davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-31
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. (FL)

On the night of XX/XX/2021 my credit cards were stolen. The thief immediately went out on a shopping spree using my stolen cards. However because the transactions all exceed my set alert amount of {$120.00}, received the attached emails stating that the transactions were declined. To ensure all the transactions would be denied, I replied to halt all transactions. Further I locked all my cards, call Chase Customer Service, and filed a police report with my local police department. 

At first there was no issue has Chase 's fraud department removed the charges and credited my account. Unfortunately a week later Chase returned the charges to my account without even notifying me. As a result I had to call Chase 's consumer service and fraud department again about the issue. I was then informed that Chase has a second fraud department called the Chase Fraud Recovery Department. That I had to speak with that department to resolve the issue, however unlike the other two departments they only operate during limited hours. Regardless I called the Chase Fraud Recovery Department and provided them all the information they request to include police report number. I am told they would investigate the matter and it should be resolve soon. 

A month later now in XXXX, I noticed no progress had been made their investigation, so I called them for a second time. The agent acknowledges no progress had been made but promises they would do better on providing me updates and ensures me that I will received an update within the month. At this point faith in Chase is extinct so I closed all my accounts with Chase to include my over 10-year-old checking and savings account. 

Again a month later, XX/XX/XXXX, I call the Fraud Recovery Department angry that I have received no news for the department. The agent says that they attempt to contact me however they did not even leave a voicemail if they did. Further the agent states they mailed me a letter to update me however, I received no such letter and if they actually wanted to reach me an email would make logical sense. 

At this point the fraudulent charges have been on my account for so long that Chase has begun to place interest charges on the account. When I point this out to an agent on the attached transcript, she fails even brother to read my message. I have to message again stating the issue for another agent to inform me to contact the same Fraud Recovery Department. 

Now, on XX/XX/XXXX I have received my first update letter, attached, from Chase Fraud Department stating I am responsible for the fraudulent charges. Despite the attached proof showing the charges were declined.
Consumer complaint received 2019-01-30
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (CA)

XXXX College is known as a scammer school that shut its doors on its students and left everyone in debt. 

I transferred out of XXXX College a year before it closed down due to the fact that I didnt believe they had given me the education they promised, they didnt train me properly, and they promised I would be finished in 2 years, which I absolutely wasnt. Nor was any of my peers. 

A year later they were shut down and I am stuck paying back {$100000.00} in student loan debt with no degree or certificate to show for it. I am struggling to make ends meet while still trying to get an education at a better school. 

I believe it is completely unfair that I was promised a good education by a scam school that eventually closed down and forgave the student loans of the students currently at the school. I was smart enough to leave to not accrue MORE debt, however, I am still paying back the loans caused by this school. 

I would like forgiveness of my loans from XXXX College or a giant percentage taken off at a better rate so I can pay back at least some and get this horrible school off my of record and off of my mind.
Consumer complaint received 2022-09-29
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. (PA)

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years, 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer lo any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (CA)

I tried using XXXX to get my free credit report from each agency. It only worked for one. Both XXXX  and Experian refused to give me my credit report online, and instead insisted I mail them of bunch of documentation.
Consumer complaint received 2019-12-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I have been disputing multiple accounts on my credit report and I haven't seen any responses from XXXX or Transunion. It almost seems like they're not taking anything serious currently. I would just simply like them to remove these accounts that are not mine. It is going on six months of no responses from this, I will attach all my letters to this complaint to prove my struggles with them. I'm just trying to move forward with my life and these accounts are hindering me from getting a new home and new job opportunities.
Consumer complaint received 2021-08-31
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Onity Group Inc. (SC)

I want to file a complaint against Ocwen loan services now called PHH Mortgage and the investor of our mortgage XXXX XXXX XXXX XXXX XXXX. I have had a previous complaint # XXXX. PHH Mortgage ombudsman were communicating with us about our original XXXX modification application that they inherited. PHH said they did not have a copy of this modification or the application we also submitted to Ocwen when they took over our account.Mr XXXX and Ms XXXX from the ombudsman team said their legal team would only talk to us if we produced a copy of the modification from XXXX as Ocwen does now have a copy. The next two weeks were spent reaching out to and emails to XXXX XXXX who owned the account before they were liquidated .I have email and phone calls from XXXX that they would not have any copys or original as Ocwen has all the files.We were like a donkey chasing it's tail writing emails and phone calls when Ocwen had them all along. Ocwen and XXXX XXXX XXXXXXXX attorney Mr XXXX sent us some paper work from his reviews on our case and he happened to send us the copy of the XXXX application. We contacted Mr XXXX his response you will need to prove that Ms XXXX and Mr XXXX said they did not have them. I informed Mr XXXX my calls were recorded by Mr XXXX. Mr XXXX response was they probably did not understand what you were asking them. Ms XXXX and Mr XXXX hold senior roles in the ombudsman department. If they can't understand clear English they should not hold a position of this manatude. My command of the English language is from the XXXX XXXX and is my first and only language.Mr XXXX has been asked a question by me his only response is I can't give you legal advice. There is one covering for each other here. Letting us chase after files that they already had getting another company involved XXXX XXXX. There is no shame or respect for people here. 
XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-08-31
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: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

Hi I sent a 30 days to comply letter to all three credit bureaus and its been longer than 30 days and They still havent got back to me to verify the account in question
Consumer complaint received 2020-02-29
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Ascendium Education Group (KY)

I went to XXXX College of XXXX XXXX however i didnt finish school out due to the fact i had my son. However the school closed down shortly after me dropping out. I reapplied at another college only to find out non of my units/credits are transferable to any other XXXX  college so i have to retake all the classes I owe my student loans on. which is over {$32000.00}. My principal is {$23000.00}. My accured interest is {$6000.00}. Collection fees are {$2800.00}. I dont know what my options are and Im really needing help in where i can go. The company is Ascendium/XXXX
Consumer complaint received 2021-08-31
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC (NY)

I never gave any permission to this organization to have my information and they have sent the attached mailing which constitutes of several Federal violations. Pursuant 18 USC 241 this organization is conspiring with XXXX XXXX and the consumer reporting agency 's not only depriving my right to credit but also my right to privacy 15 USC 1692a as a consumer pursuant also furnishing negative information which is deformation of character to the Natural person and original creditor. I am envoking my specified remedy as a consumer and seeking compensation and remedy for all matters addressed in the below attached affidavit of truth with exhibits.
Consumer complaint received 2020-02-29
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

FTC VIOLATONS XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX is one of the collection agencies that uses an Automatic Dialer to call consumers to collect. Our clients will  often ask us why they are getting called from a company that will always hang up on them or will have no one on the line with them when they answer the phone. 

Major Producer of Merged Credit Reports Agrees to Settle Charges of Violating Fair Credit Reporting Act ; Settlement Would Require Company to Investigate ; Take Other ActionsXXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX' ) has agreed to settle Federal Trade Commission charges that XXXX XXXX XXXX ( " XXXX '' ), now a division of XXXX, violated the Fair Credit Reporting Act ( " FCRA '' ) by, among other things, failing to investigate information disputed by consumers in certain credit reports -- known as instant merge reports -- prepared by XXXX   XXXX  is based in XXXX XXXX, Florida ; XXXX is based in XXXX XXXX, California.

FTC 's Privacy Rule and Auto Dealers : The Federal Trade Commission ( FTC ) has developed these additional FAQs to help auto dealers comply with the Gramm-Leach-Bliley Act and the FTCs Privacy Rule. The following questions and answers show how the Privacy Rule applies to specific situations that auto dealers may face. Before reading this, you may want to familiarize yourself with the FTCs small business guide, How To Comply with the Privacy of Consumer Financial Information Rule of the Gramm-Leach-Bliley Act, and the Frequently Asked Questions for the Privacy Regulation. Other business guidance is available on the FTCs Gramm-Leach-Bliley Act page.
Consumer complaint received 2020-09-25
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (WY)

I placed order for sandals and Paypal was used as conduit for payment. I was not informed that the product came from XXXX and that Paypal was going to be used for payment. They took the funds from my XXXX XXXX XXXX XXXX. I would not have ordered if I knew. 

The order was place on XX/XX/2020 & I received nothing ; soon it will be 4 months. I asked for a refund on XX/XX/2020 & they have yet to refund my money ( {$28.00} ). I requested refund via their website and their ( XXXX ) XXXXnumber - which they refuse to answer. 

The transaction ID is XXXX. 

My Acct # : XXXX Merchant is XXXX XXXX XXXX XXXX XXXX, XXXX. 
Amount needed to be refunded : {$28.00} Invoice ID : XXXX
Consumer complaint received 2019-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

We ( XXXX XXXX ) received this loan in XXXX from the below company.Shortly after the car was not functioning appropriately and was not working .The company refused to fix the vehicle and resulted in us making no further payments and that the company was then called to come and pick up the vehicle.They never fixed the vehicle or returned it to us .We have tried to contact the company to make restitution and have found that they have gone out of business and has several complaints on the XXXX.They removed the repossession from my wife 's credit report some time ago but not mine. We need this removed ASAP it is interfering with our home loan.Please contact XXXX XXXX XXXX or by email XXXX XXXX XXXX Last reported XX/XX/XXXX {$11000.00} Reported balance Highest balance {$13000.00} You've paid off 16 % of this loan OVERVIEW Highest balance {$13000.00} Monthly payment {$420.00} Opened XX/XX/XXXX ( 6 yrs, 6 mos ) Term 44 months ( 3 years ) PAYMENT HISTORY Last payment XX/XX/XXXX Payment status -- Worst payment status No Info ACCOUNT DETAILS Account status Closed Type Auto loan Responsibility Joint Remarks Repossession Times 30/60/90 days late 0/0/0 Closed XX/XX/XXXX CONTACT INFO XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, OK XXXX USA ( XXXX ) XXXX
Consumer complaint received 2021-08-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (FL)

Due to Covid-19 travel restrictions I did not pay a credit, and the debt was sent to collection. A soon as I was able to come back to XXXX I sent a check from my personal checking account fo {$340.00}, 100 % of all the debt that actually was less that {$150.00}. The check was cashed by the debt collector, Midland Credit Management, on XX/XX/2021. However, they keep calling, sending me letters of collection and adding interest and late fees to the debt. 
I have tried many times and different ways to make them correct their mistake. I called them, I sent 3 letters to them including a copy of the cashed check, but they keep calling and they sent me a letter that their records are correct and that I still owe them.
Consumer complaint received 2018-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: FACTUAL DATA CORP. (TX)

I have 2 hard inquiries on my credit report dated XX/XX/2017 and XX/XX/2017 from " XXXX XXXX ''. I don't know who this company is or why they ran my credit twice.
Consumer complaint received 2023-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

As of XX/XX/2023 Transunion, XXXX, and XXXX have not complied to my investigation and unauthorized inquiries to my credit report. I have provided proof of certified mail receipts and there past the 30 day response time. I request all unauthorized inquires removed off of my credit report. This is a fraudulent matter that they are refusing to remove. Attached is the proof of identity that was also sent to each of the credit bureaus when the original request was mailed.
Consumer complaint received 2019-12-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: TD BANK US HOLDING COMPANY (AL)

This office obtained a copy of my credit report and it was a result of fraud. I am a victim of Identity Theft and I ask this office to handle this in a serious manner. I have XXXX XXXX and additionally signed up for credit monitoring services with the credit bureaus and have reached out to XXXX as well. I have added a security freeze to my credit file to prevent this from happening in the future. I ask this office to complete an investigation and remove this from my report and any fraudulent address, phone number, or any information that does not belong to me that the unknown person used to apply for the account. I reached out to this office only to be transferred to someone who is foreign repeating everything twice or talking about something else other than my name being used. I have even been placed on hold only to be bounced around from person to person and the phone being hung up.
Consumer complaint received 2020-02-29
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (TX)

On Friday, XX/XX/2016, my account was due for the XX/XX/2016, mortgage payment. I telephoned Mr. Cooper on Friday XX/XX/XXXX, trying to make a mortgage payment however I was unsuccessful in reaching anyone that day, for reasons I can not recall. 

I contacted Mr. Cooper on Monday XX/XX/2016 because their institution was closed Saturday, Sunday and Monday due to the holiday. On XX/XX/XXXX, I spoke with a team member to attempt to make my payment and the team member advised me that they were unable to accept my XX/XX/2016 payment because I did not make my payment on the XX/XX/XXXX and due to the terms of my agreement ( completed loan modification ) my account did not have an allowable grace period. The team member further explained that the only way they would accept the XX/XX/XXXXpayment is if I advanced the XX/XX/2016, payment as well. This would mean, I would need to make both the current month due and a future payment as well. 

At that time, I did not have the additional reserved funds to make both the current XX/XX/2016 and a future XX/XX/2016, mortgage payment together. I was advised to reach out to friends/family or take out a personal loan in order to make the XX/XX/2016 and XX/XX/2016, payments. 

I attempted to apply for a loan modification after I made numerous attempts to make my mortgage payment, but I was denied the ability to do so because I was required to make XX/XX/XXXX and additional payments at once when I didnt have the resources to do so at that time. My account was then referred to foreclosure and after speaking with the VA, the VA advised me to try to apply for payment assistance options.
Consumer complaint received 2020-02-29
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I purchased XXXX XXXX XXXX XXXX XXXX from XXXX  and used my XXXX account to pay for those 2 creme for {$160.00} on XX/XX/XXXX. The XXXX  account was linked to my capital one credit card account. The credit card account was owned and used by me for more than 10 years. It generally provides very good services and I never had problem with it until this transaction. 
The creme I purchased was stored in my cabinet unused in original package for 1 year. The storage life of the creme is 3 years. I opened one of the creme in XX/XX/XXXX and found it has strong smell and the oil and texture of the creme is separating. This creme has dramatically different texture compared to the authentic XX/XX/XXXX and fragrance is different too. So, I reached out to ebay and was told that ebay protects customers within 45 days of receipt. I reached out to XXXX and was told XXXX protects customer for 6 months of receipt. XXXX said my credit card company can protect this kind of bogus buy. I reached out to Capital One and after many calls and rounds of proofing letters with capital one, capital one declined my claim because my transaction was a year old. I dont understand why a non authentic luxury skincare is not considered fraud. There are so many bogus sellers selling fake luxury skin cares on XXXX. And because of its storage life, many users cant discover the authenticity until they actually use it. Capital one should protect me and all other consumers from those bogus and maybe toxic skin care products as long as consumers can prove they are in valid storage life and has 98 % content left unused. Its fraud to me and should be protected no matter how long ago they were purchased.
Consumer complaint received 2020-02-29
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: WELLS FARGO & COMPANY ()

I received a reciept from someone who has account with wells fargo to transfer fund of XXXX and he gave me reference id XXXX and asked me to pay XXXX rupees XXXX on XXXX XX/XX/XXXX as International transfer tax charge. So I paid XXXX on XX/XX/XXXX to an XXXX account. 
Again on same day I received another email to pay XXXX as currency conversion charges. So on same day I transferred XXXX to same XXXX account. 
Later on Received another mail to pay XXXX as sn activation charges and gave me time for 48 hours. which I was unable to. 
After so many hassle after two weeks I was able to arrange the money. 
On XX/XX/2020 I again transfered the amount XXXX to an XXXX account but this time it was different account.. On XX/XX/XXXX again I was asked to pay XXXX as late fee. so on same day I tranfered the amount. 
After that on XX/XX/2020 i was again asked to pay XXXX to release the payment as currency conversion charges. After fee hours I am.again asked to.pay XXXX to release the fund. which I refused to pay they said if i make this payment momey would be credited within 2 hours. But after making payment I am askes to.pay more. So on XX/XX/XXXX i paid XXXX and they confirmed me i would get the money refunded within an hour. now again they are asking me to pay XXXX I asked who are this XXXX people they said XXXX income tax department. 
Every now and then I am being asked to pay. 
After my last payment there is no reply from wells fargo. 
I have attached few documents I will send once it would be asked