davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-01
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: JPMORGAN CHASE & CO. (NJ)

On XX/XX/XXXX, I called the Chase dispute department to dispute a charge from XXXX XXXX ( transaction XXXX QC processed on XX/XX/XXXX ) in the amount of {$260.00}. I explained that the charge was for a flight upgrade. Since there was a delay to the flight resulting from mechanical issues associated with the plane, XXXX XXXX decided to rebook me on their partner airline XXXX XXXX. Upon being at the XXXX XXXX counter, the representative told me that the upgrade I paid for could not be processed because it was for XXXX. I submitted a claim to XXXX and also called Chase to dispute the charge stating that the product/service ( actual upgrade ) was never rendered. Chase told me that because I was accommodated with another flight, this was valid. Something that neither makes sense, nor was it based on any airline policy. I asked to speak with the supervisor who had nothing else to say besides wanting me to write to some address. No additional explanation was provided, no airline policies and ticket contingencies were reviewed. Investigation was closed prematurely with essentially rationale that did not make sense.
Consumer complaint received 2017-08-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (IA)

I just submitted XXXX and forgot to include this additional info and the system wo n't allow me to update the original complaint. On XX/XX/XXXX at XXXX XXXX CST I spoke with XXXX XXXX and on XX/XX/XXXX at XXXX XXXX CST I spoke with XXXX XXXX, both with SPS. I had questions about my account transfer and payments and on both occasions I brought up the question if I was going to be okay with that escrow amount remaining at the end of the loan. Both of them notified me that I would and that I would simply see that amount each month on my statement, but that I only needed to pay the normal monthly payment. These are two agents now with SPS that told me everything would remain the same.
Consumer complaint received 2017-08-11
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (NY)

I opened a credit card account with Rooms To Go was approved {$2000.00} for my purchase by  Synchrony financial, I did make purchase of all and paid bill on time without default or misuse of the credit card. There has been inactivity of the card for a while and as result the financial company took stand without informing me and close the account and same time run my credit to make it look like i did reapplication for credit card. My concerns are the following : 1. How can you close my account without permission or involving me 2. The account has not outstanding balance 3. There was not suspicious activity on the account 4. I call them and inquired and was told by supervisor that they have right to closed unused account. I replied on phone conversation that, its my account and you have no right to shut it down when there is an absence of non-payment, outstanding balance and anything.
5. closing a credit account has impacted negatively on my credit score judiciously 6. Do they have right to close my account in absence of above mentioned concerns 7. I want my account be opened as soon as possible
Consumer complaint received 2018-09-18
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Byrider Franchising, LLC (AZ)

JD byrider/XXXX is the financing group, I paid on time every time without issue, they offer insurance on their vehicles which I paid on time every payment. My issue is I got into an accident and they received the money via the insurance for a car that has a median value at XXXX with the highest amt on XXXX at XXXX, they received a payout of see below : On Mon, XX/XX/2018, XXXX XXXX XXXX XXXX XXXX wrote : I am sorry that you feel that way, but the arrangement was for XXXX to make the first payment on XX/XX/2018 for {$190.00} while the claim was in process, since we both knew that there was going to be a deficiency balance after the insurance payment and sometimes insurance claims take a bit longer to get resolved. 

Here is the break down on how the insurance, Interest and tow fees payments were applied. 

Payment Interest Principal Balance {$7800.00} as of XX/XX/2018 interest accrued from XX/XX/2018 to XX/XX/2018 is {$100.00}. 

XX/XX/2018 Ins. check {$4000.00} {$100.00} {$3900.00} {$3900.00} Tow fee XX/XX/2018 2nd Ins check {$620.00} {$66.00} {$550.00} {$3300.00} Please contact XXXX XXXX at XXXX as soon as possible in order to avoid any further action. 

If you have any questions please contact me at XXXX. 

Thank you. 

XXXX XXXX JD Byrider They also put me in repo at XXXX owed and the car was not repod it was totaled out with the insurance pay out, which cause my score to go down by XXXX points. I believe this is unfair as they received money from the insurance for their product. They ruined my credit claiming repo for a vehicle they did not reposses. They have knocked on our neighbors door and continuallyn knocked for 2 days staright on the XX/XX/XXXX and XX/XX/XXXX and threatened to put it on my credit if I didn't give their collector the money on the XX/XX/XXXX 

I have read many complaint reviews online of this tactic to other consumers. 

Please advise as this is not fair to people who have maintained a good pymnt record. 

I could even get my car repaired as they wanted the pymnt for the previous tow before my front alignment and front end can be fixed, I felt this was probably the cause of the accident.
Consumer complaint received 2023-01-30
Product: Checking or savings account — Savings 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: WELLS FARGO & COMPANY (GA)

I became a Wells Fargo customer after their acquisition of XXXX. With XXXX I had a savings account. After the transition to Wells Fargo, they begin deducting monthly fees until it put my checking account in overdraft after they depleted my savings of roughly a couple XXXX dollars. I became aware that they had fully depleted my small savings after my checking account went into overdraft. This was in approximately XXXX. I understand that they have been found liable of unscrupulous and unethical charges that violate consumer rights for actions during this period. I closed my bank account with Wells Fargo in roughly XXXX or XXXX, after I discovered what they had done but I still talk to this day about how horrible they are. If I am eligible for compensation for their actions, I want to partake in the class action suit, or be eligible for class action compensation.
Consumer complaint received 2022-04-05
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: EQUIFAX, INC. (MO)

I am a victim of identity theft. My personal information was used without my consent or knowledge. I have disputed the incorrect items with the credit bureaus and the creditors. Neither have ever shown, or sent me any proof that these were mine, no contracts or signatures. The items I want removed for fraud are XXXX XXXX XXXX ( acct # XXXX ), XXXX XXXX XXXX ( acct # XXXX ), XXXX XXXX XXXX ( acct # XXXX ), XXXX XXXX ( acct # XXXX ) and XXXX XXXX ( acct # XXXX ).
Consumer complaint received 2024-05-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Stillman Law Office, LLC, Farmington Hills, MI Branch (MA)

In XX/XX/XXXX, I have received a letter from Stillman Law office stating that I owed a company XXXX XXXX XXXX XXXX {$25000.00}. I have never dealt nor had any business with this company. I had requested the proof and validity of the debt. My requests were ignored. In XX/XX/XXXX, I had received a summons that I am being sued while I am still waiting for documents showing the proof of the debt. I responded asking them to the court and to the attorneys office to provide me the following documents that I have been requested. 
A signed and their legal dated document/validity of the debt A detailed and itemized statement of the account showing all charges, payments made through my bank and anything with my signature. 
Promissory note of the loan with my signature and date A copy of any identification ( drivers license ) or any legit documentation with my signature or copy of anything with my signature. 
Loans agreement with my signature. 
I had received a package from them in which I go through every single page of their documents. There is nothing attached me to this debt except. 
They have failed to provide me with any documents. I had been in court 3 times already. on XX/XX/XXXX I went to court requesting the same documents, attorney had failed to provide me. Attorney said he will call me for further clarifications. He has not called me back. I had another court date on XX/XX/XXXX. I need help to solve this matter. I cant afford a lawyer. They need to provide me with any document with my signature or they have dismissed their case because I do not owe this office/company any money. 
I know I am entitled to request and receive proper verification and validation of the debt, the amount of the deb and a copy of the original contract for agreement. Please I need help.
Consumer complaint received 2019-11-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ORG GC GP BUYER, LLC (NV)

On XX/XX/XXXX, I disputed through CFPB that this account was not mine. In those 15 days, they've done NOTHING. It doesn't take that long to verify an account. I requested specific documentation, which would leave GS SERVICES 15 days remaining, to provide me with this documentation. FCRA does give 30 maximum. I requested all documentation ( not an invoice ) showing even a contract bearing my signature ( FCRA 609 ) - they have no contract. That being stated, what proof were you given that this account was even opened by me?! I gave them police report number, and FTC report. Which gives a time frame that collection agencies have to remove an account. Same for bureaus. The collection was given to your office in XXXX YET I still have XXXX XXXX   currently in my name. FCRA 609, 823 - provide me the contract bearing my wet signature or delete it immediately.
Consumer complaint received 2019-11-01
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Io, Inc. (MD)

On XX/XX/2019 I sent a notarized letter to the credit bureau called XXXX via certified mail. The letter requested the physical verification of two particular debts in accordance with my rights and laws under the FCRA. The letter was delivered to XXXX on XX/XX/2019. In response to my letters, I received a letter from XXXX dated XX/XX/2019 stating that both of these accounts have been verified as accurate. I received two letters from the collection company - Receivables Management Systems, both dated XX/XX/2019 trying to collect a balance on both of the accounts. The only way for XXXX to have verified these accounts with Receivable Management Systems would have been for them to have sent my personal medical records that are protected by HIPAA laws to XXXX. If that is the case - this is a huge violation of the laws and require very large fines against Receivables Management Systems. For Receivables Management Systems to have my personal medical history related to the accounts would be a huge violation of the laws and require very large fines again. In accordance with FCRA and HIPAA laws, either these debts can not be verified and need to be removed from my credit report immediately or they need to be investigated for sharing my personal medical history. At no time did I contest or dispute the debts and accounts in question.
Consumer complaint received 2019-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I viewed my credit reports and saw that it is reporting in the summary/overview that I have 17 late payments on XXXX and 19 late payments on Transunion but there are no evidence of this in the accounts that I have on my reports.

This inaccurate reporting has been negatively impacting my credit.
Consumer complaint received 2020-05-22
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: LEXISNEXIS (VA)

On XX/XX/2020 I have disputed a bankruptcy that Lexis Nexis is reporting that they verified first hand from the XXXX District Court. I have attached documentation from the XXXX Court that they Do not report to any third party agencies. I have also disputed the bankruptcy information that XXXX, XXXX and XXXX is reporting as the information was verified by Lexis Nexis.
Consumer complaint received 2023-01-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (NY)

I sent a request for information/qualified written request letter to my purported loan servicer XXXX loan management servicing on XX/XX/XXXX in response to a letter I received dated XX/XX/XXXX. 

The address listed on the letter to send these types of correspondence is Rushmore Loan Management Services LLC XXXX XXXX XXXX XXXX, California XXXX However when I track my correspondence this address does not exist and my letter has been sent to another address in XXXX in which the mail has not been picked up in more than 5 days
Consumer complaint received 2019-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2019, I fell victim to identity theft and someone attempted to open a credit card with " JPMCB- Card Services ''. The card was not opened as the bank was unable to confirm information on the application, per a letter received from the bank. However, a hard inquiry was placed on my XXXX  report. However, this attempted credit card application was fraudulent and the XXXX hard pull must be removed. 

I contacted JPMCB - Card Services on XX/XX/2019 and they informed me that they would request that the credit bureaus remove the fraudulent hard inquiry from my reports. I received a letter to this effect dated XX/XX/2019. I also contacted XXXX   on XX/XX/2019 to have the hard inquiry removed and was told they'd need to wait for the credit card company to request the hard pull be removed. 

Nothing happened. I submitted a second dispute with XXXX   on XX/XX/2019 as well as contacted JPMCB - Card Services. I was told that they had informed the credit reporting agencies that the hard inquiry should be removed on the basis of fraud but that they would send them a second request for the removal by XXXX. I received a letter confirming this action dated XX/XX/2019. When I received back the results of my dispute from XXXX, it stated : " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. If you have additional questions about this item please contact Chase Card, XXXX XXXX XXXX, XXXX, DE XXXX, Phone ( XXXX ) XXXX. '' As of today, XX/XX/2019, I still see the hard inquiry from JPMCB - Card Services on my credit report from XX/XX/2019. To reiterate, this was a fraudulent attempt by someone to open credit in my name, which failed but the hard inquiry is negatively impacting my credit score and needs to be removed  immediately after these multiple attempts to resolve this through the bank ( JPMCB - Card Services ) and credit reporting agency ( XXXX ).

Additionally, this JPMCB - Card Services fraud had also been reported to XXXX. However, that was quickly resolved and the hard inquiry has long since been removed from my XXXX credit report. 

I have locked my credit reports and added a security freeze at all three credit bureaus.
Consumer complaint received 2019-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

Capital One # XXXX is reporting a late in XX/XX/2019 that I should not owe. When I set this account up I wanted to set up auto draft but set up auto pay instead and apparently that is not the same thing. The representative I spoke to did not set it up properly the month before and as a result I got this late before I noticed the mistake. This late is not my fault and I would like it removed off of my credit.
Consumer complaint received 2022-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MS)

XXXX XXXX credit card balance is {$0.00}, however on all credit bureaus it shows a balance of {$160.00}. Card balance was paid on XX/XX/22 which resulted in {$0.00} balance.
Consumer complaint received 2020-10-12
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Law Office of James R. Vaughan, P.C. (AZ)

On XX/XX/2020 i received a letter from my employer " XXXX  XXXX XXXX XXXX '' of a Non Exempt Earnings Statement ( Judgement not for support ). this letter stated I have had my wages garnished without proper notification. I never received a letter from the court nor the law offices of James R. Vaughn. I only found out about the garnishment from XXXX XXXX XXXX XXXX XXXX stating my wages where being garnished. Subsequently i am enrolled through a debt counseling agency whos managing my payments to creditors to help me get back on track with my debt to move on with my life. This garnishment is causing me to fall into ECONOMIC HARDSHIP. I cant afford to buy my prescription medication, I cant afford to see a Dr. Or pay my rent on time. I cant even afford to put gas in my car or keep up with my other bills, after the garnishment I am only bringing home about {$610.00} bi weekly. I have been late on my rent, i cant afford to buy groceries or buy food because of this garnishment. I cant apply for government assistance because I work for XXXX  XXXX XXXX XXXX  also known as XXXX XXXX XXXX XXXX XXXX. XXXX  agents do not qualify for SNAP or Medical benefits. I called XX/XX/2020 at XXXX XXXX  to discus why I was ambushed like this.
Consumer complaint received 2019-11-01
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: EQUIFAX, INC. (FL)

AFTER REVIEWING MY CREDIT, I HAVE IDENTIFIED SOME INQUIRIES LISTED THAT WERE NOT AUTHORIZED BY ME, PLEASE HAVE THOSE INQUIRIES REMOVE FOR THEY HAVE BEEN INACCURATELY PLACED ON MY FILE.
Consumer complaint received 2022-04-05
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I have been bombarded with constant calls by Portfolio Recovery. They have been calling me every single day for years now trying to collect a credit card debt in the amount of approximately {$1200.00}. My debt is XXXX years old, dating back to XXXX. I finally got tired of the constant calls and answered on XX/XX/XXXX to tell them to stop the harassment on a debt that is void at this point. The call lasted for 4 minutes and the representative had no regard for my request and continued to tell me that they could call me and continue to try to collect. The debt is off my credit report and it is past the statute of limitations to take action upon this debt. They continue to call me and have started to call me multiple times every single day, including weekends.
Consumer complaint received 2018-09-18
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Ditech Financial LLC (TN)

XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX had a lien on a Mobile Home Tn Vin XXXX Title number XXXX Tennessee They went out of business without a trace Original borrower was XXXX XXXX XXXX This mobile home was paid off years ago and they never released the title This transaction is holding up two other transactions. 

I am uploading all that we have on this. But we need this title released. We need to know who is the person that is left that signs for XXXX XXXX that got bought out by Ditech Financial, LLc.
Consumer complaint received 2020-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (GA)

Santander is reporting an erroneous debt on my credit file that I do not owe. This debt is really old. Not only is it past the statute of limitations but it is also past the credit reporting limit per FCRA guidelines. I do not owe this debt and it needs to be removed from my credit file.