davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-26
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. (TX)

I would like to file a complaint against Chase Cardmember Services regarding the mishandling of a valid dispute. I had an issue with an auto repair shop ( XXXX XXXX ) that did not properly repair my vehicle, caused further damage, and returned the vehicle four times over the course of one month, each time unrepaired. I finally took it to another repair shop that fixed it correctly and stated in writing that the prior shop had installed parts incorrectly, causing damage. The disputed charge was made on my Chase XXXX card on XX/XX/2020 ( posted XX/XX/2020 ) in the amount of {$2900.00}. I initiated my original dispute with Chase on XX/XX/2020. Chase never contacted me to discuss the dispute, but sent a letter dated XX/XX/2020 stating that they considered the charges valid. I had sent detailed documentation by fax on XX/XX/2020 that they claimed to have not received. I had also contacted them by phone in early XXXX but only got the response that it was " under review ''. I requested to re-open the dispute on XX/XX/2020, and again sent detailed documentation by fax. Chase responded by letter dated XX/XX/2020 that they still considered the charges valid because there was no billing error. I never claimed that there was a " billing error. '' My claim was that the merchant did not complete a service that I paid for, and the quality of workmanship was completely unacceptable. In fact, they caused further damage in addition to a great deal of inconvenience and extra expense when I was without my vehicle for over a month. In good faith, I expected Chase to be my advocate, and they did not do their job.
Consumer complaint received 2020-10-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XX/XX/2020 received email notification from my credit monitoring service that there was a change to my Capital One account. After reviewing the alert, which showed that the account was closed by the creditor. XX/XX/2020 at XXXX XXXX  CST, I received my call back from Capital One with my spouse. The representative informed me that the account was closed on XX/XX/2020 due to inactivity. They informed us that they sent a letter back in middle XXXX requesting more information. We informed the representative that we did not receive any communication via letter or email. My spouse informed the representative that we sent in payment for the annual fee back on XX/XX/2020 and since they are not providing us with a year of service then we should get a refund. We also lost several XXXX  dollars in points from this account. Representative informed me that since the account is closed they are not able to refund the annual fee or money back from the points we had on the account. My spouse requested a supervisor who in turn said the same thing and transferred the call over the fraud specialist who also said there was nothing they can do since the account was closed. They did not explain to me why the account was classified as inactive, especially since I made payment to charges that I had made on the account back in XXXX of XXXX  and then the annual fee payment I did in XX/XX/2020.
Consumer complaint received 2020-10-26
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: AES/PHEAA (PA)

Hello, and I hope all is well. Fed Loan Servicing continues to furnish repeatedly with the same account number XXXX with multiple late-payments. Due to the abundance of identical accounts, these actions from the credit reporting agencies caused a major decline in my overall credit and creditworthiness. Requesting one account with the overall amount owed.
Consumer complaint received 2020-10-26
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/2020, I sent a document to Transunion requesting verification of several accounts on my credit report which I feel are being reported inaccurately. 
Since that time, I have sent 3 additional letters requesting that they verify the debt they are reporting, which they still have failed to do. 
Because they refuse to provide the required information, please direct Transunion to promptly remove these unverified items from my credit report. 
I have attached copies of all letters sent. 
Thank you very much for your help.
Consumer complaint received 2020-10-26
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

HI I filing a complaint against the credit bureaus because I made several disputes to them regarding my concerns and they are not following the laws. They have not provided me with any of my investigation results.. I sent out several letters explaining to them my concerns with whats on my credit.. I also sent out a 30day demand letter and they still aren't complying with the law.. This is a violation and dafamation of my character..
Consumer complaint received 2020-10-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

Hello, I am not sure where to file this complaint but please forward to the proper personnel. 

From XX/XX/2019 until XX/XX/2019 I applied for a mortgage. I started with companies like XXXX XXXX and XXXX thinking I would shop in one place for the best rate. I was not aware that my credit would be subjected to so many hard inquiries subsequently decreasing my credit nearly 100 points! 

My credit history in recent years has been very good with years of on-time payments and loan pay offs. I do not believe these inquiries should have been made but, I also do not believe I should be punished so severely for simply shopping for a good mortgage rate. I believe these hard inquiries should be grouped together and not affect my credit score in such a negative way. 

Please look at my Credit Report as well as my wife 's, XXXX XXXX, and you will see periods of time where inquiries should be grouped together and not affect our credit so much. 

Thank you, XXXX
Consumer complaint received 2020-10-26
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. (GA)

Ive been going over my credit report and I saw some incorrect accounts that were on there.

I do not ever remember applying for credit with your company, so I would like to know what permissible business purpose you had for pulling my credit?

My credit score is really being affected and its getting in the way of my financial ventures because of this. I want to dispute these accounts until I get to the bottom of this.
Consumer complaint received 2018-08-04
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: Consolidated Information Services Solutions, LLC (NJ)

I sent the below letter to this company on XX/XX/18 asking the evidence that I allow them to pull my credit report but they never responded.

" Dear Sir/Madam, This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Made by : XXXX mortgage Made on : XX/XX/2018 Made with : XXXX, XXXX  and XXXX To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

If you are in possession of any document that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best interest. 
Finally, assuming you do not possess inquiry authorization, I request that, after removing your unauthorized inquiries from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests to my above mailing address. ''
Consumer complaint received 2020-10-26
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. (OH)

XXXX is reporting Status " paid as agreed '' on Equifax and Status date is XX/XX/XXXX ; XXXX Status Current, " was past due 150 days '' and Status Date XX/XX/XXXX ; XXXX  Status is " Paid or paying as agreed '' Status Date XX/XX/XXXX XXXX is reporting payments are late and current in XXXX when the last status updates was in XX/XX/XXXX and the ACCOUNT HAS BEEN CLOSED SINCE THEN. 

This information is inaccurate, so please Delete this account. 

XXXX XXXX I have dispute this account before with no results and this information has not been verified and inaccurate, please see attachment from credit report.
Consumer complaint received 2018-08-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FIRST NATIONAL BANK OF OMAHA (CA)

Hello, I signed up for a credit card from the First National Bank of Omaha. 

I was not properly notified of a {$39.00} annual fee. They claimed that they had notified me, but they had not. 

The gentleman on the phone claimed that a warning of this fee was e-mailed to me a month before, but if you look at the screenshot I sent, there is no mention of that. 

I tried to get them to waive or reverse the fee, one day after it was charged, but they would not.
Consumer complaint received 2018-08-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (NJ)

I received an alert from XXXX XXXX that there was a debt in collections listed on my report. When I checked it out, it said I owed money to Diversified Consultants in the amount of {$1200.00}. I have no knowledge of this debt, have never done business of any kind with Diversified Consultants, and am requesting this be removed from my credit report immediately.
Consumer complaint received 2018-08-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (MI)

After losing my job in early 2010 to the downturn in the XXXX  industry. It took me years to find good work and I did all I could do to take care of my family. Today we have fixed are problems my wife get her SSI and contribute that to the household and the only way I could get a good income was to start my own company. After a few years of startup expenses. I now have stable income to pay for my family Home and bills. We are asking for a modification payment with tax and ins we can afford that will let us keep are family home I know Rushmore did offer to put us in a repayment plan that we can not afford XXXX down and {$2300.00} a month for 12 months just to catch up and still not have a modification they say will deal with that then.
Consumer complaint received 2018-08-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A. (CA)

PNC LN XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX XXXX and XXXX XXXX We started a short sale on XX/XX/18 and faxed our authorization to PNC. We have sent our authorization in multiple times since then, yet PNCs front end seems to have no access to the authorizations on file. They not only refuses to speak to us, but refuses to transfer us to someone that can speak to us.

This has been a trend with PNC over the last year on ALL our short sales they dont upload the authorizations so their front end can see them, then they refuse to speak to us on the short sales that we are CLEARLY authorized to speak on.

In addition PNC is REFUSING TO SEND US A PAYOFF DEMAND.

These are both violations of servicing guidelines and this needs to stop NOW. I want our authorization uploaded appropriately and I want a Payoff Demand with NO FURTHER DELAYS OR EXCUSES.

WHY is PNC being allowed to violate servicing guidelines??? WHEN is this going to STOP???!!!!
Consumer complaint received 2018-08-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY (CA)

To whom it may concern, I open XXXX XXXX ( XXXX  ) card from Wells Fargo because I had a leaking that destroyed my floors during other remodeling. I was told that the card was interest free for 24 months. After I was issue the card 24 months changed to be 12 months. I wasn't able to refinance on time but was making maximum payments and from over {$5000.00} the balance went down to {$2700.00} and I was able to refinance, when I called to pay the remaining balance I was told that my interest just kicked in and from XXXX the balance when back up to {$4800.00}. Wellsfargo refused any negotiation to bring the balance down. 
I paid the balance down again to XXXX. and when loan closed and tittle company sent the payment Wellsfargo stated that now my balance was back up to {$4100.00} due to interest charged. Wellsfargo stated that I still owe {$130.00} after long conversation Wellsfargo agreed to bring the bill  XXXX and close the count ( that happened in XX/XX/18 ). I was out of the country when I came back I had another bill waiting for me from XXXX for {$64.00}. I called again around the end of XX/XX/XXXX-XX/XX/XXXX and requested that wellsfargo follow are agreement bring the count XXXX  and close it. after 1hr conversation between different people and finally a supervisor they agreed to close the count at XXXX. XX/XX/XXXX I received another bill from Wellsfargo for {$100.00} to be paid. I called and asked why this count still generated fees has from my last conversation we agreed that the count was XXXX and closed. The customer service I was speaking to stated that they just credit the late fees and the balance of {$64.00} unpaid generated another fee which is why it's XXXX But the count is close. So I said " Can I please speak to a supervisor, because I will not close the count if there was any balance that don't make sense to me. What I remember is that after we brought the count XXXX  he was supposed to be closed ''. Customer service said Ok, went and come back telling me that actually my last conversation was XX/XX/XXXX and I was still owe this balance. I told her that she just told me 5 minute ago something different that was in her computer and that she stated that the count was been closed. I was upset and asked her how she can lied like this in my face. When supervisor come I can her sarcasm in his voice. He was noshes insisting on the last statement of the customer services. I was very upset because this card was a reap-oof for me and they still trying to squeeze out me anything they can. 
I was paying the bill from my Wellsfargo online billing. their system always was confused using my joint count that doesn't have any payment set. charges my individual and joint alternatively, and always charging me late fees when I wasn't late. All wanted is to paid this balance and I did, but they won't let me be debt free from them.
Consumer complaint received 2018-08-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (OR)

Caliber Home loans is responsible for my homeowners insurance. XXXX XXXX is the underwriter for my insurance ( or lack thereof ). On  XX/XX/2017 Caliber paid {$1000.00} for my then current insurance premium ( this # was taken from Calibers ' website for my account ) and when I look at my insurance documents from XXXX XXXX this is the amount they show for the premium. I recently filed an insurance claim for wind damage to my roof only to have XXXX XXXX tell me insurance lapsed last year due to a payment discrepancy. Caliber shows they paid, XXXX says they didn't and at the end of the day I'm left holding the bag. I seriously need help with this. Thanks for your time
Consumer complaint received 2018-08-03
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FIDELITY CAPITAL HOLDINGS, INC (CA)

On XX/XX/2015, after receiving a letter demanding payment from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX I investigated the item and immediately sent a letter disputing the charges from XXXX XXXX XXXX in the amount of {$590.00} and requested that they immediately remove any outstanding balances from my accounts as well as remove it from my Credit Report. 

After numerous telephone calls, emails, and letters, they still refuse to properly validate the changes as well as remove them from my personal Credit Report. 

Obviously, XXXX XXXX XXXX has falsified the charges by prescheduled her into Appointments she neither Authorized or Confirmed. 

XXXX XXXX XXXX uses an online scheduling system with a " Confirm '' button and email confirmation. Neither my daughter or I ever confirmed the appointments. 

As I have written numerous times, my daughter said XXXX XXXX was " creepy '' in her words and never wanted to go back for additional chiropractic care. 

At the time of her first appointment, XXXX XXXX XXXX, prescheduled her into follow-on appointments which she did not confirm Online or Otherwise. 

What is more concerning is that your Statements from XXXX XXXX XXXX and XXXX XXXX XXXX do not match. Obviously FRAUD on XXXX XXXX XXXX.
Consumer complaint received 2018-08-03
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: DISCOVER BANK (PA)

I Refinanced my Discover Student Loan. My new lender XXXX XXXX   issued five ( 5 ) checks to cover the five ( 5 ) loans. One check was for {$13000.00}. and Discover Student Loans only posted {$10000.00} to my loans. ( difference {$3200.00} ) Discover is unable to tell me where remaining money was posted to. 
They keep telling me the check was {$10000.00} ( which is amount they posted ) However, we have original copy of check and the amount was {XXXX}, XXXX. We have uploaded a copy of this check to Discover to prove the amount of check. 
I have called three ( 3 ) times to get this resolved. I was assured that this was being sent back to be reviewed and would be resolved in 3-5 business days. 
I spoke with XXXX at Discover Student loans on XX/XX/2018. 
I spoke with XXXX at Discover Student loans on XX/XX/2018. 
I spoke with XXXX at Discover Student loans on XX/XX/2018. 
They all assured me that they are sending this back for review and should only take 3-5 business days. Still not resolved. 
Today I received email from them to inform me what the current payment on balance would be. Plus they added interest charges on this {$3200.00}. 
The five ( 5 ) checks that XXXX XXXX issued to them were all cashed by Discover in full.
Consumer complaint received 2018-08-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (GA)

My home is being foreclosed on XX/XX/XXXX in a non judicial state with fraudulent assignments.The assignments were created after the cutoff date of the alleged trust filed with the United State Security Exchanged According to the trust all mortgages and assignments had to have been conveyed prior to the cutoff date of the trust. The assignments are robo signed and fraud can not be the bases for obtaining a deed. I also mailed a QWR and proof of claim to Wells Fargo over 60 days ago. They have not responded to either.
Consumer complaint received 2018-08-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (AZ)

This is a complaint from XXXX XXXX against Diversified Consultants for Diversifieds failure to cease reporting on a dept that has been paid. On XX/XX/XXXX, Consumer paid the original creditor in full ( see attached statement ). On XX/XX/XXXX, consumer ( through legal counsel ) disputed the open account with Diversified on her credit reports. 

It has been 30 days since this dispute, and we have received no response, and the account is still being reported on Consumer 's credit report. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged, and continuing to report an account that has been paid by the Consumer negatively impacts her credit score. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.
Consumer complaint received 2018-08-04
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 (TX)

I have accumulated some Amercian Express Membership rewards points ... .I tried to transfer some points to my family relative today and my rewards account has been frozen. 

I call AmEx customer service and were transferred to Membership rewards department. 
I were told it takes 8 weeks to get some " investigation '' result. this is ridiculous and not acceptable.
Consumer complaint received 2018-08-03
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Capital Recovery, LLC (Closed) (MA)

This debt is showing on my credit report and I have no knowledge of it. I am a XXXX  and also suffers from XXXX XXXX XXXX and have been covered by XXXX. I do not owe this debt nor have I gotten any documentation pertaining to this debt.
Consumer complaint received 2020-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

1. Inconsistent dates of last payment on a charged off account XXXX - reported XX/XX/XXXX XXXX  reported - XX/XX/XXXX 2.Date Last Active - XXXX reported XXXX XX/XX/XXXX XXXX reported - XX/XX/XXXX XXXX reported XXXX 3. XXXX is reporting a High Credit amount of {$1700.00} on a C/O account that should only be XXXX according to FCRA Guide XXXX is showing {$0.00} as it should XXXX is showing {$1700.00} 4 All the 3 bureaus are showing past due amount of@XXXX as of XX/XX/XXXX on account that was Charged off since XX/XX/XXXX 5. XXXX and XXXX are both reporting as of XX/XX/XXXX, Credit limit of {$1700.00} instead of {$0.00} on account that was charged off in XX/XX/XXXX XXXX