davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NC)

I received a telephone call from Portfolio Recovery Associates from a number shown as XXXX in XXXX NC on Tuesday, XX/XX/2021 at XXXX XXXX I did not answer the call and blocked that number on my phone because it was not a number known to me. Today, XX/XX/2021 at XXXX XXXX I received a call from XXXX in XXXX, Alabama. I called the number back and was told first in a recording and then when I spoke to someone that this number is for Portfolio Recovery Associates. When I explained that I have no debt and asked that I be taken off their call list, I was asked for my account number or my social security number. When I explained that I don't have an account and that I certainly don't give out my social security number, I was told that there is no way to access my account so they can remove me from their call list. 

My only debt is a car payment that has never been paid late ( auto-drafted from a savings account ) and a credit card which may have of balance of $ XXXX but is always paid on time and is often {$0.00} balance. These people need to quit calling me!
Consumer complaint received 2020-06-17
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)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX XXXX {$1100.00} XXXX XXXX {$1300.00} USDEDPED XXXX {$9200.00} XXXX XXXX XXXX XXXX {$4000.00} USDEDPED XXXX {$3500.00} XXXX XXXX {$0.00} XXXX XXXX {$2000.00}
Consumer complaint received 2021-08-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

XX/XX/2021, {$30.00} : This company has failed to apply the payment within a timely manner, and has placed a hold onto the payment and available credits, for verification of receipt of funds from the bank for 30 days. 

However, the funds have already been received, and there has never been an issue with any payments being made on this account. 

And all payments have been on time. But I am concerned about the fluctuating available credit being removed several cents to a {$1.00} continuously.
Consumer complaint received 2021-08-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

Yesterday I made a deposit on my account and today when I tried to login and check the deposit it showed my account was suspended when I a called the number I was transferred countless times to a back office operator who literally mistreated and treated me like trash and dropped my calls 3 times and when i would call back he would literally accuse me of hanging up the call, this person literally made notes on my account forbidden people to give me information and everyone i spoke with after this person was invasive and dismissive with me and worst yet the person closed my account and refused to explain to me what exactly happened. 

They literally humiliated me to the point i broke down crying begging for someone to speak with me with a grain of understanding and willingness to tell me and explain me whatever was happening.

They told me they needed to just confirm a few things but in reality that XXXX office person who closed my account and made false reports and notes I literally had an account one day and was using my card less than 24 hours later they closed my account and humiliated me i never in my life felt so mistreated and humiliated. im literally crying writing those words because thats how small and insignificant they made me fell and how they treated me. 

please i want to hear the calls and want to know what i did wrong to be humiliated the way they did to me
Consumer complaint received 2021-08-06
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO. (MI)

Chase Bank refuses to identify an appraiser who generated an appraisal report of a residential property in XXXX, Michigan. ( That appraisal was the basis of a Chase complaint against me proven frivolous by the state of Michigan. ) Refusal to provide the appraiser 's license number and license level is in violation of Michigan 's Occupational Code, which states that they must " produce evidence of licensing upon request by a member of the public or a representative of the department. '' Please obtain the appraiser 's name and license number for the appraisal of XXXX XXXX, XXXX, MI XXXX completed on XX/XX/2010 and forward that information to me. Attached are documents detailing the results of that appraisal.
Consumer complaint received 2021-08-06
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. (NY)

To whom it may concern, I was looking at my XXXX XXXX i noticed inaccurate information. I noticed XXXX XXXX  put a late fee on my account on XX/XX/2020. I called XXXX XXXX  on XX/XX/2020 they admitted i was never late. I asked them if they can send me this in a document form they said they couldn't. I just want this late fee removed from all credit reporting agencies as this is inaccurate information and I always paid on time.
Consumer complaint received 2021-08-05
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: AMERICAN EXPRESS COMPANY (MD)

I upgraded my Amex Gold card to an Amex XXXX  card in XX/XX/2021 upon receiving the following upgrade offer : - Spend {$2000.00} within six months and get XXXX Membership Rewards points - Earn an additional 9x Membership Rewards, up to {$15000.00} in spend, at grocery stores for a total of 10x Membership Rewards I completed both of these requirements in XX/XX/2021. Representatives via phone and chat have confirmed that the offer is attached to my account and I should have received the points. Terms of the offer state that I should have received the points within 8-12 weeks of purchase. That timeframe passed in XX/XX/2021, and I subsequently opened an investigation with American Express. The company has not responded to my requests for an update, and has not posted any bonus points. The total bonus points due are XXXX + XXXX ( 9 x {$15000.00} at grocery ) for a total of XXXX Membership Rewards points. 

I am asking the CFPB to contact American Express for an official response. No more investigations. The points should be posted in accordance with the bonus offer.
Consumer complaint received 2021-02-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: INVESTORS BANK (TX)

I opened a checking account with {$250.00} promotion bonus last year. In case, I confirmed the promotion details with customer service on XX/XX/20 and received response " The account is eligible for the {$250.00} reward and the conditions you confirmed are correct ''. So I just completed the monthly requirements but never received the bonus. Then I was told " The first month from you opening the account allows you to establish one of the conditions. So as long as you have the conditions on your account you will see the reward starting in XXXX '' from them. Surprisingly I didn't received the monthly reward In XXXX and received the response " We do apologize for the delay in following up on this situation. In completing further research, the account is not eligible for the reward due to the opening date. The account was opened on XX/XX/XXXX and we did not begin the promotion until XX/XX/XXXX. I could provide the screenshots to confirm I did see the promotion in XXXX last year but it never mentioned the period ( please see the link also https : //www.investorseaccess.com/Checking? utm_source=InvestorsBank & utm_medium=email & utm_campaign=eAccess % 20Checking % 20Launch # FAQs ). I confirmed twice with the promotion but they said I was not eligible for this bonus after completeing the requirements? It was actually a fraud and wasted my time and money during such a hard time. 

The promotion details : Bonus is up to {$250.00}, {$25.00} per month for 10 months. To be eligible to receive monthly bonus you must maintain a monthly average balance of {$1000.00} or more AND satisfy one ( 1 ) of the following transaction activity requirements : you have an ACH deposit ( s ) totaling {$500.00} or more during your statement cycle ; OR, you have Mobile Check Deposit ( s ) totaling {$500.00} or more during your statement cycle ; OR, complete 10 Point-of-Sale ( POS ) transactions during your statement cycle
Consumer complaint received 2021-08-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (NJ)

On XX/XX/2021, I received a notice that Caliber Home Loans paid my property tax for XXXX. I called Caliber and asked why that happened? The customer service rep said she would investigate. 

She told me that I was delinquent with my taxes. I told her that I was NEVER late when it came to paying my property taxes. She investigated further and found that I was {$.00} short. I said seriously? She laughed and said yes. With that, I let her know that I would cancel my scheduled tax payment with the city and would send the money to Caliber to so there would not be an outstanding balance. 

I called Caliber after the check cleared ( Approx. XX/XX/XXXX ). I spoke to a CSR, told them what happened and also let them know that I wanted the {$3100.00} to be applied to the outstanding escrow account and the account closed as I don't have escrow per my contract. They said they would do it and not to worry. 

In XXXX, I received a notice that I my payment would change in XXXX and that I would be forced into an escrow account. I called Caliber several times and was told that this would be taken care of. I got another notice that said my request was denied. The notice stated that I was delinquent with my taxes and I didn't put my request in writing. I put my request and back up documentation in writing. I was still denied. 

I called Caliber once again and asked to speak with a manager. I explained to the manager, XXXX, # XXXX, what happened. She responded that I was delinquent with my taxes and I would have to wait twenty four months to have this looked at again. 

I explained once again that I was not delinquent, I was short {$.00} cents. I said that they were forcing me into escrow because of {$.00} cents? She would not budge and kept insisting I was delinquent. 

I have NEVER missed a mortgage or tax payment. My monthly payment is now going from {$1200.00} to {$2700.00}, An increase of {$1400.00}. My taxes are only {$13000.00}. They are now asking for {$17.00}, XXXX for escrow?
Consumer complaint received 2021-08-05
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. (MD)

- XXXX accounts show late even though I have proof from XXXX that my account was under forbearance ; forbearance negates the necessity of making payments and no late payments are collected during this time.I 've disputed and shown this proof to XXXX  and transunion but they've done nothing to update this - XXXX account shows my full balance owed on the account but I've already fully paid and closed out the account
Consumer complaint received 2021-08-05
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: TRUIST FINANCIAL CORPORATION (MA)

I received 2 mailings on XX/XX/2021 from SunTrust bank. One for checking, the other for savings. I did not open any accounts with SunTrust, nor have I ever done business with them. I called and they verified that they had my social security number. They said they would cancel both accounts. Yet I later received a statement from them. 
I asked for info on the criminal who has my social security number and if they could shed any light on this. But they refused. 
Also, it is very strange that they opened 2 new accounts with no funds. Every bank account I know of has a minimum deposit in order to open the account. How could they open accounts with no money?
Consumer complaint received 2019-03-01
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: JPMORGAN CHASE & CO. (NY)

I hap applied for Chase Freedom credit card on XX/XX/2018 and received XXXX referenced letter. I did not have and still do not have any negative remarks on my credit report. I would like to have detailed explanation regarding why Chase Bank did not approve my application and how I can solve the mentioned " unsatisfactory '' relationship. I faxed them the same request back in XX/XX/XXXX however they did not reply.I do have other credit cards and accounts. Kindly investigate and advise.
Consumer complaint received 2021-08-05
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: DISCOVER BANK (FL)

I ordered a tricycle via internet on XXXX XX/XX/2021 ( Order # XXXX ) for {$99.00} and I used the Discover card to pay for it, before entering my shipping address ; right when I clicked it appeared the XXXX logo along with a name " XXXX ''. The very next day, I found on the internet, an email " XXXX and sent the mail as I wanted to have more information about the purchasing. 
I never received any answer. I waited for the tricycle to arrive and it never did. 
Then, via Internet, on XX/XX/2021 I found an email XXXX and I sent an email to this person to CANCEL the above order as to that day I never received the item. In the meantime I informed the Discover because the charge was already there. Discover reversed the charge, Then, on XX/XX/2021 Discover charged my account again and since then, it has been a nightmare as I have called Discover constantly but went nowhere. Yesterday ( XX/XX/2021 ), I called the Fraud Dept at Discover and I was told that they had received a document from the merchant XXXX XXXX '' stating the the merchandise was delivered with no signature. I told them that I want to see the document as I NEVER RECEIVED ANY ITEM. Last night, Discover sent me a document showing it was delivered on XX/XX/2021 @ XXXX XXXX  to a USPS Mailbox with Tracking # XXXX. This morning, after I called Discover again and told them I do not live in a mail box. The woman to whom I spoke told me to prove it because they believed on the merchant document. Please, help because this is the second time Discover get my money, the last time, was about {$3400.00} or so for a bathroom work that was never done which I will file a complaint later. I wish I could deal with the seller but I have no idea and XXXX people always directs me to their website which does not solve the problem. Please, help.
Consumer complaint received 2021-08-05
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 have sent two debt validation letters to First Federal Credit Control. The first validation letter was sent on XX/XX/. The company First Federal Credit Control respond with a billing statement which did not valid any of the requested Information. The next letter was sent on XX/XX/ which was a failure to validate letter, the company did not respond in the 15 day timeframe. This company have failed to validate my debt each time.
Consumer complaint received 2021-08-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.
Consumer complaint received 2021-08-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (GA)

On XX/XX/XXXX as a consumer, I filed a rental application with XXXX XXXX in XXXX Ga. The application fee of {$150.00} was paid in full. I never moved in the apartment. In XX/XX/XXXX a collections account appeared on my credit report from National Credit Systems representing XXXX XXXX. As a consumer, I was in the process of finalizing a mortgage loan and a career advancement opportunity with an executive search firm. Due to the gross negligence of National Credit Systems and XXXX Apartments, my immediate credit score plummeted in excess of 100 points in mid review. It irreparably damaged my relationship with the financial institution and caused professional embarrassment with the executive search firm. My credibility was assailed. 
I contacted National Credit Systems and asked them to remove the collections report due to the gross error on their part after providing them with proof of their error. They refused to remove the derogatory entry from my report.
Consumer complaint received 2021-08-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (CA)

Received a text message on XX/XX/XXXX asking whether I attempted to purchase {$500.00} at XXXX XXXXXXXX  which I replied 'NO '. Got a text message back stating a new card will be sent out. I called them back stating my Mom 's credit card was stolen from her wallet along with my sister debit card. Not only {$500.00} from XXXX XXXX was charged to my account but {$2900.00} was charged from XXXX XXXX. I called about this fraudulent charges and was told they would note the account and investigate. I called them back after not hearing from them for 3 weeks. I was told they need to escalate and reopen the investigation for additional 10 -15 business days. I called them again pressing on the status since those charges were still in my account. Several days later, my Mom, a Chase XXXX and I were in a conference call detailing the theft incident. Several more weeks pass and was told by Chase those charges were valid and they will remain in my account. Huh?! What investigation and how did you come up with that decision? Of course, no reason was given and now it is up to ME to do all the investigation, provide documentation to prove my innocence. I had to ask my sister and my XXXX yr mother now to go to the police station to file a police report. A police report was filed on XX/XX/XXXX detailing the incident and now it is being investigated by the XXXX Police Dept in XXXX XXXX, NJ ( case # ; XXXX ). I had spoken with XXXX, XXXX, XXXX, XXXX, XXXX and XXXX from Chase. None of them would give their last name or provide a direct number to call, so everytime you call Chase, you need to tell the WHOLE story again even though it was escalated at least 3 times. So in the meantime, there are those 2 charges that are fraudulent in my account and Chase stipulating those charges were found to be valid according to their 'investigation '. They did not investigate ANYTHING besides the thief that stole the card made the purchase at those stores. No signature receipt, no photo/video survaillence or anything. It is now up to the Police Dept to go to those store and demand surveaillance to show our innocence. This is unbelievable and the incompetence to Chase is shameful. Basically, they accuse you being guilty until you are proven innocent, leave all the legwork to be done by you and claim they did their investigation to claim their findings without an explanation. This institution is incompetent to say the least.
Consumer complaint received 2021-08-05
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: EQUIFAX, INC. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. 

I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. 

Please delete the items as soon as possible.
Consumer complaint received 2021-08-04
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. (SC)

I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and the transactions I dispute was opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way.
Consumer complaint received 2021-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

I paid a collections company to settle this account in XXXX. The account should have been closed with a XXXX  balance at that time. 


Somehow XXXX reopened the collection process with the same account number that was previously settled. 

I have attached the original letter from the collection agency ; the payment history from XXXX showing the amount of the settlement and a XXXX  balance in XXXX. Then in XXXX XXXX began the collection process for the same account. You can't collect on a previously settled account.
Consumer complaint received 2021-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I paid a collections company to settle this account in XXXX. The account should have been closed with a XXXX  balance at that time. 


Somehow XXXX reopened the collection process with the same account number that was previously settled. 

I have attached the original letter from the collection agency ; the payment history from XXXX showing the amount of the settlement and a XXXX  balance in XXXX. Then in XXXX XXXX began the collection process for the same account. You can't collect on a previously settled account.