davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO. (TX)

I have a Chase Sapphire Reserve credit card ( Chase Card Account Number : XXXX XXXX XXXX XXXX ) and it comes with travel insurance on purchase made through the card XXXX including trough Chase points redeemed through the card. I had a trip that was canceled due to COVID, which was an insured scenario. The Chase travel insurance approved the claim but did not pay the full claim. The claim was for two items : 1. XXXX XXXXXXXX XXXX  on XXXX for {$100.00} 2. XXXX XXXX  on XXXX for {$100.00} So the total should be {$100.00} + {$100.00} = {$210.00}. 

The Chase Sapphire Reserve insurance sent me check number XXXX dated XX/XX/XXXX for {$100.00}, but they continue to not pay the other {$100.00} that had the exact same cancelation and that has the same Chase Travel supplier. 

The Travel Insurance Claim Number is XXXX through their XXXX  system. I filed that claim on XX/XX/XXXX. I provided the requested " No Refund Policies and Cancellations '' document on XX/XX/XXXX. The Chase Travel Insurance then asked again for the refund policy and I provided it again on XX/XX/XXXX. The Chase Travel Insurance claims called me on XX/XX/XXXX saying they are still trying to confirm that I won't be getting a refund from the travel provider. I explained to the nice customer service representative that I have provided the refund policy twice now, and that the purchase was through Chase and I talked with Chase to get the refund policy, which I most recently submitted again on XX/XX/XXXX, and that there is no more refund policy that I can get. They said they would see if they can check with a manager. Six days later ( as of XX/XX/XXXX ) I have heard nothing. It is now 2 months since I have initially filed this claim, the claim was clearly approved because I got a check for partial payment, but I don't know why Chase refuses to pay out the remaining {$100.00} for this claim. 

It appears to me that Chase Travel Insurance wants to create so much friction for consumers that the consumer will just give up and not complain about the Chase Sapphire Reserve card not really paying the travel insurance benefit. It's pretty disappointing considering the Chase Sapphire Reserve card has a {$550.00} annual fee. It feels fraudulent that they would charge so much for benefits and yet make it almost impossible to use the benefits. I am a life-long Chase customer and I've never seen this kind of hassle using their products, so it has been a surprise. I feel like there's no other recourse than to open a CFPB complaint so that regulators can see that there are multiple people having trouble with this.
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove these items. 
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 XXXX
Consumer complaint received 2023-02-13
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: HUNTINGTON NATIONAL BANK, THE (WV)

I closed on a Home Equity Line of Credit ( HELOC ) with a {$70000.00} limit with Huntington Bank on XX/XX/XXXX. I have never had a balance against this HELOC. The balance has always been {$0.00} ( zero dollars ). 
The next month I received a payment statement with a {$40000.00} balance. A payment of over {$300.00} was due. 
Immediately realizing this was a mistake, I called the toll free number on my monthly statement. The person I spoke with told me I had to go to a local Huntington Bank Branch to take care of the problem. I told them I applied for this HELOC online through Lending Tree and that there is not a Huntington Bank branch anywhere near the town I live in. 
I had to look up a Huntington Bank branch number in XXXX, WV. I called them and after XXXX or XXXX days the branch in XXXX told me everything was taken care of and there was never should have been a balance and never a payment due. 
The next month I get another statement charging me interest. Again. I called and this time the person on the phone from the toll free number on monthly statement read my notes. Put me on hold and came back to tell me everything was once again taken care of. 
Today, XX/XX/XXXX I received another letter from Huntington Bank. Charging interest when there never was a balance. 
I spent an hour on the phone with Huntington Bank today. Total time dealing with their error is going on four hours. 
My credit is getting ruined due to Huntington Bank 's error. 
Please help XXXX XXXX cell XXXX
Consumer complaint received 2023-07-11
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. (SC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2018-08-17
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Integrated Mediation Solutions LLC (MO)

I received multiple calls from Integrated Mediation Solutions LLC between XX/XX/2018 and XX/XX/2018 regarding a loan taken out with a XXXX XXXX XXXX XXXX   d/b/a XXXX. Upon first speaking to me, the representative stated that she was calling prior to sending a judgment to my employer to resolve this debt because I failed to respond to a court summons. When I did a case search and was unable to find any filings filed by her company, she then backtracked and said that it had not been filed yet and that she was giving me the opportunity to resolve the debt. I asked for her to provide proof of the debt, and I received a form letter from her company via email ( attached ). On XX/XX/2018 I received two phone calls, one on my personal phone and one on my work phone from this company. When speaking to them, they stated that they emailed me a letter. When I asked for proof of the debt they tried to send me back to the original lender to ask for my contract. I advised that I want Integrated Mediation Solutions LLC to provide me with a copy of it so that I know they have legal jurisdiction to collect this debt. The agent/supervisor continued to try talking me out of this, and stated they would no longer be able to settle later on if I requested proof of the debt today. She stated that I was refusing to pay the debt, and I corrected her by saying I only asked for proof. I ended the call by asking for proof of the debt be provided to me. This lender violated the FCDPA by misrepresenting that they had filed a lawsuit and obtained a judgment already. They tried using scare tactics that were unethical because I wanted proof of the debt as Im authorized under law. Lastly, the original lender is not licensed in the state where the loan was obtained, and loan principal has already been paid in full. The original lender utilized an ongoing tactic of renewing the loan weekly so that it could never be paid back. Lastly Integrated Mediation Solutions misrepresented themselves multiple times - 1. Stated they received a judgement against me already, 2. Stated that I failed to respond to suit filed, 3. Stated they were representing a law firm when they were actually representing XXXX XXXX, 4.  Failed to provide the mini-Miranda stating they were a debt collector in phone conversations.
Consumer complaint received 2024-04-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC. (IL)

Recently I checked my credit reported and noticed multiple billing errors under 15 U.S. code 1666 ( b ) billing error- ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligir or a credit issued to the obligor. 


XX/XX/XXXX I first received a collection from XXXX XXXX stating I owed {$120.00}. I initiated a dispute by writing requesting verification of debt. 

XX/XX/XXXX I received a response stating the debt had been verified. 

XX/XX/XXXX I write a second dispute again requesting verification of debt. 

XX/XX/XXXX I receive a response from the same company XXXX XXXX stating they will not be handling the collection debt. 

XX/XX/XXXX I received a collection letter from XXXXXXXX XXXX attempting to collect the same debt.
Consumer complaint received 2023-12-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

Kindly delete these unauthorized accounts from my credit report. I haven't opened them, and I'm unaware of their origins. As per USC 1681g, I request their removal within the next 15 days. I've attached the relevant documents for your reference.
Consumer complaint received 2023-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MI)

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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
Consumer complaint received 2023-12-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-06-19
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. (PA)

I, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX, am mailing out this information with my wet signature. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed
Consumer complaint received 2023-04-21
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. (MI)

Transunion is reporting a account on my credit report that is not mine. the amount is {$12000.00}. I have contacted Transunion and the will not investigate and show me what they received from the investigation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2023-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

XXXX and TransUnion are reporting a public record of my bankruptcy on my credit profile. I have sent several rounds of letters to have it removed immediately and they keep responding as updated.
Consumer complaint received 2023-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (FL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2018-08-17
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. (GA)

TransUnion has inquires that I never authorized on my credit file. As well as disputing a mailing address that is being reported incorrectly. I mailed a disputed letter to them on XX/XX/2018. They never responded nor removed the unauthorized inquires
Consumer complaint received 2023-09-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (WA)

Please reference Complaint XXXX and the attached response for that complaint for the original occurrence of this Venmo outage. I'm filing this new complaint with CFPB to share : ( XXXX ) the issue is still ongoing and ; ( XXXX ) Venmo has been caught lying to the CFPB in its prior correspondence. 

Specifically, I was again locked out of my Venmo account on or around XX/XX/XXXX. I called Venmo support and the agent explained it's a known " glitch '' on their end, there's nothing the customer can do, when a customer has the " glitch '' it tends to come back, and customers just need to call back when it happens for them to apply the fix again. The agent put me on hold and after a little back and forth I was able to log into my account again. 

Note in the prior CFPB complaint, Venmo represented to CFPB that there was no outage and that the account lockout experienced was a security measure, not an error. Venmo also represented that it was acting in good faith.
Consumer complaint received 2018-08-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Security Credit Services, LLC (NE)

My account with XXXX XXXX XXXX was referred to a collection agency in XX/XX/XXXX. I finally paid off the full debt, via payroll deductions, in XX/XX/XXXX. Now, over two years later - XX/XX/XXXX - a debt of {$320.00} appears on my credit report from Security Credit Services (  a new, different collection agency ) saying that the debt originated with XXXX XXXX. I have tried contacting Security Credit Services but the only phone number listed for them goes to a voicemail message promising a call-back that never comes. In fact, I have never heard from them. Online investigation shows this company has a deep record of erroneous collection action. This debt has been paid fully in XX/XX/XXXX and needs to be erased from my credit report.
Consumer complaint received 2023-04-11
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: CAPITAL ONE FINANCIAL CORPORATION (MO)

Kohls creditor reporting late payments. The payments were made within the grace period. 

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor my not treat a payment under a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2023-12-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2018-08-17
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (IL)

Freedom Mortgage bought our loan from some other lender, why don't we get a say in this? 
But the real problem comes with our tax escrow check being held while we are exempt from property taxes. In XX/XX/XXXX of this year we finalized our XXXX XXXX XXXX veterans exemption with our county assessor. In Illinois I am exempt from property taxes. Freedom Mortgage paid the taxes to our county and the county refunded the funds back to them in XX/XX/XXXX, it is almost XX/XX/XXXX now and they are still holding our check! My wife has made approximately 20 phone calls with no real results. She eventually got the " privilege '' of speaking with a manager,  who basically lied to her stated that he/she was going to take care of this and now he/she will no longer respond to our calls! Why would they need to hold my money for over two months? 
This is XXXX XXXX and i have been a XXXX Veteran for more than a decade. I have alot of time on my hands and I will copy and post this complaint to every website out there until I get MY MONEY back. 
Freedom Mortgage, you know how my address, I will be checking the mailbox ... ... ..
Consumer complaint received 2018-08-17
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: CNG HOLDINGS INC (IN)

I obtained a lease through XXXX for a washer and dryer. When I log in, two different leases show up and I am unable to make my payments online. I call in to make a payment on XX/XX/XXXX for my XX/XX/XXXX due date. I asked them will this payment cancel out the automatic debit that comes out on the XXXX and I was told yes. Here comes the XXXX and I get an email that my payment has failed. I call in to get an explanation and they say it was a system error. I log in JUST NOW to make a payment EARLY and I am unable to. I also see that they charged me a {$20.00} return fee for a failed payment on XX/XX/XXXX! This is incorrect because I paid them EARLY and they attempted to charge me TWICE!