davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-13
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: JPMORGAN CHASE & CO. (CA)

I was charged {$1900.00} on my Chase credit card by XXXX for damage done to a rental car. XXXX has not provided me any paperwork proving the damage. 

You see, Chase is also the insurer of the damages as Chase as that is a benefit of the Chase card. 

I disputed the charge and asked for proof of loss that Chase. The same proof that Chase requires from me. 

Chase said it would not allow the charge to remain while the dispute was active. But instead of getting proof from XXXX of the charge, Chase just reinstated the charge back to me requiring proof of the charge from XXXX. 

You see it is in Chase 's best interest not to require the merchant, XXXX, to provide the proof of the charge/damages because if the merchant, XXXX, provides the proof then Chase will have to pay as part of its card benefit. 

So I do not have adequate proof of the charge from XXXX in order to make Chase pay its claim under the cards benefits and Chase is not requiring proof of the charge from XXXX as it is in Chase 's best interests that XXXX not produce proof of the charge. 


So either the charge is not valid and I win the disputed charge or the charge is valid and Chase pays the claim under its ' benefits. But Chase is not requiring XXXX to show the charge is valid and is keeping the charge against me so that I can't file a claim under the Chase card 's benefits provision. 


In other words, Chase did not treat my charge dispute properly. Instead of making XXXX prove the charge, Chase closed the dispute without making XXXX produce proof. 

The motivation for this is that if Chase did require XXXX to produce the proof, then Chase would have to pay under the insurance benefit. 

Attached is a letter dated XX/XX/2018 from Chase 's XXXX XXXX where XXXX is trying to make me produce the proof of the charge instead of XXXX. 

Also, Chase through XXXX XXXX kept repeatedly trying to tell me this information verbally over the phone but would not let me record the conversation while insisting that Chase would record the conversation.
Consumer complaint received 2018-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Hello, I clicked on annual reporting site to get my free annual credit score. The site stated that I am entitled to get one free reporting per year. I was able to obtain my credit report, however, when I clicked on my credit score, it would route me me to TransUnion account, where it would ask me again for my email address. When I entered my email address, it would yet take me to another screen, where I was asked to enter all my information again, which I did. Then the final filed, it says to enter my Credit Card information. If I am entitled for one credit report a year, why am I being asked to enter my credit card information? I logged out and tried to sign on again, but it gave me an error message, I guess since I used the system once, it would let me continue, unless I enter a credit card number. 
Thank you for your help! 
XXXX
Consumer complaint received 2018-10-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Kimball, Tirey & St. John LLP (SC)

Dear, CFPB I am making a complaint for XXXX, XXXX, XXXX, and Kimball tirey st John.  There is a debt from the creditor which is kimball tirey st John original creditor which XXXX XXXX XXXX XXXX in XXXX XXXX XXXX I have a document saying the creditor agreed to delete this account. As of today it is XX/XX/XXXX XXXX, XXXX, XXXX  has not deleted the account which is violating FCRA statue of limitations and can possibly be sued and fined for {$1000.00} per each. I am having difficulties with all 3 bureas and creditor that agreed to deleted in it's still not deleted as agreed. They also increased the balance to damage my report after they agreed to delete, what they do is increased and decreased which damages a score. This is a violation under the credit act.. This must be deleted immediately. I will upload the page from XXXX and current updates for my proof in case I have to proceed with litigation and violation fines.
Consumer complaint received 2018-08-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

A negative mark was put on my credit report for missing the annual fee for the credit card. I call and explained that I didn't realize the fee. If the fee isn't paid the card should be canceled and not report as delinquent. No payment was ever missed for actual credit card use on purchases, and the fee was addressed as soon as realized. I am looking for the negative remark to be removed.
Consumer complaint received 2018-10-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NAVY FEDERAL CREDIT UNION (GA)

Current balance of loan reporting over {$4000.00} when balance should be {$2800.00}. Set up settlement for payment of {$1700.00} to be paid however the first representative stated balance was XXXX and they would accept XXXX. Called to verify a few weeks later before payment and the representative stated balance was now over {$4000.00}. Would like balance to reflect {$2800.00} as stated by previous representative before payment made and account removed from reports.
Consumer complaint received 2018-08-13
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: JPMORGAN CHASE & CO. (CA)

Signed up for an XXXX Credit Card with Chase. Met the spending the requirement to get the promotion miles bonus. Earned around XXXX miles which showed in credit card Statement. However, those miles never posted to my account. Called three times in XX/XX/2018. Sent secure message in XX/XX/2018. However, the problem is still not solved.
Consumer complaint received 2018-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (VA)

I have sent several letters to Equifax along with proof to validate my claims. I have also written to you several times about Equifax reporting practices. I have now on the most recent file they sent me a incorrect address, Public Record, and two items from a collection agency. I have sent letters proof and made phone call to them on XX/XX/2018 and they have failed to correct the errors. On XX/XX/2018 my report listed six collection agencies with no Name of the original creditor and several of them with a XXXX  amount. I sent in a copy of the letter where from the state where the account was paid in full to the original creditor. I asked them to send me who, what, proof of how they verified the Public Record. This Florida address is new because that was not on the report they sent two weeks prior. Enclosed is another letter I sent them.
Consumer complaint received 2018-10-10
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Fraudulent loan
Company: TOYOTA MOTOR CREDIT CORPORATION (TX)

I signed a lease for 36 and had trade in which and cash back from dealer. In signing I was required to pay first month lease. In the process of this loan there appear to be more then 36 mos of payments and the amount for down payment and first month payment is not included. Also the down is not reflecting the amount and trade value is not included. I also want to address the warranty is being denied by XXXX and my car have mechanical problems and is under warranty and they refused to service my car based on the agreement I signed with this lease. Presently still have car with warranty issuse and they have not corrected the matter. I filed lemon law and they still refused to service my car. I'm want to address filed a breach of contract against XXXX XXXX XXXX.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (GA)

Experien Membership # XXXX I have tried reaching Experien via telephone numbers given for them ( XXXX ) XXXX and ( XXXX ) XXXX for two weeks but their prompts keep asking same questions and I cant get anyone to help. I also went on their website experien.com to see if I could get any help there- no success. I wrote a letter to them on XX/XX/year> but still no reply! All I want to do is CANCEL my membership and not be charged anymore.
Consumer complaint received 2018-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: First Federal Credit Control, Inc. (NM)

I got alot of different Medical debt that keeps showing up on my report under new postings despite some if it is 5-7 years old Also got a bank reporting and its been 12-15 years since i've had an account with them XXXX XXXX XXXX Last reported : XX/XX/2018 {$1600.00} Needs Attention XXXX XXXX Last reported : XX/XX/2018 {$1000.00} Needs Attention FIRST FED CREDIT CONTROL Last reported : XX/XX/2018 {$1000.00} Needs Attention XXXX XXXX Last reported : XX/XX/2018 {$710.00} Needs Attention XXXX XXXX Last reported : XX/XX/2018 {$340.00} Needs Attention XXXX XXXX XXXX XXXX Last reported : XX/XX/2018 These are just to bring a few.
Consumer complaint received 2018-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Commonwealth Financial Systems, Inc. (NM)

I got alot of different Medical debt that keeps showing up on my report under new postings despite some if it is 5-7 years old Also got a bank reporting and its been 12-15 years since i've had an account with them XXXX XXXX XXXX Last reported : XX/XX/2018 {$1600.00} Needs Attention COMMONWEALTH FINANCE Last reported : XX/XX/2018 {$1000.00} Needs Attention XXXX XXXX   XXXX XXXX Last reported : XX/XX/2018 {$1000.00} Needs Attention COMMONWEALTH FINANCE Last reported : XX/XX/2018 {$710.00} Needs Attention XXXX XXXX Last reported : XX/XX/2018 {$340.00} Needs Attention XXXX XXXX XXXX XXXX Last reported : XX/XX/2018 These are just to bring a few.
Consumer complaint received 2024-07-30
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (CO)

It has been brought to my attention that Midland never received a bill of sale for debt they sued for. I inquired this information because another debt collector tried to collect the same debt. 
Amount paid doesn't included wage garnishment from multiply employers.

Midland obtained a new judgement without proper notification in writing, court house told me they have not had anything filed against me since XXXX XXXX XXXX XXXXXXXX is from XXXX. 
Not willing to work agreement, per letter from earlier this year. Threatenings, rude, illegal practices all the way around Still have not received written notification of bank garnishment.
Consumer complaint received 2018-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SELECT PORTFOLIO SERVICING, INC. (NJ)

select portfolio servicing mortgage has reported to the credit bureaus that my mortgage has been flagged as modified under a non federal government plan. 

i am not aware of this, i have received nothing pertaining to this select portfolio services and it has negatively effected my credit score i want this removed
Consumer complaint received 2018-10-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: SUNTRUST BANKS, INC. (CA)

XX/XX/XXXX - Current student loan principal balance : {$35000.00}, with interest : {$45000.00} XX/XX/XXXX - Original student loan principal balance : {$12000.00}. 


XX/XX/XXXX - Department of education sells my loan to Suntrust. 
XX/XX/XXXX - Suntrust DOUBLES my principal balance, claiming it to be a finance charge. 


Started as a {$13000.00} loan, I have made AT LEAST {$13000.00} in payments ( NOT OF WHICH ALL HAVE BEEN ACCOUNTED FOR ) and I now will end up paying an additional {$100000.00} to repay this loan in full. This does not seem legal at all! How can Suntrust legally double the principal of my loan under the guise of 'finance charge '?
Consumer complaint received 2018-10-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Midwest Recovery Systems (LA)

I was notified by Midwest Recovery Systems, LLC. of a debt of {$1700.00} forwarded to their office for collections by XXXX XXXX XXXX for collection of debt. The referenced debt is for professional medical fees generated by an emergency admit ( dos XX/XX/2014 ) to XXXX XXXX Hospital which is a VA approved medical facility. All entities was billed and processed for payment except it seems for the original provider XXXX XXXX XXXX XXXX. The claim was resubmitted to XXXX XXXX Billing Dept. and  processed for payment. Attached are the explanation of benefits and a letter from the Veterans Administration informing the various entities that the payment received represents payment on full for services rendered. I am a XXXX XXXX veteran listed as XXXX XXXX XXXX and as such I do not generate any patient financial responsibility for claims generated by any VA facility.
Consumer complaint received 2018-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

XXXX XXXX and XXXX XXXX XXXX  can not collect this money again for an account that was settled with the original creditors ... this is against F.C.R.A. law ; original creditors informed me that they did not verify these accounts ... Consequently, litigation will follow if they are not removed ... no contracts exist, and this is false and inaccurate reporting, please update your system, and do away with erroneous XXXX   verification that is causing so many consumers trouble
Consumer complaint received 2018-09-19
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: BOK FINANCIAL CORP (CO)

On XX/XX/XXXX I was XXXX overseas. Unfortunately when first arriving in country my pay was delayed for several weeks due to an accounting error that was beyond my control. During this time I was unable to make my mortgage payments also due to limited internet and computer access I missed another payment. I have notified my mortgage company that I am on XXXX XXXX military status and this had little to no affect. I was hit with numerous late fees, endless phone calls and they have greatly impacted my credit. The missed payments were out of my control due to delay in my pay. 
In XX/XX/XXXX I spoke with XXXX XXXX, VP, Loan servicing. During this conversation XXXX assured me that when I returned home, got my pay situation handled and got caught up on the mortgage at this time XXXX XXXX XXXX would update the report and change the late reporting to the bureaus as a sign of good faith. Unfortunatley XXXX XXXX is no longer with XXXX XXXX XXXX and I can not get anyone to return my calls. I have made several calls and nothing has been resolved. 
I have been with XXXX XXXX XXXX mortgage for 10 years and have never missed a payment. The only payments that were missed were XX/XX/XXXX and XX/XX/XXXX, however XXXX XXXX XXXX reports 30,60, and 90 day late payments all the way through XX/XX/XXXX. I made full and complete mortgage payments every month expect except for the two months XX/XX/XXXX and XX/XX/XXXX.
Consumer complaint received 2018-09-19
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. (LA)

Equifax is refusing to remove fraud accounts from my credit report. Even when I have retained an attorney to assist me in resolving this matter they still will not act. I have sent tons of documents and police reports in support that I have been the victim of ID THEFT and have all the fraud accounts listed. Equifax continues to violate the FCRA. the following items are fraud and need to be removed ASAP. 
1.XXXX XXXX XXXX Account XXXX XXXX  ( acct has been verified as fraud from the original creditor, so how is this still begin reported???? ) 2.XXXX Account XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX   XXXX Account # XXXX XXXX XXXX XX/XX/XXXX XXXX # Account XXXX Date Opened XX/XX/XXXX XXXX
Consumer complaint received 2018-10-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC (DE)

Transworld Systems has reported a collection account on my credit report I didn't know was there. I've never received any information or had any contact with this company about this collection account. I have not been given any opportunity to verify the validity of this alleged debt nor have I gotten the opportunity to dispute the debt with the company. I submitted a dispute with TransUnion credit reporting agency and of course they say the company has validated the debt. I have no idea how that is even possible since I have not been in contact with this company nor have I been provided with any information regarding this debt. Transworld Systems has illegally reported this alleged collection account on my credit report and is in direct violation of the Fair Debt Collection Practice Act and the Fair Credit Reporting Act!
Consumer complaint received 2018-08-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Solomon and Solomon, P.C. (ME)

Solomon & Solomon XXXX XXXX XXXX XXXX NY XXXX Tel : XXXX Alleged balance owed : {$460.00} Original Creditor : XXXX XXXX XXXX
Consumer complaint received 2018-08-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (CA)

Specialized Loan Servicing ( SLS ) is ignoring the " Qualified Written Request '' under Section 6 of the Real Estate Settlement Procedures Act ( RESPA ). The request was submitted to them several times and as of this date, it has been ignored. This urgent matter has been ignored by SLS. All they care about is to take our home on XX/XX/18.
Consumer complaint received 2018-08-13
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ERC (WI)

I sent my first attempt for debt verification XX/XX/XXXX asking to provide me with proof of a signed signature with ERC which they failed to provide. I sent a second attempt for debt verification on XX/XX/XXXX asking again to provide proof of a signed signature with ERC since they are the reporting agency on my credit report. The negative information was removed but then later reinserted between XX/XX/XXXX and XX/XX/XXXX according to XXXX XXXX and XXXX XXXX credit monitoring services. I sent a third attempt for verification sent on XX/XX/XXXX asked to have the negative files removed since they failed to provide proof of my signature with ERC. I finally sent them a letter which would be my final attempt on XX/XX/XXXX informing them of the actions I have to take since they're doing illegal practices by updating the date of insertion with a different name now listed from ERC to XXXX XXXX XXXX on credit files between the dates of XX/XX/XXXX and XX/XX/XXXX according to XXXX XXXX and XXXX XXXX credit monitoring.
Consumer complaint received 2018-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

I have noticed that XXXX XXXX have placed an inquiry on my Experian and XXXX   credit file dated XX/XX/2018. When i was aware of this i contacted both Credit Bureaus and was told by the fraud team they cant dispute unauthorized hard inquiry 's. 

As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC? 1681b ) for an entity to view a consumer 's credit report without a " permissible purpose, '' I am writing to inquire as to your alleged purpose, for doing so since I did not apply for employment with your organization nor did I request credit from your organization. 

Both XXXX  and Experian report that you pulled a hard inquiry. 


Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC? 1681n ( a ) ( 1 ) ( B ) states, in part, " in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure are {$1000.00}, whichever is greater ; '' You are civilly liable to me in the amount of {$1000.00} for your willful violation of the law -- performing a " hard inquiry '' on my XXXX and Experian file without my permission. I do hope that we can settle this matter amicably.

You can remove the inquiry within one ( 1 ) business day of the receipt of this notice. Or, we can meet in court where you will end up removing the inquiry, paying me the civil liability fine, punitive damages for my score drop, plus court and attorney fees.
Consumer complaint received 2018-08-13
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. (UT)

XXXX XXXX is reporting an account for XXXX XXXX XXXX on my credit that is not mine. I've filed police reports and the fraud dept determined that it was someone in North Caroline who opened the account. I live in UTAH and have always lived in Utah. This is not mine & I have never had a collection on my credit nor have I ever had XXXX XXXX XXXX.