davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-16
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. (CA)

On XX/XX/XXXX I purchased a flight scheduled for XX/XX/XXXX using miles valued at {$2300.00} using Chase Bank 's travel portal. On XX/XX/XXXX I was informed by the airline that the flight was cancelled due to the pandemic. I reached out to them regarding a refund but they stated since the booking came from Chase, I had to reach out to them for a refund. On XX/XX/XXXX I spent 2.5 hours on customer support with Chase Bank, who repeatedly told me they could not refund me without the airline 's consent. I informed them of a DOT Enforcement Order issued on XX/XX/XXXX ( https : //www.transportation.gov/sites/dot.gov/files/XXXX/Enforcement % 20Notice % 20Final % XXXX % 203 % 202020.pdf ) that stated I am entitled to a refund. They stated they could not do it. My wife and I have been emailing back and forth with a banker at Chase to try to get the 2 entities, XXXX  XXXX XXXX and Chase Bank, to talk to each other. This has also not been successful. I am now attempting to file a complaint as a billing error under USC Title 15, Chapter 41 Subchapter I Part D Section 1666 ( b ) ( 3 ) ( https : //uscode.house.gov/view.xhtml? req=granuleid % 3AUSC-prelim-title15-chapter41-subchapter1-partD & edition=prelim ).
Consumer complaint received 2020-06-16
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. (AR)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. 

XXXX XXXX {$120.00} XXXX XXXX {$130.00} XXXX XXXX {$1500.00} XXXX XXXX {$5100.00} XXXX XXXX {$150.00} XXXX XXXX XXXX {$22000.00} XXXX XXXX XXXX XXXX {$12000.00} XXXX XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX  XXXX {$260.00} XXXX XXXXXXXX {$720.00} BANKRUPTCY CHAPTER XXXX DISCHARGED XXXX {$0.00}
Consumer complaint received 2020-06-16
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. (AR)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. 

XXXX  XXXX {$120.00} XXXX  XXXX {$130.00} XXXX  XXXX {$1500.00} XXXX XXXX {$5100.00} XXXX XXXX {$150.00} XXXX XXXX XXXX {$22000.00} XXXX XXXX XXXX XXXX {$12000.00} XXXX XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX  XXXX {$260.00} XXXX  XXXX {$720.00} BANKRUPTCY CHAPTER XXXX DISCHARGED XXXX {$0.00}
Consumer complaint received 2020-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX and Transunion are incorrectly reporting an account where I am shown as an Authorized User on XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Consumer complaint received 2022-10-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (WA)

I deposited a XXXX party check and the bank froze my account after I spoke to a bank representative about the hold they put on the check and now refuses to release my funds. They said that I needed to go to a branch to withdraw. So I drove to California to the nearest branch and still without a doubt didn't release my funds.
Consumer complaint received 2023-07-28
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Spring Oaks Capital, LLC (FL)

I received mail on XX/XX/2023 from a law firm indicating that there is a lawsuit against me from LLC Spring Oaks Capital SPV and they would like to represent me. However, I never received any notice regarding a lawsuit being filed. I don't have an agreement nor a contract where I was working with them so I'm not sure who they are or what debt they are trying to collect.
Consumer complaint received 2020-06-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CA)

My current mortgage loan was transferred to a new loan servicer. The new loan servicer stated that I was behind on my loan payments when I was current. When I contacted them I was directed to contact my prior loan servicer to provide the missing funds. 
I've made repeated attempts to resolve the matter with the previous load servicer to no avail. My phone calls have gone with not replay. 
Phone calls made XX/XX/2020, XX/XX/2020. I was informed that a representative would return my phone call but have not received a follow up phone call. 
Amount on question is XXXX Old loan servicer is XXXX, XXXX New loan servicer XXXX XXXX XXXX. XXXX XXXX Loancare XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX
Consumer complaint received 2022-10-28
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION (WI)

They are calling excessively- a minimum of five times daily. I have spoken to them and told them to call the primary person on the loan to discuss the late payments ( I am the cosigner ). They say they will, but then I will receive further calls from them that same day asking the same questions repeatedly. The people on the other end of the phone are rude, harassing, unreasonable, and persistent. I would like the phone calls to stop.
Consumer complaint received 2020-06-16
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. (TX)

This item was previously removed from my credit due to identity theft and has been re-inserted as a new account as of XX/XX/2020 in the amount of {$68.00}, in which is illegal. Please remove this debt off of my credit.
Consumer complaint received 2020-06-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

Capital One has locked my account so I have to pay extra fee over the phone and has not kept their promises, On or around XX/XX/2020 I made a {$35.00} payment for my card with a {$530.00} balance and was told that if I made another minimum payment ( {$25.00} ) on XX/XX/XXXX or XXXX ( can not remember which ) they would report me as being current and they would not report me before then. 3 days ago I got a report from XXXX and XXXX  that Capital One reported me as being 90 days late going against everything they had promised me on or around XX/XX/XXXX. This is not the first time they did not go by their policies nor their promises made to me. This is the 4th time I have had to file a complaint with you and XXXX against them for fraudulent practices and/or false promises. This is causing me more money and since closing my account has dropped my credit score over 100 points.
Consumer complaint received 2020-06-16
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: CITIBANK, N.A. (IL)

I signed up for a Costco Citi card because of its generous rewards program. Once the COVID-19 pandemic quarantining began, I communicated with " XXXX, '' over chat, who identified herself as being from " team number XXXX '' the company refuses to offer any alternate way to redeem the almost {$200.00} check. 

See chat transcript below : Info at XXXX, XX/XX/XXXX : Youre now being transferred to the next available representative. 
Youre now connected to XXXX. 
You at XXXX, XX/XX/XXXX : Hi there. I received a physical paper check that must be brought into a XXXX, despite the pandemic. Have you come up with alternate ways to redeem? 
( rewards check ) Read XXXX at XXXX, XX/XX/XXXX : Good Afternoon, the rewards certificate will need to be used at a Costco warehouse. It doesn't expire until XX/XX/2020. 
You at XXXX, XX/XX/XXXX : Yes, and what makes you think the pandemic will have subsided by then? This is unacceptable. I will be reporting Citi to my state Attorney General 's office. 
Read XXXX at XXXX, XX/XX/XXXX : I apologize for any inconvenience. 
You at XXXX, XX/XX/XXXX : What's your last name or employee ID for the CFPB complaint I'm filing? 
Read XXXX at XXXX, XX/XX/XXXX : I can only give my first name and my team number XXXX.
Consumer complaint received 2022-10-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aldous & Associates, PLLC (NJ)

The Gym location I joined closed permanently ( XXXX, NJ location ) in XXXX ; therefore, I cancelled my membership and put it in writing as instructed to do so by XXXX in Membership services and XXXX in Accounting. They moved XXXX memberships to XXXX XXXX location in XXXX and said they would freeze my membership and asked me to reconsider my cancellation. 

I said I did not feel safe coming back to the gym due to the Pandemic and because I had family members who died from exposure XXXX in similar environments. 

XXXX said he never got my cancellation letter that I hand delivered to the front desk and said to mail it ; which I did. Now he is saying he never received my cancellation letter from XXXX and that my membership was unfrozen in XXXX, XXXX without my knowledge or consent. I again reminded XXXX that I did as he instructed and cancelled my membership in writing-twice now. My membership was a joint membership and the other membership was cancelled with no issues. I feel as though I am being targeted and preyed upon for {$190.00} which according to XXXX at XXXX XXXX includes Attorney fees and other fees. I followed XXXX XXXX 's protocol for cancellation and they are still demanding that I pay fees for which I cancelled the membership a long time ago.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2022-10-28
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (TX)

So I sent a letter on XX/XX/2021. Here is my tracking number XXXX to remove personal information that I don't want on my credit report. According to the Fair credit act report act 15 USC 1681.I have the right to privacy. Also According to the USC 6802. No financial institution is not suppose to share my information to the third party people. These are violation of my federally protected consumer rights.
Consumer complaint received 2020-06-16
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. (MS)

My credit report contains a Chapter XXXX Bankruptcy, which is unlawful according to the FCRA due to the fact that this is not public record. The court at which I filed bankruptcy does not report to the credit bureaus. The bankruptcy court at which I filed sent out a letter XX/XX/XXXX of 2020 stating that they do not report to any of the credit bureaus. The letter is attached to the documents that I provided. I have also attracted an affidavit of dispute
Consumer complaint received 2020-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (OH)

My complaint involves all of the credit reporting companies, as I know at this time. One of my credit card companies sent a letter stating my credit score had been dropped to XXXX   based on reports from one or more of the credit reporting companies. I have tried to talk to someone with those firms in order to obtain information on which they furnished showing the basis of the score. The system they use for call in service does not allow one to speak with  a person to either give or obtain information. The most important complaint I have is that credit reporting firms do not attempt to talk to consumers in order to get the other side of a dispute. They primarily use information furnished by creditors on disputes. I was never contacted by anyone asking for my side of any problem. This is totally unfair in a country where, if one is  accused, the plaintiff must present proof of an accusation. Obviously, no attempt was made to develop the truth in at least this incident.
Consumer complaint received 2020-04-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (NJ)

Good afternoon. My mortgage was sold from XXXX to Loancare. I received an email from Loancare advising everything will stay relevant same reference my auto draft biweekly payments. Ive been doing this for the past 7 and a half years without any incident. I get paid every other Friday and when I get paid half the mortgage gets taken out of my bank account automatically. Well Loancare took it upon themselves to take the first biweekly  payment on XX/XX/2020, which is a Wednesday. Than the next biweekly payment on XX/XX/2020 which is not the week I get paid. And again on XX/XX/2020 which is not the week I get paid. This caused my bank to charge me overdraft fees because they drafted On the wrong dates. In the middle of this I spoke to several employees in their customer service department. They ensured me it was corrected and it would start drafting on XX/XX/2020. Of course it was not. Than I called again and they said it was fixed and would start drafting on XX/XX/2020. Today XX/XX/XXXX I received a phone call stating they can not fix the problem and the dates to be drafted will continue to be the opposite weeks I get paid. I have all bank statements for several years proving my point. This has put great stress on my family and myself not knowing if or when they will draft a payment. I feel like they are gambling with my money and refuse to help me. I am not asking to stop payments. Im asking to put me on the correct auto draft schedule.
Consumer complaint received 2024-05-30
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Upgrade, Inc. (NJ)

Received calls and emails from company during the initial days of my 15 day grace period to pay my bill. Also, received an email AFTER ( I received NO PRIOR NOTICE ) the company dropped my max limit for my card by XXXX received this email on XX/XX/24. Obviously, this XXXX drop on credit limit keeps me bound to making higher payments in such ways where I will never be able to pay-off and close this card. Absolutely unfair, unlawful, predatory lending tactics.
Consumer complaint received 2020-06-16
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: MUFG AMERICAS HOLDINGS CORPORATION (CA)

My Name is XXXX XXXX, and I have been trying to get a loan modification plan with Union Bank. My wife XXXX XXXX lost her job back before XX/XX/XXXX, and we were unable to pay. Right then we kept in close contact with the lender Union Bank for a loan modification to catch up on our payments. Right from that point we were told they could not accept our income and we could not understand why. Fast forward to XXXX we re applied again sending all the proper documentation they needed to get our file done in a timely manner, even taking time off my work to send faxes and gather the documents. 
XXXX XXXX the Underwriter over my file spoke to me since the other representatives were unable to give us an answer as to why we are being decriminiated against on our income. XXXX XXXX then went forward and stated to resend documentation of income during the Covid19 pandemic, and we did so. A few weeks later again they descriminiated against my income since I work both in the state of XXXX, and XXXX. She stated that the income willnot be accepted. We do not know why this income is nit acceptable when the income is valid. My wife started a new job and also presented her income offer letter and this was still not accepted. XXXX XXXX keeps stating we do not live in the home, in which we do live there. I work in and out of the state and own NO OTHER PROPERTIES. We love our home and we live in our home, and we just need assistance with getting a loan modification to save our home. XXXX XXXX told us that our home will go to foreclosure XX/XX/XXXX. We sent XXXX XXXX a full breakdown on the funds we have to come in with to start the process and still she denied us based on the fact I work both in and out of XXXX. This is desparate treatment and overt descrimination against my income, and I need help. Please Help us we want to save our home.
Consumer complaint received 2020-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AZ)

I received a letter from XXXX XXXX XXXX XXXX on XX/XX/XXXX stating " on XX/XX/XXXX we sent a report to the credit reporting agencies to remove delinquent payment information from XXXX, XXXX and XX/XX/XXXX ''. I applied for a home refinancing on XX/XX/XXXX with XXXX XXXX XXXX and was denied credit due to credit score below 600 and a report of past due mortgage from XXXX for XXXX, XXXX XX/XX/XXXX from the three credit reposrting agencies, Experian, XXXX and XXXX .Please see letter from XXXX Mortgage from XX/XX/XXXX and letter with negative credit report received from XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (DE)

I was in a car accident and my car was totaled, I had XXXX XXXX XXXX and spoke to my rep repeatedly. She knew I was in the accident and no longer needed the insurance and still charged me for a month of service I did not have a vehicle after I dropped the insurance.
Consumer complaint received 2020-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

Equifax ; XXXX and XXXX are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2022-11-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capital Accounts, LLC (DC)

This company has violated HIPPA law and showed debt on my credit report as XXXX XXXX XXXX XXXX XXXX XXXX  Agreed to write off this balance because the XXXX did not work no fault of my own. Also I had two dental insurance companies and the XXXX office indicated the account was paid in full after I paid a few XXXX The account is not owed and needs to be removed ASAP
Consumer complaint received 2020-06-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Google Compare Credit Cards Inc. (AZ)

Hello. My husband XXXX XXXX. He worked for XXXX XXXX at the time. He would send me money through Google Pay as he was only home every six weeks for 2-3 days. We used Google Pay many times without incident but this time Google Pay deposited money in my account but then withdrew it the next day for a total of XXXX XXXX dollars. I have been demanding our stolen money from Google Pay for over a year. I filed cases with Google Pay ( case ID XXXX ), the XXXX, the FTC and the Arizona Attorney General. Google Pay acknowledges deposits but ignores their withdrawal which I have documented. They said my husband stole the money, my bank stole the money and I am sure now the Arizona Attorney General and/or the FTC. I just want our money back.
Consumer complaint received 2020-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

TO WHOMEVER IT MAY CONCERN, THIS IS NOT THE FIRST TIME I HAVE BEEN ATTEMPTING TO REMOVE FALSELY, INACCURATE INFORMATION OFF OF MY CREDIT REPORTS. THE FOLLOWING ACCOUNT IS REPORTING NEGATIVELY AND DOES NOT BELONG TO ME : -XXXX  XXXX ( XXXX ) THIS ACCOUNT WAS SUPPOSED TO GET REMOVED BY EQUIFAX QUITE A WHILE AGO. XXXX HAD SEND ME A LETTER STATING THAT THEY WILL REMOVE THEY WILL ASK EQUIFAX TO REMOVE THE FALSE INFORMATION OFF OF MY CREDIT REPORT, DUE TO THE FACT THAT THEY CONFIRMED THAT I AM NOT ASSOCIATED WITH THIS ACCOUNT. I HAVE ATTACHED DOCUMENTATION OF WHICH PROVES THAT THIS ACCOUNT DOES NOT BELONG TO ME ( AS WELL AS MY LICENSE AND SSN CARD ). I DEMAND TO GET THIS ACCOUNT REMOVED, I DO NOT HAVE TO FEEL THE NEED TO ACQUIRE FURTHER LEGAL ASSISTANCE.