davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-09-22
Product: Credit card — 
Issue: Advertising and marketing — 
Company: JPMORGAN CHASE & CO. (NJ)

XXXX XXXXAccount Number XXXXFormer account number XXXXI am filing a complaint against Chase United Mileage Plus credit card. I believe these are the events leading up to my complaint. 
I originally had a credit card that was a 'premier ' credit card that provided me with reward points for signing for the United Explorer card. I terminated this card as I did n't wanted to pay the annual fee ; I converted this initial credit card to XXXX, which is a Chase United Mileage Plus credit card. 
I then reapplied and called Chase in XXXX or XX/XX/XXXX and requested to obtain the 'Mileage Plus ' Explorer Card. The credit card provided XXXX bonus points if I purchased {$2000.00} by XX/XX/XXXX. I complied with this stipulation. 
I spoke with someone named XXXX and XXXX, Chase representatives and I explained to them that I originally had a Mileage Explorer Card and received about XXXX or XXXX United Mileage miles. ( I ca n't recall what I exactly earned. ) I specifically told these representatives that I converted this card to a regular United Mileage card that did n't require a yearly fee. I asked these individuals if I could apply for the new Explorer Card and obtain the XXXX bonus miles. They told me that I could absolutely receive the new bonus miles. I believe that they completed my new application on-line. 
I received approval in the mail for {$9000.00} credit line. I am attaching the papers I received. I did n't check to see if I received the XXXX bonus miles until XXXX XXXXI called on XX/XX/XXXX and spoke with XXXX ' a Chase representative who referred me to a supervisor named XXXX . I explained the situation to her and she stated I would receive a call from an account manager at Chase. I received a call from XXXX who stated that Chase will not give me the XXXX bonus miles since I was not entitled to the bonus miles from the XXXX credit card. I was told that I already received bonus miles from a previous promotion. I explained to XXXX that I spoke with, the aforementioned individuals ( XXXX, XXXX ) and they told me I was eligible for the bonus miles. 
My RequestI want the XXXX bonus miles and for the hassle I would like compensation such as an additional XXXX miles for the hassle of having to write this complaint. 
Sincerely yours, XXXX XXXX
Consumer complaint received 2015-05-26
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO. (CA)

Originally, I had linked my Chase credit card to my Chase checking account since they informed me that this would be convenient in case I get overdrafted on certain bills I have set up for auto pay. When I did get overdrafted, I was told that it would be charged to my credit card versus me getting charged for the overdraft fees, which was great. But soon I realized that every overdraft became a CASH ADVANCE towards my credit card, and I was never told that they would be cash advances at really high rates. Of course they have zero remorse for not informing me of this. I walked into a branch and demanded they remove the link from my checking account and credit card account, and to stop any overage charges or attempts. They say sure, and mind you this is a Chase Supervisor, female, within the branch and answers with such arrogance, and just rude as I ask a few questions, and adds that they would need to charge me XXXX ~ XXXX dollars to remove the link. Wow.. what thieves. Today I check my accounts and both accounts seems to be linked to my credit card STILL, and now again charges my credit card.. I feel this violates my rights and what was confirmed to have been done at a branch which I saw with my own eyes, and yet they decide to charge me again. I feel this is almost fraudulant, as this was unauthorized for Chase to do without my knowledge or my permission. And I have not even received a call from them, or any notices as of today. I am not sure who I can possibly report this to or how I can get this resolved other than having to stop banking with this fraudulant bank. I have banked with them for so many years, and yet they have no attempt of resolving any issues with me, whether it be over the phone or even at the branch. Nothing but bunch of arrogant supervisors which consumers like myself, have to deal with which is not very attractive, and very difficult to approach when dealing with this type of subject in the matter of our own money and funds.
Consumer complaint received 2022-08-15
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. (GA)

In accordance with the Fair Credit Reporting Act 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 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, have violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2015-10-12
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: HEARTLAND PAYMENT SYSTEMS INC (IA)

XXXX University through ECSI. This would be the XXXX time my bank account number has changed ( I was not the one to change it XXXX and a payment has subsequently not been processed. They then charge late fees. I am unable to even check my bank account information for accuracy on their website. 

Furthermore, upon talking to a representative I was informed my bank account did not have a proper amount of numbers even listed.
Consumer complaint received 2016-12-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have a hospital bill from XX/XX/2016 that my insurance for some reason would not cover. I was not properly notified of this due to change of address, so the bills did not reach me. My credit score just dropped from a XXXX to a XXXX. I never had a problem with resolving the bill before it reached this point, had I been properly notified. Also the balance amount of the account is {$780.00}, not {$790.00} as the collection agency reports. I would like this removed from my credit report as soon as possible. I have never missed a payment or not paid a bill. I am trying to buy a house and this drastically affects me in a negative way. thank you Old address XXXX XXXX, NJ XXXX New address XXXX Route XXXX XXXX, NJ XXXX
Consumer complaint received 2024-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

I urgently request the removal of this erroneous late payment from my account. My consistent history of punctual payments contradicts this entry, causing me undue stress and concern. I ask that you promptly rectify this mistake by updating my account.
Consumer complaint received 2015-10-22
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (MD)

I reported a debt that I have absolutely no idea why it is on my credit report to all XXXX agencies. This debt is not accurate and I do n't know how it got here. It says I owe {$150.00} to XXXX XXXX. It says account was opened in XX/XX/XXXX and they JUST added it to my credit reports in XX/XX/XXXX. This makes no sense! I have an up to date and active cellular account with XXXX XXXX, so how in the world do I all the sudden owe money from 5 years ago?! I never once received a bill or a phone call from these people and since I have an ongoing active account with them, why would they never have mentioned this so called " debt '' to me. This is robbery. It is affecting my scores and I need it removed. I filed disputes with all XXXX agencies and I received an update through Experian so far. Experian, after XXXX hours, sends me an email and when I click on the link it says " updated ''. This should be deleted, not updated!!! I do n't even know what it 's for! I 'm upset and outraged that they are allowing this to happen. For the past few years I have never made a late payment or allowed an account to go delinquent so this is ridiculous. There 's not even a telephone number to contact this " XXXX '' account, so who 's going to help me? Experian did not help me and I need help!
Consumer complaint received 2016-10-18
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: POPULAR BANK (WA)

I did not renew my home equity line of credit with Popular Community Bank. I have had a {$100000.00} line of credit with them for many years with a zero balance. I informed them in writing 3 times and by phone once that I do not want to renew the line of credit. They continue to bill me {$78.00} for a service I do n't want. They have not responded to any of my written communications with them.
Consumer complaint received 2016-08-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Credit Adjustments Inc (MN)

I dispute this debt with both the debt collector and the credit reporting agencies. This company lied and said and said this was never disputed. They have not provided debt validation. Attached are the disputes to the credit bureaus and to them. This account must be removed my my credit report.
Consumer complaint received 2022-02-17
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX
Consumer complaint received 2016-07-08
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TENET HEALTHCARE CORPORATION (GA)

I have sent multiple letters and Fraud Affidavits to Central Financial Control to dispute the account that they are reporting on my credit file. To date, this matter has not been rectified. This account do not belong to me and I will like for it to be remove from my credit file. Please assist in the matter of getting this account remove from my credit file.
Consumer complaint received 2015-09-09
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Collection Consultants of California (CA)

collection consultants has been reporting my account XXXX. XXXX the credit agency XXXX i have spoken with them many times and request original documentation to show why and how i owe this money they are not able to produce any documentation to verify my debt, i have also requested from credit agency to please provide verifiable proof or remove it from my file. and it did not happened
Consumer complaint received 2015-12-15
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Mountain Land Collections, Inc. (UT)

This phone number ( XXXX ) XXXX belongs to Mountain Land Collection Agency in XXXX, Utah keeps calling me several times a week for over a month. It is a recording wanting me to call a number if it is not me or XXXX if it is me. They are asking for me by my first name and middle initial only saying it as through it is just my first name. I am unaware of any debt, do n't I need to be contacted by a company that thinks I owe them something first? I am fearful of calling back to find out what this is about, do n't want to be billed for a fraudulent call. this is a form of harassment! They leave embarrassing massages on my answering machine for my clients and friends to hear, it is ruining my business and my reputation.
Consumer complaint received 2016-10-12
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I am a victim of identity theft through mobile app from banking with Bank of America with XXXX checks deposited in my account of fraud that i have no idea of why were they deposited into my account and the Bank of America immediately located me and closed my account so now I am not able to get another account with any other bank and I just do not think that Bank of America handled my situation in a great matter because It has been over one year now and I am still not able to open another account with any other bank and other banks want to but Bank of America sent me in under the XXXX which XXXX is willing to remove the notification after the investigation that I had but Bank of America is being very rude due to the fact that I am not guilty of this situation and it is hurting me because other banks wants to help me.
Consumer complaint received 2016-06-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WV)

credit agencies insist on reporting adverse key factors to creditors. 
These key factors appear to be repetitive and has appeared in exact verbage from over two years ago. This issue was recently reported to Consumer Finance Protection Bureau. 
Latest credit file does not support these horrifying key factors. Also there is a huge disparity in credit scores. XXXX obtained a score of XXXX from TRANSUNION. I obtained a score of XXXX. TRANSUNION removed hard inquiries down to XXXX.
Consumer complaint received 2015-03-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: JNR Adjustment Company, Inc (FL)

XXXX sent me a bill for a damaged pedestal that they claim was cut-off and removed by me. I have not had phone service for over 5 years and was not even aware the pedestal was on the property, however I am told it is out of the easement by my surveyor. The pedestal was apparently run over by an unknown party travelling on the road. It had not been maintained by XXXX and was not visible. I have no other information other than I contacted XXXX to report the damage and was told that I was not responsible as it was outside of the home ( anything from the home inside is my responsibility - wiring, etc. ) I was told they would take care of it. They did not and there was jagged metal from the metal box adjacent to my drive where I enter and exit the property. We placed the metal in the trash for removal. After that, the XXXX repair techs came and cut-off the lines ( I guess ) and filled the hole with dirt. I was then sent a bill in the mail for {$1600.00}. I responded with a letter explaining the circumstances and received no further correspondence until a bill collector from JNR Adjustment began calling my work phone and leaving messages. I have attempted to resolve this through XXXX directly and they told me I would have to PROVE I did not damage the property! How can that be the American justice system? Guilty until I can prove I am innocent?????? It is their equipment, abandoned and damaged and I am the easiest target? How about they be required to prove I DID damage it. Which they can not, because I did not. I think they should accept the responsibility for not maintaining their own equipment and stop harassing me. Please help.
Consumer complaint received 2016-02-01
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (CA)

I have applied for a loan modification on XXXX. I was told to apply and had to reapply my application 4 times the same application for one purpose a mortgage a modification. After 5 months I have received a letter from Chase Bank Mortgage servicer dated XX/XX/XXXX stating that I denied. I need detailed information for the reason my application for loan modification was denied for. Now I 'm facing Foreclosure on my home I 've lived in for more than 10 years.
Consumer complaint received 2017-02-16
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: VW Credit, Inc (CA)

The company has been adding late fees and overdue notices several times a month when a payment is only due once a month. They have altered their due dates so my it looks like more than one payment is due per month so they can charge late fees. I have addresses this and they add a late notice to my credit score each month.
Consumer complaint received 2024-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is a written request that you investigate specific items that I believe to be reported in error. These items are not correct and are causing me XXXX XXXX XXXX XXXX because of their derogative nature. The following items must be deleted : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX & XXXX XXXX XXXX, XXXX, CA, XXXX
Consumer complaint received 2016-07-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX RECORDER OF DEEDS Address : XXXX XXXX XXXX XXXX XXXX, IL XXXX No phone number available Identification Number : XXXX Address Identification Number : XXXX Status : State tax lien filed. 
Status Details : This item remained unchanged from our processing of your dispute in XXXX XXXX. 


Date Filed : XXXX/XXXX/XXXX Date Resolved : NA Responsibility : Individual Claim Amount : {$2900.00} Liability Amount : NA The above action was posted to my personal history in error because this was a payroll action done under the auspices of a corporation and should have never been posted to my personal credit history Moreover XXXX kept the funds for the employee taxes and never submitted the funds to the State of Illinois. I filed a complaint against XXXX XXXX for this and the issue was never resolved. Also, the correct date was XXXX XXXX and not XXXX Nevertheless, the corporation XXXX XXXX should be held liable for the taxes. Pursuant of the Fair Credit Reporting Act and Federal Corporations Act this items should be deleted from my personal credit file immediately.
Consumer complaint received 2022-02-16
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX / XXXX / {$25000.00} XXXX XXXX Code XXXX - Procedure in case of disputed accuracy ( XXXX ) In general Before the expiration of the XXXXbusiness-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( XXXX ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 
( XXXX ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( XXXX ) and before the end of the period referred to in paragraph ( XXXX ) ( XXXX ).
Consumer complaint received 2022-02-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc. (CA)

Cashapp sent a unauthorized amount of XXXX to another person. I have disputed this with flcashapp and asked why the money was deducted but it is not popping up in my transaction history. I filed a dispute with XXXX also and my claim was denied but not much info was given on why. Attached is a letter for the claim on decision
Consumer complaint received 2022-02-16
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. (NJ)

So not only after I file a complaint with the credit bureaus about my information being incorrect. 
All of my credit scores drop below XXXX. For what reason I dont know. I cant even view reports and or call to talk to an agent. My phone is always send to the answering machine.
Consumer complaint received 2016-09-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Bureau Services Association (TX)

They are collecting for a dept I dont owe We showed proof to CBSA solutions collections agent that the information they had was false they said they dont care I moved out of there clients apartment XXXX XXXX XXXX they the show a eviction notes said was had delivered to us from there client at so said address we were not even there at the address at that time we have moved to new address the XXXX XXXX XXXX falsified a collections we have proof we no longer lived there at said time and they said they dont care sue them.The XXXX has and is trying to charges for rent for XXXX XXXX when we showed proof we moved out before the time they said we owe for and that we even had power and turned off there and on at new place XXXX XXXX XXXX they said they dont care. 
They have statments my new land lord saying they new I was in new place on the XXXX XXXX they were here talking with us then I left to return the uhal from the move they sent all information to the address of the old place till the collection agent sent information to the address XXXX XXXX XXXX and prayer in XXXX XXXX XXXX sent me papers to my new address after the collection was processed. Still they said they dont care sue.them Then they Collection agency said they refuse to investigate on a dispute the problem. 
Then they said That my information I sent them is correct but they dont care. Still to this day I have been sent nothing by XXXX Tx housing housing or the collections agency. 
and or my deposit received nothing found out when are credit was ran from another company for credit on me and my wife 's credit shows this mater