davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. (OH)

I went to Marriott.com to book a hotel for my husband XXXX XXXX for the dates of XX/XX/XXXX-XX/XX/XXXX for a total of $ XXXX/night totaling {$200.00}. When I went to pay with my credit card for the hotel, i saw a promotional offer for the Marriott Rewards Premier Visa. It showed the same amount for booking of {$200.00} with a statement credit of {$200.00}, leaving a balance of {$3.00} should I apply for this credit card. I clicked the " learn more '' tab and read about the offers of the Marriott Rewards Premier Visa credit card. I thought it sounded like a good deal and decided to apply for the credit card. Once my husband applied, a new window popped up saying he was approved for a credit line of {$5000.00}. I went back to the Marriott Reservation page to continue the booking, however, at that time I was not able to use the new Marriott Rewards Premier Visa card because there was no credit card information that was sent to me. I contacted Marriott and was told we could not use the credit card until it was received and could not use it for the $ XXXXnight reservation. " To ensure that you receive this special advance purchase rate, we will charge your credit card a prepayment of XXXX USD ( your full room charge plus tax ) when you make your reservation '' is what would happen and I would not be able to pay for the room in XX/XX/XXXX with the new Marriott Rewards Premier Visa. I feel this is deceptive practices which strictly violates UDAAP. I was under the impression I would be able to use this new credit for this purchase today and receive the {$200.00} statement credit since it was right there on the check-out page and was not able to do so. I spoke with XXXX at Marriott who stated I was not able to use the new credit card and also, spoke with XXXX at Marriott who was with the customer care team who gave me the phone number to contact Chase. I spoke with XXXX at Chase who said she knew of the special offer and did not understand why I was not able to continue with the purchase, she then transferred me to a supervisor who ultimately stated the same thing, " If Marriott is saying I ca n't use the credit card, then there is nothing he can do. '' I cancelled the credit card application, but the supervisor stated the inquiry will still be on my husband 's credit report. I do not want an inquiry on his credit report since UDAAP was violated.
Consumer complaint received 2017-07-02
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 — Problem with personal statement of dispute
Company: Clarity Services (TX)

Clarity Service pulled my credit on three different occasion with out my consent : XX/XX/XXXX and twice on XX/XX/XXXX. In effort to investigate the inquires, I sent a letter on XX/XX/XXXX listed bellow : RE : Unauthorized Credit Inquiry Dear Customer Relations : While checking my personal credit report : XXXX, XXXX, and XXXX, I notice an unauthorized inquiry made by your organization on XX/XX/XXXX. <P/>Since I have not, to the best of my knowledge, authorized anyone employed by your organization to make an inquiry, you are not legally entitled to make the inquiry. Therefore, I request that you contact all the concerned credit bureaus and remove the unauthorized hard inquiry within 7 days, under the Fair Credit Reporting Act, Section 1681b ( c ) :  Transactions Not Initiated by Consumer. I also request that you remove my personal information from your records. Please send me a written confirmation to the address listed above that you have complied with my requests. <P/>If you believe that you posses sufficient documentation that supports your authorization to make the inquiry, please send me a copy to my current address so that I may verify its validity. <P/><P/><P/>On XX/XX/XXXX, the company responded and stated they needed " additional information '' in order to investigate my claim. I sent another letter XX/XX/XXXX and it is also listed bellow : RE : Response to Consumer Request Dear Customer Relations : I received a letter from your company in response to my Unauthorized Credit Inquiry dispute ( see attachments ) stating that additional information is needed to investigate my claim. Your company advised I mail my social security number, address, phone number, and other pertinent and personal information with a view to fully investigate my dispute. However, if your company had access to my credit report, it can be determined that my social security number, address, phone number, and other pertinent and personal is within your company records. <P/>This is rather questionable and a postponement approach to evade your company from lawfully investigating my disagreement with the unauthorized inquiries. I included below three different instances ( twice on one day ) your company Clarity Service Inc illegally and without my consensus retrieved my credit report from XXXX, XXXX, and XXXX : The Fair Credit Report Act upholds fair, accurate, and confidential credit practices as well as gives consumers the right to legally dispute illegitimate credit reporting and inquires. I do not know the services offered at you company to grant you access to my personal credit file. Since your company is giving me a hard time with my request, I have decided to escalate my dispute with the Consumer Financial Protection Bureau.
Consumer complaint received 2017-07-03
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Santander Consumer USA Holdings Inc. (TN)

Someon e one u sed my credit applied for a fraudulent loan with Santander in     XX/XX/XXXX . They 've changed my date of birth with my credit report  XXXX . My former employers have been changed on my credit report. All of my former addresses have been changed. Social Security had to write a query for me with my EIN numbers for my former employers from  XX/XX/XXXX - XX/XX/XXXX . My drivers license have been stolen, social security card stolen.   XXXX   refuse to correct my credit report. They 've allowed someone to place a seven year fraud alert using fraud information. I ca n't provide  an account or loan number. All of my mail was being stolen through The United States Postal Service. Santander refused to speak with me after I did n't give my consent to anyone. Someone called me from Santander.
Consumer complaint received 2017-07-03
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

In  XXXX     2017  I sent a letter to Transunion dispute  XXXX  collection accounts on my credit report believed to be fraud. In the letter I specifically stated I donot want just verified, i need documentation. I am a fraud victim so i needed a contract with my signature, too see a copy of my id on file with these companies to validate this debt because it 's not mine. After waiting patiently for 30 days Transition send me a letter simply stating " verified ''.
Consumer complaint received 2017-07-03
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO. (IN)

Chase on XXXX in XXXX Indiana has closed my Prepaid Card for me using, my Check Deposit on my Account : ACH:XXXXand on a Account The Federal Judge In XXXX did, Put in Affect so no one but me see it in my Account in my App in my Bank Account ACH Account:XXXX, Chase Representatives could not see Account????????? and Chase Bank closed, and stopped my check deposit for no REASON this was my money from my Littgation in XXXX Indiana
Consumer complaint received 2017-07-03
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

This is my 9th complaint Re : Select portfolio and their illegal unethical tactics- I filed my 7th complaint with CFPB re : SPS on XX/XX/XXXX COMP # XXXX and SPS never responded to me or to CFPB. I would like my complaint answered by SPS- My last complaint filed about SPS -COMP # XXXX was filed on XX/XX/XXXX at approximately XXXX. In that complaint one of the many issues was the different foreclosure dates between Sps and the company they hired to foreclose XXXX XXXX. I also provided documentation of the inconsistency and how they notify me by sending numerous letters some by register mail an some not advising of the postponement of sale- however the last sale date of XX/XX/XXXX was postponed to XX/XX/XXXX and never was notified by Sps until 2 days after I filed COMP # XXXX. The notice dated XX/XX/XXXX stating sale date was postponed to XX/XX/XXXX- ( see attached documents ) Why a 3 day postponement? On XX/XX/XXXX approx XXXX XXXX XXXX ( SPS employee -Obudsmen Department ) called and left me a voicemail stating " his name -he was calling from sps ombudsman and to call him back at re : a very important call -call back @ is ( XXXX ) XXXX press # 3 XX/XX/XXXX apprx XXXX I called the number back and spoke with XXXX XXXX with obudmsman -I asked for XXXX XXXX she stated he was not  available - I advised her of the message he left - she then asked to put me on hold- came back a few minutes late did not know what XXXX had called for I stated he said it was important -she did not see any notes on what he called for - asked if I had any questions re : the complaint that I made. the only question I asked was what date of sale did she have she stated XX/XX/XXXX I would like to know why the message about important call was made? was it to get me to call?? XX/XX/XXXX I received from sps another notice of sale postponement -new sale date XX/XX/XXXX Sps has still never answered many of the quality written repose requests- never addressed the falsifying documents -never addressed the hamp denial I have provided multiple evidence that they do not have the legal authority to do what they have done and are still trying to do. and again Provide an answer to complaint I filed with CFPB on XX/XX/XXXX as I never received a response nor was one provided to CFPB COMP # XXXX
Consumer complaint received 2017-07-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (NY)

My account was closed for no reason. I am a victim of bank discrimination and misleading practices. The Bank representative use my old address when I requested her to put my new address when opening a new account with the bank. Due to her error my account was closed and I am unable to do any transactions on my account. When I try to correct issue with the bank they refuse to acknowledge my complains and proceeded to lock me out of the account entirely. Refusing to connect me to a manager or give me any information about why my account was closed. I ask them to return my funds to me and they wish to mail me back my money by check to the wrong address when I am notify them that I no longer at the old address that I am working on moving to the US.I have provided proof of this claims to them. I also was question about my citizenship status and I inform them that I am a US citizen born in PR they continue to question my identity for no reason. I am disgusted with such deceiving practices and searching online I have realize that I am not the only person treated like a criminal by my own bank. I hope that in the future CFPB will take action against banks leaving customers on hardship unable to pay for their bills due to abusive power. Please help me get my funds back. I am in distress and my bank do n't care if I eat, pay for my medication, my bills or die. Thank you.
Consumer complaint received 2017-07-03
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: LOBEL FINANCIAL CORPORATION (AZ)

This account falls under the INSTALLMENT ACCOUNTS on my credit report.
4.1 LOBEL FINANCIAL ( Account closed ) BALANCE : {$4300.00} DATE OPENED : XX/XX/XXXX DATE REPORTED : XX/XX/XXXX LOAN TYPE : Auto Loan COMMENTS : Charge-Off Account - Fixed Rate This account also falls under PUBLIC RECORDS on my credit report.
<P/>
JUDGEMENT : Case/Docket # ( XXXX ) DATE FILED : XX/XX/XXXX COURT : County XXXX XXXX Court AMOUNT : {$4600.00} This account does not belong to me. Yes, my biological birth name is XXXX XXXX. I do not have a middle name or middle initial. I am not XXXX XXXX XXXX I do have a son by the name of XXXX XXXX XXXX He 'll either go by XXXX XXXX, XXXX XXXX XXXX and/or maybe XXXX XXXX XXXX. My son lives in XXXX XXXX as well. When I first moved to XXXX XXXX back onXX/XX/XXXXI moved in with my son XXXX XXXX XXXX, his wife, and their children. I 'm not saying my son XXXX does have my social security number, but possibilities he just might remember my social security number. I moved from XXXX to XXXX XXXX back onXX/XX/XXXX This particular account was opened on XX/XX/XXXX. The only time I had ever had an auto loan was back in XX/XX/XXXX, and I had a co-signer by the name of XXXX XXXX Never did I ever have another car loan in my name whatsoever. My oldest children have been around numerous times when my spouse and I have talked about social security numbers. Being that mine is not very hard to forget I feel my son has used my identity and I would to have this removed off my credit report. If there is anything else that I need to submit besides this complaint dispute please inform me and I will submit whatever it is needed to clear my name.
<P/>
Sincerely, XXXX XXXX
Consumer complaint received 2017-07-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

I filed for a debt relief program through XXXX XXXX XXXX in XXXX XXXX 2015. Two of the credit cards I owed at the time were from Capitol One Bank. One of these credit cards were accepted by Capitol One for a single debt relief payment and the other one for 6 payments for less than the value owed. The payments were made according to the agreed upon payment schedules and I have proof from XXXX XXXX XXXX of the payments ( see attached document ). However, Capitol One refused to discharge these cards and have sold the account to XXXX XXXX XXXX who call me constantly trying to recover the full payment owed. They say according to their records no payments were made and they do n't care if an agreement was made between Capitol One and XXXX XXXX XXXX. They continue to say that I owe them full amount because they now own the debt. These calls have been occurring 4-5 times a day for the past 6 months. They have also recently published their " fictitious debt '' to my credit report last month. I need them to be stopped and my credit, which I am working hard to improve, corrected. Please help!!!!
Consumer complaint received 2017-07-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation (MD)

My loan payments were initially " bi-weekly '' for auto loan. Some time ago I have been on  XXXX  where I am only receiving income once per month. I 've talked to the company SEVERAL times to switch my payments to monthly. No one seems to know what happened to the initial request. Maybe it vanished ... I do n't know. I receive several phonecalls a day from the lender bombarding me to make a payment with out discussing the request that I 've put in. Th e Lender also does not show how payments are being applied to your loan. They have all other documentation on their website with the exception of this feature ( red flag to me ). I would like my payments to be switched to monthly instead of biweekly ( which the len der said is possible but my request is completely not noted ).
Consumer complaint received 2017-07-02
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

This debt collection agency is reporting wrong informatiom to my credit report. For one the date they reported the account was opened is wrong. They have also stated that they are reporting on behalf of XXXX XXXX which is false. I have a letter from XXXX XXXX which proves the statements are false as well as the dates reported. This company cant verify this debt because they have nothing in writing or nothing that I signed from XXXX XXXX as it states in the attached letter.
Consumer complaint received 2017-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

I have contacted Portfolio Recovery Associates, LLC several times starting 2 weeks ago requesting a letter for proof that I paid my debt off in full, I have a XXXX balance, and the date it was paid off. When I paid it they told me they would mail a letter with all of the infor.ation on it and I have never received mail from them other than when they wanted my money. At first I was told they can not email it. I then asked to speak with someone different and they said within 24 hours ill habe a consent email and after I " sign '' that consent they will email me what I need. 2 days later I called back because I have not received a consent email. They had n't even sent it, I then asked for a manager who sent me the consent and then i once again had to call back and get angry to receive the email i need however all that letter said is amount settled. I have called everyday this week XX/XX/XXXX to XX/XX/XXXX and still have not received what I need. Gone through 3 different managers and every time it is some kind of excuse as to why and none of them are the same. I need a letter stating i have laid my debt in full, I have a XXXX balance, and the date I paid it on.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ). 

"
Consumer complaint received 2017-07-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Dynamic Recovery Solutions, LLC (WA)

Out of the blue, I received a letter from DYNAMIC RECOVERY SOLUTION stating : I owe the Original Creditor : XXXX XXXX ( i never heard of ) Current Creditor : XXXX XXXX XXXX ( FIRST TIME I HEARD ) DRS ACCOUNT NO : XXXX ( NEVER HEARD OF ) CURRENT BALANCE : {$8000.00} I am surprised and worried that if my personal info has been hacked and now somebody has been using my ss no. I owe nobody and I have given nobody any consent or verbal written to do any transaction on my behalf neither I have done myself. <P/>I have been notified to dispute the balance in writing within 30 days after receiving this notice. I do n't know what to do? The company who sends me the notice is as follows : DYNAMIC RECOVERY SOLUTIONS XXXX XXXX XXXX XXXX XXXX, SC XXXX
Consumer complaint received 2019-09-09
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. (TN)

I have filed a dispute with Equifax and sent information in XX/XX/2019. I attached a letter from XXXX XXXX showing that the company had informed me of the removal of the false information they were reporting to the bureaus. I spoke with an agent in early XX/XX/2019 who informed me that the information I had disputed ( XXXX and XXXX XXXX ) was removed and that Equifax would send a Confirmation showing the deletions. After two weeks of not getting the response I spoke with an Supervisor at Equifax named XXXX ( Emp # XXXX ) over the weekend ( XX/XX/19 ) and he informed me that Equifax would not be sending the confirmation I had requested because the previous agent was wrong.. He said he would pull the call where this information was given out but could not say what the punishment of the agent would be.
Consumer complaint received 2019-12-14
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. (FL)

By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you. 

Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 
I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.
Consumer complaint received 2017-07-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (AZ)

Incidente date  XXXX / XXXX / 17  Card #  XXXX  Term -  XXXX  Sequence #  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  AZ - ATM address.   XXXX  I went on  XXXX  to take out  XXXX  dollars from my  XXXX  bank account  XXXX  at a Chase ATM. I requested assistance at banking center and calle d Chase and  no one has been able to help me. I need this resolved asap.   XXXX  Thank you please contact me asap  XXXX   XXXX  Or son  XXXX  -  XXXX  I gave son auth to talk about my situation  XXXX