davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (CA)

I had trouble in receiving XXXX XXXX check which they payed me then took the money back as a charge off they said I was responsible for this check that other bank said it was no good but was good check latter after the investigation they determined I do get the money back after 3 months of this off my account... it took them 1 month to notify me of this supposed bad check This happened in XXXX  XXXX well Fargo checking account.
Consumer complaint received 2022-09-11
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Grant Mercantile Agency (CA)

I received a notice from your company to my mother 's mailing address that is not my mailing address for a debt that I never received an invoice for. I do not have an idea of who XXXX XXXX XXXX is and I have not received an invoice to my home mailing address which is the address I use for everything. I would like to find out who this company is that is charging me XXXX. I can pay the money if needed, but I should not be getting sent to a collection agency when 1. I have not received a bill and 2. the address used to send me to collections is not even my mailing address.
Consumer complaint received 2018-02-21
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: Collection Bureau of America Ltd. (CA)

In XXXX CBA COLLECTION BUREA, having its address at XXXX XXXX XXXX XXXX, California, reported a negative collection item to all three major credit agencies ( please see attached ). I disputed this item in XXXX and it was removed from all the known agencies. 

In XXXX this year i have discovered that the item was reinserted to my XXXX credit report ( but to none of the others to my best knowledge ). I was advised that the credit bureau should have notified me within 5 days of reinserting the deleted item, but they haven't done so. Furthermore, I believe that I am being treated unfairly by the bureau. I am now forced to go through the disputing process all over again, including the expensive costs of the process as well as the enormous time i need to put into this. 


Sincerely, XXXX XXXX
Consumer complaint received 2018-02-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (GA)

I have written several letters and done disputes to get VALIDATION and original paperwork/contract. This company refuses to provide this information and has simply said investigation is complete and resolved. I want this account removed from my credit file. They are currently reporting a {$790.00} debt.
Consumer complaint received 2024-03-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (MS)

I am enrolled in XXXX XXXX XXXX at least half time. My school ID # is XXXX. I have graduated, but had to continue classes due to certificate/concentration classes. 

I keep contacting Nelnet via their online portal requesting deferment due being in school. Called them on the phone and they submit it.

But no one ever contacts me back and I keep getting billed, late fees, etc. I spoke to my school and they said their isn't anything on my account where they contacted them.

I have no method of resolving this except to go through you. Please help me resolve this issue. This company is the worst to deal with!
Consumer complaint received 2020-04-27
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: Reliable Credit Association, Inc. (ID)

My wife went to see a vehicle that she really wanted. I was at work and when I got home she told me she felt so pressured to sign papers even though it was not under her name. The guys at the dealer force her to get the car under my name without my authorization. I went to the dealer fought them about it and unfortunately could do anything about it.
Consumer complaint received 2018-06-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: TD BANK US HOLDING COMPANY (NY)

I HAVE A GOOD STANDING CREDIT CARD ACCOUNT WITH TD BANK SINCE XX/XX/XXXX WITHOUT ANY LATE PAYMENTS. LAST TIME I MADE A PAYMENT WAS THROUGH ONLINE AUTOMATIC SYSTEM. ACCOUNT WAS NEVER LATE AND ALWAYS BEEN A GOOD STANDING. MY CREDIT IS EXCELLENT FROM ALL THREE CREDIT REPORTING AGENCIES. 
I TRIED TO LOG IN SINCE LAST FEW DAYS AND TRY TO CHECK MY ACCOUNT IT DIDN'T GAVE ME FULL ACCESS TO IT. I CALLED BANK THEY GAVE ME NO REASON AND TOLD ME MY ACCOUNT IS IN COLLECTION. 
ON XX/XX/XXXX I WENT TO TD BANK XXXX NEW JERSEY BRAND AND SPOKE TO BANKER SHE TRIED TO HELP ME AND CALLED CUSTOMER SUPPORT AND WE BOTH GOT SAME NO REASON ANSWER AND THEY TOLD US THAT WE ARE GON NA RECEIVE LETTER WHY MY ACCOUNT IS CLOSED.
Consumer complaint received 2018-02-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (WA)

In XX/XX/2017, Chase closed all of my credit card accounts with no reason given. I appealed the closure of the accounts but they were not reopened. 

On several of the accounts I paid annual fees for the use of those cards. Those annual fees were not returned to me even though I was no longer able to use the cards.
Consumer complaint received 2022-09-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (CA)

On XX/XX/2022, I was trying to buy concert tickets for the upcoming Friday 's concert ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Someone on XXXX was selling tickets, I messaged him, and then I was scammed when I sent him money ( {$90.00} ) over XXXX because he immediately went offline and blocked me afterwards. 

His name on XXXX was XXXX XXXX XXXX -- however, on XXXX, it turns out that his actual name associated with his XXXX account is XXXX XXXX. The email associated with his XXXX account is XXXX Please investigate this.
Consumer complaint received 2022-04-01
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JPMORGAN CHASE & CO. (MD)

My is XXXX XXXX I am a federally protected consumer and I am filling this complaint against JPMCB XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX. 

Over the course of XXXX Chase has inaccurately and fraudulently furnished false and misleading information on my consumer reports as a means to bring harm to me and my financial reputation. 

Chase JPMCB reported XXXX separate account ( XXXX ) as Charge-Offs on my consumer reports. 
I am aware that under 7 CFR 1956.54, A Chargeoff is the writing off of a debt and termination of collection activity. I am aware that when a debt is written off, it has now become gross income pursuant 26 U.S. Code 61. Note, discharging of indebtedness also falls under this code. Lastly, income shall not be reported on any consumer report.

If Chase JPMCB has filled out a 1099c form and is continuing any kind of collection activity as defined under 31 U.S. Code 3711 ( e ) by performing any of the following conduct ; administrative offset, tax refund offset, referral to private collection contractors, referral to agencies operating a debt collection center, reporting delinquencies to the credit reporting agencies, pursuing litigation, you are committing tax fraud and should be reported to the IRS for a fraudulent financial gain. 

- I would like a senior XXXX member from your company to send a sworn statement of fact that you did or did not file a 1099C as required by the IRS and/or the US Treasury ?

If a 1099C was filed I DID NOT RECEIVE A 1099C from your company.

- If you did file a 1099C, send me proof such as a tracking number or green return receipt with my wet signature, proving that I did received and that I was in fact made aware of a 1099C.

This company JP Morgan Chase & Co. dba as JPMCB is committing unlawful extortionate means by furnishing this alleged debt to my consumer report as a means of bring harm to me and my financial reputation.
Consumer complaint received 2020-04-27
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: AMERICAN HONDA FINANCE CORP (NY)

After reviewing my credit report on XXXX, XXXX  and XXXX, i noticed that there is a unauthorized inquiry on all three credit bureaus. I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. 
INQUIRY DETAILS : American Honda Finance Date : XX/XX/2019
Consumer complaint received 2018-02-21
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Rosebud Economic Development Corporation (MS)

My name is XXXX XXXX XXXX and I an a client of XXXX XXXX Help debt collections agency whom is handling my accounts that I have with them to settle. One of my lenders who knows that I am a client of XXXX XXXX Help is consistency calling me and this Lender is XXXX XXXX. They have been sent the legal documents to there company informing them I am a client of XXXX XXXX help to for them to only to communicate with them concerning my debt owed. They are not doing what was asked of them in the documents that was sent to them. They call me everyday but I don't answer but I know its them that is calling everyday. this XXXX XXXX number that appears on my caller Id when they call it XXXX. So please I want o file a compliant against this company for harassment due they know they not suppose to contact me and are to only talk to my representative with XXXX XXXX Help
Consumer complaint received 2021-10-05
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX is an account on my transunion credit report. Account was paid, creditor, and doctors office agreed to delete the account once paid. Paid and receipt was provided. Get this account OFF of my report!
Consumer complaint received 2020-04-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CA)

I made a claim with chase about a transaction that occurred in my account due me being a vicitim of a fraud employer who got me to purchase gift cards at XXXX  {$600.00} after he made a false deposit in my credit account and the payment was later returned a week later and he did not return my calls or reimburse me for the {$600.00} purchase and I signed a work contract that he would pay me and did not so I made a claim with the bank that they purchase he made me do was for his benefit and scammed me. I did not get my claim approved and the funds have been removed from my account
Consumer complaint received 2020-04-27
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Navient Solutions, LLC. (MA)

I see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2018-02-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (TX)

On XX/XX/ their records indicate a payment of {$62.00} for Mortgage Insurance ( PMI ) for a due date of XX/XX/. In addition, on XX/XX/ their records indicate a payment of {$300.00} for Mortgage Insurance ( PMI ) for a due date of XX/XX/. The amount due on a monthly basis is {$300.00}. The {$62.00} payment amount should be refunded to my escrow account as an erroneous payment on their behalf. 

Please apply the over payment of {$62.00} to my escrow account ASAP.
Consumer complaint received 2021-05-19
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. (CA)

There is a XXXX account reporting on TransUnion and XXXX that is not mine. I was not liable on this account and was only an authorized user. I've sent multiple letters to dispute this item directly and they have failed to remove it from my credit report.
Consumer complaint received 2018-02-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CO)

In XX/XX/2015 I received a call from XXXX XXXX. They called telling me how they could help my online business and persuaded me to buy their very expensive Marketing package taking complete advantage of me. This included Social Media Gateway Marketing leading traffic to my website, Mobile website, and Video marketing for {$7300.00} I paid them with my USAA XXXX card ending # XXXX I never received any of these services as stated in my contract or described to me when they contacted me on the phone, I have only received some basic account setup and a couple of half hour training sessions that lead nowhere and definetly not worth {$7300.00} It was very minimal stuff not even close to what they described to me when they got me to give in to their demands and pay them the outrageous amount. 

They deceived me and gave me their verbal promise this marketing package was needed to build a successful online business. 

This is unacceptable, please dont let these scam artist get away with this and help me get my money back. 

Thank you.
Consumer complaint received 2018-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX said i didnt have credit history and XXXX and transunion cant seem to fix my credit with the inaccurate information they need to fix that asap
Consumer complaint received 2018-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (CT)

I opened a XXXX XXXX Department Store credit card in XX/XX/XXXX. The card was used sparingly. Payments had always been paid on time. I believe I used the card to purchase a suit in XX/XX/XXXX.  That had been the only time i used that card in years and hadn't used it again since. However, in approximately XX/XX/XXXX I received a notice from XXXX 's saying that my account was in arrears to the tune of {$3500.00}. Completely flabbergasted I contacted them. They told me that my bills had been being sent to Virginia. They had been for quite some time. I asked if there were any authorized users of my card and they said no. I asked if the purchases were made in store or online and they said in store. I have never lived in Virginia. Ever. I've been a Connecticut homeowner since XX/XX/XXXX. You can check my mortgage statements for proof of that. I've never made a purchase at a XXXX 's in Virginia. I told them the purchases must've been fraudulent. They refused to do anything about it. Quite frankly XXXX 's was content to allow these fraudulent purchases to take place because the bill was being paid. However, as soon as the person stopped paying they blamed it on me.
Consumer complaint received 2023-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (NY)

TD auto finance is showing my car payment late 30 days late multiple times when there was errors with there end and I have paid in the branch which they allow My monthly payment it XXXX and in the month of XXXX XXXX XXXX of 2023 they reported me each month 30 days late.
Consumer complaint received 2020-04-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (IN)

I have been trying to get this corrected. I made an on-time payment to PennyMac from my Bank Account on XX/XX/XXXX for an XX/XX/XXXX Payment. It was sent electronically from XXXX XXXX to PennyMac. PennyMac tries to say that the payment did not go through. They have called three times to collect the payment from me. Two of these times are AFTER I stated that it was paid. They claim to see the attempted payment but claim there was not a success code and thus it was not a payment. My bank shows it as successful. Twice PennyMac claimed they would research it and get rid of the late fee. However, the late fee keeps reappearing as does the online record showing a late payment. Along with that, they keep calling me asking me where my payment is. They are incompetent.
Consumer complaint received 2022-08-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (AZ)

I have a Citi card ending in XXXX which I attempted to close last year and told it was closed even after aggressive attempts to promote to me 1 time offers of keeping the account open. I had been under the belief that the account was closed but recently received a late fee notice for the annual membership fee. I haven't used this card in more than a year and after calling the phone representatives were again very aggressive in trying to prevent from closing the account. They claimed the account is now closed but online the account still appears open and with fees being racked up. I fairly unhappy that Citi customer service is refusing to close the account on multiple occasions now.

My last attempt to close was 1 week after last year 's annual fee hitting and I have phone records of calling. 
I attempted again to call on XX/XX/XXXX and XX/XX/2022 after receiving past due notifications in my email.
Consumer complaint received 2024-03-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BUSEY BANK (IL)

I was looking at our checking account transactions and noticed that on XX/XX/2024, {$130.00} was taken for XXXX, which doesn't cost nearly that much. The transaction says " XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX 

I looked them up and wrote to them, but got no satisfaction.
Consumer complaint received 2020-04-27
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. (AR)

My husband and I have been a victim of identity theft. We have never opened joint accounts or done rental agreement together. We have been trying to remove these things for our reports for 4 years since we first found out. This account on my report and inquiries are not mine. Please remove these fraudulent items from my report.
Consumer complaint received 2018-02-21
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Kashia Services (CA)

My employer reported receiving a fax labeled as Wage Assignment Demand Notice. The fax alleged that I had signed a Wage Assignment and authorized Kashia d/b/a XXXX XXXX to collect wages from my employer to repay the loan. The information received by my employer indicated that XXXX XXXX was collecting on the wage assignment on behalf of Kashia d/b/a XXXX XXXX. The demand instructed the employer to deduct 15 % of the employees disposable pay and mail a check to the following address : Kashia d/b/a XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX The employer reported the following additional contact information was associated with the demand notice : Email : [ XXXX ] Phone : XXXX Fax : XXXX The notice was referenced as a 2nd attempt, and noted that I was informed my employer would be notified. The notice was emailed to my employers company website which is not secure. I never heard of XXXX XXXX yet the company had all my information. After several attempts to request for XXXX XXXX and XXXX to cease all communication the company I work for still continued to get notices emailed.
Consumer complaint received 2022-04-01
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/2022 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 30 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person
Consumer complaint received 2020-04-27
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. (LA)

On XX/XX/2020 XXXX XXXX completed an investigation into some fraudulent activity where someone other than myself opened a credit card in my name. The letter was sent to Transunion, XXXX  and XXXX. All three bureaus removed the actual account. XXXX  and XXXX  removed the inquiry but it still remains on my Transunion credit report.