davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-25
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: JPMORGAN CHASE & CO. (MI)

XXXX XXXX XXXX, I paid Chase in cash the full amount of an account that was previously charged off. Chase alleged it notified XXXX of the same on XXXX XXXX XXXX. XXXX XXXX XXXX ( XXXX ), I called XXXX to verify if they had been notified of the payoff ; they denied receiving the information. I called XXXX, XXXX XXXX XXXX ( XXXX ) again asking confirmation of account being paid off ; again they denied the same. XXXX XXXX XXXX ( XXXX ) - I filed an online dispute with XXXX  providing proof of payment, as instructed by XXXX. XXXX XXXX XXXX ( XXXX ) I went into a local Chase branch, asking for documentation as proof of date and time the pay off information was sent to XXXX, Chase representative said they had no documentation. I asked how they communicated payoff to XXXX, they refused to provide this information. XXXX XXXX XXXX ( XXXX ) I called XXXX again asking if they received documentation of payoff - Representative said : everything was on hold while investigation is being conducted based on dispute filed XXXX XXXX XXXX. I  asked what that meant. Rep said : documentation was sent to Chase requesting response of payoff. I asked when was the documentation sent. The Rep said : It 's in process. I stated to Rep - since you ca n't tell me what time, then you obviously have not sent the request to the bank. Rep stated even if bank sent or subsequently sends documentation of payoff, I would not know anything until investigation is completed, that they have 30 days, and results would be sent in writing. Since it takes " seconds '' to put me into XXXX, why ca n't I get answers in " seconds '' to my valid questions? Why have I been lied to by both the bank and XXXX? It 's my understanding that this is all done electronically, and I know that wire transfers can occur within 15 minutes - so why does it take these two entities days to document proof of this transaction? I paid cash, borrowing money to pay this outstanding debt, and I ca n't get a straight answer from anybody. I told XXXX I would be filing this complaint, and I 'm requesting an immediate response. My life is on hold while these two institutions XXXX around. Please advise at your earliest convenience ( i.e. - immediately ). Thank you for your assistance and cooperation.
Consumer complaint received 2022-01-25
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. (NY)

Experian XXXX XXXX XXXX is reporting my closed/ paid accounts as open and continuously selling closed accounts to credit services which keep my XXXX credit score from increasing and hinders my opportunity of getting credit from creditors. As a single women of XXXX trying to start a small business. This hinders me from future or any financial assistance. As this unfair practice continue soar it holding me back from future advantages.
Consumer complaint received 2016-12-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Southwest Credit Systems, L.P. (CA)

This southwest credit systems has been robocalling my parents home where I no longer even live literally XXXX times a day and each time has no information to provide i.e. What the debt is or what company they represent and who the debt is in regard to. They call from multiple phone # XXXX and have not contacted me once in writing about anything. This is illegal and has done nothing but disrupt my parents lives. I ca n't even figure out who they represent not to mention I do n't trust anything verbal with these companies as they are the ambulance chasers of debt XXXX.
Consumer complaint received 2024-04-02
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (GA)

I opened an American Express Platinum Membership Rewards credit card in early XX/XX/XXXX. I added my husband and XXXX children as additional card members to the account. I paid the {$690.00} annual membership fee for my card, and the {$170.00} annual membership fee for my 3 additional card members ( it was {$170.00} total for up to 3 card members ). 
I recently noticed I was charged {$190.00} for EACH additional card member on my account in my XX/XX/XXXX statement, plus my {$690.00} annual fee. I was not made aware that the fees would increase for my additional card members. I went back through all of my monthly statements since I opened my credit card account and none of them disclose the increase to me. 
In fact, in my XX/XX/XXXX statement is says " If you were not notified of a change to the Annual Fee for Additional Platinum Cards, we will charge {$170.00} annually for up to XXXX Additional Platinum Cards, {$170.00} annually for each Additional Platinum Card after the first XXXX, and {$0.00} annually for Companion Platinum Cards. We will notify you if there will be a change to the Annual Fee for Additional Platinum Cards on your account in the future. '' So I am trying to understand how it is okay for them to triple the annual fee for my card without my knowledge. And when I called, they say that is the fee now, but can't tell me where and when they informed me differently than what I share above. They also said I was outside the 30 day window to get the full refund. If they haven't disclosed appropriately to me, the fee should stay the same and I should be able to keep those additional platinum cards with their benefits at the price they disclosed to me. They want to downgrade those cards which is quite unfair and deceptive.
Consumer complaint received 2022-12-01
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. (MS)

Please note that that this is not a refusal to pay off the account, but a notice sent as per the Fair Debt Collection practices Act, 15 USC 1692g Sec. 809 ( b ). The notice states that your claim is disputed and validation of the account is required. 
This notice is not a request for verification of the account or proof of my mailing address, but a request for validation made pursuant to the FDCPA laws. I humbly request that your agency/office sends me valid proof that I am legally obligated to pay you.
Consumer complaint received 2022-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

XXXX XXXX XXXX Equifax is reporting my closed/ paid accounts as open and continuously selling closed accounts to credit services which keep my XXXX credit score from increasing and hinders my opportunity of getting credit from creditors. As a single women of XXXX trying to start a small business. This hinders me from future or any financial assistance. As this unfair practice continue soar it holding me back from future advantages.
Consumer complaint received 2020-02-26
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. (TX)

I applied to get a car with bank was denied. I checked my credit and I saw things on there that I did not authorize. I have also applied for a job that will check my credit and this is not good. Please take these accounts off my credit XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX. There are some inquiries that I didnt 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. I have contact the FTC and my local police department.
Consumer complaint received 2024-04-02
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Kornerstone Credit,  LLC. (LA)

Pursuant to Fair Debt Collection Practices Act 15 United States Code 1692. I reached out asking for a original contract that I signed with them and they stated that their client gave them my information they have called me over and over again multiple times a day I have had to block them. {$2200.00} for a company named Kornerstone Credit.
Consumer complaint received 2022-01-25
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CNG FINANCIAL CORPORATION (CA)

On the morning of XX/XX/22 at XXXX my personal information was disclosed to a third party male by XXXX and XXXX XXXX The information released to the third party included my first and last name the last XXXX numbers of my social security number, the case number, the balance owed and also disclosed a different amount of judgement they were seeking. my personal information was disclosed without my consent to the third party male.
Consumer complaint received 2020-02-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: First Credit Services Inc. (CA)

I reached out to FIRST CREDIT SERVICES when I found a collection being reported on my credit report. On XX/XX/XXXX I disputed the charge of {$110.00} as that was an account open by my ex-wife under my name and with my personal information without my consent. I told them my situation and even attempted to pay the collection if they removed the account from my report, to which they refused. Then I proceed and dispute the account with them and I never received any paperwork or information regarding the account. I called back in XX/XX/XXXX tired of seeing it in my credit report, they could not locate my account, even when they were reporting to the credit bureau. After 15 minutes of asking for information they found the account, and refused to take payment since I had disputed the account in the past. They have a policy that they don't take payments on disputed accounts. So I had to be recorded that I was not going to dispute with them the Payment and that upon payment I could not dispute said account. I agree that I would not dispute it with them but I would definitely do it with the credit agencies.
Consumer complaint received 2022-01-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (MD)

Wells Fargo Bank provided a " temporary provided for negative balance prior to a stimulus payment '' to my account on XXXX XXXX, XX/XX/XXXX, and XX/XX/XXXX. I spoke with a representative to explain what this was. They made it seem like because I overdrew the account within 24 hours of a stimulus payment and that the payment was pending, that the fees would temporarily be waived until the funds hit the account. I was aware that institutions were not allowed to access this stimulus payment for fees or amounts owed. The bank sent notification that the money would be taken out again in the future, once the stimulus payments ended. I did not think that there would be an amount since the withdrawal and the deposit of the funds happened while deposit was pending. I put in a complaint that is being reviewed by the complaint division of WF, because the transactions were not all made at once, they should not be taken out all at once. There was not enough clarification regarding this matter, as well as XXXX not following Federal guidelines preventing the stimulus from actually assisting. They still in fact applied fees to the stimulus payments, just deferred the date it was withdrawn. It does not negate the fact that they penalized stimulus payments just because they changed the dates and this applies financial hardship to their clients and does not comply with government mandates.
Consumer complaint received 2019-07-29
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: Experian Information Solutions Inc. (NJ)

I contacted Experian to dispute a collection account that I did not identity. At the time my credit score was XXXX. They alerted me that the account was removed and lowered my credit score by XXXX points. This decrease in score moved me from GOOD credit to FAIR and there was no additional activity on my report besides the request I submitted to Experian about the collection account. If consumers are to be penalized for disputing incorrect information on our accounts then I really need to understand the rationale for credit score reporting. What happened to me has jeopardized my credit standing and may keep me from having access to additional credit on my existing accounts as well as more favorable interest rates from as I was downgraded from GOOD to FAIR. I ask that the XXXX points deducted from score be restored and a written reason be provided as to why the action was taken in the first place. A collection account was cited as the reason my score was not higher, yet, once addressed and removed my score dropped ... significantly.
Consumer complaint received 2020-02-26
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. (TX)

I applied to get a car with bank was denied. I checked my credit and I saw things on there that I did not authorize. I have also applied for a job that will check my credit and this is not good. Please take these accounts off my credit XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX. There are some inquiries that I didnt XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RESIDENT VERIFY. I have contact the FTC and my local police department.
Consumer complaint received 2015-06-04
Product: Mortgage — Other mortgage
Issue: Credit decision / Underwriting — 
Company: WELLS FARGO & COMPANY (TX)

Last month around XXXX XXXX, 2015 I notice on XXXX that I had XXXX listings for my mortgage loan. XXXX listing was named Wells Fargo Home Mor mortgage for {$150000.00} the other was named WFHM mortgage for {$150000.00}. I called that day and talked to a representative and explained I only had XXXX loan for a mortgage with Wells Fargo under loan number XXXX. The representative said she will look into but that she could not see my credit and therefore the credit dispute department would have to do an inquiry. I received a letter from Wells Fargo explaining to be that the information on my credit was correct and that they had but some kind of code on my credit and reflecting that I may not agree with their findings and that they will only remove the code after I agree with their findings. I called the mortgage company again XXXX XXXX 15 for assistance in correcting this misinformation I spoke with a XXXX XXXX that said she will request some file because the lien may not have been released. She called me on XXXX XXXX asking for a copy of my credit report with the duplicate listing. I tried to ask for an email but was told I had to send it my fax. The Fax number I was given is XXXX and it would not allow me to send the proof of the duplicate listing. I would like my credit report to reflect that I only have XXXX mortgage. It has put my debt to credit ratio off and it affects my credit score and I feel that this mortgage company is not trying to assist at all. I am also concerned about other people that may not know to come here and make a compliant. Please assist. Thank you.
Consumer complaint received 2019-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MN)

I have XXXX XXXX Account that has been paid off in full, and shows up negative on my credit report. I've requested it to be remove as negative item reporting on all 3 bureaus. It is reporting as a closed account dated as a Charge Off XX/XX/2017. The Amount saying that I owe is {$400.00}. I need this to be removed from my credit immediately!
Consumer complaint received 2019-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (UT)

Equifax ; XXXX  and XXXX are reporting incorrectly the coding on the XXXX XXXX  account number XXXX. ( Please see page attached from my credit report XXXX The coding on this item is incorrect and stuck in past due status. It is a violation of the Fair Credit Reporting Act and is mandated to be corrected or completely deleted from my credit report. This inaccurate reporting is seriously harming my credit score. I have contacted the ( 3 ) bureaus to resolve this however, I have not been successful.
Consumer complaint received 2020-02-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (IN)

Recently returned from a Cruise ( XXXX XXXX XXXX ) in which on-board purchases were made. XXXX submitted the transactions to Citibank for authorization and Citi approved the transactions and posted as " pending '' on the account. Transactions were made on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/2020. ALL transactions have now " posted '' to my account yet 3 transactions remain as pending. Citi says it is a merchant issue, merchant says it is a Citi issue, neither will speak to the other to release the " pending '' transactions which have posted. This has affected my credit line availability to the point that certain transactions may be denied as I use this card for travel. I have contacted both the cruise line and Citi a minimum of 4 times each and each are pointing the finger at the other. Citi has acknowledged that the transactions have posted, yet have clearly stated it is a Merchant ( XXXX ) issue to release the transaction. XXXX has attempted to contact Citi, yet due to Citi 's policies, they will not accept a fax or phone call from XXXX to remove the transactions saying they need to process through their Merchant system.
Consumer complaint received 2020-02-26
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Roach & Murtha, P.C. (NY)

Roach and Murtha PC were sent registered mail disputing a debt and a request to cease all communication until the debt is verified in writing. 2 days after their receipt of the letter their office made multiple attempts to contact me from XXXX without having verified the debt.
Consumer complaint received 2020-02-26
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. (TN)

XXXX and Transunion are incorrectly reporting an account where I am shown as an Authorized User on XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the two bureaus to fix this issue, however I have not been successful.
Consumer complaint received 2022-01-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Duncan Solutions, lnc. (GA)

I received a ticket in the mail stating that I used a toll road. The car image was one of my older cars that I had traded-in back in XXXX of XXXX. The picture clearly showed temporary tags. Also, at the time of the image I was at work. I sent a dispute to State Road & Tollway Authority... 
On XX/XX/XXXX We have received your inquiry and opened a case. 
Incoming Correspondence : VIOLATION DISPUTE We have begun the process of researching your inquiry. If you need to provide further information or reply, please do not change the subject line of this email since it is used for tracking purposes. You will receive an email response between 3 to 5 business days. 
Thank you for submitting your inquiry. 
Then I received confirmation that the case was solved. 
On XX/XX/XXXX Incoming Correspondence : Fw : Your XXXX is paid off! 
We want to inform you that the case related to your inquiry has been Resolved. 
Additional Information : * Thank you for submitting your inquiry. 
On XX/XX/XXXX I received a letter in the mail from XXXX ( Professional Account Management ) a collection agency. 
They told me that the account was still open and reporting. I told them that this was harassment and they told me I Need to file another dispute. I spoke with XXXX and a supervisor, XXXX.
Consumer complaint received 2021-03-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SIERRA PACIFIC MORTGAGE (OR)

Received a property tax bill from the county. Contacted the local mortgage office ( XXXX XXXX XXXX ) on XX/XX/2021 via email and they replied they were looking at it. Took a couple of days and they advised me that the servicer didn't pay the tax and that they have issued an overage refund from the escrow. I asked some follow up questions about when the taxes will be paid, what happens if some of the overage funding was used, what is the new escrow balance, etc. and I was left out of the dark waiting for a response. It took some follow-up email on my end and also contacted the main customer number for the lender - Sierra Pacific Mortgage. First phone call I made was in early XXXX and the customer service individual I spoke to didn't know what was going on. Apparently, they don't take notes or write down any meaningful history. The person didn't know the status of my property tax payment. I finally got a respond from local office that they will pay the penalty fee for the late payment of the property tax, but never addressed my other inquiries. Another called made late last week ( 1st week of XX/XX/2021 ) to the main number and the customer service manager said that I will need to find the check they sent back in late XX/XX/XXXX/early XXXX, deposit it to my account and fund the escrow for the shortage. On top of all this, I've been feeling up with the county, until the property tax was finally paid. I feel left to deal with the mess and have to figure things on my own with the other inquiries I have, that still don't have a clear answer. No apologies or acknowledgement of their incompetence. A total failure on their end and now a cleanup and funding on my end. Not to mention any tax reporting issue I have yet to deal with.