davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-16
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: EQUIFAX, INC. (CO)

XXXX XXXX XXXX, XXXX at XXXX XXXX XXXX, XXXX, TX, XXXX, has falsely reported to Equifax that I did not compensate XXXX for the amount of {$170.00} for service rendered between XX/XX/XXXX to XX/XX/XXXX at an address at which I have never resided. When informed of this collection activity, I called XXXX XXXX XXXX, explained I was unaware of and not responsible for charges at an address I knew nothing about. I was told at that time they would inform XXXX that I was likely a victim of identity theft, and the charges would be dropped. Instead, I find they have reported it as an unpaid collection item to Equifax.
Consumer complaint received 2019-01-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Recently, I've grown an interest in monitoring my credit. I and my family are ready to purchase a home. As I've gone through credit report, I've noticed a few unauthorized inquiries and an account that does not belong to me. Please remove this from my credit report immediately as this is poor judgement with on my credit worthiness.
Consumer complaint received 2019-01-30
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. (OH)

I ordered an age defying collagen eye cream from a vendor on XXXX called XXXX for a total of {$25.00}. The order # was XXXX. It was delivered on XX/XX/2018. On Sunday XX/XX/2018 I  contacted the vendor in order to return the product at XXXX. On Monday XX/XX/2018 XXXX from XXXX responded and said that I would have to return the product back to XXXX with a tracking number and I would be responsible for the shipping charges. Or she said I could get a 30 % refund and not have to return the product. On Thursday XX/XX/2018 I accepted the offer of 30 % partial refund and asked when I could expect the refund. On Wednesday XX/XX/2018 XXXX responded that she had submitted ticket # XXXX to the fulfillment team to process the original payment method and I would receive an email confirming once the process was complete. On Thursday XX/XX/2018 and Wednesday XX/XX/2018 I emailed both times that I had not received an email or refund. I have not had any contact with the vendor since then. No emails or refund.
Consumer complaint received 2019-03-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (FL)

I already submitted complain about that ( XXXX ) Judging by the response, I used too many words for American Express employees to understand. 

American Express suspended my American Express Gold card 3 days before the due date of my payment. Due to the suspension required payment to be made at the due date will not " un-suspend '' the account. Required/due payment was {$2700.00} and amount to be paid to un-suspend the card was {$4500.00}. This is predatory technique of extorting agregatory payments in order to better company 's cash flow and as is, it is entirely not legal procedure ( also against their own company policy ). They could try to do it only after sending email about approaching the spending limit and with no communication from my side. That did not happen. Their action was designed to make me pay over 150 % of what I should pay. This is not acceptable,
Consumer complaint received 2016-10-01
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO. (CT)

XXXX XXXX, I dispute a series of charges made with chase credit card with online merchange premier cru. The merchant has failed to deliver the " pre-arrival '' wine that were ordered years ago, I have expressed concern to the card card specialist that they should block all transactions linked to this merchant since it appear that they might running a " fraud '' company or ponzi scheme. XXXX XXXX, I submit my detailed claim for all my chase credit cards. The merchant premier cru has since filed for bankruptcy and which means that they will not be able to deliver all out-standing merchanise. 
Chase issued provisional credit, which they subsequently reverse, citing reasons i ) that they have contacted the merchant and they did refuse to issue a credit Upon investigating and calling in, I found that they called the " wrong merchant '', another shop of the similar name and claim that they have done their due diligence. Next, they send me a report of another consumer 's credit dispute which is completely un-related to the case. It an act of gross negligence and breach of confidential information. 
They continue to cite that the charge is valid, due to the date of the charge, and the merchant is n't under obligation to provide credit to the account. This is not true when as of the time of dispute XXXX XXXX, bulk of the charges are within 540 days chargeback limit. When I call in again, saying that the " XXXX '' case is under FBI investigation, and it is most likely a fraud and hence qualify for protection, the specialist stated that nothing is certain till the investigation is finalized On XXXX XXXX XXXX, XXXX XXXX, the owner of XXXX, once a leading wine merchant, was escorted into an XXXX, XXXX, courtroom by federal marshals last week, shackled hand and foot. In a low voice, XXXX, XXXX, pleaded guilty to a single count of wire fraud in connection with a massive Ponzi scheme he operated at XXXX XXXX, the XXXX XXXX he cofounded with warehouse manager XXXX XXXX in XXXX. 

Given this new evidence, I hope chase credit card will handle the case diligently, given that the consumer look toward to the card credit|agency to detect such fraud and at the same time, there has been repeated warnings.
Consumer complaint received 2017-06-08
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc. (GA)

National cr edit Systems   XXXX   XXXX   XXXX   XXXX , ga  XXXX  on  X/X/2017    was given a call in reference to work out payment arrangements on behalf of my niece. I recorded and informed the representative I was speaking to by the name of  XXXX   XXXX  who was the only representative that I was ever able to speak to. While speaking to  XXXX   I a sked him for our options outside the balance in full and let him know I made a {$5.00} payment on the account via debit card on  X/X/17   .  XXXX  then asked me what was I expecting to attempt making that payment. I informed  XXXX  the payment was made because he had threatened to attempt to garnish her wages.  XXXX  then said their calls are recorded and I said so i s this one t hen  XXXX  said he has to terminate the call. I attempted to call the company back multiple times but kept getting forwarded to voicemail. The representative also threatened the consumer with not be able to get student loans because of this which is totally false. I work for th e   XXXX   XXXX   XXXX  . So I left a voicemail on the representatives machine letting him know I will be filing a complaint with the Attorney general and that since they will not accept payment nor arrangemen ts we will consider this debt as paid for. Then I moved forward from there to file the complaint. I believe was this agency is trying to do is agains t the Unfair Deceptive Acts Abuses and Practices act also. Plee let me know what to do forward. I do  still have the recording.
Consumer complaint received 2019-03-18
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Caliber Home Loans, Inc. (UT)

I contacted a XXXX XXXX XXXX Representative after my husband passed away to update our mortgage information. At that time they told me that I could qualify for the Home Affordable Modification Program. ( HAMP ). I submitted all of the required documents including pursuant to their website check list including a copy of my husbands death certificate. I received a letter on XX/XX/2018 stating they would offer me an opportunity to enter into the FHA HAMP program. I had to contact Caliber in writing by XX/XX/2018. I sent all of the documentation on XX/XX/2018. In order to accept this offer I also had to make a payment by XX/XX/2019, however I made my first payment earlier than that on XX/XX/2018. I entered into this program, I followed all of their instructions including when to pay, and I was told I wouldnt have another payment for two months. However, I am on auto draft and they were suppose to take out my payment according to their new schedule. They didn't apply a payment to the correct date and now Im being reported late on my credit report. Late for XXXX and XXXX, 2018. These were the two months that I was entered into this program and was told I didnt have to make a payment. I would have paid the mortgage but I specifically followed the schedule they gave me according to the program rules. 

I have tried to work this out to no avail. Caliber Home Loans violated the FDCPA in numerous ways by employing false and/or misleading means to get me into this program. This violation is under 15U.S.C. & & 1692e ( 2 ) and ( 5 ). They are dangerously close to violating & 1692f by seeking payments not discussed in the HAMP agreement.

I have attached the letter that I was accepted into the program and I have also attached a detailed history of payment that supports this complaint. This incorrect reporting is harming my credit score.
Consumer complaint received 2019-01-30
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: JH Portfolio Debt Equities, LLC (DE)

I recently was sued by a debt collection agency called XXXX XXXX about a debt they claimed I originally owed to XXXX, XXXX. This notice was served XX/XX/XXXX. I was never properly notified via mail by this agency prior to this about any attempt by them to either collect a debt or given the opportunity to dispute the validity of the debt. After receiving the court summons, I have tried numerous times to contact this company by phone in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Since I never received a debt collection letter from this agency, I was unable to send a dispute letter to them to dispute the validity of this debt.
Consumer complaint received 2019-01-30
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Paramount Recovery Systems, L.P. (GA)

I recently called and submitted a letter to paramount recovery systems asking them to validate a debt. I never received information on the stated amount or that it be reported on my credit report. I asked them to provide the following information : 1. Agreement with the creditor that authorizes you to collect on this alleged debt 2. The agreement bearing my signature stating that I have agreed to assume the debt 3. Valid copies of the debt agreement stating the amount of the debt and interest charges 4. Proof that the Statute of Limitations has not expired 5. Complete payment history on this account along with an accounting of all additional charges being assessed 6. Show me that you are licensed to collect in Georgia ; and 7. Your license numbers and Registered Agent finally I ask paramount recovery systems to remove the collection from my credit report until the debt is validated.
Consumer complaint received 2019-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

I purchased a XXXX XXXX XXXX and Capital one Bank was the bank that financed my loan. I was making payments on time each month until I lost my job of 14 years. I lost everything my XXXX, life savings and had to file a chapter XXXX bankruptcy. I continued to make my payments on time while in a chapter XXXX bankruptcy we converted our current bankruptcy into a chapter XXXX. I was well aware if I done so I would loose the car in the process. I was okay with that. The issues are first this bank refuses to pick up their car after many attempts to order them to. We have a unwanted car sitting in our driveway for months without consent. Secondly they are reporting inaccurately on my credit report showing a charged off auto loan with a past due balance. This loan was included in our chapter XXXX bankruptcy. In fact this bank did not show up for the creditors meeting. They have violated my rights under the FCRA and bankruptcy code. I asked to speak to someone to get this matter resolved they refused to accept my call and only speak to my Attorney.
Consumer complaint received 2019-03-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

XX/XX/XXXX wrote letter to XXXX regarding an interest charged, and talking to customer service representation who told me they would charge interest on top of interest if not paid that day. 
XX/XX/XXXX received form letter back from them did not answer any of my questions XX/XX/XXXX called again about interest I was charged on a paid off account and was left on hold XX/XX/XXXX called again and was told I was on a fixed loan, which I never signed up for. Would not let me talk to anyone to get my interest money back ; XXXX told me that she would not escalate the call to her boss XXXX. XXXX hung up on me because I begin to ask a lot of questions she could not answer. 
XXXX has some how found a loop hole to charge the interest to people by changing the due date and cycle dates so that interest. 
As a customer this is totally unacceptable.
Consumer complaint received 2019-01-30
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: Experian Information Solutions Inc. (MI)

Called and submitted documents via fax and certified mail. I've asked how were these documents verified to be mine and reported correctly. The rep said it wad done electronically with short codes, and there is no such thing as a manually investigation, on top of that the representative wasn't even located in the USA. I'm not understanding how this could be, for one there are so many breaches and hack on the regular, and come to find out, someone outside the country whose not even a citizen has all of my personal information. I received a notice in 2017 from one the credit reporting agencies that all of my personal information that they had on me was exposed to XXXX knows how. I am not at the point of trying to seek legal assistance, I am a state employee, working for a college, i take my finances serious. I'd like for this information to be removed from my profile.
Consumer complaint received 2016-01-25
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (MI)

We purchased a home ( manufactured ) that was attached to land. After 10 years, we wanted to refinance to get a new roof. We were informed that only the land was in our name. The home was never transferred to our name. We could not borrow against it or even sell it. Wells Fargo refused to help us fix this issue. Therefore they foreclosed because we refused to make payments on a home that was not ours. This incident has now stopped us from getting a mortgage on another home.
Consumer complaint received 2019-01-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (CA)

I opened a new acct with XXXX XXXX per their offer in XXXX when I bought things here. The total charge was {$67.00} and it was due XX/XX/2018. I paid off this amount of {$67.00} on XXXX, knowing that I was late therefore a late charge will appear later, I called XXXX and asked to have my late charge waive as a one time courtesy. The lady who answered my phone was very helpful and said will do that for me. I assumed things should be ok by then, but when I got back XXXX XXXX in XXXX, checked on my mails and notice no late charge has been waived but on top of it is more late charges adding up to today ( almost a hundred dollars ). I then called again and spoke to a lady, explained the whole thing, after that she hung up my phone? I was frustrated and disappointed because I do like XXXX  XXXX. Please help. Thank you very much. XXXX bless. XXXX XXXX.
Consumer complaint received 2019-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (OH)

XXXX XXXX PROBLEM WITH BILLING CHARGES ON CREDIT CARD ACCOUNT ALSO XXXX XXXX HAS REPORTED THIS ACCOUNT AS NEGTIVE TO CREDIT BREAU EXSPERIAN WITHOUT DISPUTING OR FRAUDLENT INVESTIGATION THIS HAS BEEN REQUESTED BY CONSUMER
Consumer complaint received 2015-10-26
Product: Prepaid card — ID prepaid card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC (NY)

Hi ON THE XXXX OF XXXX I WENT TO XXXX AND DEPOSITED {$840.00} ON TO MY PREPAID RUSHCARD ... .UP TO THIS DAY THE XXXX OF XXXX I HAVE YET TO RECEIVE THIS MONEY ON MY CARD FROM THIS COMPANY ... ..I CONTACTED XXXX AND THEY TOLD ME THAT EVERYTHING WENT THROUGH AND THE PROBLEM IS WITH RUSHCARD ... .I HAVE CALLED RUSHCARD FROM THE XXXX UP TO TODAY THE XXXX OF XXXX AND CAN NOT GET THROUGH TO CUSTOMER SERVICE..THEY ARE HANGING UP THE PHONES, ,NOT ANSWERING, ,LONG WAIT TIMES TO TALK O SOMEONE..ETC ... THE FEW TIMES I GOT THROUGH TO THEM LAST WEEK THEY TOOK MY INFORMATION, REFERENCE NUMBER FOR MY XXXX DEPOSIT AND SAID THAT IN 2 DAYS MY MONEY WILL BE ON ... ..STILL NOT ON MY CARD ... ..CALLED AGAIN AFTER THAT THE SAME EXACT THING ... YOUR MONEY WIL BE ON IN XXXX HOURS..UP TO THIS DAY STILL NOT THERE ... .I HAVE BILLS TO PAY, RENT, MEDICAL FEES, ETC ... NO ONE CARES AND NO ONE IS HELPING ... ..ON XXXX THE OWNER OF RUSHCARD ID ON THERE SAYING TO DM HIM AND EMAIL CUSTOMER SERVICE..I DID THAT MANY TIMES AND STILL NO RESPONSE ... .THIS IS BY FAR THE WORST POSSIBLE THING I HAVE EVER GONE THROUGH ... I WANT AND NEED MY MONEY ... .HE IS SAYING THAT EVERYTHING IS UP AND RUNNING BUT YET THOUSANDS OF PEOPLE STILL CAN NOT GET ACCESS TO THERE MONEY AND ACCOUNTS ... .JUST ENDLESS LIES ARE BEING TOLD ... ..WE NEED OUR MONEY NOW, ,AND W NEED TO BE COMPENSATED BECAUSE THIS HAS MESSED UP MY LIFE AND MANY OTHER 'S ....
Consumer complaint received 2019-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (OH)

RE : BANKRUPTCY ACCOUNTS NOT IDENTIFIED To Whom It May Concern : I received a copy of my credit report and the items listed below were included in a bankruptcy identified on my credit report. Please Remove the bankruptcy from my report and provide a copy of my court ordered bankruptcy. Please tell my how you are verifying this item belongs to me. 
According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must updated to reflect discharge in bankruptcy. 
I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. 

If you have any questions or need additional information, please contact me at the address listed below. 

Thank you. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX Social Security # XXXX
Consumer complaint received 2019-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

CAPITAL ONE PROBLEM WITH BILLING CHARGES ON CREDIT CARD ACCOUNT ALSO CAPITAL ONE HAS REPORTED THIS ACCOUNT AS NEGTIVE TO CREDIT BREAU XXXX WITHOUT DISPUTING OR FRAUDLENT INVESTIGATION THIS HAS BEEN REQUESTED BY CONSUMER
Consumer complaint received 2019-01-30
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: EQUIFAX, INC. (HI)

Please delete all accounts which have nothing to do with me, regardless if its reported as collection, charge off, closed with balance because they do not belong to me and other accounts which were unverified, inaccurate and false asap XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX , XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX , XXXX XXXX  XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX , XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX, ( Original Creditor : ) XXXX
Consumer complaint received 2019-01-30
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Roosen, Varchetti & Olivier, PLLC (MI)

In XX/XX/XXXX attorney collection agency Roosen, Varchetti and Oliver wrongfully garnished me for tickets associated with a property I do not own. Their lack of due diligence and investigating who is the proper owners XXXX XXXX, in XXXX MI through XXXX County records resulted my account being garnished in a amount over {$1000.00}. While I was the owner from over ten years ago, they did not find this error until I brought this claim to their attention. I brought this to their attention in XX/XX/XXXX in which they said they would release the funds back to my account. After several communications including XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX they still have not return my money resulting in a number of circumstances and financial impact. I've spoken with their representatives a number of times, asked for supervisors, and requested to speak with the lawyers associated with this practice and process and had gotten no support or call backs, I've sent communications as requested to XXXX with no response, and contacted their team at XXXX with no support. It's now XX/XX/XXXX and still have not received funds. They refused to reimburse the incurred banking fee 's associated with this wrongful and impact action.
Consumer complaint received 2018-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OR)

XX/XX/2018 XXXX - a credit reporting company for real estate loans example - XXXX credit reporting agency show that i have a credit score of XXXX. XXXX   is showing that i have a credit score of XXXX  through XXXX.

the information shown on XXXX is simply wrong. There lack of updated information is causing me NOT to be able to get a real estate loan i can afford.