davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc. (TX)

Creditor is reporting accounts that are invalid and unverified. XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.
Consumer complaint received 2018-12-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (PA)

On XX/XX/XXXX I called into Chase Credit Card to make a payment on my account ending in XXXX. The bill was a small amount but several months due to Hurricane hitting down south where my brother lives and my mother was staying. My mother subsequently became ill due to the stress of the damage and having to return back home to NJ and I did not pay attention to my bills. The total amount due was originally {$200.00} and the representative offered to remove the late fees so the balance paid was {$120.00}. I asked the representative if all was well with card and she said to wait 24 hours to allow payment to process and all should be fine. She said my available credit was {$20000.00}. I also inquired about my XXXX bonus points and she said I could also start redeeming them after the first 24 hours. This morning I went to XXXX and was declined a {$23.00} charge. I called Chase and they told me card was closed and I no longer have the XXXX points which have a {$550.00} value. So they in essence stole the money. I asked to speak to a supervisor who just said it was policy and had no interest in reviewing notes on my account. I also asked that the recordings of my conversation be pulled to verify my statements. I have been a Chase card holder since XXXX. They need to be held accountable.
Consumer complaint received 2018-12-03
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (FL)

I just found out that Synchrony bank has been charging me {$10.00} a month on a card I've had with them since XXXX of 2015. 

For the last six months I had been wondering why I couldn't get my balance to go down. I thought maybe I had a subscription to something that I didn't realize I had subscribed to, so I cancelled the card. I was still getting these fees and not understanding where it came from. I messaged someone on the live chat. They told me I signed up for it, what it was, and why it's been there. I reacted in a very shocked manner because I really couldn't believe eyes. 

Keep in mind I'm a XXXX year old attending XXXX  full time. 

I messaged XXXX on the secure messaging system, as well as the live chat, as well as emailing synchrony and XXXX. Nobody would help me and the live chat employee told me to call a number to have them cancel and refund me. XXXX. 

I called and after being on hold for 20 minutes, the CSR answers and of course, tried to give me the run around. At this point I was furious. I kept telling her " I did NOT sign up for this, and I was NOT aware of it. I need you to cancel it and give me a refund '' I was told I'd be refunded {$360.00} ( Out of my {$610.00} total, meaning I had only accrued {$250.00} on this credit card myself. ) I never received the {$360.00} refund. 

This " optional '' security fee that nobody is informed of, ended up costing me over half of my balance. Why would I pay for something that would get rid of my debt in the event of " losing my job '', when it costs over double what my actual balance is??? THAT MAKES NO SENSE. 

This is a SCAM and it is deplorable.
Consumer complaint received 2018-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Freedom Mortgage Company (IL)

My husband and I had a VA mortgage through Freedom Mortgage from XX/XX/XXXX until XX/XX/XXXX. We were in the process of selling our home in XX/XX/XXXX. We closed on our house on XX/XX/XXXX. The title company was in possession of the payoff check and was responsible for disseminating the check to the mortgage company. Due to having to pay {$10000.00} to sell our house, we were unable to make the mortgage payment for the month of XX/XX/XXXX. Since we closed on XX/XX/XXXX, the payoff was sent to the company within the 30 days. The mortgage company decided that they would place a 30 day late payment mark on our credit report, regardless. The method of disseminating the payment to the company is not in our control and due to the company 's business hours, they claim they did not receive the payment until XX/XX/XXXX. My husband called and talked with a representative that was very rude to him and insisted that we should have a thorough knowledge of the mortgage business. I attempted to resolve with the company through a phone call and the XXXX, but the company insists that they have recorded calls from a week before the closing date, but none of the calls after. I even talked with the company on XX/XX/XXXX and informed them that we had closed, but they state they do not have that recording either. We had a perfect payment history with the company and are offended in their treatment of veterans when a situation is out of our control. We did everything possible to get the payment to them before the end of the month and are not responsible for their business hours or the actions of the title company. We would like them to amend our credit report.
Consumer complaint received 2018-12-03
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: JTM Capital Management, LLC (CA)

On XX/XX/2018 - I received a robo call from the debt collection company identifying as XXXX although XXXX appears to have sold the debt to JTM Capital Management , LLC and would be handling the matter as of XX/XX/2018. XXXX claims to have received my information on XX/XX/2018. After following the prompts and trying to figure out why I was being called, the representative XXXX called and told me to " cut the attitude '' mind you, this is an unsolicited call to my job by people trying to verify who I am but called me. She was rude and said ( since I have an attitude ) " blah, blah, blah, we'll just continue to call you at work! '' She then hung up on me, called back from a blocked number and just proceeded to breath into the phone and not say anything. This is in direct violation of 15 USC 1692d Sec. 806 ( 5 ) of the FDCPA. I called the number from the initial phone call XXXX and spoke with XXXX XXXX, who told me to " focus and get back to the basics '' she said JTM was seeking a judgement against me and they were trying to settle the debt. I have received no correspondence from JTM indicated there is a judgement. I explained to XXXX that I am aware of my rights and work for a law firm and the sheer fact that she is mentioning a judgement ( without an actual judgment in place ) is in violation of the 15 USC 1692e Section 807 ( 13 ), which states " the false representation or implication that documents are legal process. '' She stated " it's not harassing, I've been a debt collector for 16 years. How long have you been a debt collector? '' At that point, I had enough of the harassment and hung up.
Consumer complaint received 2018-12-03
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: Experian Information Solutions Inc. (CA)

I am a victim of Identity theft, I sent this company all the evidence that they needed to prove that I am a victim of identity theft and that accounts were fraudulently opened without my consent or authorization, I did not benefit with anything from this accounts opening, neither do I know who fraudulently opened this account. I sent this account my dispute on XXXX but Until now, Nothing has been deleted. 

For YET another time, this account is fraudulent and I need deleting from my report ile asap : XXXX XXXX XXXX Account REF # XXXX, Original Balance {$7000.00}, Date Opened XXXX I am looking at filing a lawsuit against this company if they continue to ignore my disputes and remove this fraudulently opened account from my credit report. 
I have enclosed herewith 1. Identity Theft Report 2. Proof of identity 3. Section 605B of the Fair Credit Reporting Act 4. dispute letter
Consumer complaint received 2018-12-03
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. (PA)

On XX/XX/2018, I received a notification that a hard inquiry had been added to my Equifax credit report. Upon checking the origin of the inquiry, it was noted that XXXX XXXX ( Telephone Companies ) was the creditor making such inquiry. I not authorize an inquiry to my credit report, I have not in the past or in the present, had any association of services with XXXX, nor have I made any inqiuiries for their services, been contacted by any representative of XXXX or received any solicitations for their services. I immediately filed an on-line dispute with Equifax and received an error message to contact them regarding the results of their investigation. Equifax did place a fraud alert on my report that is to flow across to the other credit reporting agencies, but noted I would need to contact XXXX to have the inquiry removed from my report since only the creditor could authorize it's removal.. 

I've spent the better part of 3 days making numerous phone calls to XXXX in an attempt to speak with someon who could direct or assist. me to the proper deopartment and authorize removal of this inquiry. Dozens of calls to several of XXXX ' published customer assistance phone numbers continually placed me in an electronic holding pattern, one time for ( 3 ) hours with a recording that all representatives were currently busy assisting other customers. Of the dozens of calls made, only twice did I finally get a live person ( one in the credit department and another in wireless services department ) neither of whom could assist me because it wasn't within the scope of their departments ability. Both suggested I contact the credit reporting agency and dispute the issue with them and request the inquiry be removed. Both provided a phone number to the Wireless Services Fraud Department that again, kept placing me on hold without answer. 

I've been repeatedly attempting to contact the XXXX XXXX Fraud department ( as directed ) at the phone number provided by the Customer Service Representatives only to go on hold for extensively long periods oftime. To this date, I still haven't spoken with anyone that can actually assist to correct this issue. 

As a consumer, I'm deeply concerned about the ease of which this fraudulent and unauthorized inquiry could be made to my credit report and correspondingly personal and private information. This is the second unauthorized, unsolicited inquiry made within two years. The same lack of assistance and remediation existed in that incident too. I'm concerned about the lack of responsibility and assistance I've been experiencing to remedy this matter, remove the hard inquiry from my report and prevent further potential issues against my reportable credit status.
Consumer complaint received 2018-12-03
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: JPMORGAN CHASE & CO. (FL)

Hello, I have had a car loan with JPMorgan Chase which I paid in full and you sent me a letter certifying so on XXXX-18. Still the dmv of XXXX XXXX in fl says Chase didn't release the electronic lien and so I can't get my title and sale my car. I have been calling every week for months now and every time I am told by Chase that they released it and every time the dmv says that CHase didn't. I even went to the dmv with the letter but they say they can't do anything until chase release the ELECTRONIC LIEN WITH XXXX  FL!!! 
TEN TIMES i CALLED AND i AM TOLD THE SAME THING AND Chase NEVER DOES ANYTHING. I paid my loan and now Chase doesn't release the lien, you won't catch me doing another car loan or any loan with chase and I will make sure any friend knows how badly you treat your customers!!!! 
Please help me fix this situation. All Chase has to do the dmv says is uncheck a little box and it's done but apparently that's too hard for chase. It's not fair as I paid faithfully without missing one payment for years and now they won't let me have what is rightfully mine and paid for, the title to my car. 
many thanks XXXX
Consumer complaint received 2018-12-03
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica (NY)

I use XXXX XXXXs debit card to receive my Social Security XXXX benefits. 
Today I found my money is being taking by somebody else in severals ATM transactions since the money was deposited on XX/XX/2018. 
I have tried to contact the XXXX  XXXX costumer service all day and is being impossible. 
I also tried to use the " option '' of reporting theft, lost or stolen card from the menu by pressing a key but the system ignores that and keep sending me back to principal menu. 
I went Online and read the " reviews '' and complaints written by many other costumers who described exactly what just happened to me. 
I do believe there has to be something very wrong about this company. It just feels like if they were " working with the scammers ''
Consumer complaint received 2018-12-03
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XX/XX/18, I opened a Capital One Money Market Savings account that had a bonus offer of XXXX after depositing a total of XXXX by XXXX XXXX.  I made 4 seperate deposits of : XXXX, XXXX, XXXX, XXXX, by XXXX XXXX.  The terms stated that the bonus would be posted by 60 days after the XXXX total had been met, and the bonus still has not been posted. When i contacted capital one, I was told the the XXXX had to be deposited at one time, which is not stated at all in the terms.
Consumer complaint received 2024-11-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2018-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

i have disputed a item on my credit report that is not my account also during my disputed all three credit bureau has violated many laws of the Fair Credit Reporting Act i also have sent a disputed letter to the creditor and i receive a letter stating that they no longer has ownership to this account but the credit bureau is reporting under the creditor name.
Consumer complaint received 2018-07-25
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (MI)

I owe child support which I have been paying out of XXXX XXXX. Plus I have been paying past due which they put into collection. Doesn't make sense that I'm paying it off, but it's not showing which is what michigan FOC is making me pay. It's showing on my credit that it's a negative account and showing I'm making no payments but clearly what I owe is shrinking. Experian credit company will not fix this problem that shows it in collections but not showing it's being paid off. I'm legally making payments to pay off the back pay based on the contract I have with Michigan FOC and shouldn't be impacting my credit for years
Consumer complaint received 2018-12-03
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HOVG, LLC (TX)

After reviewing my credit profile on XX/XX/2018 I identified a discrepancy with account listed under XXXX XXXX XXXX XXXX. I requested a validation on XX/XX/2018 as this medical account has been added to my credit report despite being covered under medicaid and no response was received. A 2nd validation request was sent out on XX/XX/2018 to which I also have not received a response nor has my credit report been updated to reflect that I am disputing this account. Based on their failure to validate this account adequately I do not believe the account belongs to me nor that the creditor has authorization to legally access my medical records and to attempt to collect on this account and this account continues to negatively affect me.
Consumer complaint received 2018-12-03
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION (NY)

I have been dealing with XXXX XXXX XXXX as my student loan provider for several years now. I went with XXXX XXXX as I did not feel I had a choice. My issues with them first started in my senior year of college, spring of 2017. XXXX XXXX repeatedly called and demanded I begin to pay back one of my loans, despite the fact that I was still in school. I explained this was not possible due to that fact, and that I had chosen deferment until after graduation for all my loans. XXXX XXXX claimed I did not, and continued to harass me. They stated there was 1 loan, out of 5, that I had selected to pay while in my last semester. I told them that was a mistake, and that it didn't make sense given my other loans would not be touched until after graduation. They refused to work with me, and the loan started to build interest. After graduation, I began to pay as I could. I started working, but not a well paying job. I have made {$35000.00} a year since graduation in upstate New York. I still live at home with my parents due to this. Since graduation, XXXX XXXX has been nothing but uncooperative. They have raised the interest rates on each of my loans over 2.5 % over the past 18 months, and have set payment at 60 % of my monthly income. They demanded I pay {$1200.00} a month, despite the fact I only made {$2000.00} after taxes. This did not include the fact that I live an hour away from where I work ( 40 miles ) and was often stuck working weekends with no extra pay,  therefore gas costs also piled up along with my monthly car payment of {$400.00}. I have repeatedly asked XXXX XXXX to work with me, and they have refused. It has reached a near crisis point several times, with me falling into delinquency and them repeatedly asking me to pay more than I even make at that point ( i.e. asking me to pay all {$3500.00} I owe at once ). It reached its worst point yet this month when I learned I was losing my job at the end of the month. I called and requested to work with XXXX XXXX, when I told them I was losing my job on XX/XX/XXXX they said " how will you continue to pay us? '' and " why are you calling if not to make a payment? '' They did not offer to work with me. This is reaching a crisis point, I do not want my debt to continue to pile up. I have paid at least something just about every month, but I can not afford {$1200.00} a month plus rising interest rates.
Consumer complaint received 2018-12-03
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Westlake Services, LLC (MI)

My loan was sold from XXXX XXXX as of XX/XX/XXXX first payment was due. I paid that on XX/XX/XXXX. I paid all previous payments to XXXX XXXX who also allowed me to access my account without verification XX/XX/XXXX. I explained by email that I paid 2 payments in XXXX. They consistently placed hard collections inquiry on my credit report and the CFO said that was between XXXX XXXX and me. I have copies of my second payment paid in XX/XX/XXXX. My last payment is due XX/XX/XXXX I need my credit corrected. I was denied a loan to pay off my end of year bills. I need this information corrected immediately.
Consumer complaint received 2018-12-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (FL)

Continuation of complaint XXXX XXXX XXXX  have me a reference number of XXXX XXXX XXXX accepting a XXXX credit in my behalf in XX/XX/XXXX. They werent able to reverse the credit because XXXX  accepted it. 
Reference XXXX I spoke to XXXX  because I also have a blue XXXX. I was told XXXX XXXX did accept the XXXX credit in my behalf. Apparently it was transferred XX/XX/XXXX to Citibank visa XX/XX/XXXX as I was told my customer service XXXX. Citibank has no record of receiving this XXXX. 
Ive spoken to managers at XXXX  and no one is willing to help me obtain the XXXX you accepted in my behalf.
Consumer complaint received 2018-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (GA)

I've mailed certified letters to Experian in regards to credit inquiries that I do not recognize. The inquiries in question are listed below ; - XXXX XX/XX/XXXX -XXXX  XXXX/XXXX XXXX   XX/XX/XXXX -XXXX/XXXX XXXX XX/XX/XXXX -XXXX XXXX XX/XX/XXXX -XXXX XXXX XXXX 1XX/XX/XXXX -XXXX XXXX XX/XX/XXXX -XXXX XXXX XXXX XX/XX/XXXX-XXXX/XXXX XX/XX/XXXX -XXXX XX/XX/XXXX -XXXX XX/XX/XXXX -XXXX XXXX XX/XX/XXXX -XXXX XX/XX/XXXX -XXXX/XXXX XX/XX/XXXX