX, XXXX XXXX, IN. XXXX, also at XXXX XXXX XXXX, XXXX, IN. XXXX and out of state at XXXX XXXX XXXX XXXX, XXXX, FL XXXX. My employers should should as XXXX XXXX, XXXX, XXXX XXXX, XXXX 's XXXX & XXXX. My current phone number is not XXXX or XXXX. My phone numbers are ( XXXX ) XXXX and ( XXXX ) XXXX and all my security questions to identify myself belong to someone else. All 10 hard inquiries should be removed for I haven't applied for credit in extensive years now. I do not have collections w/XXXX or with a XXXX XXXX XXXX. Many accounts on my credit file were committed through identity fraud and I want them removed off my record. Companies such as XXXX XXXX XXXX XXXX, high balance {$2900.00}, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX opened in XX/XX/2016, XXXX XXXX XXXX, opened in XX/XX/2016, XXXX XXXX XXXX  - XXXX Credit Card, opened in XX/XX/16, XXXX XXXX opened in XX/XX/2016, all four XXXX XXXX Accounts, XXXX XXXX and XXXX, as well as XXXX XXXX XXXX, opened in XX/XX/2016.
Consumer complaint received 2018-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NY)

on XX/XX/XXXX i was a victim of a data breach involving XXXX. then agian in XX/XX/XXXX with XXXX XXXX   and equifax..letters, police reports and ftc idenity theft affidavits were submitted to all three major credit reporting agency.on XX/XX/XXXX. i recieved an update from XXXX showing the removable ( deletion ) of the fraudulent accounts, report number XXXX-XXXX-XXXX from XXXX. in XX/XX/XXXX equifax and XXXX placed the accounts back on my report dropping my credit score from XXXX to XXXX without authorization.this is a clear violation under the laws of the frca section 605 ... blocked information accompanied by a police report can not be re posted.agian the CRA failed to send me any verification from the furnishers.this is a violation according to title 15 u.s.c section 1692 ( b ) of the FDPCA dealing with communication with third parties, the only way a collection agency can communicate about ANY DEBT, 1.they must have a post judgment from a court of competent jurisdiction, or 2. prior consent from the consumer giving express consent rto a court of competent jurisdiction.this is a violation of the New York General business law sect.349- DECEPTIVE TRADE ACTS, section, 380s- identity theft, title 18 u.s.c 1028.also Title 15 U.S.C. 1632- Form of disclosure ( 2 ) Creditor to provide contracts to the bureau, as defined under title 18 U.S.C. section 1030- Access. the reporting agency did not follow laws under title 15 U.S.c. 1681s-2 ( a ) -Duty of Furnishers of information to provide Accurate Information.
Consumer complaint received 2018-09-01
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. (PA)

XXXX XXXX continues to falsely report my credit to the companies, which is resulting in inaccurate reporting. I have reported this issue with Equifx and XXXX, yet the false reporting continues. Every customer service representative that I have spoken to has confirmed that I have never been late on my auto draft payment. The accused late payment is XX/XX/XXXX. This account was reported up to date until XX/XX/XXXX or XX/XX/XXXX ( depending on the company being reported to ). This error has taken my credit score down significantly and XXXX refuses to fix their error, as do the credit bureaus. I have sent proof of payment in the form of a PDF showing the payment was withdrawn from my banking account on time and that XXXX posted it to their site on time, too. None of this has seemed to matter. I will attach this evidence here once again.
Consumer complaint received 2019-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I was a Bank of America customer, one day my credit card would not work and I went online and couldnt even log into my credit card account. Confused me called Bank of America and they told me someone stole my credit card info and they needed to close the account and couldnt go over details. Ive PAID EVERYTHING TO BANK OF AMERICA HAVE BEEN BACK AND FORTH WITH THEM and now Im seeing a delinquent account with a balance when I owe this bank/Creditor {$0.00}. I can not stand this bank for how unfairly they have treated me. I thought everything was solved I owe nothing to them and they told me I was all good to go on the phone now I have a balance and it says my balance went up in XXXX when Ive been done with them since late XXXX early XXXX??? FRAUD
Consumer complaint received 2018-09-01
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NC)

Navient has crippled my future by giving me a loan I should have never been able to take out. 
The loan in question is an XXXX in the amount of {$26000.00}. I took this loan out while still in school with little to no income. No co-signer. I fail to see what they determined then I would be able to pay that with? 
I have currently {$110000.00} in student loan debt from XXXX SCHOOL. I graduated in XXXX during one of the worst recessions in history. They have set me on a path that has had devastating consequences for my financial future and my confidence to ever get ahead.
Consumer complaint received 2018-09-01
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: U.S. BANCORP (IL)

On XX/XX/XXXX I received a phone call and a voicemail was left, saying I owed a debt from U.S. BANK in the amount of {$1800.00} ACCT # XXXX his name was XXXX XXXX, I called him back and told him I never had any debt with U.S. BANK and requested they send something in writing, he instead asked for my email address and sent me a DocuSign document wanting me to fill out and acknowledge the debt. They told me if I didn't do this, they would contact my employer to garnish wages I guess? He's saying the amount owed was from XX/XX/XXXX. I called U.S. BANK to even double check and they even said they had nothing on file with my name on it. He had me listed living in XXXX, XXXX at that time and I am pretty sure I was living in XXXX. I believe this to be a scam and want to report this. The name of the company is XXXX XXXX XXXX they first called me from this number ( XXXX ) XXXX ( XXXX ) then they called again today XX/XX/XXXX from this number ( XXXX ) XXXX ( XXXX  ) both times reciting I call back this XXXX number ( XXXX ) XXXX. I did provide him with my email address so I could respond to the email to have a paper trail and told them that if they want me to pay anything, they need to send me something certified mail with my debt protection rights and the actual information about the debt. I hope this helps. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-03-24
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. (MD)

There is information that does not belong to me and I need this information fixed to prevent further identity theft. I have been a victim of identity theft, thus note the IP PIN I have to use not just to file my taxes.
Consumer complaint received 2018-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (NJ)

Early this year, I requested copies of my credit reports using the form on the CFPB 's website. I have not received copies of my reports. I believe I complained previously this year about this, but still have not gotten my reports. 

Recently, I was locked out of a credit card with XXXX XXXX XXXX which had some false so-called " security '' questions it asked me. Because I did not provide the false answer that XXXX had purchased from one of the credit agencies, I could not get back into my account. 

This is a recurring problem with more than one bank. It has happened before with XXXX XXXX as well. The credit bureaus sell banks sewage that then is used to deny me advertised services with one or more credit card. 

Despite this, I have not received my free copies of my credit report, despite requesting them, in writing more than once already this year.
Consumer complaint received 2018-09-01
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc. (IL)

Received a letter in the mail informing that I opened a XXXX XXXX/ XXXX XXXX credit card account and after the fact I noticed a hard credit pull in my credit report from XXXX XXXX XXXX It appears this account was fraudulently opened with my personal information and since then I have tried numerous instances ( over 15 phone calls ) to  reach the fraud department of XXXX XXXX through the customer service phone number on the website, but the automated service does not allow me to speak with a person to flag it as a fraudulent activity. I would like this account to be closed and the credit inquiry removed from my credit reports.
Consumer complaint received 2020-07-29
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. (AR)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. CHAPTER XXXX BANKRUPCY DISMISSED XXXX {$0.00}