davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-13
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. (WA)

I made a purchase for some plants online from XXXX XXXXXXXX. I did not receive plants and instead received twigs and sticks and broken pieces of leaves. I complained to the company about this but they insisted they would resolve it. Very few of the items grew. When I asked for replacements, the company refused despite their warranty. I later found they have a track record of not sending what is ordered and not honoring their warranty. I then contacted Chase for assistance and provided documentation. 

Chase has been going back and forth with me on this. I have submitted a variety of documentation and spoken with several representatives. Despite the warranty that was provided to Chase, they want expert testimony about the fitness of the plants. This is a {$230.00} transaction for plants from my yard. I doubt an expert would get into this and it would certainly cost more than the transaction. 

There is a warranty. I provided a copy of it. The merchant provided a copy of it. It is clear that the merchant is not following their warranty. The merchant did not provide the merchandise I ordered. It was not as described. The merchandise did not perform as warranties and described. There are several reasons for this transition to be refunded. Chase is supposed to provide protections for customer who do not receive what they ordered and when merchants do not follow there warranties. I have provided tons of documentation about this. 

What good is a warranty or credit card protections if no one will uphold them? What is the point? I should not have to pay for something that was not as described. And if Chase will not follow its own card agreement, then there should be consumer protections.
Consumer complaint received 2022-07-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (RI)

I signed up for a Chase XXXX card using the link for XXXX bonus XXXX miles after XXXX in spending and another XXXX pts after spending XXXX. I am very particular about the credit card rewards I sign up for. I used the Chase link for this rewards program. They shifted me into a different less meaningful card bonus program -- which I never would have signed up for. 
XX/XX/XXXX signed up for card Early XXXX -reached XXXX in spending. 
Inquired about bonus they told me to wait XXXX weeks. 
XX/XX/XXXX - XXXX weeks later they told me I did not apply for that card bonus. 
Refused to give bonus points after I satisfied all requirement. 
Bait and switch. 
I know exactly what card I signed up for - I dont even know what offer they are talking about.
Consumer complaint received 2020-05-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aldous & Associates, PLLC (CA)

I tried to explain that the person they are calling and sending letters to is a minor and wanted additional information about the validity of the debt and next steps. The gentleman in question spoke down to me rudely, and ended the call while I was still speaking. When I called back, the next person was also rude and didn't explain the situation very well. I asked for a supervisor to clear things up, and was put on an endless hold before the call terminated abruptly, with no one coming back on the line. The account number in question is XXXX. Again, the person on this account is a MINOR.
Consumer complaint received 2020-05-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

Capital One will not grant me access to my account online. I've been able to verify my identity through multiple processes, but not the processes they prefer. The sytem is to strict for people traveling to access if they get locked out.
Consumer complaint received 2022-07-01
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC. (SC)

I contacted Ally Financial in XX/XX/2022 regarding an auto loan I was unable to pay after falling ill to XXXX and being without pay for 3 months. They agreed to accept 1 payment immediately and allow me to pay extra for a couple months to catch up. But after taking the payment by phone they continued to bill me normally which resulted in me falling even further behind. It's disheartening to have these guys misrepresent what they're willing to do in order to get a payment and makes trusting anything they say very difficult. They've now reposessed the vehicle without providing me with the required Notice of Right to Cure or the Notice of Right to Redeem. I've contacted them and they've been completely uncooperative, and misleading, with one Agent in the Redemption Department telling me that he wasn't allowed to provide his full name ( XXXX ) or allow me to speak with a Superviror, and that my only option for getting my car back was to pay the full amount past due as well as late fees and that I'd have to pay the company that reposessed the car. These charges have stacked up to over {$4000.00} total. XXXX assured me that that is Ally 's policy and that they have no program to assist customers having these sort of issues. With times being so difficult on everyone, and the Federal Government helping U.S. Companies, including Ally, I find it difficult to believe that Ally would be so abrasive and hostile towards customers and refuse to help.
Consumer complaint received 2020-05-08
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 


INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020
Consumer complaint received 2022-07-01
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: EQUIFAX, INC. (CA)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. According to the Fair Credit Reporting Act, section 609 ( a ) ( 1 ) ( A ) you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail, or email in a fraudulent account. I demand to see verifiable proof, an original consumer contract with my signature on it, that you have on file for the accounts listed below. If you do not do this, I demand that the following accounts be verified or removed immediately from all 3 credit reports, XXXX account no. is XXXX... 
XXXX  account no. is XXXX .... 
XXXX  account no. is XXXX .... 
XXXX XXXX account no. is XXXX .... 
XXXX XXXX account no. is XXXX ....
Consumer complaint received 2021-10-15
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: U.S. BANCORP (OR)

To whom it may concern : I received a letter from USBank ( please see attachment ) that states that USBANK sold or transferred my FHA home mortgage to themselves, US Bank. It looks like potential fragelent activity. Potentially US Bank trying to change original terms of FHA loan, or something els of that meter. Also it could be that US Bank trying to increase amount of fund they are actually have on their books for some strange reason. It feels like it is highly likely illegal but I don't know. Kindly please investigate this situation. Thank you
Consumer complaint received 2020-05-08
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (NJ)

SLS - Specialized Loan Services - a XXXX XXXX lender served me with foreclosure paperwork dated XX/XX/2020. Ive been advised that the CARES act stops foreclosures after XX/XX/2020 until XX/XX/2020.
Consumer complaint received 2022-07-01
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio (TX)

A company by the name of Vance and HUFFMAN , LLC contacted my family by phone and never sent me any correspondence personally to my current address on file and informed me that I owed {$300.00} in unpaid debt. I am unaware of this debt or the account to which it is linked. The account is fraudulent, and Im placing a fraud alert on my credit report as a result of things appearing in my name that I'm not aware of. This collector has been harassing my family about this account for weeks, but havent reached out to me personally. I've already stated that I do not know the account in question, nor did I open or operate it. Please help me with this because I've never owned or operated the account they're looking for. They are stating that they contacting on behalf of XXXX XXXX but I've reached out to XXXX XXXX countless times about the account in question and reported to them numerous times that the account is fraudulent and that the account is operated does not belong to me also that it is a fraudulent account and my notifications were ignored countless times.They are contacting family members and using aggressive language and verbiage they never reached out to me by mail. Im seeking debt validation
Consumer complaint received 2022-05-19
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. (TX)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, account # XXXX, XXXX XXXX, account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, and XXXX XXXX account # XXXX have all violated my rights. 

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 an account without my written instructions.
Consumer complaint received 2020-05-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY (ME)

AMEX Removed my {$50000.00} credit limit and put me on Monthly Full Balance payments on XX/XX/XXXX. I have been a Platinum Member for 19 years with an excellent payment history. I Went to my statement to extend my Balance over time to give me some help during Covid Lockdown and learned of this change to my account. AMEX customer support could not tell me why but I subsequently found an email in my junk folder telling me of the change. Due to a change in my credit report. How is this legal? Pull my only access to short term credit ; in the middle of a lockdown ; with a Stellar Payment history ; WITH AMERICAN Express! Happy to pocket the profits for 19 years! Im sure the answer I get is : Sorry ; they are a private Co and could do what they want! Just once ; maybe do the right thing!!!
Consumer complaint received 2020-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (PA)

Im trying desperately to fix my credit score. Im a XXXX  veteran trying to finally buy a house of my own. 
When I was XXXX I took out some loans to go to school but made a mess of it. I got into debt, had no job and came from a low income family. 
So, back in 1997, these things were sent to a collection agency and reported on my credit report. 23 years later, they are still being reported. Whatever companies have my debt, they are illegally finding ways to continue to report these things all these years later. 
When I called the credit reporting companies, XXXX  and XXXX XXXX, the reps merely took the word of the collection agencies, didnt even look into my initial date of delinquency, and told me that the accounts were reported more recently. The reps clearly didnt understand the difference between when the account first opened and when it is reported. I understand that the ONLY thing that matters to credit age is the first delinquency and apparently the companies simply disregard that and are in step with the collectors. 
I am currently disputing these reports but have little faith in the representatives that I spoke to in the phone.
Consumer complaint received 2022-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MS)

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Consumer complaint received 2020-05-08
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (PA)

In XX/XX/2019 we purchased a home. Shortly after the time of purchase we provided a letter of tax exemption to the mortgage company as well as the county, school and township. My husband is a XXXX Veteran and receives 100 % tax deduction granted per the VA. We are were aware that until everyone was notified that we would have to pay the taxes on the property. After a few months we called Caliber Mortgage and reminded them of the tax exemption and that we were awaiting the return of tax money paid on the property. Since then we have called at least once a month. Each time the response is they have to do a 21 day escrow analysis in order to see if the money should be returned to us. Caliber Mortgage has also made an attempt to pay the county taxes even after being notified of the tax exemption. The county has since stated they are returning the funds to Caliber Mortgage. Yet Caliber mortgage still says we have to wait for yet another 21 day analysis to return any funds. We have been paying our mortgage on time monthly which includes taxes that we are exempt from without fail. We would like our refund and to no longer be billed for the taxes on the property.
Consumer complaint received 2020-05-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TD BANK US HOLDING COMPANY (FL)

Total loss on the vehicle XX/XX/XXXX. Process getting loan paid in full was completed on XX/XX/XXXX. The account has a {$610.00} overage because we kept making payments from the time of the accident to the closing of the account. TD Autofinance indicates overage are returned within 30 days of closing the account. As of today ( XXXX ) we have not received a refund. We have contacted TD Autofinance several times by email and phone ; they either promise to take care or just reply with some scripted answer that got nothing to do with the refund. On XX/XX/XXXX we spoke with them on the phone ; they said " your check was mailed already on XX/XX/XXXX, you should be about to get it ''. However, on XX/XX/XXXX they reply to an email sent prior to the call ; it indicated account was being sent to their cashier department for them to issue a payment.
Consumer complaint received 2020-05-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (VA)

I have repeatedly disputed the MIDLAND CREDIT MANAGEMEN attempted debt collection of {$710.00} on a XXXX XXXX XXXX XXXX. account. I have no knowledge of this account and believe it was opened fraudulently by an ex-spouse. The collections account shows charge-offs starting in XX/XX/XXXX and each time I've disputed the account ; I receive the same answer " Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). Re-investigation Information : This item was updated from our processing of your dispute in XX/XX/XXXX. ". This account is not mine and I've never used this account or obtained any gains from this account. I have also never received a statement or have any other knowledge on the nature of the account.
Consumer complaint received 2022-06-30
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: LEXISNEXIS (GA)

XX/XX/2022, I sent a letter to the courthouse confirming if bankruptcies get reported to the credit bureaus and I got a letter stating They do not report any bankruptcies to the credit bureaus. So if thats the case, how did the credit bureaus verify my bankruptcy as 100 % accurate? They never did a fair investigation according to the:15 USC 1681 .

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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.

According to : 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 2022-06-30
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: EQUIFAX, INC. (GA)

XX/XX/2022, I sent a letter to the courthouse confirming if bankruptcies get reported to the credit bureaus and I got a letter stating They do not report any bankruptcies to the credit bureaus. So if thats the case, how did the credit bureaus verify my bankruptcy as 100 % accurate? They never did a fair investigation according to the:15 USC 1681 .

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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.

According to : 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 2022-06-30
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: EQUIFAX, INC. (NV)

My mortgage loan account credit reporting is reporting the mortgage account as " An Account With Adverse Information ''. My understanding is that this is inconsistent with the CARES Act. I have recently modified my VA mortgage after Covid-deferment and mortgage modification. I have fulfilled my obligations every step of the way. I have made the last four principal & interest payments early. This is not showing on my credit reports even though I have uploaded proof. My understanding is that the VA is behind on their paperwork and they owe my mortgage company a check for {$9800.00}. Well & good, but it isn't appropriate for there to be negative information on my credit report on that basis. Put the negative information on the VA 's credit report, by gum. Please see my uploaded and / or US Posted documentation which I have long since provided to the credit reporting bureaux. I am in process of restructuring my insolvent finances, so this incorrect credit reporting, which dropped my scores by about 150 points, could literally have life & death effects on me. So please do hurry to do that which will restore my credit reports. Thank you, yours sincerely, XXXX...