davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (NY)

In early XXXX, I noticed a 15 % cash back offer, up to {$100.00} maximum on my Chase Freedom Unlimited Card for XXXX XXXX XXXX XXXX. I was excited since I wanted to book a hotel for a vacation and with this offer, the hotel I wanted was the cheapest by far. I booked the hotel, the XXXX XXXX XXXX ( a XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX, with the intention of getting the cash back offer that expired on XX/XX/XXXX. I thought all was well until the charge was posted on XX/XX/XXXX or XX/XX/XXXX and I didn't receive any news of any cash back, thus I called Chase a few days after ( on around XX/XX/XXXX ) to escalate a complaint to check that I should be getting my cash back. Today, on XX/XX/XXXX, I was informed that a letter was sent on XXXX informing me that the offer was not applicable since the charge posted on XX/XX/XXXX, which is past the deadline of XX/XX/XXXX, of which I have NO control over ( and I booked it on XX/XX/XXXX - well in advance of any XXXX hour holding periods ), and nobody was able to help me get the cash back offer I am entitled to. I even had another offer, activated a few days after the original one expired, expiring on XX/XX/XXXX, for 10 % cash back at XXXX XXXX, up to a maximum of {$100.00}. This offer also did not apply. Either way, I am out of the cash back I was promised and would have booked another hotel if I had known that I wouldn't be receiving any cash back from Chase, even though I made the transaction WELL before the expiration date of XX/XX/XXXX and definitely well before the second offer expiration date of XX/XX/XXXX.
Consumer complaint received 2018-12-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Commonwealth Financial Systems, Inc. (VA)

Commonwealth finance posted a debt on my credit report in the amount of {$59.00}, stating that it was opened XX/XX/2018. I have received no correspondence in regards to that dept in order to confirm and pay it.
Consumer complaint received 2019-02-15
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: General Motors Financial Company, Inc. (IN)

On XX/XX/XXXX I returned my XXXX  leased vehicle to my XXXX dealer. The lease was financed through GM Financial. As part of the agreement to re-lease a newer vehicle, the dealer took care of the negligible mileage overage and it was a clean return. This was confirmed by GM Financial on multiple occasions, both in writing and later by phone. In XX/XX/XXXX I received a phone message from an unidentified caller asking me to call back, never saying who they were with or the nature of the call. I believed it to be a spam/scam call. When I received the call again in XX/XX/XXXX, I did return the call to find out it was GM Financial. Note : I have two current leases with GM Financial and have never been late on any of them. Initially, the representative could not determine why their system had prompted them to contact me, as my accounts showed current. Upon further investigation they showed a $ XXXX remaining balance on my RETURNED lease account but indicated that it should have previously been removed from the account and apologized for their oversight. It should also be noted that at NO time has GM Financial sent me anything indicating that I owed anything on the returned lease. On the phone, they indicated that the {$5.00} charge was due to an error on their end. I was assured it would be corrected. It was not until I inquired further, that it was revealed to me that our account ( my husband is co-owner ) had also been negatively flagged as late for the past several months and reported to the credit reporting agencies. I was assured at the time that the account would be cleared up preventing further negative ratings and that the erroneous negative delinquencies would be corrected. To date, I do not believe this has occurred and am unable to get resolution through GM Financial. I received another unidentified caller message again today. So I can assume they are once again calling because it still shows " late '' in the system. Our previously excellent credit rating has dropped considerably. We have had long-existing credit cards which have lowered our limit due to our negative rating.
Consumer complaint received 2022-01-22
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: Experian Information Solutions Inc. (LA)

RE : US BANKRUTCY- XXXX To whom it may concern, I asked you to disclose your method of verification on the alleged bankruptcy you are reporting. You then replied to me with the enclosed letter claiming that the bankruptcy was verified by XXXX XXXX XXXX Bankruptcy XXXX XXXX 
Appalled by that information, I went directly to ( XXXX XXXX Bankruptcy Court ) and in response to my inquiry they claim to have never verified this item with you. This would mean this bankruptcy is by law considered UNVERIFIED. 
I AM AWARE, THE FCRA STATES THE FOLLOWING : A CRA must remove or correct inaccurate or unverified information from its files, usually within 30 days after you dispute it. However, the CRA is not required to remove accurate data from your file unless it is outdated ( as described below ) or can not be verified. 
I have enclosed letters FROM BOTH XXXX BANKRUPTCY COURT for your inspection. Please DELETE this item from my credit report as it is NOT verified! 
The XXXX and XXXX XXXX VERIFYING THIS INFO IS NOT RECOGNIZED AS PROPER VALIDATION! 
Please send me an updated copy of my report once the bankruptcy is DELETED.
Consumer complaint received 2019-02-15
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Medical Data Systems, Inc. (VA)

Io whom it may concern. I'm writing this letter in dispute of the Medical Data Systems debt of {$140.00}. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I should have received a letter from the collector which includes all of the following : - notification of an attempt to collect a debt - giving me 30 days to dispute the validity of the debt - stating to me the amount of debt that I owe - provide me with the name of the original creditor To my knowledge I had not received such a letter. The collector may be in violation of the Fair Debt Collection Practices Act.
Consumer complaint received 2022-01-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (GA)

After being harassed at a Wells Fargo location for not wearing a mask by police officer, I was forced to go to another location and I ended up leaving my card in the ATM machine! 

Then when I tried to get a replacement card they did not send it in the tone frame I requested! I asked him to send an expedited service so that I would get it immediately he said it would be here within XXXX business days which is way too long. 

Then he hung up in my face I tried to get a new representative to correct the error and they told me that I have to call back another day to have my card replaced. 

First due to the Wells Fargo error I cant get my card until Tuesday now and I was actually harassed by a police officer forcing me to wear a mask over my face just to go into a bank to get my own money!
Consumer complaint received 2022-01-22
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (OH)

It is my understanding that all student loan payments have been paused til XX/XX/XXXX. Navient has not paused mine and they are calling and emailing me to make a payment and threatening to report to the credit bureau. I am currently going through a divorce and right now I can not make payments and they won't help me. Right now it is showing over XXXX past due and it is getting out of hand.
Consumer complaint received 2019-02-15
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (MD)

I filed a complaint and the company did not reply to the two accounts I am disputing. for account numbers XXXX there are two different TSI account numbers XXXX the amount is {$260.00} and for XXXX the amount is {$730.00}. The bill that I have from TSI is for {$970.00} and it appears my insurance paid part of the bill. My Co-Pay should have only been {$100.00}. The amounts they are trying to collect is incorrect. On my credit report under TSI the only bill thewy are showing is {$730.00} which is another incorrect amount.
Consumer complaint received 2018-12-17
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kimball, Tirey & St. John LLP (FL)

This is in response to the collection companies answer. At no point did I verbally or written agreement with this company to repay any amount. Had I actually spoken to them I would have reminded them about the verbal agreement. I did contact them this past week and was told by XXXX that there was never any payments made by me. With that being said they lied completely to the CFPB. Yes the verbal agreement was made before I moved out that my now exhusband was responsible and I wasn't and there was never an agreement made for me to pay anything!!!!!
Consumer complaint received 2017-03-21
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc. (TX)

I believe I have paid this off already. I will need to track my bank statements. I would like to know what company this is from. If I 'm not mistaken this should have been a   XXXX   XXXX   credit card which I have paid off. My credit report is showing this is in collections and still open.
Consumer complaint received 2016-03-11
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Merchants Credit Corporation (WA)

I was approved by my insurance company for several XXXX. The XXXX were to be done every 90 days for 1 year. After the XXXX XXXX I inquired on whether the insurance company paid for it, I was told they had. At the XXXX XXXX I inquired again, before the procedure as I had had issues with the provider and insurance company. I was told it was in processes and I was cleared for the next XXXX. 90 days later I return for the XXXX installment and again, checking on the balance, I was told the insurance company had not paid for the XXXX or XXXX procedure fully and I was responsible for a large balance. I cancelled the XXXX XXXX and escalated to the medical provider, XXXX XXXX XXXX, as to why I was not told of the balance. I had not been called, I received no correspondence via email or regular mail. I would not have had the XXXX XXXX had I not been assured things were fine. I was told it was a 'processing issue ' and they could not do anything about it. Even with multiple attempts to remedy the situation, apply for financial assistance and dispute resolution. I then receive a call on XXXX/XXXX/16 when I was n't home ; I return the call today on XXXX/XXXX/16, less than XXXX hours after the call, to be told this debt was now a judgment and I have no remedy. They were taking garnishment action against me and I have no options in the matter. This amount is in excess of {$2000.00} and I do not have the capacity to withstand a garnishment of that magnitude. I was not given the correct information, nor am I allowed to dispute this current action per XXXX XXXX at Merchants XXXX XXXX.
Consumer complaint received 2018-08-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (WA)

My loan was sold to Shellpoint Mortgaging earlier in 2018 and my escrow included property taxes and home owners insurance. However, now that my annual XXXX payment for home owners is due, Shellpoint " has no record '' of that money. They tell me I am responsible. I checked with my previous loan servicer and they were able to prove that they transferred the loan and escrow correctly ( it is included in my monthly mortgage payment ). They admit fault but are " trying to get to the bottom of where the mistake is ''. In the meantime of them trying to figure out how they XXXX  up, my insurance goes unpaid. So it doesn't get cancelled, I pay. So now, I'm double paying in order to be safe and cover myself. They still have yet to pay my insurance and I absolutely can not get through to them via customer service line ( it just rings and then hangs up ... only when I'm not being sent through a survey / sweepstakes for XXXX XXXX XXXX is that??! ). I am so angry that they " lost '' {$1200.00} and I'm not having to double pay. This is absolutely fraudulent activity and I've been dealing with this issues since XXXX!!!
Consumer complaint received 2022-01-22
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

My credit report shows 19 inquiries made in the last 120 days. These are inquiries I did not approve. The companies are listed on my report as XXXX XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX and XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX  on XX/XX/XXXX, XXXX XXXX  on XX/XX/XXXX XXXX CAP1XXXX  on XX/XX/XXXX, XXXX on XX/XX/XXXX, CAPITAL ONE/XXXX  on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, CAPITAL ONE on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX  XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX card on XX/XX/XXXX. I also had a credit card with XXXX opened with my social security number but incorrect name and address in XX/XX/XXXX. I was able to contact that company and file a fraud claim with them.
Consumer complaint received 2018-08-28
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (TX)

On or about XX/XX/2018 I was contacted by telephone from a representative from Care Credit ( XXXX XXXX  ) about an account that I had opened. They advised that they have been getting the monthly bills returned to them as undeliverable, even though I previously was receiving them, and making monthly payments. Upon further investigation it was determined that the last bill sent to me was in the month of XXXX of which I paid. The account was opened underneath a promotional interest deferred rate and I had plan on paying it off prior to the end of the promotional period which was XXXX. I inquired with the company why they did not try to contact me prior at the information I provided when the account was opened, and they claimed they tried but the number was not working. I asked them why they didn't simply pull up my credit history and check the address that was on file since they already had this information. They couldn't provide a response. I spoke with a supervisory representative today and explained the situation to her. She filed a complaint with the bank on my behalf that can take up to 30 days. Since the account was not paid prior to the promotional period ending it increased approximately {$1000.00}. To ensure a showing of good faith I paid the total amount due prior to the end of the promotional period on XX/XX/2018 when I was speaking with the supervisor, of which was {$870.00}. This really appears to be a sort of scam by the bank to ensure the collection of an increased interest rate by not allowing me the opportunity to pay it. They could have simply done their due diligence and looked into a multitude of databases to determine my correct address in XXXX, XXXX, or XXXX, or made contact with me by either home phone, cell phone or email. 
Unfortunately, I also checked and the bank has entered a negative report within my credit history. This could have a negative impact upon me when I have to conduct my background check, that occurs every five years for my security clearance. 

I have attempted to check the box allowing for publication on consumerfinance.gov, but it is not allowing the box to be checked. I give you permission to publish this description but please remove my personal information. 

I have asked for a bill to be sent to me on or about XX/XX/2018, but as of today ( XX/XX/2018 ) I have not received it. I also asked for a receipt of todays payment made, but they were not able to provide one. If and when I obtain any written information I will provide it. 

I am hopeful you can assist me with this unfortunate situation.
Consumer complaint received 2018-08-28
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 (TX)

CAPITAL ONE BILLING STATEMENTS ONLINE ARE MISLEADING! THE STATEMENT SAYS TO PAY THIS AMOUNT FOR FULL PAYMENT! WHEN YOU PAY THE FULL PAYMENT AMOUNT, A SEVERAL DAYS LATER INTEREST IS ASSESSED TO YOUR ACCOUNT AFTER THE ACCOUNT HAS BEEN PAID IN FULL. THEREFORE, THE BILLING STATEMENT IS MISLEADING AND INACCURATE.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2022-09-02
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. (NC)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here are the list of items which do not belong to me or were opened without my permission. 

XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXXXXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have submitted the same complaints for several times already but still these items are visible on my credit report. I have no idea what is going on over there at the CFPB. I was a victim of fierce wrongdoing. I'm not accountable for these accounts. I have no knowledge of it, no legal obligation for it, and no information as to its origin. I did not receive any money, goods, or services as a result of the identity theft. These accounts do not belong to me. I never applied to these companies. Plus, the continuous activity is weird. I believe someone stole my identity and opened these accounts without my permission or authority. I filed a report on the FTC website, I specified how the identity theft took place, that I did not benefit or receive goods or services from the alleged accounts. I'm truly confused by the bureaus antics/tactics on how to report this issue but they are ignoring this dispute and failing to comply with the rules set forth in the FCRA. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$6500.00}, XXXX XXXX Date Opened:XXXX Balance : {$11000.00}
Consumer complaint received 2021-12-31
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: Receivables Performance Management, LLC (GA)

I have filed several disputes in regards of my credit concerns.. It seems as though no one is complying.. I have done some much work with the Credit Bureaus, Collectors and Creditors that have inaccurate, misleading information on my credit.. I Have proof of all letters I've sent out to all parties involved.. I have been communicating with my Legal Advisor in regards of my due diligence and my character is now being a issue.. They have illegally furnished data on my credit report such Bankruptcy.. 15 U.S. Code 1681c and 15 U.S. Code 1692e for which I explained that this is a violation of my Consumer Rights and by law this matters should be removed off my credit report immediately without Prejudice ... I trying to buy home for my family and I and the is becoming of a burden to me and my family... This is a defamation of my character now I'm looking to pursue legal remedies towards all parties in violation.. I have not other option to ask for your help in getting this issue resolve.. 

I have proof of my concerns are illegal practices.. 

Please can you help me...