davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-06-02
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (CA)

My husband and I have become victims of fraud ( withdraws from our checking account not authorized by us ) and are looking to find out how we can get our money back. We were looking through our business account few months ago, and discovered fraudulent charges on our account using my husband 's debit card for purchases on XXXX. At first, the charges started out small at {$9.00} every couple days. Then they started charging in {$99.00} increments several times on the same day. One day there were XXXX charges for over {$450.00} and XXXX XXXX dollars within just a XXXX of days. We started adding each fraudulent transaction ( which began in XX/XX/2014 ) on every month 's bank statement and the total was shocking to say the least. It was over {$8100.00}. We called the bank and they refused to do anything saying we should have checked our statements more often. They said XXXX limits liability to XXXX days since the fraud began. We called XXXX and they advised us to call the bank and demand the return of our money since they were the ones who authorized the transactions in the first place. The bank says to call XXXX because they 're the ones who had the card registered in out XXXX account. Basically, after spending hours on the phone with both entities, we were getting the runaround and got no where. We realize time is of the essence here so we need your help asap! We googled XXXX debit card fraud online, and the number of people this has happened to was astonishing!
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: LEXISNEXIS (MI)

In summer of XXXX, I started repairing my credit and I noticed that Lexis Nexis was reporting some inaccurate information on my credit. Therefore, I reached out to Lexis Nexis looking to receive my report. Once received I noticed numerous amounts of false information was being reported on it. I then sent USPS certified letters with my notarized copy of my ID and ss card. They kept giving me the runaround and never did what I had asked within my rights of the law. I then reached out to CFPB regarding this on XX/XX/XXXX complaint number XXXX. They acted as if they were going to handle the situation but to no avail did they. I also showed a FTC report of ID theft from XX/XX/XXXX by report # XXXX. They still did not remove any of the information nor corrected my name. I recently wrote them again and all I receive is " fluff '' and no one has done their job. I'm getting frustrated with them and no one is holding them accountable. I received a packet saying they removed the harmful information but it's still being reported. I'm looking to contact the FCC, Michigan 's Attorney General 's Office, as well as litigating this to the full extent. I have researched and seen that they aren't XXXX accredited. They keep sending me in circles this is getting ridiculousI sent a dispute via USPS certified mail to Lexis Nexis asking them to update my personal information and remove all wrong names, old addresses, phone numbers, emails, etc.
Consumer complaint received 2020-06-26
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. (TX)

I filed a complaint with Equifax detailing that an account from XXXX XXXX  On XX/XX/2020 confirmation number : XXXX It found the account was not mine and said it will delete this didnt happen
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (VA)

Years ago, my wife and i created Experian accounts to freeze our credit. Now when we need to unfreeze our credit, experians online portal tells us to call their number ( XXXX ). However, Experians phone number is completely automated so the no way to contact anyone at the company. I spent XXXXhree hours trying to get to someone that can unlock the account so that the credit freeze can be temporarily lifted but no combination of numbers actually gets you to anyone at Experian. This is entirely unacceptable. At several points of the automated messaging, demands to speak to someone are met with I can only refer certain reasons to a representative. But no options actually get you there, I tried. So XXXX cant login to manage my freeze and I cant get anyone at the company to fix the account because Experian doesnt let you actually reach them. Considering I am forced to used Experian as a credit bureau, a direct line to a human should be immediately available. The other reporting agencies are not this hard to reach.
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AZ)

In accordance with the Fair Credit Reporting Act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : ACCOUNT NAME ACCT # XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX # XXXX 15 U.S.C. 1681 section 602 A. States I have a right to privacy.

15 U.S.C. 1681 section 604 A 2 : It also states a consumer Reporting agency can not furnish an 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 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (IL)

My loan was serviced by Nelnet briefly. It was then transferred to XXXX for servicing and eventually the balance of the loan was forgiven under the federal governments public service loan forgiveness program resulting in a zero balance. Nelnet is falsely still reporting the account as if they have the account and more significantly is reporting a balance when there is no balance. I owe zero yet nelnet is falsely claiming that i owe over {$110000.00}. They are also falsely reporting this account as open when that is also a lie. Nelnets own website shows the loan paid off.
Consumer complaint received 2024-02-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (TN)

There is a debt collection company by the name of I.C. SYSTEM INC who parked a debt on my consumer report without ever contacting or notifying me. I, XXXX XXXX do not know where this debt came from. This company is neither licensed to collect in the state of GEORGIA and in the state of TENNESSEE. They have violated my rights because I was never given the opportunity to dispute the debt, I did not receive any disclosures, and they are damaging my reputation. A violation per 15 USC 1692e ( 10 ) and 15 USC 1692d ( 1 ). This company is also violating the FCRA and FDCPA by implying that the account is from an attorney. This is a violation per 15 USC 1692e ( 3 ). This is deceptive and abusive behavior.
Consumer complaint received 2015-07-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (FL)

I have been trying diligently to get a loan modification for the past 3 months. I have a sale date on XX/XX/XXXX. Chase tells me my loan specialist is a person name XXXX XXXX, but I have never spoke to him since I began a modification. I have submitted all necessary paperwork and followed up on a weekly basis to make sure chase has all paper work necessary for a review and to see how the modification is progressing. Chase is stalling me and I believe its because they have a sale date and by stalling until the sale date then they will not have to modify me. also they are telling me they need my child support paper needs to be physically signed by the judge. In XXXX county florida, the judges provide a true copy and do not always sign. I have explained this multiple times to Chase and they will not accept my child support paperwork. What does signed paperwork from a judge have to do with my ability to pay my loan. I have also provided several bank statements showing the direct deposit of my child support which should suffice. I spoke to the " escalation dept '' today and spoke to a XXXX XXXX who is going to ask that I be reassigned to a different loan specialist because of his failure to communicate with me.
Consumer complaint received 2024-04-12
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (CA)

Resurgent Capital Services has been attempting to collect {$1500.00} from me. In XXXX or XX/XX/2024, I submitted a written request for verification of the debt. On XX/XX/2024, I received a reply from Resurgent that included an " account summary which provides verification of debt. '' The account summary they provided is a credit card statement from my original creditor ( XXXX XXXX XXXX  ) that only has a balance of {$69.00}. This erroneous debt has been on my credit report for an extended period and has potentially affected my ability to secure credit, such as an auto loan, or secure rental housing.
Consumer complaint received 2024-04-29
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (NM)

REFERENCE # XXXX. CITI. XX/XX/year> I RECEIVED A LETTER ADDRESSED TO MY FORMER NAME. 

I called the number indicated in the letter to voice my concern that someone applied for credit without my consent. They verified that there were no open credit card accounts under the name in the letter.
Consumer complaint received 2023-04-02
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: EQUIFAX, INC. (DC)

The consumer reporting agencies has fail to fulfill their vital role to ensure that my consumer report. is fair and accurate to me as the consumer. I have not given none of these furnishers or consumer reporting agencies MY WRITTEN CONSENT to furnish this information on my consumer report. I have a right to privacy in which are being deprived of at the moment.
Consumer complaint received 2020-05-01
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: DISCOVER BANK (CO)

Someone hacked into my Discover credit card account on XX/XX/2019 and made a transfer of {$8400.00} to a XXXX Bank account XXXX in MN. Discover added a transfer fee of {$330.00} to bring the total to {$8700.00}. 
I reported the fraud to Discover Security in late XX/XX/2019. They called me saying that I had verbally approved the transfer so no fraud occurred. Not recalling me doing this I asked them to text me the recording of the call, but they refused, saying it was propriety information, needing a subpoena. 
I filed a fraud report to the Internet Fraud unit of the local XXXX XXXX department. The investigator contacted Discover Security who told the same story that I approved the transfer, so no fraud occurred, so no crime to investigate. 
I filed a complaint with the Internet Crime unit of the FBI in XXXX, and have never had a reply or response. 
Neither XXXX XXXX or Discover Security found out what XXXX Bank account holder received the transfer to get it back, or who hacked into my credit card account, nor did they try. 
Discover focused solely on blaming me ( without disclosing evidence ) and refused to credit the fraud amount to my credit account.
Consumer complaint received 2024-05-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc. (IL)

I have sent this Company a Cease and Desist due to them using unfair, deceptive, extortionate, and unlawful means to attempt collecting an alleged debt. This account was disputed in XX/XX/XXXX, and they were given a direct refusal to pay. To date, they have not provided anything that suggests or proves that I am responsible to pay them. 
Company continues to be willfully negligent by refusing to adhere to federal guidelines that govern them and protect me, the Consumer. 
Company has violated my Consumer rights by ignoring my attempts to resolve this matter. I have advised that per Federal law, no one can validate a debt except for the Consumer in which it relates to. I have disputed and refused to pay this account, more than once.

The Company claims to be a Debt Collection Agency, yet they do not appear to be licensed and bonded to collect in the state of Illinois. I spoke with Manager XXXX, on XX/XX/XXXX and she argued that she refuses to cease collection activity. 
Please have this Company cease all collection activities, as this is my final attempt to rectify outside of court.
Consumer complaint received 2016-09-02
Product: Credit card — 
Issue: Transaction issue — 
Company: DISCOVER BANK (CA)

We filed a dispute to a charge by a contractor/merchant who turned out to be an unlicensed contractor in the state of California. This contractor did not complete the work and caused significant damage. We asked the contractor to finish the work but they did not. We filed a complaint with the CA State Contractor Licensing Board, and also disputed a part of the charges with Discover. 

Discover would allow us to dispute only one of the many charges and denied that there was another charge. Then discover failed to investigate or make any effort and closed the case in favor of the merchant. We asked them why they closed the case, they said they needed more information and as asked them why they would not ask us for more information. They said to send them the information right away which we did. 

However, to date they failed to review the documents we sent and failed to apply a temporary credit as they promised they would do.
Consumer complaint received 2024-05-02
Product: Vehicle loan or lease — Lease
Issue: Repossession — Deficiency balance after repossession
Company: HYUNDAI CAPITAL AMERICA (TX)

I request an immediate call back from Hyundai Motor Finance as they owe me {$7200.00} for the sale of my car that was auctioned and a refund for unused gap insurance. On XX/XX/XXXX - I received a letter from Hyundai stating that my car was deemed a total loss. On XX/XX/XXXX - XXXX received a letter from Hyundai stating that the car would be auctioned and the balance I owed would be reduced based on what it is sold - I have yet to receive this refund of the car sale. As of XX/XX/XXXX - I was told I was owed {$7200.00} for the sale of the car and unused gap insurance. It's been months without seeing this refund and I need to escalate to someone who can review the entire case. 

All my monthly payments that were due up to XX/XX/XXXX were also paid on time and in advance. I paid off my outstanding balance on XX/XX/XXXX of {$25000.00}. 

On XX/XX/XXXX the car was auctioned off and I have yet to receive this refund as noted in the XX/XX/XXXX letter that Hyundai sent to me. As clarified on emails and calls to Hyundai since XX/XX/XXXX- the insurance at fault has not responded to total loss claims and this is being handled separately by a lawsuit. Since this might take years to resolved- I paid out my balance to Hyundai and I am expecting refunds to be released by Hyundai as noted in their letters. 

In addition, Hyundai filed negative derogatory marks on my credit score for repossession and late payments. XXXX from the Hyundai 's XXXX Department has yet to respond in writing to my email that was sent on XX/XX/XXXX. 

Attached is documentation received from Hyundai, payments made to Hyundai to date, and a copy of the lawsuit against driver and insurance that hit my vehicle. 

As noted in Hyundai 's letters, I would expect a price adjustment for the sell of the car. To date, Hyundai owes me {$7200.00} for the sale of my car that was auctioned and a refund for unused gap insurance. I am also requesting that all negative derogatory marks are removed from my credit scores.
Consumer complaint received 2024-05-06
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Ability Recovery Services, LLC (NV)

During my Time in the XXXX XXXX  XXXX XXXX my daughter XXXX XXXX was transferred over to the hospital via XXXX XXXX. I was 100 % covered through XXXX and this would of been covered by XXXX IF THE XXXX XXXX COMPANY had made an effort to contact my insurance provider or informed me of this bill. I was covered at this time, and had absolutely no reason to not pay for this! 

The original creditor is XXXX XXXX XXXXI owe a balance of {$4300.00}. 
The incident happened around XXXX. ( never billed for this! / Nor notified ) The debt agency that had my collection originally went bankrupt. So we never once got told about this. I only found out about my collection until it showed up on my report almost 6 years later! XX/XX/XXXX! 

The information provided by the debt collectors is all wrong. They spelt my daughters name wrong, they spelt my name wrong and they had incorrect reporting information.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

Experian is showing a student loan account balance with XXXX for $ XXXX. The account was transferred to XXXX. XXXX reports a zero balance. I have submitted numerous disputes to Experian to no avail.
Consumer complaint received 2017-01-08
Product: Credit card — 
Issue: Billing disputes — 
Company: U.S. BANCORP (IL)

I made a payment but when I asked the representative what the past due was she told m, I was told I had the XX/XX/XXXX payment but I actually had XX/XX/XXXX and XX/XX/XXXX {$240.00} but it {$400.00}. I talked to a supervisor about and he did waive XXXX late fees for me but now I have XXXX credit marks with Elan Financial, I advised the supervisor that I am dealing with fraud, someone emptied my checking account and I am waiting for the bank to put all of that money back, I keep getting asked why the account even though I talked to the supervisor and he states he would note the account. One of the reps lied and said I did not want to make a payment but I advised I was at work and just needed to change the date on my payment. She kept asking about other payment arrangements. I advised I was at work at twice and I did not wish to bring any personal issues at work. I want the credit marks removed and to be put on a pay plan. I am dealing with fraud but Elan did this to me before and I should have the credit marks removed due to misinformation that was given about my payment. This is not my fault and the rep should have given the rght information or ask someone if she was not sure because I clearly asked what was owed,
Consumer complaint received 2017-01-23
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Southern Management Systems Inc. (FL)

I am a student attending to XXXX and leased an apartment for a year from XXXX XXXX, XXXX XXXX to XXXX XXXX made all the payments and gave notice of non renewal in advance. Inspection was done on XXXX XXXX and the administration office advice me of everything been clear when I turned the key. 
I check my credit report about a week ago and find a surprising collection for {$100.00} that I do not owe.
Consumer complaint received 2024-02-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (WA)

I tried reaching out to Aidvantage today XX/XX/XXXX and after entering the last four of my Social Security number as prompted, the messaging received was that the office was closed. Their hours on the document provided shows they close at XXXX PST and XXXX EST. This shows that Aidvantage wasn't closed, and that is dishonest, the system still does not recognize my information as of XX/XX/XXXX. To this date I have not received any correspondences via mail or email other than payment reminders via email. Additionally, I'm also providing the sign-in from the website as it would not let me login as it did not recognize my information. 
Also, I have a case with the federal student aid, and I communicated with them today as the case is still open. 
The number listed below is the same number on Aidvantage 's website and confirmed accurate by Federal student aid. 
Nevertheless, Aidvantage lied to the XXXX State Attorney General 's Office by stating I logged into the system XX/XX/XXXX, however no definitive date was given as XXXX was still the loan servicer until the end of XXXX. The welcome email from Aidvantage shows XX/XX/XXXX.
Consumer complaint received 2024-05-06
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (CA)

I had extremely awful experiences with AMEX the team members like XXXX, one of the floor supervisors and XXXX, who attacked me as I tried to explain the situation. I was requesting a partial refund for my platinum card as I only used it 2 months out of the year. The platinum card that I am requesting for a full refund or partial is the card ending XXXX. I am being charged for a full service of membership even though I only received 2 months worth. I tried reinstating but nothing worked. I am requesting a refund. Thank you. I am requesting the company to reinstate my account or partial refund which they did not provide and closed my previous report.
Consumer complaint received 2024-04-24
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (SC)

I am a customer in good standing with very good credit. Having received XXXX  XXXX  plans from Citi before at good rates ( XXXX & 6.99 % ), I applied for another XXXX XXXX  for {$3100.00} to cover dental expenses. This time, instead of giving the interest rate, Citi gave me a per month fee. Because they have given me good rates before and because I have good credit/good payment record, I assumed that they were charging me a favorable rate for borrowing money. Later, I did the math and if the fee charge was converted into an interest rate it would be about 20 %. I feel this fee presentation is a scheme to cover up a high interest rate. This is not transparent, honest, or ethical. It is predatory.