davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO. (NY)

Another issue with Chase Sapphire Reserve benefits. 
It is just absurd to allow this bank to operate freely like that with no consequence. 
Now I have a claim for the Purchase Protection that is another disaster. 
I purchased a glass pot during a trip through XXXX and unfortunately it broke on the bus. 
I submitted all the documentation including photo of the broken pot, receipt and credit card statement. Everything just like as requested, and in order. 
All I keep getting is a request from the company saying my receipt is not legible. So absurd! It is very clear, you can read every single character there. It is a high definition photo that allows you to zoom and see even the tiny paper marks. There is absolutely nothing illegible there. 
If the person working on the claim really thinks it's not legible, I strongly suggest doing an eye exam. 

*I refuse to play this game*. 

It is the THIRD time I'm requested to reupload the documentation, and the documentation IS VERY clear and totally legible. 

This is a clear attempt to not deliver the benefit, and should be investigated. 
I'll attach here the exact same image I sent to the claim. 

CFPB : we are dealing with an IRRESPONSIBLE company that should be fined for doing this. As I said before, THIS IS NOT the first time I have problems with benefits offered by Chase.
Consumer complaint received 2018-07-03
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I was minsinformed by a XXXX representative that my account was current on XX/XX/XXXX. Since the account was current I made my normal payment by the XXXX of that month. It turns out that XXXX had an Issue posting a payment from the prior month and lied to me when they said everything was current in the month of XXXX. Since I thought everything was fine I made a payment on XXXX and XXXX on my regular due dates. I did not find out until after my XXXX payments that they had reported me late. The representatives at XXXX have constantly given me misinformation about what the last day is to pay my payment is and when the daily cut off time is. I had another instance where I made my payment before the next payment was due and they still reported me late. This happened in XXXX of XXXX when the XXXX website was down and they were not able to take my payment as confirmed, even though the website said the payment was in process. I called and explained that I did not want to make a phone payment and an internet payment at which time the XXXX representative said everything would be fine and thered be no late reporting. Again the rep lied and XXXX financial services damaged my credit. This company has now recently adopted the policy of not being able to dispute anything, including this dispute, unless its by normal postal mail. This policy just changed about two months ago. Please help. This is hurting my credit all so that this company does not have to give lower rates to its loyal customers.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My account with XXXX XXXX XXXX  XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made me the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX XXXX XXXXXXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2018-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION ()

Nothing in the boxes covers my complaint but to explain. I am XXXX and my name is Mrs XXXX XXXX. I am XXXX years old and I do not know the systems in the USA. However my dispute is with the Bank of America and although I have tried every which way I can I have gotten nowhere so I wish to entrust the CFPB. 
In XX/XX/XXXX I was awarded a huge compensation payment from the UN plus others. 
I received notification from the Ceo and President Mr XXXX XXXX. The payment was for {$30.00} XXXX usd which was lodged with the Bank. The proposed actions were to transfer the money into an account for me in my name. Mr XXXX XXXX XXXX who is the co-head of consumer banking. I was not advised at this time I would be responsible for numerous fees. It began with opening the account charged at {$500.00} then {$390.00} for activation. I had two other fees added for {$250.00}. Another {$190.00} for signing papers to be done by an attorney Mr XXXX XXXX at a cost of {$20000.00}. Then came the news the dates on the account cards were out so {$650.00} was needed for updating The bank wanted {$250.00} as a keeping fee and another {$250.00} for a courier fee, This all happened in XX/XX/XXXX.
Consumer complaint received 2018-07-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (OH)

I have worked in XXXX service s for 10+ years. I submitted my application for Public Service Loan Forgiveness, and after verifying with each of my previous agencies, they determined that all of my agencies were qualified. I then received an email from XXXX XXXX saying that I had not been making qualifying payments and would have to consider shifting my loans to them. I sent them an email question asking how my payments did not qualify and received a form letter with the same language as the website, explaining nothing. At no point did I consent to switch my loans to them. On XX/XX/2018 ( dated XX/XX/2018 ) I received a letter saying XXXX  was my new service provider. Again, I did not consent or agree to this, having more questions. On XX/XX/2018 I received an email saying I had a payment due on XX/XX/XXXX that was now late. I never received anything from them stating an amount or due date. Meanwhile, I made my existing payment to my current vendor on XX/XX/XXXX.

Today, I called them and was told that they had no record of me making a payment to my previous vendor and that I had to " prove it '' to them. I was also told that I had filled out the wrong form ( I filled out the one on the US Department of Education website ) and that I had to fill out the IDENTICAL form with the slightly different number on it to get a waiver on my non-qualifying payments. I was further told that reapplying with the exact same form will re-start my application and require them reverify all of my employment - a three month process, if I'm lucky. The national funding will almost certainly be gone by the time this is completed.

I am beyond frustrated. I started out trying to take advantage of a lovely program that rewards community service and I now have a late payment to a vendor I didn't chose and don't trust for an amount that makes zero sense ( they say I owe {$94.00}. My original payment to my existing vendor was {$250.00} and my new payment is {$240.00} ). I'm not even sure if I should pay them. Please help!

Sincerely, XXXX XXXX
Consumer complaint received 2018-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (WI)

In XX/XX/XXXX Nissan offered to extend my contract and move my payments for XX/XX/XXXX and XX/XX/XXXX to the end of my contract. I agreed to the arrangement and made a payment of over {$1100.00}. Instead of marking my account as " paid as agreed '' for the month of XX/XX/XXXX as originally stipulated, Nissan has erroneously marked my payment for XX/XX/XXXX as late. This is negatively impacting my credit score and I need it fixed immediately. Additionally, Nissan has failed to report my last two payments in XX/XX/XXXX and XX/XX/XXXX which is also negatively impacting my credit score. Finally, Nissan is not reporting this account to XXXX which is also negatively affecting my credit score.
Consumer complaint received 2018-05-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Dear sir or madam, XXXX DC has sold off this account to XXXX XXXX. I had already paid XXXX XXXX  and the account is statisfied. Since XXXX written off and sold my debt, My contract with them is no longer active, so No contract with XXXX. They need to delete this from my credit report. XXXX  need to deleted XXXX XXXX off my account too.

Thank you!
Consumer complaint received 2018-05-30
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bread Financial Holdings, Inc. (TX)

XXXX XXXX keeps calling ALL of my phone numbers, then continues to call after I tell them XXXX XXXX is not at this number, and then LIES and says they aren't calling. I have them on voicemail. XXXX XXXX leaving VERY THREATENING messages, but she won't answer the phone when you call back. NASTY FILTHY COMPANY full of LIARS.
Consumer complaint received 2017-06-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: MIDFIRST BANK (IN)

Please consider this correspondence to be formal notice that our mutual client is hereby submitting a complaint because your company failed to provide the required notice of additiona l required documents within five ( 5 ) business days in violation of Regulation X, 12 C.F.R. 1024.41 ( b ) ( 2 ) ( B ). Therefore this client 's application was entitled to be treated as facially complete pursuant to Regulation X, 12 C.F.R. 1024.41 ( c ) (  iv ).   The lender as of  XXXX / XXXX /  XXXX   has stated the file is deemed complete and has been submitted for review with the underwriting team - The lender is in violation of Dual Tracking laws since that are refusing to postpone/hold the sale set for  XXXX / XXXX /  XXXX   -
Consumer complaint received 2017-06-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (GA)

LVNV Funding sold my previous credit card debt to another company and is still reporting on my credit report stati ng that I owe them. I have disputed this several times and it was removed. This company continues to report this debt to my credit causing my score to decrease
Consumer complaint received 2017-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (GA)

I file a written and verbal dispute with both   XXXX   and Equifax several times throughout a year to investigate, update or remove from credit report regarding inaccurat e " Tax Lien '' repo rted on my credit report.     Both credit agency   XXXX   and Equifax has stated they have completed an investigation and reported the G A State Tax Lien is reported " Released Lien. '' As stated I submitted a letter of dispute based on inaccurate inf ormation on the both reports.     The dates the report was filed on :  XXXX   XXXX ,  2017  to Equifax file #  XXXX  - GA Departmen t of Revenue Tax Lien File :  #  XXXX  {$980.00} and #  XXXX  {$1700.00}  XXXX   XXXX ,  2017  to  XXXX  file #  XXXX  - GA Departmen t of Revenue Tax Lien File :  #  XXXX  {$980.00}
Consumer complaint received 2018-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Got new car lease with XXXX XXXX back in 2016 and then had to take new position and pay cut from SSA survivor benefits also. Couldnt afford payment and got it repossessed after a year. XXXX has resold the car and I am not the owner so why would I pay $ XXXX for it? Thats more than my lease balance was so I reported it and they dropped it to XXXX but are destroying my credit by reporting this as ongoing and monthly missed payments even though its listed as a charge off.
Consumer complaint received 2018-07-02
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. (GA)

I submitted a complaint multiple times to the credit bureaus regarding my paid student loan with XXXX XXXX XXXX. The loan was opened in XXXX and paid off in full in the spring of XXXX. There is a " failed to pay '' negative on my accts history from XX/XX/XXXX with Experian. Again this loan was paid in full last year. Initially the error on the acct that I made my first complaint was concerning a balance that they falsely reported in XXXX. That was reported to XXXX. They deleted the acct entirely due to my dispute and the XXXX XXXX XXXX   not getting it right. Then a month later I have the same issue, but now with Experian. Once again, I disputed it. The result of that dispute was Experian corrected the reporting of having a balance but change one mistake to another in now having this negative entry of a missed payment. So ... .again I dispute and make a complaint with you guys. To no avail as you seee because I am once again making another complaint for the same acct. I am really fed up with all of the problems with this particular acct and its mistakes. It has already cost me to loss one house that I was trying to close on but I couldn't secure the loan due to these errors. This is my second attempt at making a complaint with The Consumer Financial Protection Bureau and I really don't know where to turn next aside from contacting a lawyer. The failure of the XXXX XXXX XXXX XXXX to correctly report on my loan is drastically effecting my life and the mental anguish behind having to run behind this to correct it is becoming like a second job in which I really don't have time for.
Consumer complaint received 2018-07-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P. (MD)

I received a written attempt to collect a debt from XXXX XXXX  XXXX, TX on XX/XX/XXXX, dated XX/XX/2018. I spoke with the purported creditor, who confirmed that my account is current and in good standing and has not been delinquent, and furthermore, that they do not work with the company who contacted me to collect the purported debt. I called and spoke with a representative of the collector and their supervisor who would not provide any detail as to why this debt was owed, nor a professional license number.
Consumer complaint received 2018-07-03
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Patient Accounting Service Center (NV)

A company called XXXX continues to claim I am not paying per the agreement. I pay the bill on their website on XXXX-XXXX-2018 for {$100.00} which is more than the agreement. The bill is due on the XXXX-XXXX-2018 they are claiming it did not post until the XXXX. Then send threatening letters that I am not keeping to the agreement. That my response is unsatisfactory. And that the balance will be due in ten days. 

Customer service just keeps repeating claims that it did not post until the XXXX and that it is my fault. Even though on their own website it shows that it was accepted on the XXXX.
Consumer complaint received 2018-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (WA)

I applied for a new credit card. 
XXXX XXXX XXXX XXXXnformed me that experian has a false social security number listed with my otherwise correct demographic information I have been trying to call experian for several weeks and can not reach anyone I have received no response to email sent to experian the bank could not help me. 
I looked at my XXXX credit report and the social security number is correct I am worried because my true social security number was fraudulently used in 2014 to get a refund from IRS. 
I need to know why experian has a false SS # in their file
Consumer complaint received 2018-07-03
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: FIFTH THIRD FINANCIAL CORPORATION (KY)

On XX/XX/2018, I received a phone call from Fifth Third Bank in regards to a late payment for my auto loan. I had called Fifth Third on XX/XX/2018 at XXXXXXXX XXXX to request assistance with that payment, but after a nearly 18 minute conversation with 2 different departments I came to the conclusion that there would be no benefit to having borrower 's assistance and I advised I would make my payment late. At the end of my conversation with the 2nd agent, she verified contact info with me including my phone number, but I did not express any verbal permissions to contact my number or repeal my written cease and desist notice I issued to their company 2 years prior. Today XX/XX/2018, I received a call from Fifth Third, I spoke with an agent that I feel refused to acknowledge that I had already issued a written cease and desist notice that is on file with their company. He stated that I would have to issue another letter to continue a cease and desist on my account while also advising me that during that time they await my letter that I was subject to be placed in a automatic dialer system, which I advised that I did not give permission to be in. I don't recall receiving this man 's name nor do I recall being given any monitoring disclosure or mini miranda for debt collection. I asked for a manager and I spoke to another man named either XXXX or XXXX, whom acknowledged and verified that I had a written cease and desist oh file and stated that per their policy that notice should not be removed unless I have sent a written request to resume contact, which I haven't. During this conversation, this manager also acknowledged I was correct and he understood that this call was a violation of FDCPA and CFBP while assuring me that something that shouldn't have happened today will not happen again in the future.
Consumer complaint received 2018-07-02
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Seterus, Inc. (CA)

I am XXXX years old and trying to modify my loan., Im on XXXX XXXX XXXX XXXX, XXXX XXXX surviver .. and Saterios loans is trying to trick me into a 40 year loan and says there is n other options., my house is worth XXXX XXXX 3 bd 2 bth in XXXX XXXX XXXX Ca I owe XXXX on the loan with 12 years left., Im having trouble makeing ends meet., = paying bills and Seteriors is trying to XXXX me with a bad loan offer..
Consumer complaint received 2018-07-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (OR)

CapitalOne won't let me connect my personal finance service/benefit to my CapitalOne account to help me track my spending. 

As a consumer, I have every right to access that information using services I deem appropriate.
Consumer complaint received 2018-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (IL)

I have requested that my Experian credit freeze be lift for a specfic time period twice. The freeze is still in effect. I have attempted to contact Experian by phone XXXX and XXXX. On the phone I do not get a selection to reach the customer service people. Thinking I was calling to early I waited 1 hour, still no option for customer service. Experian has assured me when I placed the lift that my freeze will be lifted and gave me a verification number. The freeze remains on my credit. All the options are circular.
Consumer complaint received 2018-07-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Ameritech Financial (MD)

I was contacted by Ameritech regarding student Loans from XXXX and XXXX XXXX XXXX. XXXX XXXX asked for two monthly payments of XXXX. After I signed an agreement, I didn't feel comfortable with Ameritech and I called to cancel payment and also contacted the credit union. 

Thank you
Consumer complaint received 2017-06-09
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

XXXX  and  XXXX  harassed me with threats of a lawsuit from a d  ebt from 2014. They even coerced me into sending them a " payment. '' It was n't until I sent in a response to the court to fight the lawsuit that they finally stopped the letters threatening to sue.
<P/>
Over the course of 2 weeks, they sent someone daily to attempt to " serve '' me, but I was never at home, but my wife was. This guy would sit outside our house for hours waiting for someone to come in and out, my wife was really scared and felt threatened.
<P/>  I have all the proof of the letters and all the work I had to put in at the court to file a response with the court after multiple attempts and months of work to do it.