davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-09
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: JPMORGAN CHASE & CO. (NJ)

My XXXX  XXXX was taken Friday XXXX, XXXX at XXXX which i perceived at that time as stolen so i called the police to the scene of the incident. After taking my information and running it thru the system i was told that my vehicle was repossessed. It was the weekend, i instantly called my load provider jp mortgage chase. They then verified that my car was in fact repossessed, this was the first time i was notified that my account was delinquent and that why my car was repossessed. JP mortgage chase also informed me of the company ( commercial services phone number ( XXXX ) XXXX ) who is in posstion on my XXXX  XXXX. I called commercial services ( repo company ) and they informed me what was needed to be done to retrieve my vehicle. I then called chase auto to correct the problem i spoke to multiple different associates XXXX  ( unique id  XXXX ) ( XXXX id # XXXX ) and XXXX ( XXXX ) XXXX XXXX the supervisor of my case, she told me that multiple attempts were made to reach out however no contact was made to me and I never received any correspondence. XXXX also told me i would have to pay the loan in full total XXXX in order to retrieve the car from the repo company. I Also call chase to rectify why the payment weren't going threw, and was told that the payments were indeed going to the payee listed. This information was given repeatedly XX/XX/XXXX XXXX regarding the payments being sent out. On XX/XX/2020 I was advise by XXXX a chase represtentive to cancel all recurring payments at this time due to the ongoing issue.
Consumer complaint received 2018-09-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (MO)

On XX/XX/XXXX, I reached out to XXXX XXXX XXXX , XXXX, regarding a debt that is not mine, but is reporting on my credit report for via XXXX in the amount of {$420.00} with an open date of XX/XX/XXXX, via letter. The letter asked them to validate and verify the debt within 30 days, and if not validated nor verified during the allotted time frame, that a complaint would be filed due to noncompliance with this request and could possibly put the company in legal trouble with the FTC and other state or federal agencies. It is well over 30 days and I have not received a response. Under the FCRA 15 U.S.C. 1681i, all inaccurate, no contract, invalidated, and unverifiable accounts must be promptly deleted. Therefore, since they were unable to verify and validate this debt, I am asking that it is removed from my credit report.
Consumer complaint received 2020-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS (MI)

There are two incidents on my insurance company report increasing my rates. The first is for a comprehensive claim on XX/XX/XXXX. I never filed a claim or even had an incident to report or claim during that time period. ( I did address this with XXXX and they sent me to Lexus Nexus for both my issues - and they do not get you to a real person. the automated hangs up once I try my name ) the second is for XX/XX/XXXX. at the time we had XXXX XXXX. I came out of XXXX XXXX  to find a hole in the back of my XXXX XXXX. I called the insurance company about it and they suggested I have an adjuster come out so I did. They said if it was hit and run not my issue. the adjuster came out and said it was around {$800.00} damage and that I would have to pay the {$1000.00} deductible to fix it. I refused the claim. But was confused by his findings since the damage was done by someone else. 
both these incidents are causing a huge increase in my insurance. I have not made any claims in the last 5+ years with either of these insurance companies. ( We only switched because XXXX doubled my policy amount ) XXXX told me I could dispute both of these but can not get a live person at Lexus nexus. Can you please help. our policies are always paid on time, and up to date and consecutive. We have no claims. thank you
Consumer complaint received 2018-09-29
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: SUNTRUST BANKS, INC. (MD)

Hello, On XX/XX/2018 I attempted to open a checking account at Suntrust bank at the XXXX location in XXXX XXXX, Maryland. There is an offer online where if you submit your email they will send you a promotional code for a bonus of {$500.00} dollars upon opening the account and receiving a direct deposit of {$2000.00} within 60 days as well as complete 10 debit cards purchases. I brought my code in to the branch and spent an hour with the bank manager setting up the account as well as submitting a {$100.00} opening deposit. Everything seemed well until the banker could not see the offer attached to the account after opening. She reached out to her headquarters where no explaination was given as to why it didnt work. She then closed my account and refunded my {$100.00}. I have tried to reach out via phone to suntrust customer service and they give no answer as to why I could not open account.
Consumer complaint received 2020-07-08
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: I.C. System, Inc. (TX)

I am reaching out about the below listed account. Kindly be advised, I am disputed the matter of the IC System account as the account is not my account. 
I C SYSTEM Last reported XX/XX/XXXX {$280.00} Open balance XXXX XXXX XXXX Original creditor XXXX Opened XX/XX/XXXX ( XXXX yrs., 3 mos. ) Account status Open Original creditor name11 XXXX XXXX Once more, I am requesting the source of the payments made to the account be investigated as someone other than myself maintained the account for some time. 

From XXXX and XXXX I was in the XXXX XXXX, XXXX, XXXX, and XXXX. I have two expired passport booklets that will reflect my travels as well as time-stamped photographs. Moreover, I have one domicile, in which I have resided since XXXX. There was no need for any of the amenities listed in the below accounts as all were in my spouses name and furthermore, being abroad, the below amenities were null ; there was no need for these. I am more than willing to provide the above documentation of my whereabouts. I have disputed these accounts previously. I am disputing these accounts again and will continue to do so until the matter has been resolved. 
Respectfully, XXXX XXXX XXXX
Consumer complaint received 2020-09-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ProCollect, Inc. (TX)

Procollect never provided the following documents : 1.procollect did not provide documents that they own this account. 2.they did not provide proof that they have the right to collect this debt in my state. 3.proof that procollect carries a bond. 4.proof on how they assessed the outstanding debt. 5.payment history from the original creditor. 6.copy of contract bearing my authentic signature.
Consumer complaint received 2020-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ID Analytics, Inc. (CO)

applied for credit card with XXXX to save on buying appliance was turned down when the letter came 7 days later explaining why it states I am deceased. I am quite alive and working. This is a very poor company that can not see dead people do not go to stores and buy appliances cut rate company very disappointed in XXXX.
Consumer complaint received 2020-07-08
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: PNC Bank N.A. (IN)

I currently have a PNC checking account that went into the negative yesterday so I decided to try the instant XXXX dollar sites. " XXXX, XXXX, and XXXX are the sizes I tried. I make it all the way to where you link your account and it repeately says PNC has prevented your account from being linked to any 3rd party apps. I called PNC and was told the 3rd party apps that I'm using use the same security company which is doing updates but I'd be able to manually enter my account info and it would work. This is not the case. I don't have that option so now my account was hit with an additional XXXX dollars when I could of had this fixed last night if I was able to link my account.
Consumer complaint received 2018-09-29
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: JPMORGAN CHASE & CO. (FL)

I open a new acct with chase bank the terms of the debit card overdraft protection was not explain to me clearly ... when I call in XXXX the lady apologized and removed fees then again I had money in my acct when I made three charges they are telling me because the charges didnt post until the next day my avail funds I had cover other immediate charges so I was charge overdraft fees for charges that was posted the next day they charge me XXXX dollars fee each for transactions that didnt posted until the next day ... they are no help they were rude and no apology and they didnt explain to me still clearly how it works and I need those fees to be removed.
Consumer complaint received 2020-12-01
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. (NY)

Fraudulent checks were cashed and paid out by my bank ( Chase ) that were intended to pay personal bills. The original check was dated XX/XX/2019 in the amount of {$250.00} intended for XXXX XXXX XXXX. Chase paid out of my personal checking account a check dated XX/XX/2019 in the amount of {$4900.00} to a person believed to have stolen the checks out of the mailbox. Another check was also forged and altered to payout to the same individual to the amount of around {$2000.00}. This charge was refunded by the bank. The first and larger check has not been refunded to this date. 

I have visited the local branch numerous times and have started claims with them multiple times that end no where. I have contacted the bank by phone multiple times regarding the ongoing case and have received very little help other than to wait longer and that the bank will get in contact with me. I have documented proof of all paperwork filed, signed, notarized that was sent to the bank, as well as copies of the fraudulent checks.
Consumer complaint received 2019-03-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: SUNTRUST BANKS, INC. (FL)

In XXXX, XXXX I secured a car loan with SunTrust, account number XXXX. The loan funds were then deposited into a SunTrust checking acct ( # XXXX ) with enrollment in XXXX. This was confusing as I had never seen such an arrangement before. I have had approximately 10 car loans over the years and this was different than any before. 

Two years later, I received an advertisement from SunTrust offering me a lower rate of interest for my car loan with SunTrust 's subsidiary, XXXX. I filled out the loan application online with XXXX and received the new loan account # XXXX. My monthly payments fell from {$670.00} to {$630.00}. I was thrilled. 

In XXXX, XXXX I received notice from SunTrust that the original loan, secured by checking account # XXXX, was overdrawn. I was out of town for the holiday and did not address this problem until XX/XX/XXXX. I have since spoken with multiple people at SunTrust and XXXX and Ive been told that it is my fault that I didnt pay off the first loan when XXXX sent {$29000.00} into that same checking account XXXX in XX/XX/XXXX. That account had still been paying back the original {$670.00} monthly and had run out of funds. I have been automatically sending {$630.00} to XXXX for almost four straight years. I believe there was a bookkeeping error by SunTrust/XXXX that happened when that {$29000.00} was sent to the checking account. 

I was told by representatives of XXXX that the USE OF PROCEEDS section on page two of my XXXX  seven-page document instructed me to use the proceeds for the purpose indicated by you in your application for this loan. I was never told my anyone online or on the telephone that I had to actively do anything to pay off the first loan. The companies offered me the loan reduction. I did not seek it. I was thrilled to pay less on a monthly basis, but I strongly feel that I shouldnt be punished with three more payments of {$670.00} for a loan that shouldnt even exist. I still have four payments of {$630.00} remaining with XXXX. 

I am stating that SunTrust and XXXX used unfair and deceptive practices. And when I wrote to the executive offices and had FIVE telephone calls with XXXX XXXX in XXXX 's exec offices, I was finally told they would do nothing.
Consumer complaint received 2020-11-25
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY (KY)

With this Company, the Bank and the auto dealer, again not behind but my auto was repossessed. The Judge sustained my motion as this was a per se case where i grouped together like companies, but all were contract matters. This financial institution had my auto repossessed because I contacted the Attorney General about the agreement of me waiting till they received their order for new XXXX. I believe if I had to contacted the Attorney General of Kentucky my auto would not have been taken. I was to receive a new auto which I wrote in on the contract. I traded in my old auto i believe it was a XXXX XXXX. I had about {$6000.00} in the Credit Union when this happened. This also was put on my credit report as not able to pay.
Consumer complaint received 2021-10-04
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: EQUIFAX, INC. (UT)

My credit reports randomly drop active creditors off my reports causing my credit score to negatively change. 

XXXX XXXX XXXX is in good standing and I want it reflected on ALL 3 credit bureaus
Consumer complaint received 2020-07-08
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: AFNI INC. (TX)

The below listed account has been removed from XXXX  and XXXX. However, it has not been removed from XXXX. 
General Account Info Report Number : XXXX Date Generated : XX/XX/XXXX Account NameAFNI, INC.

Account NumberXXXX Account TypeCollection ResponsibilityIndividual Date OpenedXX/XX/XXXX StatusCollection account. {$1400.00} past due as of XX/XX/XXXX. 
Status UpdatedXX/XX/XXXX Balance {$1400.00} Balance UpdatedXX/XX/XXXX Recent Payment $ XXXX  Monthly Payment {$0.00} Original Balance {$1400.00} Highest Balance {$0.00} Terms1 Months On Record UntilXX/XX/XXXX I have disputed this account on-going as the account is not my account. I have requested the creditors to investigate the source of the payments that were made to the account as I have NOT ever made payment to such account. My banking statements can prove this. I have been with the same banking institute for over a decade. 

From XXXX and XXXX I was in the XXXX XXXX, XXXX, XXXX, and XXXX. I have two expired passport booklets that will reflect my travels as well as time-stamped photographs. Moreover, I have one domicile, in which I have resided since XXXX. There was no need for any of the amenities listed in the below accounts as all were in my spouses name and furthermore, being abroad, the below amenities were null ; there was no need for these. I am more than willing to provide the above documentation of my whereabouts. 

Regards, XXXX XXXX XXXX
Consumer complaint received 2020-07-08
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Aspen Yo LLC (TX)

I contacted XXXX requesting refinancing for lower payments * XXXX instructed me to miss 3 payments for enrollment in a program called HAMP * I complied. In month three I was instructed my loan was sold and to await instructions as to on a ) who to make payments to b ) how much payments would be * After approximately 2 months I phoned XXXX, concerned about timely payments, and was told theyd phone and email me once they determined who my new lender was * I continued to save the payments and finally after approximately 3 months they notified me I would receive written notification via mail from Gregory Funding regarding : a ) who to make payments to b ) How much payments would be * Gregory Funding mailed notice to render a single payment which was equal to previous payments ( no refinance ) * I asked about refinance status and was advised I would have to render payments without an interest rate reduction until they reviewed my file * No amortization chart, notice of interest paid etc was received, in spite of my inquiry for over a year. 
* Note : I asked why my On Time mortgage payments were not sent to the credit bureau. They advised they were not required to, which negatively impacted my credit. 
( 1 ) Complaint # 1- Gregory Fundings accounting continues to increase the principal balance on the loan, although payments were made timely. To date, they have added in excess of {$30000.00} to my loan. 

( 2 ) Complaint # 2 Escrow Account Failure to Pay Taxes Gregory Funding has not paid my property taxes for XXXX as of XX/XX/XXXX, which has accrued delinquent fees, although they have funds within the account. 

( 3 ) Complaint # 3 - Gregory Funding renewed my Flood Insurance policy by replacing my name with theirs. I filed a claim for damages and Gregory Funding received payment intended to pay me for damages. I still do not have payment.
Consumer complaint received 2020-11-25
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. (MN)

The following inquiries appearing on my credit report are false/fraud. I have tried to call Equifax repeatedly and was unsuccessful as well as due to language barriers between agents and myself. The website continues to crash or not function. No credit was obtain due to these inquiries. I am requesting Equifax remove them IMMEDIATELY. I'm also a XX/XX/XXXX victim. 

XXXX XXXX XX/XX/XXXX Inquiry from XX/XX/XXXX XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XX/XX/XXXX, XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XX/XX/XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XXXX XXXX, XXXX XX/XX/XXXXXX/XX/XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXXXX/XX/XXXX
Consumer complaint received 2019-03-06
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: JPMORGAN CHASE & CO. (GA)

I got {$12000.00} in fraudulent transaction and my phone stolen. around XXXX of 2017. I contacted chase numerous times and reported the fraud twice. Both times they disagreed and said the fraud was valid. However the investigator XXXX XXXX made one call to me and didn't leave a voicemail. When I called back 3 times I could not reach him nor made any effort to reach back out as he needed more information yet no one told me what they needed aside from a receipt from XXXX showing I replaced the XXXX a few days after the incident. This is highly unacceptable and I'm also reporting this to the attorney general and local law enforcement. 

Denial reason : XX/XX/XXXX : additional documentation not received and having a relationship with XXXX. 

XX/XX/XXXX Submitted for review for a 3rd time.
Consumer complaint received 2021-09-01
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I have an entry on my credit file which doesn't belong to me with Equifax for a closed account with a high credit of {$2600.00}, opened on XX/XX/XXXX being reported by Dept of Ed/XXXX  ( account number XXXX ) on XX/XX/XXXX. I sent a dispute letter on XX/XX/XXXX challenging the accuracy, compliance and reportability of this entry. Equifax and Dept of Ed/XXXX has failed to provide me with copies of any documentation associated with this account, bearing my signature within the 30 days allotted to complete an investigation plus the extended 15-day period.
Consumer complaint received 2019-03-06
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: AES/PHEAA (FL)

in XX/XX/XXXX i had a major crises and XXXX placed my kids with my sister. i had a caseplan and i worked as quickly to remedy and get kids back. i was working raising a pre teen and an infant. at below poverty wage. i qualified vfor a pell grant.. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl. XXXX the school knew and promised me they'd get me my Pell Grant and convinced me to go ahead and enroll with these loans stafford and unstafford. i was not sure of there accredidation and repeatedly inquired as to transfer availability. a XXXX accredidation. upon first semester i hadnt gotten any counseling or notification to the pell grants i was to really get. i finished first term. second term i went only two weeks. into that term still no help with grant. no help from XXXX in helping me or protecting me. and found out through letters i sent out to various attorney firms that the legal community would not even recognise any degrees from XXXX colleges and not XXXX XXXX XXXX a XXXX school. i nwouldnt have obtained employment, nor were there credits transferable tko any state college or university. i dropped thge first two weeks of second term. i have been trying to get this loans discharged on many legal true factors. 1. inavailabilty to have benefitted based on above statements, 2. I have become XXXX. awarded fully favorable workers XXXX. long term. indefinately.3. the schools failure to honor my qualified pell grant and cease any loans based on a famikly low income wages program.4. the inability to be able to benefit and obtain employment in field. and the fact i would not have been able to transfer credits at all. the school later sold out to another school called XXXX university. and they went out of business too. it is now an empty building. can not get any records. this is causing my credit score to be bad. based on all factors especially XXXX i will never be able to pay. nor shoukd i. many have had these loans for this school discharged based on same reasons. school both times was a fraud. i can not acquire a better place to lkive and am XXXX i require a better accomidations. it hinders greatly my ability to do so. my credit poower is not good. i have repeatedly tried i only get yearly forebearances. now oinlky every 3 months. i have many legal arguments to have this totally discharged and need your help. through XXXX. or better yet XXXX  does total XXXX discharges. its very old and i need them to stop squeezing me into this fraud school attachments to follow