davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CA)

I reported 2 unauthorized transactions to chase made on XX/XX/2020 and XX/XX/2020 for {$210.00} and {$410.00} respectively. At XXXX and XXXX. I did not make the purchases that I reported and the bank has since reversed the credit and charged my account again. When I called asking how they came to that decision they simply said because the merchants had not approved the charge back and I was told to contact merchant directly and resolve the issue with them. I did contact both merchants directly and after several phone calls and a few hours of confusion and misdirection and misinformation I came to the conclusion that the bank is the one that needed to deal with it. I called my bank again looking for support and didnt receive any. On the contrary they made it seem like I was the bad guy in this and refused to do anything further and gave no advice as to how to proceed and would not send me more information on the purchases and have been very rude and hard to get help from. My bank in question is Chase bank and the purchases were made with my debit card allegedly although its unclear if whoever made the purchases used a pin or not or if the card was actually used or Information manuall entered. They havent been willing to disclose my own information which I find odd. I need help recovering my money, times are tough and I have a family with a XXXXyear old little girl. This is the first time Ive ever had to reach out this far to settle a problem. And I feel like Ive done my part and my bank has let me down on their end.
Consumer complaint received 2020-11-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2020-11-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (TX)

Direct deposits from my employers have always been deposited on Tuesday 's. According to Chime bank the funds are deposited as soon as they are received by employers. My deposit was submitted on the same time of XXXX XXXX on Sunday XX/XX/2020 per my check stub and deposit slip. Chime has multiple users across the country requesting information on why they have not received this weeks deposits with only a general automatic reply as an avail. This company prides itself on 2 day early deposits and financial freedom ... and has had so many downfalls. No 2 day deposits, no financial freedom, and every other week their internal system are down to a point where you may or may not be able to access any of your checking/saving funds for days at a time. Chime either needs to uphold the standards of the many other legitimate and professional financial settings or should be immediately shut down until their CEO as well as their internal system is physically prepared for the magnitude of customers seeking the perks that they are seemingly false advertising.
Consumer complaint received 2024-03-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX
Consumer complaint received 2024-03-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (CT)

I have reached out to them several times to try and figure out why Im in forbearance. They also wont take me off. They told me that one of the reasons was due to the fact I filed a borrows defense application and that I was approved but they have to finish things up and that take time. They sent me something I was approved but I was not approved. I emailed them and by the time they responded they said that I reached out by phone so my issue wasnt an issue. I cant get a straight answer from these people. They call and tell you something different each time.
Consumer complaint received 2020-11-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP (GA)

Elan Financial Services closed my account and called me a XXXX and said they dont have to send me my Secured Cash deposit back to me and further stated that were going to ruin your credit, a XXXX  XXXX  make customer service representative expressed this kind XXXX doing our exchange on the phone. Man Ive never let a man or woman take anything from me, period, the courtroom is where Im in charge. Nobody is in charge of me, calling on you the Consumer Financial Protection Bureau to just forward my concerns along with instructions and directives under Law and from there I will make XXXX money, theres not a XXXX out there thats in charge of me, I Win
Consumer complaint received 2020-11-11
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

CFPB I have a new case number with the United State Court because the last case number was closed because they didnt have all the information forms filled in which I left blank. The new case number is XXXX XXXX XXXX v Select Portfolio Servicing et al I refiled the case mostly with the documents I received from you all ( CFPB ) thank you all so so very much you all are the people XXXX angels and thank you for standing up especially for indigent and poor people, May XXXX continue to bless CFPB employees you all are the best!! Therefore Im asking for your continued assistance with the above case number. Select Portfolio Servicing did not apply 3 mortgage payments to my loan account number : XXXX now they are saying I owe payment for XXXX, this is false my mortgage payments are current please review attachments of exhibits A BC and D also they are adding late fees and increasing monthly payments to XXXX which is incorrect my property insurance went down and decrease {$630.00} dollars also before they sent out my new mortgage payments was {$110000.00} which was excessive overcharging. Also Im questioning the Hazard Insurance, why do I have hazard insurance added as Additional insured ( s ) and other additional interest ( s ) all these unknown and unneeded insurance fees and make me pay for, this is a big problem. I got a letter asking if I want to refinance or do an loan modification agreement, this is crazy when this whole loan modification was misrepresented by false documents and false insurance claims.
Consumer complaint received 2020-11-11
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. (AZ)

On XX/XX/XXXX, I received an email from Chase asking if I authorized a charge on my credit card. I replied that I did not. Chase then closed the account and issued a new card. 

On XX/XX/XXXX, Chase knowingly allowed this fraudulent charge on my the new credit card. 

I have attempted to dispute the charge with Chase. 

The refuse to remove the charge and are simply sending me irrelevant documents to print and mail or fax. None of the documents they want me to fill out have anything to do with an unrequested charge. 

This is simply an attempt to dissuade me from having the issue resolved.
Consumer complaint received 2020-11-11
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc. (TX)

Comenity Bank offers the XXXX XXXX credit card. When in store, the sales associate stated that there is an 18-month interest free promotion. This is what prompted me to sign up. No paperwork was given to me and there was no record of me having " chosen '' this promotion because I was never informed that there was a choice. 
Over two months, I have been charged interest. When I called several times, ( assuming on recorded lines ) I received the following conflicting information from customer care representatives : ( a ) promotion is either 10 % rewards OR 18 months no interest ( b ) promotion should be BOTH 10 % rewards AND 18 months no interest ( c ) you are not eligible for the promotion. 
I wish to pay my account in full - less the interest charged - and close the account.
Consumer complaint received 2020-11-11
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SYNCHRONY FINANCIAL (MA)

XXXX XXXX XXXX called me on XX/XX/XXXX stating I owed old navy from XXXX and they were taking action to suing me for over {$3000.00}. The woman XXXX XXXX said I can either make a one time payment of {$860.00} or make monthly payments of {$100.00}. I was so afraid I agreed to monthly payments of {$100.00}. I gave a partial payment of {$75.00} and am required to make another payment of {$25.00} Friday XX/XX/XXXX. She took down my card information and said payments will be automatically taken from my card the XXXX of every month and if I was to default on the payments I will be served and taken to court to pay the {$3000.00}. When I got home I spoke with a family member who said it could be a scam. She looked up the address for XXXX XXXX  XXXX and it is actually a XXXX store in California. The number is a 888 area code. I dont know if this is real or in fact a scam. Im scared and need some type of help.
Consumer complaint received 2020-11-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The information that would reflect positive has left off my report such as a paid off home paid off bankruptcy paid off car inadequate severely negativity is on there when uploading proof they say they have not gotten it or it won't upload when sent they claim never received I keep explaining myself twice over and never get a positive answer nor solution. I worked hard and gave up a lot of money to correct my issues and I still have a poor score which has gave me higher interest rates or flat out denial of credit..I want the corrections made I have lived in the same house for 20 years got the letter paid in full XXXX XXXX congratulations gave up thousands of dollars to pay off my bankruptcy just to still see a poor credit score not fair when creditors look and see all the negativity how can I ever get ahead of all of it. Why do we have credit bureaus if they will not have current and correct information and all I hear is we understand NO they do NOT because it isn't them being effected it is me and my daughter being a single mom after an XXXX XXXX injury trying to get back on track in my life I can't and I gave up all that revenue to fix the main issues all for nothing. I need help
Consumer complaint received 2023-05-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc. (VA)

Comenity Bank offered/advertised {$120.00} in promotional Sony Rewards credits upon satisfying the terms after opening their credit card. I opened my card in XXXX of 2022 and satisfied the terms in XXXX of 2022. After having not received any information about the promotional credits, I contacted them in XXXX via electronic message and phone to explain to them the issue, and they stated they had opened a ticket. I contacted them again by phone in XXXX and they were not able to provide me with further information other than sharing that they had escalated the issue. The could not provide me with an estimated date of resolution or when I would receive my promotional credits/rewards. I contacted them again in XXXX and they provided me with no further information. After contacting Sony Rewards, they explained the Comenity Bank had an issue with their system that tracked purchases for the purposes of the promotional credit/rewards and that they were working through it. However, it has been months since I have reached out and I still have no further information. Based on this, I feel as though Comenity Bank used bait and switch tactics by advertising promotional rewards and incentives to open a credit card with them and are now not offering the rewards which they advertised and they seem to be making no good faith efforts to provide said promotions.
Consumer complaint received 2023-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (OK)

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 2020-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Alright, here goes! 

On numerous loan applications I've done recently I've noticed that my FICO score based on Transunion data shows the following. 

SERIOUS DELINQUENCY FICO Scores consider the presence of a serious delinquency ( very late payment ) on a person 's credit report as a powerful predictor of future payment risk. Your score was impacted because your credit report shows one or more serious delinquencies. 

TIME SINCE DELINQUENCY IS TOO RECENT OR UNKNOWN Missed and late payments, including the number of late payments, how late they were, and how recently they occurred, are important to FICO Scores. Your score was impacted because the time since your most recent past due payment was too recent. 

When I check my Transunion credit report, there is no delinquency, but this supposed delinquency is affecting my FICO credit score, as my Experian based score is some 80 points higher. I pay all my stuff on time and everything is fine and dandy. I even purchased a Transunion score ( which uses the VantageScore 3.0 scoring formula ) and it rates me at XXXX or " XXXX XXXX. 

When I contacted Transunion, they told me they can't do anything about it and to contact Fico score as they would be the ones to fix it.

I contacted Fico at myFico since that seems to be the consumer side of their operations, but they told me as well that they have no control over the information that goes into generating the score and that I have to contact Transunion.

I contacted Transunion again, and they told me nothing is wrong on their end. I now have 2 companies pointing fingers at each other and am powerless as an individual to get this situation fixed, which leads me to making this complaint! If I could receive assistance in getting this fixed, that would be awesome. I personally think it's some sort of coding issue mistranslating Transunion data to FICO numbers, but both companies are telling to talk to the other, leaving me stranded.
Consumer complaint received 2023-07-13
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. (IL)

Im writing to you because the XXXX major credit reporting agency are reporting inaccuracies information on my credit report XXXX, Equifax and XXXX. This account was deleted from my credit profile and was reinserted, Section 611, states I was to be notified in XXXX business days of this account being reinserted back onto my credit profile and also according to the FRCA all XXXX credit reporting agencies must have the same information. 

I also opening up a new dispute on XX/XX/2023 and got a response back in 3 days that the item was verified as mines. It take an investigation 30 days. So I'm assuming they never investigated the account. I stated in my dispute please provide all statements showing the exact past due any miss payments and the exact date this account became negative. 

I tired to filed another dispute with XXXX and Equifax received a documents saying I can't opening another dispute according to the FCRA as a consumer you can dispute any reporting inaccurate information reporting on your credit profile. Below is the account in question. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2020-11-11
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (CT)

I enter into a payment arrangement with representative XXXX XXXX of National Credit Systems. According to Mr. XXXX, I had an outstanding balance of {$1500.00} from The XXXX at XXXX. I was surprised because I was currently in the process with XXXX ( from XXXX ) of getting a balance adjustment. According to Mr. XXXX, although I was working things out, that I needed to take care of the bill before he sends it to the 3 credit bureaus. I asked him what can I do to prevent from hurting my credit. Mr. XXXX ensured me that if I make a payment and continue to be current with the payment arrangements that they would prevent any derogatory reporting to any credit bureaus, PLEASE ASK TO LISTEN TO THE CALL RECORDINGS. ( It should be noted they record every call ) Even though I have NEVER missed a payment and/or never later ( they drafts my account ever 2nd of the month ) XXXX National Systems blatantly violated the agreement by reporting as a late payment, the wrong amount, and being sent to an attorney ( WHICH ARE ALL FALSE ). Please note that following the XX/XX/2020, payment on XX/XX/2020, they reported me late before XX/XX/2020 payment was due. I inquired with Mr. XXXX and he acknowledged that I was not in violation but he continued to try to collect {$470.00} and would remove the account from my credit report. I contacted Mr. XXXX XXXX manager, XXXX XXXX. According to Mr. XXXX, the verified that my account was NEVER late and missed any payments and there was a computer malfunction and that he would immediately DELETE the collections for All credit bureaus. According to Mr. XXXX, he submitted the initial deletion letter on XX/XX/2020. It now XXXX and this company continue to update this account with inaccurate and completely false information. After several attempts to have my account corrected, they continue to lie and refuses to provide me with a copy of the deletion letter and the printed payment history. I have left several messages and now Mr. XXXX no longer respond.
Consumer complaint received 2020-11-11
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: Resurgent Capital Services L.P. (CA)

Collection agency LV Funding Inc on XX/XX/XXXX in the amount of {$870.00} and XXXX XXXX XXXX XXXX, on XX/XX/XXXX in the amount of {$1400.00} added a derogatory mark on my credit report per XXXX XXXX, Upon Further research the accounts were transfered/ soled and I am no longer responsible for the account. Debtor 's creditor did not verify this collection, also there was NO written form of communication, contract nor signature for this accused debt at all. A bill without a signature does not validate a debt and anybody can send a bill and say it's mines. According to the FCRA ( Fair credit reporting act ) LV Funding has violated my rights as a consumer and I am requesting legal action to have these accounts be removed immediately.
Consumer complaint received 2020-11-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc. (TX)

I was billed by XXXX XXXX XXXX in XXXX New York for a total of {$82.00} for services dated XX/XX/2019 ( pathology related ) that I never received. I called the hospital multiple times for either proof of service ( medical record/lab results ) or dismissal of the charges. But the hospital did neither and eventually reported this fraudulent charge as debt to EOS CCA. When EOS CCA sent me a letter requesting payment earlier this year for the first time, I send EOS CCA a letter to explain the issue and told them it is not a legitimate debt. I also suggested EOS CCA to investigate the charge and notified EOS CCA my change of address in the same letter. However, EOS CCA is now sending me the bill to my new address without explaining to me whether they conducted any investigation into the legitimacy of the charge or the results of any such investigation.
Consumer complaint received 2020-11-11
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 70 days later, I have not received a response yet. I feel like my disputes are being ignored. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove the items from my credit report. It has been over 70 days, therefore these items should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress this has caused. My information was also impacted by the Equifax data breach and may have ended up in the hands of the wrong people.
Consumer complaint received 2022-11-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (TX)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX XXXX XXXX XXXX