davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

Chase Business Card Services contacted me in early XXXX saying they needed to verify my company 's legal status. According to them, I could do this by submitting either my social security number, my companies ' FEIN, or resale number. I believe there was a XX/XX/XXXX deadline to provide this information, or else my account would be closed. 

I called Chase in late XXXX / early XXXX and spoke to a customer relations person. I gave that person my company FEIN, and was told that ( for some reason unknown to me ) they were not able to verify the information I gave them. The person then asked me to fax them documentation that included my company FEIN, such as a tax return or a business license, which included my company resale number. I did so on XX/XX/XXXX by faxing them my company business license, which included my company resale number AND my company FEIN. I have proof of sending this fax. 

So, I submitted the information they requested WITHIN their time deadline. 

I received a letter from Chase dated XX/XX/XXXXsaying thank you for submitting the documents they requested, but that the information was not complete and my account will remain closed ( it should not have closed in the first place ). 

I want my account re-opened. NOt only does my company need access to credit, there is now information in my companies credit profile that states credit has been taken away by Chase, which ofcourse is detrimental to my company. I have been current in all my credit accounts, personal and business, including the account in question.
Consumer complaint received 2017-10-31
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: Experian Information Solutions Inc. (FL)

This is a complaint against XXXX, inquiry date : XXXX XXXX/2017. I am a victim of identity theft and did n't authorize this inquiry in my credit report. This situation has me very stressed because this is a fraudulent account that was initiated without my permission.
Consumer complaint received 2024-11-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2017-10-31
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. (FL)

This is a complaint against XXXX, inquiry date : XXXX XXXX2017. I am a victim of identity theft and did n't authorize this inquiry in my credit report. This situation has me very stressed because this is a fraudulent account that was initiated without my permission.
Consumer complaint received 2017-10-31
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO. (CA)

On Saturday, XX/XX/XXXXmy roommate transferred me {$2000.00} using the Chase mobile banking app, as she had done many times before. I have a Chase bank account so the transfer should have gone through immediately, as it is supposed to. 
About 30 minutes after, I get a text from XXXX XXXX XXXX saying that my account will be credited this {$2000.00}. I do n't have a XXXX XXXX XXXX account so this was my first red flag. 
We both went into a Chase and they said not to worry and just to wait a few days. 
After a few days, we contact Chase and they say we have to contact their claims department to get the money back. 
My roommate does so and they deny the claim several days later, saying it went into a XXXX XXXX XXXX account and that XXXX XXXXXXXX XXXX has to do something. 
For the next two months, we go back and forth between XXXX XXXX XXXX and Chase trying to get our money back. Each one blames the other and both lead us on wild goose chases through a chain of phone calls. 
The transfer was done using XXXX, which is a third party company that Chase and many other banks use so we also contact them after giving up on Chase and XXXX XXXX XXXX. 
Both XXXX and XXXX XXXX XXXX say this is a Chase problem since it was done using their app and since we are both Chase customers. 
Chase refuses to handle it since they said everything was " done right on our end '', even though clearly not since both of us are out {$2000.00}!!!!!!! They say that it has something to do with my phone number and that even though I had updated it on the app, it did n't go through ( which i was NEVER made aware of! ) because it is linked to a XXXX XXXX XXXX account, even though I have had this number for over 1 year. Regardless, a bank transfer should never go through using someone 's phone number!!!! 
They make me think it is fraud so we go and file a police report with the XXXX XXXX Police Department who then tries to get in touch with both XXXX XXXX XXXX and Chase. 
Both banks STILL wo n't cooperate even with the police! 
I even called the Chase Executive Customer Service number and submit a complaint on the XXXX of XXXX and have yet to hear back from them. They are absolutely refusing to cooperate, even though it was their app that made us lose our money. 
Please help!!!!!!!
Consumer complaint received 2017-10-31
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC (NY)

For the fourth time, XXXX XXXX XXXX XXXX has given my identity and private information to another collecting agency. I have solved disputes due to collecting agencies ' and XXXX XXXX XXXX XXXX 's failure to verify debt. 

On XXXX XXXX, XXXX, I received a letter from Phoenix Financial Services LLC demanding XXXX dollars. 

The account number is XXXX, Creditor Account Number is XXXX, Original Creditor is XXXX XXXX XXXX XXXX and date of alleged service is XXXX/XXXX/XXXX. The letter informs that XXXX XXXX XXXXXXXX XXXX XXXX, current creditor, purchased the account and has placed the account with Phoenix Financial Services LLC for collection. 

So, for the fourth time I do not owe such debt because I never received such services. 
I am disputing the above-referenced debt. Please verify this debt as required by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Section XXXX ) and New York City Administrative Code ( section XXXX ). New York City regulations require all debt collectors to send specific written documentation verifying the debt. Under section XXXX of the Rules of the City of New York, verification requires all of the following : Proof of my agreement to pay the original creditor ; A copy of the final account statement issued by the original creditor ; A breakdown of the total amount due, showing principal, interest, and other charges ; and For all other charges, the date of and basis for each charge I dispute this debt because I DO NOT OWE THE DEBT nor RECOGNIZE SUCH DEBT, I AM A VICTIM OF IDENTITY THEFT and according to the information you sent me I never received such service for which Im being charged in the first place. 
Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported this debt to the credit reporting agencies PLEASE NOTIFY THE CREDIT REPORTING AGENCIES THAT THE DEBT IS BEING DISPUTED AND/OR DELETE THE TRADELINE FROM MY CREDIT REPORT. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the XXXX and the XXXX XXXX XXXX XXXX 
Aside from verifying the debt, do not contact me about this debt. The XXXX and Rules of the City of New York ( section XXXX ) require that you honor this request. Thank you.
Consumer complaint received 2017-10-31
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: EQUIFAX, INC. (MD)

On XXXX XXXX, 2017 I disputed the tax lien that equifax has been reporting on my credit file. Each time I dispute this item they say it has been verified but refused to provide me with the person name and number who verified this tax lien. I have a freeze on XXXX XXXX and the court house itself did not furnish any information to the credit bureaus. Equifax has claim on many occasions the furnished is the recorder of deeds, magistrate or municipal court. Which is all a violation of the XXXX to report false information and claim to get information from the court, when it is actually obtained from an unnamed 3rd party which can easily be considered false information on my credit report.
Consumer complaint received 2017-10-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: GREAT LAKES (WV)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, WV XXXX ( XXXX ) XXXX COMPLAINT AGAINST : VIOLATION : Great Lakes FAIR DEBT COLLECTIONS PRACTICES ACT XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX LIABILITY SECTION XXXX ( XXXX ) XXXX ACCOUNT NUMBER : XXXX CONSUMER FINANCIAL PROTECTIONS BUREAU, I am reaching out for some help. Here is my complaint. Great Lakes is in violation of the FAIR DEBT COLLECTIONS PRACTICES ACT ( FDCPA ). 

I have requested that Great Lakes provide me with an original version of the Master Promissory Note in its complete and original form for a debt that they claim I owe them. I have requested this item via certified mail with return receipt, fax with receipt, email, and phone calls. My first communication was sent on XXXX. They have sent me a copy of a signature page with a signature that looks like my signature, but I do not recognize the document nor do I remember ever signing it. The rest of the document is missing. Great Lakes cant find any of it except the page with the signature. Basically they have one sheet with a signature and no pages with any identifiable details on it. They are trying to make me pay them over {$7000.00} with a promissory note that is missing sections A-D and has no identifiable data with it or any terms to an agreement. They refuse to send a letter of deletion to the bureaus even though they do not have a complete contract and the paper that they do have, does n't have any details like address, DOB, Social Security Number, Name of School Attended, Loan Amount, ect.  They only have a page with a signature. 

I am asking for help because I feel like this business has violated the FDCPA by not providing sufficient documentation and not removing the account from my credit report after I have sent various requests in several forms for them to either provide sufficient proof of the debt or remove the account. Instead they have decided to stick to their guns and claim that the page they sent me is sufficient proof. I have sent the page of the promissory note that they sent me. They have told me that they do not have the rest of the contract. I spoke with an attorney today and showed them the document and the attorney told me that the page they sent me is a legal document but it would not hold up in court because it does n't have any information or terms. I have repeatedly asked for the rest of the document and they have repeatedly refused to do anything. I have a ton of documentation of my conversations with them in the form of certified letters, fax, phone, email, and etc. I have attached just a few to give you an idea of what I 'm dealing with. 

Please help me resolve this matter and clear my name and my credit worthiness. If you need anymore details, then please ask. 


Thank You, XXXX XXXX XXXX XXXX
Consumer complaint received 2017-10-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (OH)

XXXX, XXXX, XXXX XXXX, XXXX XXXX MIDLAND FUNDING LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX I have disputed with this company more times than i written down Requesting validation bearing my signature from the disputing them with the credit bureaus. and they refuse to send me the correct validation i requested 1. When was the account opened. 
2. The first time i missed a payment.
3. When did you take over the account 4. Validation that is a competent evidence bearing my signature showing that i have or ever had some contractual obligation to pay you. 
They will not release this information to me and its been way over a year. Also i can submitted by mail a certified mail receipt and letter i wrote and the company never responded the so called original credited and any company that represent them with again no responds from either company. I think they are scammers because why would n't they release the information i ask for.
Consumer complaint received 2017-10-30
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: HYUNDAI CAPITAL AMERICA (FL)

I signed a lease with XXXX XXXX on XXXX XXXX XXXX and the lease was signed by both parties that the first payment and every payment thereafter will be on the XXXX of the month I have made each payment by the latest the XXXX of the month everything was fine till the XXXX statement where they changed my due date to the first of the month and gave me a late charge of XXXX after numerous phone calls to XXXX they state they can just change it to the 1st without notice and wont change it back they have broken the terms of the lease we signed and Imwant it changed back or they can take their car back. Please advise me of my rights in this matter.
Consumer complaint received 2017-10-30
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 (PA)

I applied XXXX XXXX credit card in XXXX XXXX it stated in their website that " Earn XXXX XXXX Starpoints after spending {$3000.00} in first 3 months ''. I hit the spending threshold in XXXX, but now, 5 months past, I still do n't get my welcome bonus points. 
During that time, I tried to contact their customer care by phone and online chatting no less than 10 times, they just keep asking me to wait.
Consumer complaint received 2017-10-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (NJ)

The mortgage company ( loandepot ) overpaid my property tax XXXX quarters in a roll for XXXX and XXXX XXXX. They made payments of {$7000.00} for each of XXXX and XXXX XXXX, but the actual amount due is only {$3500.00}. The total overpayment was about {$7000.00}, i.e. they maid double payment XXXX quarters in a row. 
Please refer to " Loan Activity.pdf '', the payments are : 1 ) XXXX dated XXXX/XXXX/XXXX 2 ) XXXX dated XXXX/XXXX/XXXX Please refer to " Tax Inquiry - XXXX XXXX XXXX '', the tax due are : 1 ) XXXX dated XXXX/XXXX/XXXX 2 ) XXXX dated XXXX/XXXX/XXXX I only discovered this issue around XXXX XXXX when they increased my monthly deduction claiming a shortage in the escrow account. 
I started contacting them to resolve this matter in XXXX XXXX, up until now the matter is still unresolved. The supervisor assigned to my case was extremely unresponsive and difficult to get hold of. I made multiple attempts to contact him only to be forwarded to a line that does not get answered. On multiple occasion, I was promised a callback but it never happen.
Consumer complaint received 2017-10-04
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 (CA)

I had a capital one credit card ending in XXXX, on XXXX XXXX XXXX there was a fraudulent transaction of {$250.00} on my credit card, I did speak with someone in the Capital one Customer care but they are refusing to address my complain and bring a solution to it, they said someone will call me back soon regarding this problem but no one called me.
Consumer complaint received 2017-10-30
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: SYNCHRONY FINANCIAL (MS)

I have 4 companies on my credit report that should not be on there. I have one credit card and have never applied for a XXXX, XXXX, or XXXX card in my life. I think this is fraud but I do n't know who to contact. 

XXXX/XXXX ACCT # XXXX XXXX XXXX XXXX XXXX, FL XXXX Unpaid balance : {$70.00} XXXX ACCT # XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX Unpaid balance {$26.00} XXXX/XXXX ACCT # XXXX XXXX XXXX  XXXX XXXX CREDIT BUREAU DISPUTE XXXX XXXX, SD XXXX {$26.00} XXXX ACCT # -XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX Unpaid balance {$130.00}
Consumer complaint received 2017-10-30
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: TRANSWORLD SYSTEMS INC (OR)

I received a bill from the IRS stating I owed them money that was reported by the XXXX XXXX XXXX XXXX XXXX XXXX for a cancellation of Debt for 2015. Several years prior to this XXXX XXXX XXXX, XXXX had contacted me and made a settlement agreement speaking for XXXX XXXX XXXX XXXX for a private student loan amount that had not been paid on. I made a payment plan with them to pay off the amount. At the end of the pay off I asked what further more needed to be done. I was told nothing that the payments had been met and nothing furthermore needed to be done. I never received a XXXX to give to my account to add to the end of the tax year 2015 for the amount of {$7100.00}. I have tried to find a number to reach out to XXXX XXXX XXXX XXXX XXXX XXXX and have no luck at finding a contact number. Had I have received this XXXX I would have taken care of this 2 years ago before it got to this point. I 'm just not sure where to go from here. I have already contacted the IRS to have them I am researching this and need more time before I pay the {$1800.00} they say I owe because of the new reported increase in my income from the cancellation of debt XXXX XXXX XXXX XXXX says I owe.
Consumer complaint received 2017-10-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: GUARANTEED RATE INC. (MA)

I was sent a notice of transferring letter that stated that my loan would be transferred from Guaranteed Rate to XXXX XXXX XXXX effective XXXX/XXXX/XXXX and that my next payment should be made to Guaranteed Rate. However, I was never given a XXXX account number. I called XXXX on XXXX/XXXX/XXXX to make the payment and they said my loan was not in their system. I called Guaranteed Rate and they said the transfer had been delayed. However, no one had informed me of this in ANY FASHION. I do n't see how this is remotely acceptable.
Consumer complaint received 2017-10-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have a collection accounts on my credit report and they do not belong to me, XXXXXXXX XXXX XXXX {$87.00} XXXX XXXX XXXX {$50.00}
Consumer complaint received 2024-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2017-10-30
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: AFNI INC. (TX)

The phone number calling my place of work almost every day XXXX to collect a debt from 5 years ago is a third party who bought the debt from XXXX XXXX XXXX. It is causing my other coworkers to be bothered and causing defamation of my character.
Consumer complaint received 2024-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2018-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

Tried to freeze credit on their website as I have done in the past. Was directed to send sensitive documents in the mail that could only lead to ID theft. Calling is a waste of time, there menu XXXX will have you sitting on the phone for days. Why can't I freeze my credit online like I have done in past and my wife has done successfully yesterday?
Consumer complaint received 2024-11-11
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION (IL)

Ive personally been victimized and taken advantage of for years by navy federal credit unions overdraft protection plan. Over the course of the past 10 years Navy federal has taken thousands of dollars worth of overdraft fees when my account clearly showed I had the appropriate funds to cover transactions.