davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-04-10
Product: Credit card — 
Issue: Rewards — 
Company: JPMORGAN CHASE & CO. (MA)

I was approved for a MileagePlus ( MP ) Credit Card from Chase Bank on XXXX XXXX, XXXX. For being approved, Chase Bank offered an enrollment bonus of XXXX flight miles on XXXX XXXX. I intended to use this card solely for out-of-state travel purposes, which I rarely do. 

My MP quarterly statement ending XXXX XXXX, XXXX did show XXXX enrollment miles, which I thought would be adjusted once my minimum {$2000.00} payment of purchases within 90 days of receiving the card was processed. Said payment was made on XXXX XXXX, XXXX. ( This was a requirement of the XXXX miles bonus program. I later learned the XXXX mile offer required only {$1000.00}. ) It was only recently did I realize that the more than XXXX miles accredited to my card since my XXXX XXXX, XXXX quarterly statement, still only accounted for XXXX enrollment miles. 

I called MP on XXXX XXXX, XXXX to request the balance of XXXX enrollment miles. ( The original cardmember agreement I received with a copyright of XXXX did not state the number of introductory bonus miles. ) I eventually spoke to a Supervisor in their XXXX XXXX, TX office. ( Her name can be provided upon request. ) She did not dispute that the original offer was for XXXX enrollment miles, but said she would not approve the XXXX additional miles since my credit card was approved more than a year ago. I asked if she could send me where in the agreement does it state this XXXX year limitation. She could not. She then stated it was their policy. I then asked if that was in writing. She said no. 

A recent web search revealed that this matter regarding MP 's enrollment miles has been subject to extensive discussion among consumers for some time. For example, see XXXX XXXX.
Consumer complaint received 2015-04-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ERC (TX)

I received an alert on my credit report for a collection by Enhanced Recovery. I contacted their office to see what the collection was for. They stated it was a bill from XXXX. This is an account from XX/XX/XXXX that had been previously deleted from my credit report in XX/XX/XXXX under another collection company called XXXX financial. I have not received any notification other than the alert from my credit monitoring service. If it is verified that I owe the bill, I have no problem paying the bill. The problem that I have is a company submitting something on my credit report without notifying me.
Consumer complaint received 2015-03-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: I.Q. DATA INTERNATIONAL, INC. (CA)

XXXX apartments is trying to collect an amount of money for maintenance and cleaning of the apartment and they sent me to collection with XXXX.without informing me on a timely manner. 
I understand they changed management, I was waiting to get my deposit returned because when I left the place I was informed that I would have to wait a while. I kept in touch with XXXX to check the status of my deposit. When I left the apartments I informed her of my new address and she documented it. Later, checking in with her I found out I was sent to collections. 
XXXX suggested to call the collection agency. I asked her why? She tried to help me but she said she did n't know. The collection agency was then the XXXX who informed me about the charges over the phone. I asked them to send it in writing. 
The apartment complex did n't provide with an accounting of the moneys deducted from the security deposit within 21 days per California civil code 1950.5. 
Regardless, my deposit well covers all the charges they are stipulating and I still have not get any money back. The manager told I should not be charged for the carpet cleaning since it was not clean when I moved in. I consider that the charges are grossly exaggerated.
Consumer complaint received 2015-05-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (FL)

Last year ( XXXX XXXX when I pulled and reviewed my Experian credit report I noticed that a new address had been added that I have never lived at. The address is in Georgia. I disputed the issue with Experian and was told by the representative that it would be removed. This year when I pulled and reviewed my Experian credit report I saw that the Georgia address was still there. I will attach copies of the pertinent sections of my Experian reports from XXXX, XXXX and XXXX.
Consumer complaint received 2015-08-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (VA)

Ocwen is reporting me late to the credit bureaus even though I 'm using their bimonthly service. For example, payments will be received timely by Ocwen, but they do not post them timely. Most recently, I received a default letter from Ocwen, when my payment is current. I 've called Ocwen before about this, and was told numerous times, that I was n't being reported late to the credit bureaus. In my opinion, Ocwen does n't know how to handle a bi-monthly payment - they are holding funds in the suspense account w/out applying them in a timely fashion. I want my credit report corrected to show that I have had no late payments with Ocwen since XXXX, XXXX. They are reporting me late for XXXX, XXXX and for XXXX, XXXX.
Consumer complaint received 2015-08-07
Product: Credit card — 
Issue: APR or interest rate — 
Company: TD BANK US HOLDING COMPANY (NJ)

1. The credit card is misadvertised at the first beginning when I wassold to apply for this card. I was told it 's a 0 % interest card forthe first 12 months and then 28 % APR. The sales and the customerservices keep using the language the interest is " void '' to mislead itscustomers, and in certain way allure and motivate people to open thecredit card, even I had the full cash to pay for the goods at the timeof purchase. 
2. TD Retail Card Services did n't send me any notification about whenis the deadline of paying the balance in full. I understand yourmonthly statement says the promotion expiration date, which is XXXX, 2015. However, the statement of XXXX XXXX to XXXX XXXX did n't statethe interest deferred to be added on the current balance ; thestatement of XXXX XXXX to XXXX XXXX did n't state the interestdeferred to be added on the current balance either. These statementsdid n't demonstrate that the expiration date is the actual deadline ofpaying off the current balance in order not to incur any surchargeevent. 
3. I paid in full for my previous balance of {$6400.00} on XXXX XXXX, 2015. 
4. 28 % APR is way too high for any standard credit card. The APR isaveraged at 15 % in the United States. What kinda of business wouldoffer such a high APR and 0 % interest rate in the first year at thesame time? I am suspicious about the misconduction of credit businessand I would encourage for further investigation of their customerbase, since I believe I am definitely not the only one who wasmislead, confused by their business.
Consumer complaint received 2024-11-21
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. (FL)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( XXXX ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ALLY FINANCIAL INC. (FL)

On XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> ALLY FINANCIAL completed inquiries on my credit profile, I did not authorize them nor provided anyone with permission to authorize them use of my information, I made contact with the company and XXXX, XXXX to remove these inquiries and all attempts failed.
Consumer complaint received 2015-08-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (VA)

Each time that insurance premium is due, they ( OCWEN ) say do not have insurance. They pay late. This time they have not paid, and I now do not have insurance, but I bet they are going to charge me to have their ( OCWEN ) insurance. You can get backup from me and my insurance carrier. They also, for a time was not applying that paying extra monthy, that paying bi-weekly and not sure where that extra money was being credited. When reported them last go round, I went from owing about XXXX to XXXX just like that. The company is not easy to get a person and if you do, they can not tell you anything, you must contact this number. We pay on time and extra, and I expect to have coverage on insurance. At this time, I am working to get a payment to my insurance, but I bet I have a letter coming about having to pay their insurance because they can not provide I have insurance. I have emails showing they are being contacted and that they handled last time. This is a very questionable company, and I am at risk because of their questionable business ways.
Consumer complaint received 2015-04-10
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Select Management Resources, LLC (LA)

Hello my name is XXXX XXXX I took out a title loan on my car XXXX XXXX I borrowed! XXXX dollars I have been paying XXXX a month for past XXXX months. That 's almost XXXX dollars. My father was diagnosed with XXXX. I have been off work trying to help him and my mother. Then XXXX XXXX XX/XX/XXXX I became ill with XXXX. These people called me in hospital they call while I am at doctor with my dad getting his XXXX. I feel like I have paid them XXXX dollars interest. I borrowed XXXX now they want me to walk back in with XXXX plus what I have already paid.. I ca n't do this. I have NEVER seen anything like this. This is NOT right and SHOULD be against the LAW. They ca n't even explain to me how they are coming up with almost XXXX dollars then they want me to sign another contract which is about XXXX pages long plus add another XXXX plus XXXX a day for every day that it 's not paid in full. That would be almost XXXX dollars I do n't have that kind of money.. Please help me. I do n't know what to do. Lone Star Title loans SHOULD NOT be aloud to take advantage of poor people. Thank you for your time.
Consumer complaint received 2015-04-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ERC (CA)

Certified mail was sent and requested to validate debt. Collection Agency failed to answer within 30 days. I am demanding the Collection Agency to CEASE AND DESIST from further communication with me, in any manner, regarding the above referenced TIME-BARRED debt. 

Also, in XX/XX/XXXX, in direct violation of Fair Credit Reporting Act 623 ( a ) ( 1 ), your company knowingly and willfully reported inaccurate information to a consumer reporting agency in order to extend the reporting period of the above account to XX/XX/XXXX. In response to my dispute of this FCRA violation, your company maliciously 'verified ' the fraudulent information to the consumer reporting agency as being correct in order to have it remain on my credit report. I demand that this FCRA violation be remove immediately on all XXXX of my credit reports.
Consumer complaint received 2015-04-10
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

Capital One has refused to update my credit report by removing the " In-Dispute by Consumer '' or " Account Disputed by Consumer '' and it is delaying the purchase of my new mortgage. I have EXCELLENT credit scores averaging XXXX across the board, with NO derogatories, and this In Dispute status is costing me from being processed. I spoke with XXXX different people at Capital One credit card in the past 2 weeks and each person said that they would send something forward to remove the status and there is no change. I understand that pursuant to the The Fair Credit Billing Act requires that you list correct statuses of my accounts on ALL XXXX major bureaus, that each statement be sent to the correct address, that you not ignore change of address requests, and that you facilitate disputed charges in a manner prescribed by law. The Act also stipulates that you provide lawfully requested information concerning my account upon request in a timely manner. 
The account in question : CAPITAL ONE BANK USA, or CAP ONE Acct # : XXXX. There is nothing to dispute since there is no negative history, no incorrect balances, and the items are reporting positively. This is just laziness. For that reason, Capital One must forward a notarized statement on your letterhead which will attest to your compliance to the FCBA and FCRA generally and to my account specifically throughout the period I have been a customer. Otherwise, delete the negative marks you have reported to ALL XXXX consumer reporting agencies within the timely manner prescribed by law.
Consumer complaint received 2015-04-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (OK)

I received a letter from the " Enhanced Recovery Company '', claiming that I owe XXXX XXXX XXXX {$110.00} this past XXXX. I was unsure of the legitimacy of the company which is the reason I have avoided direct contact with them. However, I recently viewed that this debt is affecting my credit as an open collections I owe. 

I have paid off all of my remaining balance with XXXX XXXX XXXX for internet charges back in Florida. I have also made a new account with XXXX XXXX XXXX for TV and internet since last XXXX and have made all my payments on time. They have never XXXX informed me of an old existing account that I still owed money for. Nor have they ever denied me as a customer for still owing a debt. I honestly believe XXXX XXXX XXXX would have easily found this debt of mine, if it was legitimate, as my full name would be on XXXX accounts. This is the reason I am claiming this debt to be completely false.
Consumer complaint received 2024-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report and it might've been done online without my knowledge. It is stressing me out and making me anxious. Hope you can address this soon, please.
Consumer complaint received 2015-12-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Associated Credit Services, Inc. (CT)

I was called by a guy saying he represented a collection agency for Eversource ( a power company in my area ) saying that we owed {$45.00}. We knew that we had paid in complete our total power bill. 
He threatened to mark down my credit and said we had to do it tonight. When I asked for his number and told him I would call him back he just hung up. 
Call was from XXXX
Consumer complaint received 2015-05-15
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (CA)

I have repeatedly asked for the identity, phone #, address of the investor of the alleged mortgage loan ( originated by XXXX XXXX ) which allegedly became securitized with over XXXX other mortgage loans in XXXX. 
This is reported under a different servicing number by Chase of XXXX. 
I am entitled under the new Dodd-Frank laws and TILA laws to know who my creditor ( s ) is so that I can negotiate directly with the creditor. 
Chase has sent a letter dated XXXX XXXX, 2015 stating that the investor which they service for is : XXXX as Trustee for XXXX and then they list the Mortgage Research ( XXXX ) in XXXX XXXX, MN XXXX and the phone XXXX. 

This is NOT the investor and Chase continues to confuse and obfuscate the truth. This is not supposed to be the Trustee for the securitized trust ... .it is NOT the investor. 
Furthermore, when I call that number -- -they will not talk to me and tell me to talk to Chase. 
They said they are indemnified ... .meaning protected by insurance from Chase. 
I need to talk to the investor. I need to be able to negotiate directly with the investor. 
Chase is not complying with Dodd-Frank, nor TILA. They are stone-walling me. 
It is not longer 'proprietary ' who the investor is. I will not tolerate Chase 's stone-walling. 
Chase is now breaking the laws once again.
Consumer complaint received 2024-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I, XXXX XXXX, identified multiple violations of the Fair Credit Reporting Act ( FCRA ) and related regulations that have affected my credit report and personal rights as a consumer. The violations I detailed include : FCRA Section 616 : The entity in question failed to verify the accuracy of credit information before accepting and reporting it, which constitutes willful noncompliance and exposes them to civil liability.

FCRA Section 603 ( d ) ( 2 ) ( A ) : They did not inform me of my right to opt out of having my personal information shared, which is deceptive and a violation of my rights.

FCRA Section 623 ( a ) ( 3 ) : Inaccurate credit inquiries and accounts were reported without proper validation, violating Generally Accepted Accounting Principles and misleading credit reporting practices.

Debt Collection Practices Act Violations : I experienced harassment and unfair practices due to the reporting of inaccurate debts and accounts, leading to unwarranted distress and creditor contact.

Third-Party Disclosure Violations : My information was shared with third-party credit reporting agencies in violation of regulations prohibiting the disclosure of debt details to third parties. 

Late Payment Reporting Violations : " Late payments '' were reported on my credit report without clear definitions, making these entries deceptive and inaccurate. 

Finance Charge Errors : The agency failed to accurately determine finance charges, an obligation they must fulfill as a credit reporting entity. 

Permissible Purpose Violations : They reported information on my credit report without my written consent, breaching the permissible purposes outlined in the FCRA. 

In response, I authorized a dispute and requested immediate corrective actions, including updating or deleting specific entries on my credit report that were inaccurately reported. I emphasized that failure to address these issues promptly could result in legal action under the provisions of the FCRA and other relevant laws.
Consumer complaint received 2018-09-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (CO)

On XX/XX/2018 I made a {$1000.00} payment for future delivery of a custom made rear bumper with XXXX by ACH with Wells Fargo via account # XXXX. I paid the additional balance of {$2200.00} on XX/XX/2018 per their request. They estimated 8-12 weeks for completion from the original order date. After repeated delays and a lack of communication they ultimately stated that they didn't know when they would have they product completed. At that point I began asking for a refund and they are now unreachable via phone or e-mail. I filled for a refund with Wells Fargo and they denied the claim saying that I should take it up with the vendor ( XXXX ). As I stated they are unresponsive so I have no recourse with them. XXXX has violated the terms of our agreement by failing to deliver the product.
Consumer complaint received 2015-04-11
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I sent a letter to TransUnion in XXXX, and received a response today in the mail that they will not be updating my credit report to more accurately represent my profile. The issue arises from the reporting of a " photo '' radar traffic ticket that I was never made aware of. Upon first seeing this on my credit report, I contacted the City of XXXX regarding this ticket and promptly paid it in full even though I disputed the validity of the ticket, never being sent a notice, or being able to defend it in court. 
The City of XXXX has sent me notices that they have sent a " Clear Record '' to TransUnion as well. I even have a copy of this " Clear Record '' that I have forwarded to TransUnion myself. 

Also, TransUnion made agreements with the Attorney General of New York ( though the agreement stipulated nationwide ) about just this type of debt. TransUnion ( and XXXX ) agreed that " consumer debt that did not arise from a contract '' will no longer be reported. Specific examples mentioned in the agreement were medical debt and traffic related debt. 

Bottom line, this account being listed is in no way an accurate representation of my credit worthiness. Continuing to report this is causing me unnecessary harm. I am only asking that this " Paid '' debt be removed from my TransUnion credit report. 

I am including a copy of the " text '' portion of the letter that I sent to TransUnion in XXXX. 

-- -- -- -- -- -- TransUnion XXXX XXXX. XXXX XXXX, PA XXXX TransUnion, This letter is a formal complaint that you are reporting information that you should no longer be. 

I have no doubt that you have a desire to correct and ensure that my credit report shows only accurate information that is also PERTINENT to my credit history. 

The City of XXXX has acknowledged the issues that I have brought up previously, and despite also having sent to me a CLEAR RECORD that I have also already sent to you this debt remains listed. 

Additionally, and for purpose of this follow-up, I write due to a recent settlement that TransUnion entered into with the Attorney General of New York. I demand immediate removal of this " consumer debt that did not arise from a contract '' be removed from my credit report. My specific issue of receiving a traffic ticket is XXXX specifically mentioned as applying in my case of having no justifiable reason of appearing on my credit report. My claim also has to do with this ticket being of a " photo '' variety, meaning I never actually RECEIVED a ticket. Based on the settlement that TransUnion entered into, I can speculate that the Attorney General and TransUnion agree with me on the need to have this removed. 

My overall claims of this being valid in the first place also have merit. Either way, I ask for this to be permanently deleted from my report. 

XXXX / City of XXXX - XXXX XXXX # : XXXX, please send me an updated copy of my credit report that reflects this change. 
-- -- -- -- -- -- -- -- -- Thanks for your help!
Consumer complaint received 2015-03-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (TX)

EXPERIAN IS REPORTING A COLLECTION ACCOUNT FROM XXXX XXXX. THAT WAS DISCHARGED AND INCLUDED IN CHAPTER XXXX BANKRUPTCY. THEY HAVE INSERTED THIS ACCOUNT AS A NEW COLLECTION, HOWEVER, IT WAS INCLUDED IN CHAPTER XXXX BANKRUPTCY.