davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-31
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Continental Services Group, Inc. d/b/a ConServe (FL)

I was charged a collections fee of {$650.00} from Conserve from the XXXX XXXX XXXX XXXX These charges they explained were from housing charges even though I never attended the university. I planned to attend the university all the way back in XXXX  but after they took away my scholarship for no reason, I decided not to attend because I could not afford it without the financial aid they promised me. Since I decided not to attend they charged me housing fees and late fees for their university and put them on my school portal that I had created when I planned on attending. When I decided not to and gave them notice that I would not be attending in the fall ( and quite frankly had a very sour taste in my mouth about the university ) I did not log into my portal anymore. 2 years later, I saw a huge drop in my credit score and I discovered it was due to this issue that I had all the way back in XXXX where I was treated unfairly. I have tried discussing the matter with XXXX themselves and have only gotten in touch with one person. When I spoke to him he said he was going to help me handle my case and said he would call me back the following week. I never got a phone call, I tried to call and email several times and never got a response back. I have also attempted to dispute it through the credit bureaus and that was unsuccessful. I even started thinking maybe I will just borrow {$650.00} from someone to be able to pay this off even though I do not feel like I owe them ANYTHING just so I can get it off my creditbut my credit advisor informed me that even if I do that, the company conserve does not completely remove it off my credit so therfore, it would not benefit me. She advised me to this option as a last hope effort. PLEASE help me resolve this and get this issue off my credit so I can get my score back to where it was ( almost 800! ) thank you!
Consumer complaint received 2020-08-11
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (GA)

XX/XX/2018 - My Mortgage Company Freedom Mortgage has reported late payment ding to my credit report indicating that I was late on my mortgage payment. 

However at no time did they inform that my mortgage payment late or was not paid or was short. Nor did they invoke a late penalty on any mortgage statement which each statement says that they will. 

So no notification and no late penalty fee - but a arbitrary ding to my credit report which crashed my credit score. 

Thanks
Consumer complaint received 2020-06-17
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Business Factors (WA)

National business Factors in XXXX XXXX Nevada has two medical collections accounts for me from a hospital visit. It was sent to collections in 2018. Every month they add a dollar or more interest to each collection account. One being XXXX and one being XXXX. It is not in the original contract with the hospital to charge monthly interest.
Consumer complaint received 2022-11-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (FL)

I received two packages from a clothing store, XXXX. I am a regular customer of this store. I received these packages for two separate purchases that were not authorized. I did not place those orders. They were charged on my checking account through Chime. 
XXXX. The first order was places at XXXX on XX/XX/22. The purchase included a {$150.00} gift card and a pair of mens socks. 
XXXX. The second order was placed at XXXX on XX/XX/22. The purchase included a {$150.00} gift card and a pair of mens socks. 
* Both orders were identical. 
I had XXXX on Wednesday XX/XX/22. I was not able to make purchases or anything due to the process of preparing for XXXX, etc. 
I calked Chime banking and informed them on Thursday, XX/XX/22 in the evening. 
Their investigation dept instructed me to upload documents and copies if the information from the orders. I did that. After submitting my case that evening, I received a follow up update email notification on the case stating there was no error found. 
I proceeded to call the vendor ( XXXX ) on the morning of XX/XX/22. They recommended I close my dept store card with them and change my passwords and Would try to place a block on the gift cards purchased. They were able to freeze XXXX of the XXXX gift cards. They recommended reaching out to my bank and attempt to get my money back. I even asked XXXX if they heard from my bank and they stated there is no record from XXXX  reaching out to them. 

I suspect there was no investigation on Chimes behalf because they never called the vendor. 

Ive attempted to get my case opened and investigated 3 separate times with Chime and to no avail, Each attempt would only result in less than a XXXX hour response with a no error found outcome. 
The right thing to do is to return my money. I am turning to you to make this known. How can a banking service not have a proper investigation in place fir unauthorized charges? I also changed to another banking service fearing my funds lack security and proper security service.
Consumer complaint received 2020-08-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/2020 I received notice from my bank, Chase, that they were DENYING payment via XXXX XXXX to two individuals in the amount of {$400.00} and {$500.00}. When I checked my Chase Checking Acct online I found that there had been two XXXX XXXX withdrawals from the account ; one for {$430.00} and one for {$500.00} ... both to one of the individuals previously named in the above " denials ''. Other than seeing those 2 transactions shown as a result of my checking my account online, I received no previous notice of any XXXX XXXX taking place and, in fact, had it not been for the notice of " Denials '' I would likely not have seen that anything was amiss. On speaking to Chase regarding the matter on XX/XX/XXXX, they quickly credited back my {$930.00} and said they would investigate. On XX/XX/XXXX I received a letter stating that they had completed their review and found that the transactions were processed correctly or were authorized and they would be taking the full {$930.00} out of my account!! I called them back to complain and again, stated in no uncertain terms that I DID NOT authorize or participate in these transactions nor did I know any of the names contained therein. They indicated they would reevaluate and let me know by XX/XX/XXXX or thereabouts. Very disconcerting after the many years of being a Chase customer to see that they do not have my back. I have started moving money out of my Chase account as a precautionary measure and may close the account if an equitable resolution is not found. And whatever happened to Regulation E? I thought that was supposed to protect the consumer against major liability in issues such as this? I have removed XXXX XXXX from my Chase Account. IN the past, whenever I have used XXXX to send someone money ( rarely ) I received a notice indicating such a payment had been made and showing to whom ... this time I got zilch ( except for the Chase message of denial as explained above. Chase does say that it denied the 2 payment requests because they " didn't hear back from me ''. Again, I never received any request from Chase regarding these transactions which I find peculiar.
Consumer complaint received 2020-08-11
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Fraudulent loan
Company: HYUNDAI CAPITAL AMERICA (PA)

On XX/XX/2020, I walked into XXXX XXXX located in XXXX, PA. I had the intention on purchasing a leased vehicle. I found a car that I liked and we started to discuss pricing. The sticker price for the vehicle was {$32000.00}. I told them that my credit was pulled at another XXXX dealership but I was unable to purchase the vehicle because it was not in stock. Finance then told me that they would have to run my credit again, which I did not understand. When the previous dealership ran my credit they told me my credit score was XXXX. However, upon XXXX running my credit they informed me my score dropped to XXXX. I could not understand why it would drop so dramatically within 3 days. Nevertheless, I told them I did not want to put any cash down for a leased vehicle. XXXX XXXX returned and advised that I would need to put down {$8500.00} with {$2000.00} off due to promotion and I would have to pay {$420.00} per month for 48 months to lease the vehicle. Next, finance come over with the paperwork. This was my first time buying a car so I admit I should have done more research before going into the dealership. I agreed to the terms and signed the documents. 

I returned home and told my family of my purchase. After discussing this with my family, I soon learned that I was signed into a terrible deal. Upon reviewing the contract, I saw that with my down payment and my monthly fees I would have paid {$28000.00} towards a vehicle with the sticker price of {$32000.00}. The residual value for the vehicle is {$17000.00}. So in order for me to keep the vehicle I will have to spend {$46000.00}. I immediately tried to contact the dealership with my uncle to advise that I no longer wanted the car. They refused to accept the car and told me I need to contact Kia Finance. I spoke with several representatives waiting for someone to assist me. I was told by one representative that I needed to go back to the dealership and speak with the General Manager and/or Finance Manager. I spoke with both and they again refused to accept the car back. I called back to Kia Motor Finance, and asked if they would deny my original application or void it. I was informed that this was something the dealership would have to handled. I was told so much conflicting information for days. I explained to everyone I spoke with that I feel like I was taken advantage of but no one helped me. Also, I was told that if I traded the car in or sold it that I would be hit with a very expensive early termination fee. I contacted a few dealerships but the most they would offer for the vehicle $ XXXX.
Consumer complaint received 2020-04-07
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: Mar Joe Enterprises (TN)

The company CBC from XXXX, Tn is a collection agency that has been harassing me about an unpaid amount from the XXXX XXXX XXXX XXXX bill that was supposed to have been paid by XXXX and XXXX to which I have been on since 2010. I have expressed, both to the reported agency and this collection agency, that both, XXXX and XXXX, to whom I have also sought help and inquiry of this billed amout- that their response was for this collection to be rebilled to XXXX XXXX services. I was never supposed to be billed for any medical services, as this was a service that this same Medical Provider is now still paying and has been paying for XXXX XXXX.
Consumer complaint received 2020-08-11
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. (TX)

Attention : In Concerning to XXXX XXXX XXXX and XXXX XXXX, inaccurate information. 
XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX has been reporting inaccurate information to my credit record for some time now, I first know about this account when it show up on my credit report. I then contacted XXXX XXXX XXXX and told the bank of the wrongfully report on my credit report. 

I've send several letters to the three credit companies, asking for this company to be deleted from my credit report. instead of being remove from my report, XXXX XXXX XXXX decided to SOLD THIS INFORMATION TO XXXX XXXX 

XXXX XXXX decided to report this information to all three credit companies which is very wrong. 

In addition, XXXX XXXX XXXX and XXXX XXXX both are now reporting this information to my credit record in which is very wrong. two companies should not be collection on the same account. 

Both TransUnion and XXXX  are now reporting XXXX XXXX XXXX as CHARGE OFF which is inaccurate. TransUnion now showing a credit limit as {$500.00} and XXXX is showing a {$0.00} balance to my credit report which is very inaccurate. 

XXXX XXXX are now reporting this information to TransUnion as XXXX XXXX XXXX XXXX XXXX, again which is very inaccurate. XXXX  and XXXX  are not reporting any information from XXXX XXXX. 

The entire reporting of this information is inaccurate completely. 



I am asking for this information to BE DELETTED from all three of my credit please. 

Thank you for your time and patient concern in concerning this mistaken reports. 
sincerely, XXXX XXXX
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I am disputing a collection account with XXXX XXXX XXXX. As per regulations, they are obligated to provide me with their errors and omissions policy number, the original contract, and any other relevant legal documentation supporting the collection. Additionally, I request that they delete this account from my credit report. Compliance with these requirements is crucial for resolving this matter satisfactorily and accurately. 

XXXX XXXX XXXX - XXXX Last 4 digit of SSN : XXXX
Consumer complaint received 2022-11-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

This company is not licensed to collect debt in New York State. I will include proof and I would like this deleted off of my report and the debt thrown out. It is an illegal business practice to try to collect debt in New York without license to do so. Thank you.
Consumer complaint received 2020-08-11
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: EQUIFAX, INC. (AR)

While I was in the process of trying to rent an apartment my credit got pulled and I saw several things that did not belong to me on my credit report. Can these items please be removed from my credit report. XXXX  XXXX XXXX  XXXX  XXXX {$500.00} XXXX XXXX XXXX {$83.00} XXXX XXXX {$550000.00}
Consumer complaint received 2020-08-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: I.C. System, Inc. (IL)

XXXX XX/XX/XXXX {$1500.00}. Sent request to remove debt on XX/XX/XXXX certified mail. No answer. 

XXXX XXXX XXXX XXXX XX/XX/XXXX {$710.00}. Currently under a payment plan to pay off debt XXXX XXXX XXXX XX/XX/XXXX {$60.00} currently on a payment plan to pay off. 

All these items needs to be removed from my credit.
Consumer complaint received 2020-06-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (FL)

I terminated my lease with XXXX XXXX XXXX in XX/XX/XXXX. I gave notice of the termination in XX/XX/XXXX. I did everything I needed to do to terminate my lease. I gave a notice and signed a termination of lease document. I went to XXXX XXXX XXXX  on XX/XX/XXXX to get a copy of the termination of lease document, to send to the credit bureaus. However, I wasnt able to get a copy of the document because I was told by the regional manager that he couldnt find my file and I would have to wait till further notice. I have documents proving that I paid the final two months that I was at the XXXX XXXX XXXX  and the final statement for the light bill.
Consumer complaint received 2020-08-11
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Union Home Mortgage Corp (IN)

Union Home Mortgage, actually using XXXX XXXX, IN branch has been delaying my mortgage process without excuses of me turning back the little or almost nothing they had to request me because I gave them more than they needed. I had have to extend contract with seller twice because since XX/XX/2020. The case has been in underwriting department for around a month and still is not going to USDA. I have to deliver my apartment because I did break my lease and paid a high fees for on XX/XX/XXXX, now they changed underwriter because it's known the one was working with the case was not doing it in timely fashion. Where is the ethic and supervision here? Now I am homeless with a minor cause of their irresponsibility. Paying high costs for this game that seems not end.
Consumer complaint received 2020-08-11
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

XXXX - made a {$300.00} payment to my credit card. 

XX/XX/XXXX - payment cleared my bank account, but card still shows no available credit though the balance owed has decreased by the payment amount. 

XX/XX/XXXX - call customer service to see when available credit will be updated. Rep advised there was a payment hold that wouldn't be released until XX/XX/XXXX. I asked if there was a way to remove the hold as the payment has already cleared my bank account. Rep states we can conference call with my bank for her to verify the payment has cleared, then she can manually remove the hold. She put me on hold, called XXXX bank, then connected me with XXXX but fell off the call herself. XXXX said he was advised by XXXX ( Capital One Rep ) that we wanted to verify the transaction but without her on the online he's just verifying it to me, which defeats the purpose of the call. So, I call Capital One Customer Service back, and the same rep, XXXX, answers but says it wasn't her - that was someone else and quickly transfers me. The NEW rep then tells me they can't call XXXX to do a verification to remove the hold, and I told her I was JUST on the phone with a representative who actually CALLED XXXX and connected us but then dropped off the line. She says again they don't do that, so I requested to speak to a supervisor. The supervisor comes on and says they used to do manual verifications and removals of the holds but due to Covid 19 volumes they aren't doing them now. I advised her about the rep I had JUST dealt with that went all the way through the process of actually calling XXXX then disconnecting, to which the supervisor then says she probably disconnected because she realized she wasn't supposed to do that anymore. In all this roundabout of misinformation and flat out lying as far as I'm concerned with the original rep the verification could have been done and hold removed. There were NO extended hold times or extraordinary notifications of place in line of the phone queue for either Capital One or XXXX to make it seem like this would be putting anyone out. Who IS put out is me trying to access my line of credit that I made a payment to in order to be able to use the card for a time-sensitive purchase.
Consumer complaint received 2020-06-17
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. (NC)

I purchased a flight on XX/XX/2020 to XXXX from XXXX XXXX. The flight was scheduled for XX/XX/XXXX to XX/XX/XXXX. This was before COVID was on the radar in the US. 

COVID was then declared a world-wide pandemic in the middle of XXXX. I chose to cancel my flight when XXXX offered a flight voucher as compensation for the cancellation. 

I initially tried to purchase a flight using their voucher in XXXX and was given an error message that said " Error : The travel credit that you are attempting to use has no remaining balance available for use ''. I figured the site could be down that day so I tried again a different day I was given the same error message. As of today ( XX/XX/2020 ) I am still unable to use their voucher. 

I initially filed a claim with Chase stating this issue, but Chase sided with the merchant claiming I knew XXXX 's non-refundable cancellation policy. The cancellation policy is not the issue. The issue is that it is literally impossible to use the XXXX voucher. The voucher also EXPIRES at the end of this month ( XX/XX/2020 ). I have tried multiple times now to contact XXXX customer support team and every single phone number on their website says that the number is no longer in service or gives you an error tone. I have sent them an email via their complaint portal and never heard back from a customer service representative. 

XXXX STOLE {$560.00} from me. This is completely unacceptable and I am beyond disappointed in Chase that it was even denied the first time. 

I have exhausted all of my options. I have tried to use the voucher multiple times. I have tried to contact their customer support multiple times. I am at the breaking point where I really need my credit card company to back me on this. 

I would be more than happy to provide additional proof upon request.
Consumer complaint received 2022-10-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CREDIT ACCEPTANCE CORPORATION (AR)

This is XXXX XXXX submitting this CFPB complaint to you today to inform you that I was a victim of identity theft and the Account you are reporting on my Credit File was the result of such crime. Under the Fair Credit Reporting Act, I have the rights to dispute any accounts and information that resulted XXXX to identity theft and have them removed completely from my Credit File. Under the provisions of the Fair Credit Reporting Act section 605b, I am requesting that you stop your erroneous reporting and have the account : CREDITACPT XXXX Balance : {$12000.00} ; removed from my Credit file as soon as possible. The Account I am disputing does not relate to any transactions that I have made or authorized.
Consumer complaint received 2022-10-31
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. (VA)

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX ; XXXX XXXX ; XXXX ; XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX  XXXX Balance : {$6200.00} ; XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX  XXXX Bankruptcy Reference # XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.