davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (TN)

I have a previous complaint about JPMC in their response to my complaint they admitted to waiting from XX/XX/XXXX until XXXX to respond Dodd frank says JPMC HAD 30 DAYS. Dodd Frank also says failure to comply with fair lending practices voids JPMC interest in my property ( under the dispute resolution section ) there are several other issues but the laws and regulations say that JPMC LOST interest in my home with that action XX/XX/XXXX / XXXX 30 days after I started looking for a non existing insurance where they aloud changes to my insurance without letting me know since XX/XX/XXXX. JPMC waited 90 days to let me know anything. since JPMC violated Dodd Frank and RESPA they have no right to take these actions but they are just trying to bully the little guy. My paperwork in my other complaint was answered by JPMC THEY admit that they did not respond about my issue in XXXX or XXXX until XXXX. That is much more than 30 days aloud by law. Since JPMC violated laws they can not take my home because they voided their interest according to Dodd Frank 1ce in XXXX again in XXXX and a 3rd time in XXXX. 

2nd JPMC STARTED PYRAMIDING LATE FEES XX/XX/XXXX Dodd Frank says that no collection on disputed funds is aloud and no fees are aloud. On my statements I send you can see in XX/XX/XXXX that JPMC received my payment on the 8th Dodd says they are required to apply it that day, but they held it 21 days that is a crime 18-USC 656 42 USC 3631 my right to fair housing. 

Truth in lending? 
JPMC has no right to take my home after they broke the contract clearly they voided their interest in my property Says Mtg laws and regs so the effort to take it is fraud and other crimes under RICO like extortion. 

The most current executive to participate is XXXX XXXX XXXX XXXX XXXX XXXX he is aware of the fraud and is a willful participant
Consumer complaint received 2023-01-27
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: RFNA, LP (OH)

Republic finance sent me a loan before school started in the mail. I did not apply for a loan and I was not looking for a loan. Due to how hard it is to pay for school I took the loan. Due to school I am not able to make payments. Most school loans allow you to make payments after you graduate and make a better income. I feel this company was predatory. I make between XXXX to XXXX a year but, I barely work because I need my grades to be high in order to graduate on time.I attempted to make a low payment online but am not able to. Now they plan to take me to court even though I could make smaller payments like {$25.00} a month or they could wait until I graduate like most actual student loans that students acquire do. This was predatory lending because they know I am in school and have a hard time and may not be able to pay it back.
Consumer complaint received 2020-08-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Accounts, LLC (VA)

CAPITAL ACCOUNTS was sent a letter certified mail on XX/XX/2020, with regard to a debt that appears on my credit report for XXXX XXXX : XXXX that was changed to XXXX on XX/XX/2020. CAPITAL ACCOUNTS was given 14 days to respond with validation for this debt, but as of today has failed to do so.
Consumer complaint received 2020-04-28
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 mom informed me that I received a letter in the mail from where I used to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report.
Consumer complaint received 2023-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (MI)

I have made two payments on my Nelnet student loan account. I made a {$1000.00} payment in XXXXXXXX XXXX XXXX and a second payment of {$1000.00} in XXXXXXXX XXXX XXXX All three of my credit reports show different information such as no payment history, no data, or the balance is incorrect. I have addressed this with each of my creditors and Nelnet. Bank statements can be provided only if necessary as it has personally sensitive information but it does show payments that were made.
Consumer complaint received 2021-02-22
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with overdraft — Overdraft charges
Company: U.S. BANCORP (TX)

XXXX rental charged over {$19000.00} to my Texas Workforce Commission unemployment prepaid debit card backed by US Bank. US Bank investigated fraudulent activity in XX/XX/2020. They found the fraudulent activity to be true but did NOT refund the money. They closed the case and gave me no recourse.
Consumer complaint received 2021-03-04
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. (CA)

Trans Union and XXXX allowed XXXX to report false information which is causing me great harm and making it hard for me to apply for housing and necessary credit. XXXX has been posting missed monthly payments on a charged off account from XX/XX/XXXX on my Trans union credit report. They reported that my last Payment was on XX/XX/XXXX which is in-accurate and that I missed payments of XXXX in XX/XX/XXXX & XX/XX/XXXX on a charged off account. By them reporting erroneous information it has harmed my payment history. I sent a certified letter to Trans Union and XXXX  in XX/XX/XXXX asking that the account be deleted due to its many in-accuracies. There results was them only confirming and updating the same information and only deleting the missed payments in XX/XX/XXXX & XX/XX/XXXX which was against the law from the beginning. The last payment was XX/XX/XXXX in the payment history not XX/XX/XXXX and they really did not update anything. XXXX  was the only one company that caught the many mistakes and remove it completely from my report.
Consumer complaint received 2018-03-30
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. (GA)

I began disputing these items with the Credit Bureaus on XX/XX/XXXX. I sent follow up letters on XX/XX/XXXX and XX/XX/XXXX. I believe the public records reporting on my credit report are not reporting accurately nor or they in compliance with the FCRA and FDCPA.
Consumer complaint received 2020-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

There are errors on my credit report pertaining to the following Personal Information.

INACCURATE NAME SPELLING XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX INACCURATE XXXX XXXX XXXX XXXX, XXXX , OH XXXX, XXXX XXXX XXXX, XXXX , OH XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX, XXXX XXXX XXXX XXXX, XXXX , OH XXXX, XXXX XXXX XXXX XXXX, XXXX , OH XXXX OUTDATED EMPLOYERS : 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
Consumer complaint received 2021-02-10
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: National Auto Lenders, Inc. (FL)

In XX/XX/2021 requesting national auto lenders to validate debt because I have no knowledge of this account the company neglected to provide me with any documents they basically ignored my letter which is very disheartening. The company is allotted no more than 30days to validate the debt failure to do sure means they must delete this account. However, this company is still reporting this account on my credit report please help. By the way Ive also included a copy of my certified mail receipt indicating letter was sent
Consumer complaint received 2018-03-30
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ENCORE CAPITAL GROUP INC. (MI)

back in 2008 when then the banks fell like XXXX it was of corruption going on with banks like XXXX it was some illegal things going on with clients debt like mines have assurance in case I lose my job they suppose to cover me but doing that time my identity was stolen some debt collectors claims which I don't owe them. [ the name company was XXXX XXXX ] for some reason they got a default judgement against me claiming I owe them interest and paying their time for gas and other things. please call me I need your help. they garnish my XXXX XXXX wages which they was not satisfied XXXX XXXX dump them for being dishonest please call me XXXX XXXX XXXX my name is XXXX XXXX. sincerely thank you XXXX XXXX.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX  Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX  Account Number:XXXX Account Name : XXXX  XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-03-30
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: MNE Services, Inc (NC)

XXXX XXXX XXXX credit of XXXX dollars which I applied for went into my husband account on XX/XX/XXXX I was told and show I was only have to pay the principal and a interest of XXXX dollars they caused me to loose everything buy lieing to me and threating me with lawsuits and jail time can u please help withdraws from XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2018-07-12
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: Nelnet, Inc. (FL)

Many accounts transfer to another company, I been trying to delete all these account from my credit report and havent get results, the accounts are very old and I need to make correction to my credit report.
Consumer complaint received 2020-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

I thought the matter was settled months ago but after speaking with XXXX  I was notified that they have no record of COAF contacting them with a letter of deletion. This company is FRAUDULENT LIARS!
Consumer complaint received 2018-07-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

There was a total of XXXX in unauthorized charges to my checking account. I contacted Chase Bank about disputing these charges and they refused to assist. I did not authorize either of the 2 transactions, nor provide my PIN number. I have attempted to contact the merchant and received no answer The first charge was XX/XX/18 for {$75.00} and the second charge was XX/XX/18 for {$10.00}
Consumer complaint received 2018-07-12
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (CA)

I received a promotional offer from Citibank in XX/XX/XXXX to open up a Citi Priority Account and get a bonus XXXX XXXX XXXX miles with the following requirement : - Post consecutive billpays - Make {$750.00} in debit card purchases in 60 days from account being activated I took them on the offer and opened an account in late XXXX. 

I received the welcome letter from Citi on XX/XX/XXXX, created my User ID on XX/XX/XXXX, and received an email notification from Citi on XX/XX/XXXX stating that my account is active and ready to go. 

At this time, Citi sent me an ATM card instead of a debit card in my welcome letter. 
I am unable to use an ATM card to make debit card purchases in order to meet the requirement. I then gave them a call late XXXX to request a debit card so that I can make purchases to meet the requirement. They agreed to send me a debit card in the mail. A week and a half letter I received the card in the mail from Citi, but it turned out to be another ATM card instead of a debit card. I called them back and they told me that they will send a debit card again. I finally received my debit card in late XXXX, where I then proceeded to complete the purchase requirement by spending {$1000.00} by XXXX. 

I called Citi to confirm that I have met the requirement of the promotion, and they said yes I have and to wait 90 days to receive the bonus miles. 

It is now XXXX and I still have not received my bonus miles. I proceeded to call Citi, where they confirmed again that I have met all the requirements and that they will be opening up a case to investigate why my bonus miles have not posted. 

I received a letter by Citi in early XXXX stating that I do not meet the requirements of the promotion because I did not meet the purchase requirements. I called Citi and they said that the 60 day spending window ended on XX/XX/XXXX and I did not spend {$750.00} by that date. 

I think this sketchy and dishonest behavior due to the following reasons : - The terms said that I need to spend {$750.00} in debit card purchases in 60 days from the account being activated. 
- I received my welcome letter on XX/XX/XXXX & my account was fully activated on XX/XX/XXXX. 
- Citi sent me an ATM card, which I can't use to meet the debit card purchase requirement. 
- When I asked them to send a debit card, they sent me another ATM card instead. 
- I finally receive my debit card in late XXXX. 
- I met the spending requirement on XXXX, which is less than 60 days from the date my account is fully activated.
Consumer complaint received 2018-07-12
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Neon Newco Corporation (CA)

On XX/XX/2018 I made an online payment to XXXX XXXX for {$120.00}. I was emailed a paid invoice from XXXX for my monthly payment of {$120.00}. However, on my debit card account / Netspend it showed a pending transaction to XXXX  of XXXX. 

I contacted XXXX AND WAS ADVISED THE SUBMITTED THE EXACT AMOUNT OF XXXX TO NETSPEND. XXXX stated that Netspend had given them an authorization code XXXX in the amount of XXXX. 

I contacted Netspend and was advised that XXXX submitted a request to hold XXXX. 

After many phone calls, I still do not know who put the hold for more than the purchase price. This is not an amount subject to change and is a month to month fixed amount. 

I simply can not get any answers as to who placed the hold on my available funds. I had to actually go to a place and deposit money on the card to complete another purchase for parts for my vehicle. 

Netspend is swearing they didn't add anything to the XXXX submitted amount and XXXX  is swearing they did not submit an amount for more that the actual cost! 

I think I should be able to find out who placed a hold on my funds that exceeded an invoice. This was not gasoline or a car rental.
Consumer complaint received 2021-07-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (NJ)

I don't know what happened but Chase Bank closed my accounts 2 business credit cards and 4 personal credit cards for no reason. I never miss any payment. Always pay off full balance on time. I had two fraudulent charges on my business card, I dispute but failed. Then my business cards were close. After couple weeks then my all personal credit cards were closed.
Consumer complaint received 2018-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALCHRO INC. (FL)

Between XX/XX/XXXXand XX/XX/XXXX, I paid off the bill of {$75.00}, in its entirety, to XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, FL XXXX and it appears that the information was not removed nor did I receive a receipt of payment stating that I paid the bill even though my bank statement proves that I paid the bill.
Consumer complaint received 2018-07-12
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. (MS)

Dear, Consumer Finance The reason for me contacting your company is I have companies reporting information to my credit report that is not accurate and they have no information on the account. These companies have places hard inquiries on my credit report and I was unaware. I have be trying to contact these creditors on many of occasions. So that I may handle this matter. My first attempt was last year XX/XX/XXXX. The Only inquiries that where deleted where the inquiries on my XXXX report. I have also contacted these creditors today XX/XX/XXXX. And they are still not giving me information on why the inquiries are not being removed from my XX/XX/XXXX and experian report.while talking to some of the creditors today they stated the sent letters out to have the hard inquiries removed from all three credit report. I am becoming very exhausted with them cause I been trying to remove these items since last year. I havent received any information to why these hard inquiries are still being reported when a request of a removal letter was sent to all 3 credit bureaus.
Consumer complaint received 2018-03-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (WA)

My checking and savings account under Chase Bank have been frozen for nearly a year. There had been nearly {$1000.00} balance in the accounts which I am unable to access, and whenever I call to check about this, I am transferred to a department who does not provide me any information other than that my accounts are under investigation. I am not sure how I can get my money back from Chase Bank or what sort of investigation may be happening that has taken nearly a year and still has no resolution. Furthermore, I was promised to receive a {$300.00} checking account bonus + {$300.00} savings account bonus, which I never received due to the accounts being frozen.
Consumer complaint received 2021-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

They are reporting the wrong date when the credit card was open which should have been off my credit by now which my ex wife that was responsible for it have not made payments on it over seven years I need this fix as i spoke with XXXX and Experian  and have not resolve the issue the date that they are reporting when the account was open is not legit and is a very old account ... .Please help fix this issue
Consumer complaint received 2018-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (SC)

Account with Citi financial opened XX/XX/XXXX. On XXXX XXXX has XX/XX/XXXX. The highest credit was {$9200.00}. XXXX XXXX has {$13000.00}. This loan has been sold five times. My compliant is with Citi Financial as well as XXXX XXXX. Citifinancial sold to XXXX XXXX, from XXXX XXXX  to XXXX XXXX, from XXXX XXXX to XXXX and currently XXXX XXXX is trying to collect. I feel I have paid this loan in full. I never boworred {$13000.00} form Citifinancial. I believe this information is outdated. All companies listed stated collections under Citifinancial. I began Citifinancial reported having received {$5800.00} when transferred to another lender in XX/XX/XXXX. On XXXX   {$4700.00} activity designation paid and closed. XXXX received payment up until XX/XX/XXXX
Consumer complaint received 2018-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Ditech Financial LLC (SC)

Account with XXXX financial opened XX/XX/XXXX. On XXXX XXXX has XX/XX/XXXX. The highest credit was {$9200.00}. XXXX XXXX has {$13000.00}. This loan has been sold five times. My compliant is with XXXX XXXX as well as XXXX XXXX. XXXX sold to XXXX XXXX, from XXXX XXXX to Green Tree, from Green Tree to Ditech and currently XXXX XXXX is trying to collect. I feel I have paid this loan in full. I never boworred {$13000.00} form XXXX. I believe this information is outdated. All companies listed stated collections under XXXX. I began XXXX reported having received {$5800.00} when transferred to another lender in XX/XX/XXXX. On XXXX   {$4700.00} activity designation paid and closed. Ditech received payment up until XX/XX/XXXX