davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-08
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. (NY)

Incorrect information on a hard inquiry dated on XX/XX/2020 by XXXX. This was never authorized by me. XXXX had removed this back in XXXX with XXXX  and XXXX  for some reason experian still has it on there report. I have spoken to discover in XX/XX/2020 and now end of XX/XX/2020 and they said would be removed from experian and they will be aware. as of XX/XX/2020 it still shows up which i will show you the screen shot.
Consumer complaint received 2019-03-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (AZ)

This is a complaint against JPMorgan Chase Bank XXXX. XXXX XXXX XXXX DE XXXX regarding a card services annual renewal fee of {$85.00} that was not refunded to me when I cancelled the card XX/XX/XXXX. When I called customer service to cancel the card because of the recently assessed annual fee in XX/XX/XXXX, I was not told on this call that there was any issue with this fee being refunded. I was fully expecting to receive a check in the mail based on my phone call to Chase. The last four digits of my card are XXXX. 

Each month I pay my balance in full online. I do this fairly quickly and often before the due date. I did not notice until the after that payment that I had inadvertently paid the annual fee. I no longer have any credit cards that charge these fees and had signed on with this credit card because they offered one year without fees. 

When I did not receive a check in the mail refunding the fee Id inadvertently paid when I paid the balance due in XX/XX/XXXX I was told that I had not cancelled the card within the 60-day time frame. I asked that this matter be reviewed and was told Id receive a letter with the decision within 10 days. I did not receive a letter and called again XX/XX/XXXX. This time I was told I had to cancel within 45 days in order to be refunded the annual fee. I asked customer service if they were not going to refund the {$85.00} fee, to issue me a card so I could benefit from using a card that Chase had assessed me {$85.00} to use for renewal. I was told this was not possible. I found this unacceptable and called one more time to report that I was not told when I cancelled the card that I would not be refunded the fee. No other options were presented to me other than the {$85.00} would not be refunded for a card I cancelled and was not going to use for the one-year fee. 

What I find challenging about this matter is that I get offers from Chase frequently to sign up for new cards and/or to open a checking account with them with a $ 300-500 reward fee. Chase spends money marketing to obtain new customers but doesnt honor loyal customers with excellent credit ratings and on-time payments. 

I am filing this complaint with the CFBB to describe these unacceptable violations to consumers with Chase credit cards and to seek a refund of the {$85.00} for the yearly fee I inadvertently paid for a card I am not using. I want other consumers to be forewarned of these aggressive fee collections and the non-responsiveness to my first call and follow-up calls.
Consumer complaint received 2021-09-20
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Santander Consumer USA Holdings Inc. (MD)

Greetings I am initiating this complaint as I have been in contact with XXXX XXXX on two occasions prior to them committing fraud and stealing my car. On XX/XX/XXXX XXXX I mailed a letter under certified mail number XXXX requesting verification of a debt in which I asked for the original creditors name and address and the definition for a loan and borrower under the FDCPA ( this letter was signed and delivered on XX/XX/XXXX and I never received a response to this letter and they continued to bill for it which is a violation of XXXX XXXX XXXX g ( b ). Then on XX/XX/XXXX under certified mail number ( XXXX ) XXXX XXXX and XXXX I sent a cease-and-desist letter for them to close the account and give all money back that has been paid to them as I was misled that I owed more than the finance charge and that was paid before I left the dealership with my credit card also known as my social security card pursuant to 15 USC 1602 ( l ). Chrysler capital never gave a response to any of my letters then came and took possession of my property by giving out my location information to a third party without my direct consent which is a violation pursuant to 15 USC 1692c ( b ). Also, according to 15 USC 1692 i ( a ) ( 1 ) they are only allowed to enforce interest in real property by taking it to a judicial district. On the call when a rep on XX/XX/XXXX I was advised that they did not give my information out but upon speaking to the rep at XXXX who is third party of Chrysler, was told that Chrysler capital gave them my location information to come and take my property.
Consumer complaint received 2020-04-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Paypal Holdings, Inc (LA)

On XX/XX/2020 I received a letter from PayPal stating they were planning to send me a PayPal debit MasterCard soon. It explained that if I did not want the card, I would have to log in and cancel it by XX/XX/2020. I do not believe it is right that I have to inform them NOT to get a debit card. You did not have an option for debit cards so I filed this complaint as a credit card problem. I feel that PayPal 's unsolicited delivery of a debit card should NOT be allowed.
Consumer complaint received 2019-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I checked my credit reports  and noticed many different variations of my name and address. I have tried to reach out to XXXX, Equifax and XXXX by phone to dispute these variations but have not been successful. 
The correct first and last name : XXXX XXXX. 
The correct Street Address is XXXX XXXX XXXX XXXX, XXXX, FL XXXX. 
The correct phone number that should be listed is ( XXXX ) XXXX. 
The correct social security number should be XXXX. 
The correct Date of Birth should be XXXX.
Consumer complaint received 2017-07-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (DC)

I have a direct debit scheduled for the XXXX of every month for 3 student loans. The debit is more than the minimum payment which I allocate the excess amount to each loan. On XX/XX/XXXX, I reallocated the excess payment to pay more towards the loan with the highest interest. I called the servicer on XX/XX/XXXX to ensure that my regularly scheduled direct debit would take place on XX/XX/XXXX. The representative assured me that the appropriate amount would be taken out. I informed him that when I logged online that it showed a lower amount than I normally pay and the direct debit amount did not necessarily look like it was scheduled. He assured me that there were two payment schedules and that it would total the full amount I typically pay. The following week, on XX/XX/XXXX, I noticed nothing took place and my account became delinquent. So I called on that day and was told that they would reschedule my payment and no action on my part was to be taken. On XX/XX/XXXX, I noticed nothing took place again. So I called and was told that it should be fixed within the next couple of business days and a note was made on my account. On XX/XX/XXXX, I noticed my account was still delinquent, no action or debit had taken place with my bank, and called again. Finally, I was told that the task scheduled would take an overpayment I made from XX/XX/XXXX and allocate it as my XX/XX/XXXX payment to remove the delinquent status. This task takes up to 10 business days. This representative communicated this information to me and was new information after speaking to XXXX other representatives over an almost 2 week period. While this does not affect my credit score, I do believe the servicer is responsible for having representatives who are capable of explaining to consumers the appropriate information to prevent situations where someone is delinquent on a loan. Had I known what the 4th representative told me on XX/XX/XXXX, I would have scheduled a payment to prevent a delinquent status on my loans.
Consumer complaint received 2023-01-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (PA)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.
Consumer complaint received 2020-04-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (IL)

I applied and got approved for a new Citi credit card. I never received the physical card in the mail and therefore did not have my full credit card number. Without an entire credit card number, I am unable to set up an online profile to have access to my account information and make payments online. 

A few days ago, I received an email from Citi stating that I have an amount due. I try calling Citi multiple times but was unsuccessful. A voice message indicates that they are experiencing high call volumes, to try again later, and then disconnect. I call at different times of the day and night with no success. 

I am concerned that Citi will keep this going until the amount is past-due and that charge me higher interest rates, unfair late fees, and report me to the credit agencies, thus damage my credit. 

Thank you.
Consumer complaint received 2021-08-16
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: Velocity Portfolio Group (OK)

Now in the FCRA623 ( a ) prohibits a company from furnishing inaccurate information to a CRA. CKS XXXX is reporting inaccurate information on my credit report. Please see attached the information and proof of inaccurate reporting, Please DELETE this information on my credit report. They are currently reporting twice on my XXXX  credit report which is a FCRA violation ( please see attached proof ), the have reinserted this account back on my XXXX  credit report without written notice, which is a FCRA violation. On my credit report, the account number changed from XXXX and XXXX, and XXXX now to account number XXXX in a matter of a couple of weeks. I didnt get a written notifications that this was changed or anything. They have also changed the portfolio status from one company, XXXX  XXXX XXXX XXXX  to now XXXX XXXX XXXX XXXX. Also see highlighted that the address had changed. Please attach the proof of inaccuracy when it comes to this account on my credit report. The information that they are reporting to the credit bureau is not accurate and i have attache proof that they are violating the FCRA. A proper investigation is not being done to correct this reporting. The last date active is all different, the date opened is different, and on XXXX is showing its late 120 days with a balance in collection. The reporting again is inaccurate. 
XXXX  and XXXX was unable to properly verify that the reporting information on this account is correct. I know all three major bureaus falls under the FCRA guidelines. Please tell me how XXXX is different?
Consumer complaint received 2017-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (TN)

Since the Equifax breach, their website for setting up a credit freeze has been completely unavailable, no matter what time of day or night. I managed to put a freeze in on XXXX and on XXXX.
Consumer complaint received 2019-03-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY (OH)

I opened a credit card with Well 's Fargo Visa card in XX/XX/2019 and never used it. On or about XXXX I noticed a transaction for {$2700.00} from my mobile app for a balance transfer. I immediately contacted Well 's Fargo and they put me in contact with the Fraud department and the Fraud department said that they would take care of the matter. 

On XX/XX/2019 I received a letter from Well 's Fargo Claim Assistance Center Credit Card Fraud Claim stating that I was responsible for an unauthorized transaction for {$2700.00} for a balance transfer.

I never did a balance transfer with Well 's Fargo, as this is fraud. I have contacted Well 's Fargo and I keep getting the same response that someone will take care of the issue and never do.
Consumer complaint received 2020-10-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (PA)

XXXX Timely escrow payments and treatment of escrow account balances. 

My loan was paid in full on XX/XX/XXXX as the result of a refinance. I called and requested my remaining escrow balance be mailed to me shortly after my pay off date. I was told by Roundpoint that according to Reg Z, they had up to 20 days to send it to me and would not be able to fulfill my request for it to be mailed that day. I was told that the request had to be sent to XXXX XXXX XXXX to be fulfilled. I submit this complaint today, XX/XX/XXXX and I have yet to receive my refund check. I called Roundpoint on XX/XX/XXXX and confirmed with the Roundpoint representative that the check was mailed on XX/XX/XXXX and I still have not received my check. Roundpoints system of record indicates the escrow was dispersed on XX/XX/XXXX, but according to the Roundpoint representative I spoke with the check was not mailed until XX/XX/XXXX, which is 22 days. 

Paid in Full on XX/XX/XXXX. 
Today is XX/XX/XXXX. 

28 day difference not including holidays and weekends. This time frame is not reasonable according to XXXX.
Consumer complaint received 2020-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LoanCare, LLC (FL)

On XX/XX/20 I received an notification from my credit bureaus that my credit score had dropped 25 points due to my mortgage loan account being reported as closed. I had just recently refinanced my mortgage loan with Loan Care LLC and after receiving funds from the new loan service provider they without notification closed the account, thus causing my credit score to decrease. I contacted the company on XX/XX/20 to rectify the problem and was told they could not fixed the issue because all loans that are paid in full are reported as an closed account.
Consumer complaint received 2023-01-30
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: Nelnet, Inc. (NC)

Illegal Reporting of late payments to my consumer credit reports without my permission. Violation of code 15 US 1666B- Billing erroXXXX XXXX XXXX XXXX XXXX XXXX, nelnet, XXXX XXXX XXXX
Consumer complaint received 2019-03-05
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. (FL)

Due to identity theft you do not have my full information. My full name is XXXX XXXX XXXX XXXX please add XXXX to the end of my last name. All of my identity theft fraud theft ect was with out this. Please correct this on my credit reports and letters you send me in the mail. Also the numbers on my fraud alert one is right XXXX but this one XXXX was tided to the person who stole me identity. Please fix the fraud alert. Just keep XXXX. Thank you.
Consumer complaint received 2021-04-05
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Byrider Franchising, LLC (MI)

I signed a contract with a car agency on XX/XX/XXXX and it started on XX/XX/XXXX, and it was supposed to end on XX/XX/XXXX. The company thats is financing my vehicle never sent me a letter in the mail stating that I had 30 days to dispute the debt that they say I owe and it wasnt listed anywhere in the contract that I signed with them. I sent them insured mail with a green return receipt, I sent them a letter on XX/XX/XXXX stating that I want to dispute the debt. In response, they sent me a copy of my contract on XX/XX/XXXX. Then I sent them two letters of insured male on XX/XX/XXXX. One letter was a letter of Cease and Desist, they later contacted my co buyer saying that I breached the contract and that they would repossess my vehicle by XX/XX/XXXX. if I dont pay the debt. The second letter was an invoice stating : According to XXXX XXXX XXXX Civil Liability, this agency has an obligation to pay me for failing to comply with any section of the Fair Debt Collection Practices Act. 

According to congress, the Finance Charge is considered the sum of all charges. 15 USC 1692h Multiple Debts was violated when I was charged for more than just the Finance Charge. The Finance Charge was {$4900.00} cents, but I was also charged for a total sale price of {$16000.00} cents. This is a fine for {$1000.00}. 

15 USC 1692g Validation of Debts was violated when I sent there agency a letter on XX/XX/XXXX stating that I wanted to dispute the debt and they responded by sending me a copy of my contract instead on XX/XX/XXXX. This is a fine for {$1000.00}. And that is when they contacted my co buyer saying that I breached the contract and that theyd repossess my vehicle by XX/XX/XXXX. Is there anyways that you guys could assist me on this predicament?
Consumer complaint received 2021-04-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc. (NC)

I am in forbearance plan for a bout a year now. 2 months ago I asked my mortgage company to do loan Modification for me and they denied my application. I want to resume payment but I cant afford the current monthly mortgage and loan Modification will be the best option for me. 

XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX NC XXXX Mortgage company : caliber home loan Account # XXXX
Consumer complaint received 2021-09-20
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. (NJ)

Hello, Please accept my complain regarding the accounts that are nor mine. I do not know the origins of these accounts but its a error in reporting obviously. Someone used y information and filed these accounts below : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX And inquiries to them ^ XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX - XX/XX/XXXX THANK YOU AND PLEASE REMOVE THEM
Consumer complaint received 2023-01-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I recently sent a letter to XXXX to dispute inaccuracies on my credit report. I have yet to get a response from them. I just got my report that i decided to order and I think its wrong! I was told I have a right to have an investigation done. Credit reporting laws ensure that bureaus report only 100 % accurate information. Every step must taken to be taken to assure the information reported is completely accurate and correct. The following information, therefore, needs to be re-investigated. Please make sure everything pertaining to my credit report is correct. 

Please provide me with the following items : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( reporting incorrect balance ) I respectfully ask you guys to provide some kind of proof of these alleged items, specifically the contract, note, or other instrument bearing my signature. 

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 
I also heard that under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.
Consumer complaint received 2020-11-30
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: Experian Information Solutions Inc. (IL)

On XX/XX/XXXX i sent in a dispute letter to Experian. On on XX/XX/2020 at XXXX XXXX. in XXXX, TX sign by an individual name XXXX. I waited a whole month and never received a response. On XX/XX/XXXX i sent in a non response letter to Experian and on XX/XX/2020 at XXXX XXXX and individual signed off on the certified letter I sent in. I called Experian on numerous occasions to ask did they receive a letter and on both occasions they denied they received the letter even though i have proof of receipt. On XX/XX/XXXX I sent in another dispute letter sent certified mail and it was delivered on XX/XX/2020 at XXXX XXXX. Once again I received no response. On XX/XX/XXXX i filed a complaint to the CFPB and on XX/XX/XXXX i received a response from Experian saying my complaint was fictitious and they feel that I didnt file this complaint and i was told I should send in another complaint to their company even though thats what I was doing in the first place. Since XX/XX/XXXX experian has been engaged in numerous stall tactics and for this company to label my numerous complaints as fictitious is appalling and disturbing at most. Even though I supplied numerous of signed certified letters, signed by an experian representative i still got a response that my complaint was not summited by me. Because of this experian has caused a significant amount of stress due to incorrect information being reported on my credit report. I cant use my VA Loan or get any type of new credit due to this unfortunate situation. For experian to continue on with their stall tactics shows they have no respect for the law or dont care to even investigate the issue levied against them.