davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Allied Collection Services, Inc. (Nevada) (GA)

My promissory note is what paid for this consumer transaction, I don't see how I owe you when promissory notes turn into negotiable instruments. Please provide the documents I asked for in my debt validation, cease and desist, and Debt Declaration. Also, please respond to my Affidavit with an Affidavit. Account number : XXXX
Consumer complaint received 2020-02-18
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (FL)

To all parties, My vehicle was repossessed XX/XX/2018.. Right away I called Nissan because I thought it was an error. Once I found out what happened i tried to explain but no one would listen. Yes, i was behind on my payments but in error. Due to my husband filing bankruptcy not me. I assumed my payments were going directly to Nissan but, I found out not during bk can not make auto payments. Right away i asked to reinstate my loan and allow me to pay all payments right away because i had the money and I was immediately turned down. I was told I must pay all XXXX amt owed which I could not do. 

How does this happen??? I work really hard and would just want my vehicle back to continue to pay it off. The Nissan Finance recovery keeps telling me Fl is not a reinstatement state which I found out is completely wrong.Its just Nissan ... Please Help..
Consumer complaint received 2022-04-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (IN)

I am trying to get an explanation as to why in XXXX of 2021 a {$590.00} escrow payment was made out of my account. Who was this payment made to? I have always paid my own homeowner insurance and taxes. Along with this payment came a charge of {$49.00} for escrow. I have also sent proof of Insurance to Newrez no less than 3 times to show absolutely no gaps in my coverage. 

I have called your service department, talked with escrow and insurance departments but have gotten no results to my request to have this process stopped and reimburse my money. 

I have attached the 2 statements showing when this occurred. Your attention to this matter is appreciated and I expect a response. I emailed back in XXXX to Newrez which I received no response other than they received the email and would be getting back to me. Well as of today I am still waiting.
Consumer complaint received 2021-10-13
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: Experian Information Solutions Inc. (FL)

XXXX ( I didn't authorize these inquires and i am not benefiting from these inquires XXXX, XXXX, Experian ) Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX ( I didn't authorize these inquires and i am not benefiting from these inquires XXXX, XXXX, Experian ) 3.XXXX Inquiry from XX/XX/XXXX ( I didn't authorize these inquires and i am not benefiting from these inquires XXXX, XXXX, Experian ) 4XXXX Inquiry XXXX XX/XX/XXXX ( I didn't authorize these inquires and i am not benefiting from these inquires XXXX, XXXX, Experian ) 5XXXX XXXX XXXX Inquiry XXXX XX/XX/XXXX ( I didn't authorize these inquires and i am not benefiting from these inquires XXXX, XXXX, Experian ) XXXX XXXX XXXX  Inquiry XXXX XX/XX/XXXX ( I didn't authorize these inquires and i am not benefiting from these inquires XXXX, XXXX, Experian ) 7.XXXX XXXX XXXX Inquiry from XX/XX/XXXX ( I didn't authorize these inquires and i am not benefiting from these inquires XXXX, XXXX, Experian ) 8XXXX XXXX Inquiry from XX/XX/XXXX XXXX I didn't authorize these inquires and i am not benefiting from these inquires XXXX, XXXX, Experian ) 9.XXXX XXXX from XX/XX/XXXX ( I didn't authorize these inquires and i am not benefiting from these inquires XXXX, XXXX, Experian ) XXXX XXXX  XXXX Inquiry from XX/XX/XXXX ( I didn't authorize these inquires and i am not benefiting from these inquires XXXX, XXXX, Experian )
Consumer complaint received 2021-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC (NJ)

On XX/XX/XXXX of XXXX  I initiated the services of Lexington Law Firm, Credit Repair Company, to challenge a 'late payment ' blemish on my credit report. Lexington Law purposefully implements stall tactics in order to charge the client over long periods of time. In the case details, the case sometimes stalls for months at a time in a status they call 'analyzing response '. This is their verbiage and tactic for stalling the case in order to lapse time in order to apply more charges to the client. I did ask for a reembursement of the money to no avail.
Consumer complaint received 2020-02-18
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. (FL)

I have been a victim of identity theft and my information has been compromised and used without my consent to get loans and credit and all sorts of things which are hurting my credit and impacting it in a major way. I need professional help with this issue to get it back to normal. The accounts which are fraud on my credit are XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX.
Consumer complaint received 2024-03-20
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY (CA)

I was charged for a purchase from XXXX that I did not make. 

After receiving many email solicitations fom XXXX, sometimes several in one day, I contacted them and asked them to stop. After that, I received an invoice from them by email. I did not subscribe to their service. I have never used their service.. After their charge appeared on my card bill, I contacted American Express and told them this. They said they would look into it. About a week ago, they sent me a letter saying the dispute had been resolved in my favor. But yesterday I received a letter saying thy were making the charge!
Consumer complaint received 2021-01-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: NAVY FEDERAL CREDIT UNION (CA)

I cashed a couple of third party checks via e-deposit at NFCU and one of the checks cleared however, the other two were returned as being duplicate checks when they were actually not at all. I was given substitute yellow checks in the mail but when I called NFCU to try and get compensated my money back they were no help and said there was nothing they could do. My account was debited for the amounts but I never received the money and now one account is closed and was overdrawn {$1500.00}.
Consumer complaint received 2019-06-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (FL)

I filed a claim ( claim ID : XXXX ) for a purchase at XXXX that was cancelled and supposed to be refunded back to the same method of payment ( which was my card ending in XXXX ). 

Chase initially gave me the money back, but later reversed the claim because XXXX sent them a proof of purchase. 

I did not dispute the proof of purchase, I disputed that the refund was never put back on my card. XXXX charged me for a service XXXX XXXX XXXX XXXX ) that was cancelled because of not having a valid ID. 

I paid {$2500.00} plus a {$16.00} service fee to XXXX, and received no service.
Consumer complaint received 2019-06-06
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: Experian Information Solutions Inc. (GA)

I am so disappointed how XXXX and Experian did their investigation. They keep on reporting the account as a repossession but they wont give me an explanation as to why they wont fix it.. This error has affected my credit score. CFPB please step up and fix the account asap XXXX  XXXX XXXX XXXX
Consumer complaint received 2019-06-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (FL)

I filed a claim ( claim ID : XXXX ) for a purchase at XXXX that was cancelled and supposed to be refunded back to the same method of payment ( which was my card ending in XXXX ). 

Chase initially gave me the money back, but later reversed the claim because XXXX sent them a proof of purchase. 

I did not dispute the proof of purchase, I disputed that the refund was never put back on my card. XXXX charged me for a service ( XXXX XXXX XXXX ) that was cancelled because of not having a valid ID. 

I paid {$1000.00} plus a {$8.00} service fee to XXXX, and received no service.
Consumer complaint received 2024-03-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (FL)

i purchased a XXXX laptop from XXXX using my cash app. I was charged twice for the XXXX purchase. the first charge i paid myself.. the second time i was charged for the same purchase my cash app WAS LOCKED and money should not have been able to be moved out of the account. I have digital copies i can send of these transactions and denial of dispute.
Consumer complaint received 2019-06-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (FL)

My roommate was stealing my Chase debit card and drivers license ; pretending to be me and withdrawing money from my account. He admitted that he figured out my pin because it happens to be the same as my phone password. 

He also admitted that he would sneak into my room while I was sleeping and put the card back before I woke up. 

He apologized but says he spent the money. I tried to dispute this with Chase but they claim that since my debit card PIN number was used that they cant prove it wasnt me. 

Although they advertise that I have 100 % Fraud Protection they refuse to give me my money back. 

ATM Withdrawl - XX/XX/XXXX - {$200.00} ATM Withdrawl - XX/XX/XXXX - {$200.00} ATM Withdrawl - XX/XX/XXXX - {$280.00} ATM Withdrawl - XX/XX/XXXX - {$240.00} ATM Withdrawl - XX/XX/XXXX - {$2500.00} ATM Withdrawl - XX/XX/XXXX - {$980.00}
Consumer complaint received 2019-06-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (FL)

My roommate was stealing my Chase debit card and drivers license ; pretending to be me and withdrawing money from my account. He admitted that he figured out my pin because it happens to be the same as my phone password. 

He also admitted that he would sneak into my room while I was sleeping and put the card back before I woke up. 

He apologized but says he spent the money. I tried to dispute this with Chase but they claim that since my debit card PIN number was used that they cant prove it wasnt me. 

Although they advertise that I have 100 % Fraud Protection they refuse to give me my money back. 


ATM Withdrawl - XX/XX/XXXX - {$1600.00} ATM Withdrawl - XX/XX/XXXX - {$1200.00}
Consumer complaint received 2019-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

I have an auto loan with TOYOTA MOTOR CREDIT. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called TOYOTA MOTOR CREDIT and they said their system automatically put me on paperless billing, which I did not request. I was awaiting letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and TOYOTA MOTOR CREDIT with no successful resolution. XXXX, XXXX, and XXXX only reporting me 30 days late. There was an error on their part. I was never 30 days late.
Consumer complaint received 2024-03-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/2024, my wife 's tax return refund was deposited into my Chase checking account in the amount of {$11000.00}. My wife and I did some shopping that day as normal and later that night I received a email from Chase for suspicious activity. At that time my account had a total of {$11000.00} so we called the bank to see what was the reason for the email and I also tried to log into my online banking but it said my account was locked. When we contacted the bank the bank stated that they can not give us any information that they will be doing a 10 day investigation all they know the account was closed by the back office. The representative stated any money in closed account will be sent out in cashiers check since the amount was over {$10000.00}. The representative also stated it takes 10 days to officially close the account at this time all money cards are restricted and I was restricted from using online banking. On the tenth business day which was XXXX XXXX my wife and I contacted Chase again, we spoke with a representative to see if the check had been mailed out. The representative this time stated that a check was sent out for XXXX cent from one account but the {$11000.00} that was deposited into my second account will not be sent out in a check it was returned to the IRS XXXX XXXX and they closed the account because the name on the check direct deposited, didn't match the account holders name, I explained to the representative it is my wife 's refund from her tax return. Representative let me know they aren't suppose to really give me information but contact IRS. The representative also let me know the {$540.00} I spent that day XXXX XXXX XXXX will be taking a loss and sending full refund back to IRS. I spoke with IRS two weeks in a row the funds from Chase still weren't returned. On XX/XX/XXXX I reached out to the IRS to see if the tax refund check was sent back from Chase, the IRS let me know that the check still hadn't been returned to the IRS to contact the financial institution. I contacted Chase on XXXX XXXX, I spoke with a new representative and she let me know the representative I spoke with on XX/XX/XXXX, gave me misinformed information and they had no notations stating that someone told me the tax return was sent back to IRS, the representative let me know that the the fund XXXX was suspended and will not be returned from Chase, that the IRS would have to request that funds be recalled from senders bank.
Consumer complaint received 2019-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have a public record & Child Support entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX, Transunion and XXXX   verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.
Consumer complaint received 2019-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IL)

I have a public record & Child Support entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my XXXX dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how Equifax, XXXX and XXXX verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call Equifax back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.
Consumer complaint received 2018-03-27
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: BANK OF AMERICA, NATIONAL ASSOCIATION (AL)

The credit bureaus is refusing to remove inquiries that were obtained without my permission, I have sent them numerous requests asking them to remove them and they have not so im filing a compliant against them for unfair credit reporting Credit inquiries XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX Bank of America XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX OF XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX
Consumer complaint received 2021-11-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I've reviewed a copy of my credit report and I see there is a collection item listed that I'm not aware of. I attempted to contact the collection company on XX/XX/2021, and request verification and I received nothing back. I understand that this is a violation of 15 U.S. Code 1681I ( A ) ( 1.A ) and need to have account deleted.
Consumer complaint received 2021-06-24
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I been sending letters to this company that is reporting errors in my credit report and they are refusing to investigate, I have not receive any letters from this company to know if they are investigating or not.