davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

refuses to close account because XXXX XXXX XXXX people and refuses to close unless paid off first. 

secondly, refuses ( never resolved ) to remove fraudulent charges and continues to slander my good name w inaccurate info. This stops today. inaccurate reporting will be stopped thru id theft services. I will sue to correct it. 

I have had no relations w XXXX XXXX since XXXX, when I moved to XXXX. They refused to reissue my card on the ACTIVE ACCOUNT and are lying to you and FDIC w six mos dated info, as is typical to avoid lawsuits. They repeatedly do this and sent you inaccurate info. 

spurious charges were doubled, never removed and when invoking fcra rights I am penalized further. If my rights truely exist then help me fight XXXX companies like this and keep them from dodging the law. My debt is disputed for the entire card line, as also marathon ( cant prove on video charges are mine ), and XXXX XXXX XXXX ( another extortion. XXXX lawer refused to help, but wont offer me another line unless paid off. sent me a notice claiming not collecting debt as declared bankrupt. ) These are ways to deny unlawfully good credit after people have illegal acts that violate other areas of thier lives.This is taking advantage of the consumer and extortion.I will not have any CRA files from anyone ( most of which are illegal resallers ) extort my good name w false and demeaning info which is not accurate. prove to me beyond a billing statement that I owe you anything ( aka never disputed ) or the debt is not owed and must be removed. Refusal to remove inaccurate data must be XXXX w a FEDERAL CIRCUIT COURT LAWSUIT. It is not up to the consumer to do this, nor are they able. Nice move, cfpb and FTC ...
Consumer complaint received 2018-01-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BC SERVICES, INC. (TX)

I submitted original complaint to company on XXXX XXXX ; XXXX responded saying " Consumer Financial Protection Bureau RE : Complaint by XXXX XXXX - Complaint # XXXX Dear CFPB, We received the complaint from XXXX XXXX submitted through the CFPBs website and we appreciate the opportunity to respond. XXXX XXXX indicates that the balances for XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX were previously paid. XXXX XXXX XXXX XXXX XXXX listed XXXX XXXX account on XX/XX/XXXX and we sent our first notice on XX/XX/XXXX. We also sent a second notice on XX/XX/XXXX with no response. XXXX XXXX XXXX XXXX listed XXXX XXXX account on XX/XX/XXXX and we sent our first notice XX/XX/XXXX. Two subsequent notices were also mailed to XXXX XXXX in XX/XX/XXXX with no response. Our investigation finds that XXXX XXXX accounts were both billed to his insurance, but were not paid in full as he did not have medpay insurance for this automobile accident. We have been advised by the original creditors that the balances on both accounts remains due. The XXXX XXXX XXXX XXXX XXXX bill remains due and owing in the amount of {$1000.00} and the XXXX XXXX XXXX XXXX XXXX bill remains due and owing in the amount of {$3600.00}. If XXXX XXXX records reflect the accounts have been paid in full we welcome him to provide the proof needed to verify the accounts are paid. We are here to assist XXXX XXXX with resolution of his accounts and accordingly if he has any questions we welcome him to contact us directly at XXXX. Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX '' XXXX ; I would appreciate if I did n't have to wait several years for this to simply fall off on it 's own ; however given the circumstances of my accident ( Which was not my fault ) I was told several times that this was handled and taken care of ; If it 's infact true ; that original creditors attempted to bill my insurance ; the other driver should have been billed my medical bills as I was in an unfortunate accident which was not my fault. 

I would like to request that you remove both of these from my credit report ; I am happy to wait the time frame as well if there 's no other options ; however I 'd appreciate if you dig into this case a bit if you have that ability so that you could see the reality of the situation. My passenger ( Climbing Friend ) had all of his medical bills taken care of and has never had any issues ; so there should be no difference with myself. 

Please remove this.
Consumer complaint received 2018-01-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: United Revenue Corporation (TX)

I submitted a complaint against United Revenue Corporation back in XXXX over a {$330.00} debt they are claiming has not been paid, XXXX 's response was " United Revenue Corporation ( URC ) is dedicated to investigating, verifying, and validating any account that may be disputed by a consumer. In response to this complaint, URC searched our records and then contacted our client to ascertain if any payment had been received. Neither our client nor this office has received any payment whatsoever on this account. In order to refresh the consumers memory, URC obtained an itemization of this account and mailed it to the consumer at the address he provides in this complaint. A copy of the letter is attached to our response as XXXX XXXX. URC has reported the account as disputed to XXXX but we confirm that the account and our report have been investigated and both are completely accurate. If XXXX XXXX can locate any information that would shed light on his assertion that the account has been paid, URC will reinvestigate. '' After reviewing this further ; I prefer to not have to wait until XX/XX/XXXX for this to fall off my credit when this is something that has been taken care of ; I unfortunately do not keep phone records from years ago ; and have no was of proving that this has been taken care of ; After diligent research Multiple experiences have occurred where this company has not been fully transparent and I simply want to resolve this claim, After seeing the " F '' rating on BBB ; and reading multiple accounts of people who 've had issues ; I simply am attempting to resolve this ; and am requesting that this company closes the account ; and removes this from my credit report as it should n't have ever been on my credit report to begin with. 

Please consider my request ; I really do not want to have to wait until XX/XX/XXXX for this ; but I will not pay for something twice. United Revenue Corporation should have never been sold this debt ; and have also been placed in an unfair position, However I still request that you assist me in resolving this and remove it from all credit agencies.
Consumer complaint received 2018-01-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (WA)

On XXXX XXXX 2017, I attempted to buy tickets online to a football game from a person using the alias XXXX XXXX. I submitted a payment using XXXX with XXXX on my Chase Mobile App to  XXXX in the amount of {$250.00}. Unfortunately, XXXX never transferred the tickets to me. One hour after making the payment, I called Chase Bank to report the fraud. At that time, Chase told me that the transaction had already been funded, and thus, they could not stop payment to XXXX 's account. Chase then opened a claim, and tried to receive the money back from XXXX 's bank. On XX/XX/XXXX, I received an email from Chase, stating, " We researched your claim and determined that the transactions are valid, so they will remain on your account. '' On XX/XX/XXXX, I filed a police report with the XXXX Police Bureau in hopes of catching " XXXX '' and getting my money back. On XX/XX/XXXX, I called Chase again with the request to reopen my claim and look into my police report. The woman I spoke to in the claims department reiterated that since I initiated the transaction, it was not considered fraud. She also said that a claim had been filed with XXXX 's bank, but that bank would not refund my account since the transaction had been funded. She would not share which bank XXXX uses, so I can not go after that bank in order to get my money. She also refused to consider my police report and did not write down my case number. I was basically told that it was my fault, and I needed to resolve things outside of Chase Bank. I, unfortunately, have no other way to resolve things because 'XXXX XXXX XXXX wo n't respond to any of my messages. I know {$250.00} is n't much money to Chase Bank, so I would like them to return my money.
Consumer complaint received 2018-01-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

On XXXX XXXX, XXXX I filed a dispute with all 3 Credit Bureaus about a Fraudalent Account on my credit report with XXXX XXXX XXXX with a {$610.00} Negative Balance. Two of the Credit Reporting Agencies removed the account and one did not. However all 3 of them removed a Positive and good Credit account that my wife and I have with XXXX XXXX with a {$2500.00} balance, a card opened in XXXX XXXX. This has drastically affected my score and it 's hindering me from refinancing a 4.5 acre 4500 sq ft building that I own and trying to refinance. They all refuse to put the account back on my credit report and all told me to contact XXXX XXXX. I did contact XXXX XXXX and they said all 3 of the bureaus should stand up to their mistake and put the account back on my credit. The account number is : XXXX XXXX XXXX XXXX
Consumer complaint received 2018-01-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (CA)

Company involved : American Express I 've received an offer on my American Express XXXX XXXX XXXX card via email on XX/XX/XXXX. The offer is to add up to 4 additional users, spend {$250.00} on each of the card, and receive {$25.00} statement credits. 
I added all of the four additional users via the links on email, completed the purchase agreement on XX/XX/XXXX, XX/XX/XXXX ( on two cards ) and XX/XX/XXXX, respectively. But so far I only received one reward ( {$25.00} ) on XX/XX/XXXX ( which is indicated as " XXXX {$25.00} Statement Credit '' on the XXXX statement ). I 'm still waiting for the other three ( {$75.00} total ). 

During the process, I also received a lot of disruptions about " insufficient information '' on those 4 additional user accounts. I 've contacted Amex customer service THREE ( 3 ) times via online chat trying to provide the information. Each time the agent confirmed that information was updated successfully, but I kept receiving the same emails over and over again. ( I have screenshots of the last conversation where the agent confirmed all information was updated correctly ) So eventually those 4 additional user accounts were all closed after 60 days of open. 

Then, I contacted them again about the missing rewards ( 3 * {$25.00} = {$75.00} ),  the chat agent stated that they will start an investigation on this matter, also confirmed that I will still receive the rewards if the result is in my favor. ( I have statements proving all 4 four cards have met the spending requirement, also the screenshot of the chat agent confirming the above words. ) Amex keeps saying the investigation will take up to 8 weeks, but yet 10 weeks have passed and nothing was confirmed. I contacted them again on XX/XX/XXXX ( See how long it has been ), the only thing they do is, again, stalling, and saying they will need another 1-2 weeks. 

This is basically the process and why I 'm filing the complaint : Primary reason : Missing rewards for {$75.00} ( 3 * {$25.00} ) that was supposed to credit my account long time ago. 
Secondary reason : I keep updating the account information three times but still those accounts were closed due to insufficient information. 
If applicable, please focus on the primary reason.
Consumer complaint received 2018-01-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: DISCOVER BANK (NJ)

On XX/XX/XXXX I request a investigation of unauthorized transaction to Discover Bank for the amount of {$810.00}. I sent to them prove documentation over fax three days later that they request by mail letter. they promise to investigate and refund my money. Today XX/XX/XXXX I return a phone call to know the latest for my case. Now they change the history they ca n't do anything.I have in my power all the papers and fax confirmation that I sent to them.
Consumer complaint received 2018-01-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TD BANK US HOLDING COMPANY (CT)

Trying to send money to XXXX account. But td bank does n't not recognize them and can not send money with them by account number and routing number. XXXX is fdic insured for XXXX how can TD bank not recognize them?
Consumer complaint received 2018-01-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (FL)

The company failed to validate the debt, which is a violation and in return deleted it from my XXXX tradeline but then in return added it to my XXXX without properly validated the debt, in which a written notification of debt validation was submitted on X/X/2018.
Consumer complaint received 2018-01-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I paid a merchant for a service which was not provided ( XX/XX/XXXX ), but more damage created. Original service was for ~ {$500.00}. After " repairs '' I was facing ~ {$1400.00} in repairs, after 2 other opinions. I filed a dispute with BOA ( XX/XX/XXXX ) and supplied all required documentation to dispute charges. BOA refused to contact merchant and gave a list of excuses why they would not process the dispute ( 2nd opinion not on letter head- I had 2 second opinions 1 quote one paid invoice ), they were not signed ( they were typed on company invoices with technician name and company info ), they did not have cause for damages ( quote and invoice specifically describe what was wrong and how it created additional damage ), merchant was not described in second opinion ( quote stated " previously repair was done incorrectly and caused " parts '' to sieze up damaging " parts '' and requiring " parts '' replacement. Quote was same day and 28 days after merchant " repairs ). BOA refuses to help settle ~ {$500.00} disputed charges and failed to reply within 30 period stated.
Consumer complaint received 2018-12-04
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. (NJ)

To Whom it may concern : I have spent the year trying to fix the inaccurate, incomplete, and unverifiable errors within my account from Experian. I have called them and told them personal to fix the issue but has not. I have recently send them mails asking to fix the issue. Still no change. The credit bureaus must obey many laws, including the fair credit reporting act ( FCRA ). And according to the FCRA, an item on your report MUST be removed if it is any of the following : I am writing this so Experian, XXXX, XXXX  can update/correct my personal information on file with their company. 

Please updated my address to : XXXX XXXX XXXX XXXX XXXX, NJ XXXX Please updated my name to : XXXX XXXX My only social security number is : XXXX My only and corrects date of birth is : XX/XX/XXXX My only employer is : XXXX XXXX I do not wish to have any telephone number on my report. 
Please remove all the other addresses off my report, as they are not deliverable to me by the U.S. post office, and they are not reportable as per the FCRA since they are inaccurate.

Due to this issue of inaccurate information within my account from experian : It has damaged my personal credit score. Accumulated hard inquiries due to inaccurate account info from Experian. Has provided the wrong name to banks, companies, lenders, when applying for credit.This issue has wasted so much of my time and has effect my business to move forward. Lost time is never found. 

Also while checking my most recent report, i noticed credit inquires that i did not authorized, made by the following companies ; and they were also provided inaccurate, incomplete, and unverifiable information from Experian when checking my credit. 

Company and Inquiry date 1.XXXX/XXXX  & XX/XX/XXXX.

2.XXXX/XXXX  & XX/XX/XXXX 3.XXXX  XXXX  XXXX4 & XX/XX/XXXX 4.XXXX  XXXX  & XX/XX/XXXX 5.XXXX  XXXX  & XX/XX/XXXX 6.XXXX  XXXX  & XX/XX/XXXX 7.XXXX  & XX/XX/XXXX I did not authorized anyone employed by the these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act section 161b and a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authoring an inquiry. In the absence of any such documentation bearing my signature, i formally request that these fraudulent inquires be immediately deleted from the credit file that you maintain under my social security number. 

My contact information is as follows : XXXX XXXX email : XXXX Address : XXXX XXXX XXXX XXXX XXXX, NJ XXXX
Consumer complaint received 2018-12-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (PA)

In a response to a CFPB complaint, I received the following response on XX/XX/18 ; ... your request to exit IBR has been cancelled and reversal of interest capitalization is in process. Also, you have been approved for renewal of IBR effective with the XX/XX/2018. 

After a period of waiting for the reversal of interest, I emailed the company on XX/XX/18. Ten days later, on XX/XX/18, I was told the following : Unfortunately we are unable to uncapitalize the interest since this application was processed as per your request.
Consumer complaint received 2018-12-04
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Shellpoint Partners, LLC (CA)

Background Information On XX/XX/XXXX my mortgage was transferred from XXXX XXXX XXXX XXXX to Shellpoint Mortgage Servicing. 
In XX/XX/XXXX the mortgage amount from {$1600.00} was increased without any written explanation to {$1600.00}. 
I called Shellpoint at XXXX and asked for the reasons on the increase. The reasons I was given were the increased property tax by XXXX County and the hazard insurance. 

Complaint no. 1. 
Keeping the increased monthly mortgage amount by Shellpoint without substantiation. 
Although a supplemental property tax increase has occurred, the increase was incorrectly done by the assessor 's office. The Assessor 's of XXXX County cancelled the increase on XX/XX/XXXX and XX/XX/XXXX. 
Shellpoint is refusing to correct the monthly payment from {$1600.00} to {$1600.00} as it was transferred from XXXX to Shellpoint. 

Complaint no. 2 Escrow Impound Account to include Property Tax and Hazard Insurance. 
Shellpoint, previously XXXX, previously XXXX XXXX XXXX, previously XXXX XXXX, previously XXXX XXXX XXXX established an escrow account to collect for property tax and hazard insurance. It is pathetic how many times my mortgage was sold to investors, creating utmost processing confusion for this property owner. 
My hazard insurance is paid through the home owners association monthly fee. There is no need to collect for it. 

The property tax has always been paid for by this property owner. 
Shellpoint contracted with XXXX, a local company to process the property tax payments for my property. This is negatively impacting this property owner for the following reasons : a. ) The Property Tax Bill is mailed to XXXX. The property owner is not receiving it. The property owner has no first hand knowledge regarding the appraised value of the property for the year XX/XX/XXXX-XX/XX/XXXX. 
b. ) The property owner is denied of the XXXX County property tax appeal process. 
c. ) Should the servicing companies like XXXX and Shellpoint declare bankruptcy, this homeowner will loose his/her escrow deposited dollar amount. 

Complaint no. 3 Shellpoint tries to collect an extra monthly mortgage payment by claiming that the XX/XX/XXXX payment was missed by the property owner. I spoke with Shellpoint at XXXX. I provided the check number and date the check was cashed by XXXX XXXX XXXX dba Shellpoint Mtg. Srv. on XX/XX/XXXX. Shellpoint is unable to find the payment. Shellpoint will not correct their files if I do not provide a copy of the cancelled check. 
I believe it is Shellpoint 's responsibility to keep track of the payments. It appears that Shellpoint 's XX/XX/XXXX mail demand letter with penalties and threats to collect extra money is without merit.
Consumer complaint received 2024-11-09
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. (IL)

I am a victim of Identity Theft stemming from both the XXXX data breach and the XXXX data breach, in which my personal information was compromised and subsequently misused without my knowledge or consent. On XX/XX/XXXX, XXXX publicly disclosed that on XX/XX/XXXX it had suffered a significant data breach due to Hackers, with a revised announcement in XX/XX/XXXX stating that all three ( XXXX ) XXXX of its accounts were affected and the names, email addressed, phone numbers, birth dates, passwords, calendars and security questions of its account holders were compromised. On XX/XX/XXXX, XXXX disclosed a major data breach between XX/XX/XXXX and XX/XX/XXXX that exposed consumer data, including names, addresses, phone numbers, email addresses, and potentially other sensitive personal information. Due to these breaches, I have reason to believe that my personal data was used to open unauthorized accounts in my name. These fraudulent accounts consist of a personal auto loan account opened with XXXX XXXX XXXX on XX/XX/XXXX, a personal auto loan account opened with XXXX XXXX XXXX on XX/XX/XXXX, a rental apartment/lease account opened with XXXX XXXX XXXX on XX/XX/XXXX, a personal credit card account opened with XXXX XXXX on XX/XX/XXXX, a personal mobile phone account opened with XXXX on XX/XX/XXXX, a personal utility cable account opened with XXXX XXXX on XX/XX/XXXX and hard inquiries with XXXX XXXX XXXX on XX/XX/XXXX, with XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX, with XXXX XXXX XXXX  on XX/XX/XXXX, and with XXXX XXXX XXXX on XX/XX/XXXX. These accounts have resulted in several fraudulent collections, closed accounts, and multiple fraudulent hard inquiries appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. I have attached a copy of FTC Identity Theft Criminal Complaints ( # XXXX ) and ( # XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of Identity Theft and Fraud.