davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (MI)

On XX/XX/XXXX at XXXX XXXX I received a text message from my bank fraud detection about and unauthorized transaction attempt using my debit card. I immediately contacted my bank and was advised that nearly 700.00 in transactions where charged at various merchants on the same day. I advised that I did not have possession of the card and I just realized it was stolen because I have not left the house for the day. She submitted the claim at the time a temporary credit was issued. On XX/XX/XXXX I received a letter from Chase stating that the claim had been denied and on XX/XX/XXXX all credits will be reversed. I contacted the fraud department to understand what happened and was advised that the charges where confirmed because I still had the card. I informed the representative that I originally said that the card was not in my possession and discovered the original claim was put in incorrectly which lead to the claim being denied. She reopened the claim and reassured me that the issue will be resolved. On XX/XX/XXXX I checked my account and noticed that all the chargers where reversed leaving me with a negative balance. I called the fraud department again who advised that reopening the claim did not stop the credits from being reversed and I the back office will have a decision by XX/XX/XXXX. I checked my account on XX/XX/XXXX to see that all my transactions that have been made since XX/XX/XXXX has received NSF fees because of the reversal putting the account even further in the negative. I called the fraud department on XX/XX/XXXX and was advised that they are disputing the payments with the merchants and if they can recover the funds I will get my money back. I was advised this can be no later than XX/XX/XXXX. I then requested a supervisor since the reason the claim was denied was due to the initial claim being entered correctly. The supervisor came to the line took my complaint placed me on hold to research and disconnected the call. I have not been followed up with by chase since the letter being told it was denied now I am placed in a difficult situation because I was a victim of fraud and improper documentation by the Chase representative with no recourse as a customer. Chase did not protect my rights as a consumer.
Consumer complaint received 2019-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (TX)

I was involved in both the XXXX & XXXX XXXX breach of security on XXXX & XXXX. Due to the both breaches my info was compromised & series of inquiries were placed on my report. Unfortunately, the inquiry placed on me were one of the unauthorized inquiry placed on my report.
Consumer complaint received 2019-09-11
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: D2 Management LLC (CA)

D2 Management with phone number XXXX is calling me all day even at work threatening me with legal action if I dont give my personal information about a debt collection. I asked them whats all about they told to do what they told me to do, I asked them for information and license of their company but he refused.
Consumer complaint received 2019-09-10
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. (AL)

XXXX and Transunion are incorrectly reporting me as an Authorized User on the XXXX/XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX. I have contacted the bureaus to remove this item however, I have not been successful. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report.
Consumer complaint received 2019-09-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: STERLING JEWELERS, INC. (NY)

In XX/XX/XXXX my credit was good, with 20+ thousand dollars I was struggling but making timely payments for a long time. Then I get this letter from XXXX   XXXX XXXX, I called their number, they tell me that they can slash the Debt in half, that they know the credit language and they they know how to talk to my creditors, they I should not fear anymore, that my credit would drop a little but that it would go back up in six months. I couldnt believe it! But what really happened was that they let all my accounts default and eventually making me lose all of my accounts that were in good standing since the beginning, they scammed me, they didnt tell me the truth. Later I was filled with collections all over the place, they advised not to talk to my creditors, after a year and a half I saw they were not getting anywhere with my debts I started making settlements with my debtors myself. At the same time I was paying XXXX XXXX XXXX to pay the people they had already settled with, at the last I was Almost finishing an account to finally graduate from the program. It was a Sterling Inc. account number : XXXX, XXXX made an agreement with the collection company by the name XXXX XXXX. The agreement was payments totaling {$1500.00}. Just as I was about to make a final payments in XXXX they drop me out of the program, I called XXXX XXXX, they tell me they have no jurisdiction over the account anymore, they gave me a number to a company by the name XXXX, I get in contact with XXXX and they tell me that the payment bounced, that thats why. But that was inconsistent because my account had sufficient funds ( {$510.00} ) they had taken the payment and put back into my account to default the settlement, they balance was {$2400.00}, when they returned the money it went back to {$2500.00}. Incidentally that was the same company that sent me letters claiming that I owe them money in the middle of XX/XX/XXXX, I found the letter suspicious, in the letter I had to dispute the Debt, I looked online how to do it and sent them a dispute letter in XX/XX/XXXX, theyve been selling this account all over the place to make me pay it, and Ive paid more than enough with all their tricks.
Consumer complaint received 2019-09-11
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (OH)

My mother XXXX XXXX XXXX whom is a XXXX year old widow on a fixed income of SSI had her monthly mortgage payments of {$600.00} to Mr Cooper account number XXXX auto withdrawn monthly and has not missed any payments since XXXX. On XX/XX/XXXX I received a letter from Mr Cooper advising that the payment for XXXX was missed. I then called the bank and found out that as of XX/XX/XXXX Mr Cooper was deducting XXXX from her account for XXXX, XXXX and XXXX after calling Mr Cooper on XX/XX/XXXX I was told by XXXX that they would look into this and call me back. I received a call back advising that the reason for the increase was due to the property taxes increasing over {$5000.00}! We never received ANY type of correspondence advising of this increase from Mr. Cooper. I then called the county and the taxes have not increased I am attaching the county tax record as you can clearly see taxes for XXXX were XXXX for the year and XXXX was XXXX for the year. This is NOT a XXXX increase as explained by Mr. Cooper. Mr Cooper then advised that they could spread the payment out over 24 months to bring the payment down to XXXX effective XX/XX/XXXX. This excessive payment of XXXX caused a financial debacle for my mom whom gets a little over XXXX each month SSI. Mr Cooper did refund the 5 overdraft payments but they took XXXX for the month of XXXX and XXXX and now she is 30 behind on the mortgage as a result of this issue. She has paid XXXX but now owes for XXXX and we are in XXXX. This is very disheartening as the home she lives in worth less than 30,000 due to the deteriorating neighborhood in which she resides. I have my home listed as the mailing address so that I can keep tabs on the finances and assist her as needed. I am also able to speak on her behalf with Mr. Cooper. I feel as though she should have been notified as Mr Cooper emails me all correspondence yet NOTHING was said about the increase in escrows. I feel this is unfair and deceptive practice and Mr. Cooper should be held accountable as now she has lates on her mortgage through no fault of her own. Please look into this as she is currently on a balloon payment with Mr. Cooper through mitigation she had completed prior to the roll out of TRID in XXXX and had not had a late payment since the mitigation. I feel she should be credited all payments from XXXX through present so that she can get financially back on her feet. All representatives from Mr CoopeXXXX were nice and understanding but this does not excuse the fact that the company policy needs to be revamped when advising consumers of increases in their payments. Thank you for your time and consideration XXXX XXXX XXXX XXXX
Consumer complaint received 2019-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (UT)

XXXX XXXX # XXXX is reporting a foreclosure I no longer owe. This is past the statute in WA and I do not legally owe the debt anymore and this account should be removed off of my credit.
Consumer complaint received 2019-09-10
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: Experian Information Solutions Inc. (MA)

I was on a vacation in XXXX and my wallet got stolen. Two of my credit cards were used at a vendor that does not exist in XX/XX/2019 for the amount of {$4300.00} at XXXX XXXX XXXX XXXX, which does not even exist if you XXXX the vendor. 

My other credit card XXXX, immediately refunded the charge, but my XXXX XXXX XXXX XXXX credit card, did an investigation and said that the chip was inserted and there was a signature, so it was not fraud. Again my card was stolen, so yes someone may have put my chip in a reader and forged a signature, but I was never even presented the signature that they saw or verified against whether it looked like mine. Additionally there is no evidence that I was ever at this place by video or picture. 

The fraud was denied and appealed 5 or 6 times, with no real explanation and then finally they told me it would not be refunded and I would have to take it up with the credit bureau. But while it was under investigation I would not be responsible for the charge. So i did not pay the balance and now my credit score has dropped from an XXXX to XXXX. And all the credit bureau said was that my credit score was fine, they did not investigate the fraud any further. 

I have finally paid the balance to reduce further drop in credit score. I need help getting this solved, getting my money back and getting my credit score fixed.
Consumer complaint received 2019-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (VA)

A freeze is supposed to remain in place until you ask the credit bureau to temporarily lift it or remove it altogether. If the request is made online or by phone, a credit bureau must lift a freeze within one hour. On XX/XX/XXXX, I made an online request to Equifax to temporarily lift my credit freeze for XX/XX/XXXX. Equifax utterly failed to do so even though it repeatedly confirmed orally and online that the freeze was lifted because my prospective lender ( XXXX XXXX ) tried repeatedly to see my credit file but said she could not do so. In disgust, I made an online request mid-day on XX/XX/XXXX to permanently lift the credit freeze. However despite repeated assurances online and over the phone, my lender could not read my credit file either on the afternoon of XX/XX/XXXX or all day today XX/XX/XXXX. 
Equifax says it lifts a credit freeze within one hour and on my online Equifax account MyEquifax it appears to do so. But practically the freeze stays on longer than that because my lender can not read it. A few minutes ago I made my sixth call to Equifax asking why the credit freeze has not been lifted. Now Equifax is requiring me to complain to them in writing and to send them my social security card and my drivers license because I supposedly can not confirm information in my credit report -- a credit report I reviewed in detail yesterday and this morning and even disputed some outdated employment information in the file today. What is wrong with Equifax?
Consumer complaint received 2019-03-09
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: Experian Information Solutions Inc. (FL)

I wrote each bureau regarding accounts that are currently reporting to my credit that are a result of identity theft and are not mine. In my request I asked them to remove these items due to them being a result of identity theft, and they have not done so and they have not responded. 

XXXX are reporting the following fraudulent accounts : XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX and Experian are reporting the following fraudulent accounts : XXXX XXXX , XXXX , XXXX XXXX/XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX I then asked them to provide proof that these were my accounts due to them not having removed them and they did not respond. Both failed responses exceeded the 60 day standard timeframe it takes for them to respond.
Consumer complaint received 2019-09-11
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL (CA)

I was offered a Store credit card by XXXX XXXX - through Synchrony Bank - I purchased goods with understanding that card will be interest-free for a certain time period - I was also under the impression that when I pay an amount every month that bank specifies, the full balance will be paid. I signed up for Auto Pay directly from my bank under the impression that monthly deduction will pay off the balance in full. 

However, lately ( XXXX 2019 XXXX, I realized a deferred Interest Charge ( net ) {$1900.00} was added to my account back in XXXX 2019 where I was under impression that I had paid in full by then. I only realized recently that Synchrony bank was charging me money every month at an interest rate of 29.99 % for over {$3000.00}. ( which is deferred interest and leftover balance ) .They say they have sent statements over emails. No one had contacted me to inform me regarding the ~ {$2000.00} charge that appeared overnight. I feel the bank didn't act in a reasonable manner before imposing a high charge and misled me through the auto-pay process and hiding behind E statements.
Consumer complaint received 2019-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (UT)

XXXX XXXX XXXX accounts # XXXX and # XXXX are paid off and are still reporting a balance on my credit. These were charged off but have been paid and it should no longer be on my credit.
Consumer complaint received 2019-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (UT)

XXXX XXXX XXXX accounts # XXXX and # XXXX are paid off and are still reporting a balance on my credit. These were charged off but have been paid and it should no longer be on my credit.
Consumer complaint received 2019-09-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (NY)

I am a victim of identity theft and I discovered that a fraudulent account that was permanently removed and blocked has reappeared on my report as a collection as well as fraudulent inquiries. I would like these items to be permanently removed and blocked.
Consumer complaint received 2019-09-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (NY)

In XX/XX/XXXX my credit was good, with 20+ thousand dollars I was struggling but making timely payments for a long time. Then I get this letter from XXXX XXXX XXXXt, I called their number, they tell me that they can slash the Debt in half, that they know the credit language and they they know how to talk to my creditors, they I should not fear anymore, that my credit would drop a little but that it would go back up in six months. I couldnt believe it! But what really happened was that they let all my accounts default and eventually making me lose all of my accounts that were in good standing since the beginning, they scammed me, they didnt tell me the truth. Later I was filled with collections all over the place, they advised not to talk to my creditors, after a year and a half I saw they were not getting anywhere with my debts I started making settlements with my debtors myself. At the same time I was paying XXXX XXXX XXXX to pay the people they had already settled with, at the last I was Almost finishing an account to finally graduate from the program. It was a XXXX XXXX account number : XXXX, XXXX made an agreement with the collection company by the name XXXX XXXX. The agreement was payments totaling {$1500.00}. Just as I was about to make a final payments in XXXX they drop me out of the program, I called XXXX XXXX, they tell me they have no jurisdiction over the account anymore, they gave me a number to a company by the name Resurgent, I get in contact with ReSurgent and they tell me that the payment bounced, that thats why. But that was inconsistent because my account had sufficient funds ( {$510.00} ) they had taken the payment and put back into my account to default the settlement, they balance was {$2400.00}, when they returned the money it went back to {$2500.00}. Incidentally that was the same company that sent me letters claiming that I owe them money in the middle of XX/XX/XXXX, I found the letter suspicious, in the letter I had to dispute the Debt, I looked online how to do it and sent them a dispute letter in XX/XX/XXXX, theyve been selling this account all over the place to make me pay it, and Ive paid more than enough with all their tricks.
Consumer complaint received 2019-09-11
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

We held a credit card account with Bank of America ( XXXX Visa ) going back to XXXX. We moved to XXXX in XXXX, but kept our US bank accounts active and had this credit card on automatic payments monthly. At some point, Bank of America sold these accounts to XXXX XXXX and our automatic payments became null and void. We were unaware of this change for a number of months due to the delay in getting correspondence to us in XXXX. We were finally made aware when a collections agency contacted us with regards to our account. At this point, we made a payment arrangement with the collections agency and paid the full balance owing on the card. 

Our credit report shows FAR more late payments than was actually the case, firstly. Secondly, the account has been paid in full. Thirdly, when I tried to resolve the matter with Bank of America, they can not even locate our account in their archives or anywhere to corroborate our account details. We shouldnt be penalized when Bank of America can not corroborate our late payments or whether or not the account was paid in full. We have all of our documentation still on file.
Consumer complaint received 2019-09-11
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Sequium Asset Solutions, LLC (MT)

repeated phone calls to my cell phone daily from Sequim Assets in an attempt to collect a debt for XXXX XXXX XXXX. I have advised multiple time not to call during my work hours as I am not able to answer personal calls during this time. I have also advised that I have had some urgent unexpected medical expenses come up and can no longer afford to make payments but will send payments to them as able. Daily calls from numerous numbers keep coming to my cell phone. Even if I have answered and spoken to someone that day.
Consumer complaint received 2019-09-11
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: Diversified Consultants, Inc. (NY)

I've contacted the company who placed the collection on my credit report twice already with no response or acknowledgement from them. This account was sold to this company after disputing with the last company that they were illegally reporting the wrong date as well on my credit report so they decided to sell it to diversified consultants now and they as well are continuing to report the incorrect delinquency date and these company continue to keep selling this account illegally restarting the delinquency dates. I ask that the CFPB have these collections removed from my account permanently.
Consumer complaint received 2019-09-11
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SUNRISE CREDIT SERVICES, INC (TX)

I have been monitoring my credit. I noticed I was constantly getting derogatory marks and looked into it. I contacted the company in question, Sunshine Credit Services on XX/XX/XXXX. I spoke with XXXX XXXX. I informed him that I had not received anything notifying me of the attempt to collect however the company had reported derogatory marks to the credit reporting agency in my behalf. I also informed him that I am a XXXX XXXX XXXX XXXX XXXX veteran, with no ability to pay. I was informed that his supervisor XXXX XXXX said the policy was to report weekly after their attempt to contact me and asked had I received a letter of intent to collect from the company. I explained I had not and asked to speak with the supervisor. I then spoke with XXXX XXXX, who was very rude as I asked about the policy and how to obtain a copy of the recorded conversation. Mrs. XXXX asked me why I wanted a copy of the conversation and told me it didn't matter they were still going to report every week, and my credit is still going to be messed up until I pay them. Also without contacting me, Sunshine Credit Services attempted, without prior authorization and/ or notification, to draft {$1600.00} from my XXXX XXXX XXXX account on XXXX XXXX. Thank God the bank noticed it and blocked the attempt, forever I had to cancel the debit card associated with the account at that time and be issued a new one.