davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO. (AZ)

I have had credit issues and my credit score has been very low over the past 2-3 years. The entire time I have had a credit card with Chase bank and they have never decreased my credit limit. I now have a new job, making $ XXXX a year and started paying down all my debt and improving my credit score ( this is the best it was been I. Years ) but chase lowered my credit limit without an advance notice stating it is based on my credit worthiness and is at their discretion. However, my score is better than it has ever been and makes zero sense. Tried calling chase multiple times and either get my call Transferred to a holding zone for 30+ minutes with no answer get hung up on. 
They tell me they can increase or give me more credit but I have to do a credit line- why? It feels predatory or like they are forcing me to take out new credit. Which makes ZERO sense if they lowered my limit based on my credit worthiness.
Consumer complaint received 2019-04-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (CA)

I am currently past due on my mortgage, which is serviced by Specialized Loan Servicing. When I tried to make a payment online ( XX/XX/19 ), I was unable to do so because of the delinquency, and was directed to call its service center. When calling the service center, the representative said that I would need to pay a fee to make the payment over the phone. I asked to speak with a supervisor, and was placed on a lengthy hold. When the agent returned, she said that the supervisor would call me back, which did not occur. 

I called back the next day, and had a similiar experience. The agent spoke with her supervisor, and still refused to waive the fee. 

It seems a bit unfair and abusive to restrict usage of the website, and still require someone to pay a fee, making it more difficult and expense to try to pay one 's mortgage. 

I asked the representative to file a complaint, but she said she could only log my " dissatisfaction. ''
Consumer complaint received 2022-06-02
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. (TX)

- In accordance with the fair credit reporting Act XXXX XXXX XXXX XXXX Account number XXXX has violated my rights15 u.s.c.1681 section 602 A States I have the rights 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 - In accordance with the fair credit reporting Act XXXX XXXX XXXX XXXX has violated my rights 15 u.s.c.1681 section 602 A States I have the rights 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 - In accordance with the fair credit reporting Act XXXX XXXX XXXX XXXX has violated my rights 15 u.s.c.1681 section 602 A States I have the rights 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 - In accordance with the fair credit reporting Act XXXX XXXX XXXX XXXX has violated my rights 15 u.s.c.1681 section 602 A States I have the rights 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 - In accordance with the fair credit reporting Act XXXX XXXX XXXX XXXX has violated my rights 15 u.s.c.1681 section 602 A States I have the rights 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 - In accordance with the fair credit reporting Act XXXX XXXX XXXX XXXX has violated my rights 15 u.s.c.1681 section 602 A States I have the rights 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 - In accordance with the fair credit reporting Act XXXX XXXXXXXX XXXX XXXX has violated my rights 15 u.s.c.1681 section 602 A States I have the rights 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 - In accordance with the fair credit reporting Act XXXX XXXX XXXX XXXX has violated my rights 15 u.s.c.1681 section 602 A States I have the rights 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 - In accordance with the fair credit reporting XXXX XXXX XXXX XXXX has violated my rights 15 u.s.c.1681 section 602 A States I have the rights 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
Consumer complaint received 2021-03-23
Product: Credit card or prepaid card — Store credit 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: Bread Financial Holdings, Inc. (NY)

I placed an order on XXXX XXXX. I paid {$110.00}. In that order I returned three fleece jackets. I did not receive a credit. I called Romans the credit card company. I spoke to XXXX the supervisor. He did not solve the problem. I called Comenity bank associated with romans credit cards. On XX/XX/XXXX XXXX from comenity transferred me to the credit Dept. I spoke to XXXX and she said they will wait for the return. I spoke to XXXX on XX/XX/XXXX. He placed the dispute for the credit owed to me. I have a confirmation no. XXXX. On XXXX XXXX I spoke to XXXX and closed the account. He told me do not pay on card until dispute is settled. As of this date I believe it is not settled. On XX/XX/XXXX I closed the other accounts with Comenity ( womanwithin, XXXX XXXX XXXX XXXX assisted me in closing the accounts. On XX/XX/XXXX I returned the jackets that were sent after account closed. I have returned five jackets. I have ordered anything since the account is closed. I found out there was an item sent XX/XX/XXXX. I spoke to XXXX ( a lady ) and she said she will take off the charge but can not do anything about late charges and interests. She transferred me to the credit Dept. And the hung up the phone. I owe this company nothing.
Consumer complaint received 2020-04-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AMERICAN EXPRESS COMPANY (CA)

Hello, CFPB. I am sending the attached correspondence to American Express. This company has committed multiple violations to the Fair Credit Reporting Act.

Some of the violations : 1. Inconsistent credit report.

2. Reporting incomplete information Please send the attached documents to American Express. 

Thank you!
Consumer complaint received 2021-03-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (SC)

I received an email from Citicards XXXX XXXX stating that my account # XXXX will be closed as of the expiration date on the card which is XX/XX/XXXX. Just got off the phone with them, talked to customer service, the client focus team and an account manager to try to set up a payment plan with a lower interest rate. Was told there isn't one available. I then spoke to customer service to close this account as of now and was told firstly that the card is already closed and has been sent to the credit bureau. I asked what about the letter i received and was told in is in the process of being closed. I was then told I can't close the account. Since it is in the process of citi closing it. So instead of the credit bureau seeing that I closed the acct it will see that it was closed by the credit card company which would lower my credit score. That seems illegal to me, a customer should be able to close their account at any time. I have made all my payments and I am not in arrears on any card. I then tried to close my remaining card with them and was told I needed my pin, never has to use one before this. They said they would text my one. Then I was conveniently disconnected. I have been trying to raise it since the end of XXXX at which time I had emergency XXXX XXXX XXXX and wasn't able to work for 6 months.
Consumer complaint received 2021-03-23
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Federal Credit Control, Inc. (FL)

I had a hit on my credit report for {$560.00}. I was notified by XXXX XXXX and XXXX XXXX. When I opened it to see what it was from, it said collections from First Federal Credit Control. I have never heard of them and was never notified by them at all. I had no knowledge of this debt, received zero debt validation. So I called the number listed and the lady ( XXXX XXXX ) was the rudest person I have ever spoken to, even hung up on me multiple times. Just kept telling me to pay it and she will remove it from my credit, but could not tell me what the amount was for and why it was so much. She said they tried sending me something in the mail, but it was returned to them since they had the wrong address. So she acknowledged that I never received anything in writing regarding this debt. After finding out the bill amount from the doctor 's office, the collections agency still said the amount is {$560.00}, when the original bill was {$460.00}. She told me she can't do anything about the amount and that I need to pay it. I asked multiple times to be transferred to someone else or a manager and they just kept hanging up on me.
Consumer complaint received 2022-12-29
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)

I have disputed this XXXX XXXX XXXXXXXX and it has not been corrected. The account is still reporting wrong on my credit report but it is already closed. This account have been closed however, the account payment status is 30 days late. The account payment status CAN NOT be 30 days late on an account that has been closed. The account status is wrong and should be closed. Now, I want you to correct this misinformation on my file. XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/2017 Balance : {$1500.00}
Consumer complaint received 2021-03-23
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. (NC)

I HAVE NOTICED I HAVE MANY INSTANCES OF MISINFORMATION REPORTED ABOUT ME, EITHER THE MISINFORMATION STEMS FROM INACCURATE REPORTING, REPORTING OF UNVERIFIABLE INFORMATION, REPORTING OF INVALID INFORMATION, FRAUDULENT REPORTING OF INFORMATION, OR REPORTING THE INFORMATION I BELIEVE IS IDENTITY THEFT. I HAVE NO KNOWLEDGE OF HOW THE MISINFORMATION STEMMING FROM THE ABOVE CAME ABOUT. I HAVE NOT AUTHORIZED ANYONE TO MISUSE OF MY PERSONAL OR FINANCIAL INFORMATION. PLEASE PHYSICALLY VERIFY ALL ACCOUNTS, DATES, NOTATIONS, BALANCES, CALCULATIONS, ACCOUNTING RECORD, WHETHER RECORDED OR NOT TO INCLUDE METRO2 426-CHARACTER P6 STATEMENT, 5 PART PERSONAL IDENTIFIERS AND ALPHA NUMERIC AND ALPHA NUMERIC SOURCE CODES AND DELETE/BLOCK PERMANENTLY THE REPORTING OF ANY.
Consumer complaint received 2021-03-23
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)

I HAVE NOTICED I HAVE MANY INSTANCES OF MISINFORMATION REPORTED ABOUT ME, EITHER THE MISINFORMATION STEMS FROM INACCURATE REPORTING, REPORTING OF UNVERIFIABLE INFORMATION, REPORTING OF INVALID INFORMATION, FRAUDULENT REPORTING OF INFORMATION, OR REPORTING THE INFORMATION I BELIEVE IS IDENTITY THEFT. I HAVE NO KNOWLEDGE OF HOW THE MISINFORMATION STEMMING FROM THE ABOVE CAME ABOUT. I HAVE NOT AUTHORIZED ANYONE TO MISUSE OF MY PERSONAL OR FINANCIAL INFORMATION. PLEASE PHYSICALLY VERIFY ALL ACCOUNTS, DATES, NOTATIONS, BALANCES, CALCULATIONS, ACCOUNTING RECORD, WHETHER RECORDED OR NOT TO INCLUDE METRO2 426-CHARACTER P6 STATEMENT, 5 PART PERSONAL IDENTIFIERS AND ALPHA NUMERIC AND ALPHA NUMERIC SOURCE CODES AND DELETE/BLOCK PERMANENTLY THE REPORTING OF ANY.
Consumer complaint received 2021-03-23
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: JPMORGAN CHASE & CO. (PA)

I had a lease agreement with with JP Morgan chase for a XXXX XXXX XXXX that started as of XX/XX/XXXX of XXXX with an expiration date of XX/XX/XXXX of XXXX. Due to COVID restriction, my due date was extended to XX/XX/XXXX. I returned vehicle on XX/XX/XXXX to the only dealer I was able to find with no available appointments and dealer was out able to precoces return until the XXXX due to lack of resources working at the dealer at that time. 

On XXXX I reached out to JP Morgan Chase Auto Finance to try to negotiate pay off amount to purchase the car with an estimated value of less than {$7000.00}. Chase Auto Finance refused me the option to buy the car instead forced me to turn in the vehicle immediately to the closes XXXX dealer. 

Due to COVID restriction, holidays and limitations, there were no dealers taken returned lease cars. My account was paid in full for the 54 months I owned the lease agreement and even though i was rejected to buyout the XXXX XXXX car, i requested to have an extension to return vehicle due to issues with finding an open appointment with a XXXX dealer to return the vehicle. I had to travel out of state to get a dealer willing to take in my lease. 

Now, Chase is trying to collect extra fees for NOT finding a dealer to intake return leased vehicle which is out of my control. Chase representatives and managers refused to grant an exception due to Covid restrictions and want to charge my a full month of fees when I was not able to find a dealer. I have no control of Covid pandemic and government restrictions and I should not be charged for a full extra month when Chase was the party refusing me the option to purchase car or extend lease. 

I need assistance by investigating this issue and for Chase to stop trying to collect extra unfair fees for a vehicle that was not in my position for a full month. No one has control on this COVID pandemic and shouldnt have the negative imposition to take advantage of this situation to collect additional fees for governmental restrictions.
Consumer complaint received 2021-03-23
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Orion Capital Solutions LLC (PA)

On XX/XX/21 at XXXX I sent an email to Orion Capital Solutions requesting that they cease all phone contact with anyone regarding this issue and requested that all communication occur in writing. I followed this up with a phone call to XXXX at approximately XXXX. I spoke to XXXX at extension XXXX and was told that my written request was received and that no more calls would occur. At XXXX I was contacted by a third party that XXXX had just left them a voicemail asking for my " location information ''. This is a clear violation of the FDCPA and I am entitled to relief.
Consumer complaint received 2020-04-04
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. (MO)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX XXXX- Fradulant XXXX XXXX- Fradulant XXXX XXXX XXXX Fradulant XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fradulant XXXX XXXX-Fradulant XXXX  XXXX XXXX  XXXX Fradulant XXXX  XXXX XXXX- Fradulant XXXX  XXXX Fradulant  XXXX XXXX XXXX- Fradulant XXXX XXXX Fradulant XXXX XXXX XXXX Fradulant
Consumer complaint received 2022-12-29
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. (NJ)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXXXXXX 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 2019-12-26
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: HSBC NORTH AMERICA HOLDINGS INC. (TX)

We do not have an account with this bank We received emails asking us to verify info. 
We suspect the emails are scams Addresses on our emails ... 
HSBC Group <XXXX> HSBC Group <XXXX> Textin emails ... 
Dear Customer Your account has been suspended due to suspicious activities. 

We're letting you know that you have exceeded the maximum number of attempts to authenticate with your credentials. As a result, for your protection, we temporarily suspended your ability to access your account online and to receive codes. 


Verify your Access You have to reactivate your account within the next 24 Hours in order to continue using it. 

Thank you for choosing HSBC for your banking services.
Consumer complaint received 2022-12-29
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)

I have disputed these XXXX XXXX XXXX and it has not been corrected. The following accounts are still reporting wrong on my credit report but it is already closed. These accounts have been closed however, the account payment status is 30 days late. The accounts payment status CAN NOT be 30 days late on accounts that has been closed. The account 's status is wrong and should be closed. Now, I want you to correct this misinformation on my file. XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00}, XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Balance : {$5700.00}.
Consumer complaint received 2022-06-02
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Onity Group Inc. (NY)

Have received a loan modification. I made all 3 trial payments and even more. They then canceled my modification because my wife did not send her signature back in time when I told them that we are going there a divorce and that she needed more time to send her signature in even though I sent in my signature and had it notarized. 
This also started during covid and is Covid related. 
I have had numerous people try to call to get my modification reinstated and no one can get threw to anyone. 
When people leave a message no one calls back. 
They wont even except a mortgage payment from me at this time. How can I get a supervisor to speak to my representative who speaks for me?
Consumer complaint received 2022-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I, XXXX XXXX have sent multiple dispute letters via certified mail regarding a bankruptcy reporting inaccurately on my consumer report. The bankruptcy is not reporting on XXXX, but is reporting on Transunion and XXXX. Though I have presented proof, neither will remove from my consumer report.
Consumer complaint received 2022-06-02
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: FlexShopper, Inc (MS)

I was charged for the flex shopper insurance plan on product never received they charged me {$4.00} every other week and I called to ask them how can you charge me for warranty on a product you never shipped nor have I ever received it they refused to give me my money and now I owe them {$16.00} for fees for extended warranty on a product never received or delivered they took the money directly out of my bank account and I was not aware of this since I never received the product. You can not charge someone warranty for a product that was never received then refuse to refund money you took for no exchange of merchandise and then put a person in the negative as owing money when they never got your product.
Consumer complaint received 2022-06-02
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. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.