davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (MI)

For the last 3 years my debit check card informaiton has been stolen and used to purchase items. My account is through Chase bank. While Chase is aware of the issue, I do not feel that they are taking any steps at all to fix the fraud problem. Chase typically reissues the money from the fraudulent transactions within 7-10 business days, sometimes they will refund my account sooner and sometimes they refund little bits at a time. The card is alwasy in my possession and has never been lost or stolen.

I am reaching out to you today b/c for the 3rd time this year-I have had my card compromised. I went to activate my replacement card yesterday but the bank lady said it was already active and there were already charges using the new card. I had just taken it out of the sealed envelope. I believe that the fraud is coming from within the Chase organization and is much larger of an issue than what Chase is reporting ( if they are even reporting this fraud-I cant be the only one dealing with this ongoing headache and fraud ) I am paid one time a month and I believe that this is known by whoever is frauding my account. The fact that I had charges and an activated card before I even opened the envelope should tell Chase representatives that there is a large issue. I have to keep changing all of my autopayments. My husband was a vet and I believe that this benefit payment that I receive is known and this is why the fraud happens each time I get paid ( 1x a month ).
Consumer complaint received 2019-05-10
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. (LA)

XXXX and Transunion are reporting incorrectly that I am 60 days past due on the XXXX XXXX partial account number XXXX. ( Please see page 11 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Consumer complaint received 2018-04-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Hello. Good day. With Age comes maturity. Im conducting a much needed credit health check and have found there are a few Credit Agencys that have reported debt I supposedly owe. Well Ive never received notifications on these debts. Ive heard horror stories about Credit agencys using unprofessional even illegal practices on consumers. 
I have attempted to dispute this with the credit Bureau and it simply comes back as valid. Yet no statements, no letter validating this debt. I found out the origin was in Florida state. Im in California & have no history or ties in that state. Matter of fact my credit history doesnt even display this type of activity of such a large charge {$10000.00} Opened XX/XX/2015 Can you please assist me on this matter.
Consumer complaint received 2019-10-04
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: DISCOVER BANK (WV)

I received a piece of mail from Discover Financial about a personal loan. At the time my income was low and my credit score was very high. I thought it would be a good idea in my time of struggle when my business wasn't making a ton of money. I called the number on the mail on XX/XX/2019. I talked all the way through the process with a representative who was very nice. When it came down to the end she ask for my tax returns. Unfortunately, I left my corporate job 3 years ago to start my own company and we've reported a loss in our first 2 years of business which reflected on my personal tax return. We could not complete the loan, but I was still issued a hard inquiry. If we would have spoken about my change of income beforehand then we wouldn't have spend over an hour on the phone and I would have never had a hard pull on my credit report.
Consumer complaint received 2023-03-18
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Medical Data Systems, Inc. (NJ)

On XX/XX/XXXX, I was contacted by Medical Revenue Service about XXXX amounts allegedly owed by me to XXXX XXXX XXXX XXXX for services rendered in XXXX. After investigating the claim, I found that this alleged debt was the result of a clerical error on the part of my insurance company, XXXX. XXXX listed XXXX XXXX XXXX XXXX as a Tier XXXX provider when in fact it is a Tier XXXX provider. Since XXXX XXXX XXXX XXXX is a Tier XXXX provider, my sole responsibility was the payment of my co-pay, which all parties agree was paid. I know XXXX XXXX XXXX XXXX is a Tier XXXX service provider because XXXX paid them for other services rendered by that facility as a Tier XXXX  service provider, both in XXXX and in other years. 

On XX/XX/XXXX I contacted Medical Revenue Service and spoke to XXXX, and informed her here was a bona fide dispute as to the existence of this debt. XXXX told me that the alleged debt has been marked as challenged. The same day, I sent a written notice to Medical Revenue Service laying out these facts and confirming that there is a bona fide dispute as to the existence of this debt. However, today, XX/XX/XXXX, I received a XXXX letters from Medical Revenue Services still attempting to collect this debt, despite my verbal and written communications. 

I believe Medical Revenue Service has violated my legal rights by continuing to collect this non-existent debt.
Consumer complaint received 2020-09-15
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. (NY)

THE DISPUTED ACCOUNTS LISTED DOES NOT BELONG TO ME AND I AM REQUESTING IMMEDIATE REMOVAL OF THE ACCOUNTS FROM ALL THREE REPORTING CREDIT BUREAUS. THESE NEGATIVE UNAUTHORIZED ACCOUNTS HAVE TARNISHED MY NAME AND SSN AND I AM PLEADING FOR A REINVESTIGATION INTO EACH MATTER.
Consumer complaint received 2019-04-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Hi, Capital One Bank sent me credit card sign up information in mail saying that, I am already approved. However, when I did follow the instructions, I was declined card after making a hard inquiry to my credit report. This has happened twice and thus actually influenced my credit report in a negative manner twice. I would like at the least these hard inquiries to be taken away off my credit report. 

These inquiries were made on XX/XX/18 and XX/XX/2018. 

Thank You.
Consumer complaint received 2019-06-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC (FL)

Jefferson capital is alleging I owe on a closed fully paid for cell phone account from XXXX. 
It was closed Several years ago due to repeated roaming charges from XXXX on my credit they report an open account 10mos ago owe {$320.00} then will call and send letters for {$160.00} to pay off the phantom bill I have repeatedly told them to not contact me below is a complaint I wrote Consumer complaints about J.C. conduct This company is known for having ethical issues why are they allowed to continue to operate? 

Fwd : XXXX pay XXXX XXXX XXXX Attachments XX/XX/XXXX, XXXX XXXX  to consumercomplaints XXXX can not originate this debt insisting I was under contract here is one of the earliest payments I can find going back to XXXX contracts are only 24 mos. Long. 

-- -- -- -- -- Forwarded message -- -- -- -- --
Consumer complaint received 2019-05-10
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: Experian Information Solutions Inc. ()

After reviewing my most recent credit report since my identity been compromised due to the lost/ theft of my id, I noticed a series of unknown inquires on my credit report, and I would like these inquiries removed immediately on the pure basis they are unknown and unauthorized by me. I understand the credit reporting agencies go to explanation that inquiries stay on your credit report for 2 yrs, I understand that, however that is not my argument. My argument is that I did not authorize these inquires by any means and again please remove the following inquiries. 

1 ) XXXX XXXX XXXX ) XXXX XXXX XXXX ) XXXX credit  XXXX XXXX ) XXXX XXXX XXXX ) XXXX XXXX  XXXX XXXX ) XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ) XXXX XXXX  XXXX XXXX ) XXXX XXXX XXXX
Consumer complaint received 2019-10-04
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: Experian Information Solutions Inc. (TN)

I'm relocating to LA and looking to purchasing a condo. I checked my credit score just to see what was on my report because I haven't checked it in a minute. While checking my report I saw a couple of items that are not mine. This is fraud so I have taken the liberty of reporting it to the police as well and FTC. XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX.
Consumer complaint received 2016-05-10
Product: Debt collection — Payday loan
Issue: Communication tactics — Called outside of 8am-9pm
Company: Ad Astra Recovery Services Inc (CA)

Ad Astra Recovery Services has been calling outside of appropriate hours. 

XXXX called me on XXXX XXXX, 2016 at XXXX XXXX ; this is verifiable on my XXXX phone records. 

Also, I am a resident of California, and they violated the XXXX XXXX.
Consumer complaint received 2018-04-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XX/XX/XXXX I closed my capital one secured credit card account and paid the remaining balance. When I opened the credit card account, I put a {$300.00} deposit which I am supposed to get back. I have called and talked to thier customer service three separate times and they claim the check was sent out on the XX/XX/XXXX but they would send an email to the department to cancel it and have another check sent out. I still have not received the check and I don't believe that I will receive it unless someone forces them to give me my money that they owe me.
Consumer complaint received 2019-10-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (MI)

We got a letter from PHH loan servicing that as of XX/XX/XXXX, they are no longer accepting payments for our loan. We received this letter late in XXXX. We tried to access the account on the new loan servicers website after we got paid XX/XX/XXXX to make our mortgage payment. We could not access the new website to view our loan. We went to PHH where we were able to access the loan but could not pay it. We called the new mortgage company and were told that they do not have any record of the loan being transferred over & no account number is showing. It is now XX/XX/XXXX and we can not make the mortgage payment!
Consumer complaint received 2019-10-04
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: Experian Information Solutions Inc. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3000.00}. 
I am a victim of identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See also 12 C.F.R 226.12 ( b  ). 


1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/2013 with a credit limit of {$3000.00} -This is not my account.
Consumer complaint received 2019-10-04
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: Experian Information Solutions Inc. (NY)

XXXX had input a Hard Credit Inquiry on my credit report, which I did not authorize. Moreover, I specifically requested that the phone conversation be recorded and they will not pull my credit. After I discovered a first hard inquiry on my credit report from XXXX, I contacted them by phone and spent an hour being transferred to different people, and via email in effort to remove the hard inquiry from my account. Got a response by email that my request has been submitted. Checked my credit report again two weeks later, and found a second (! ) hard inquiry from XXXX on my credit report. The credit bureaus ( XXXX, XXXX ) claim they can not remove an unauthorized inquiry from my account.
Consumer complaint received 2018-04-10
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Neon Newco Corporation (MA)

I bought a Netspend card at XXXX in XXXX, MA on XXXX XX/XX/2018 at XXXX XXXX  for {$68.00}. I called the company and activated it then attempted to use the card but It wouldn't work. I called Netspend back and tried to resolve the issue the same day. I ended up asking for a supervisor. While talking to him they said they could issue a refund and it would arrive in 7-10 days. I told him that would take too long and asked if there was any other way to resolve this sooner. he said no. I then informed him I rather keep the card and he told me it was too late they had already cancelled the card. Since this started I have spoke to Netspend around 5 times and XXXX around 5 times as well. It's been 17 days and I have yet to receive a refund. There is no tracking number and no one will further assist me. At this point Netspend constantly claims " you will receive it by mail tomorrow, '' which is never true and XXXX refuses to help at all aside from telling me to call Netspend. Hopefully you can hold XXXX responsible as well as they refuse to take any responsibility at all. I just want my money back and I feel like I have been robed by XXXX and Netspend. Neither seems to care at all.
Consumer complaint received 2019-05-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CNG HOLDINGS INC (NC)

XXXX XXXX XXXX recently reported a {$1400.00} collection account on my credit report. They are stating that the original creditor is a company called XXXX XXXX. I have never heard of this company, much less had an account with them. Needless to say, I have made XXXX XXXX XXXX aware of this, but they refuse to take it off of my report. When I last spoke with their reps, they said I should dispute the account with XXXX, XXXX, and XXXX XXXX. They said that if the account was not mine, it would be deleted. Well, I did that ; and the account is still reporting on my credit file.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I like to request the removal of multiple unlawful hard credit inquiries from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-10-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (IN)

My loan is serviced by PHH and they claim it is {$9900.00} past due ... .13 payments of {$810.00} regular payments. They claim the P & I = {$450.00} and {$370.00} escrow per payment. They claim that a modification was offered in XXXX but do not have a payment plan amount on the record. These acts are a clear violation of CFPB and RESPA law. They also do not a have full payment history or any accounting records relating to the mortgage loan. They claim that the payment plan for {$1700.00} per month was set on a temporary basis, but have no explanation mathematical breakdown or the long term goals of the payment plan. PHH claims the principal balance is {$140000.00} with a maturity date XX/XX/XXXX The original loan amount {$140000.00} and the debt was paid down to {$100000.00} in XXXX. There is absolutely no way the balance on this loan could have accelerated to a {$140000.00}. PHH claims a shared appreciation modification or " SAM '' modification was executed with a {$830.00} waiver. There is absolutely no net tangible benefit this this deal. PHH has assigned a foreclosure sale date XX/XX/XXXX through XXXX aXXXX XXXX. PHH has refused to offer mediation through IN 32.30-10.5, which is a violation of IN State law. Overall, the RESPA, CFPB and HUD violations run wild on this case. sent out.
Consumer complaint received 2019-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Experian Information Solutions Inc. (NY)

XXXX had input a Hard Credit Inquiry on my credit report, which I did not authorize. Moreover, I specifically requested that the phone conversation be recorded and they will not pull my credit. After I discovered a first hard inquiry on my credit report from XXXX, I contacted them by phone and spent an hour being transferred to different people, and via email in effort to remove the hard inquiry from my account. Got a response by email that my request has been submitted. Checked my credit report again two weeks later, and found a second (! ) hard inquiry from XXXX on my credit report. The credit bureaus ( XXXX, XXXX  ) claim they can not remove an unauthorized inquiry from my account.
Consumer complaint received 2019-10-04
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: BARCLAYS BANK DELAWARE (MS)

On XX/XX/2019 I sent via certified mail a request under the fair credit reporting act section 623 requesting basic information that they should have to verify that barclays bank was accurately reporting information on my credit report. My letter was delivered on XX/XX/2019 at XXXX. My request was ignored by barclays bank in violation of the FCRA and they did not respond within the 30 day window the law allows or even bother to respond at all.
Consumer complaint received 2019-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC (NY)

I paid to get my credit repaired and they did not do anything but take my money for six months Im not sure of the exact date but it was somewhere around XX/XX/XX/XX/2018
Consumer complaint received 2019-10-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (CO)

My spouse lost his employment on XX/XX/2019, but returned to work in XX/XX/2019. The loss of employment resulted in a loss of net income of approximately {$7000.00}. As a result, we fell behind on our mortgage payments. 

SPS sent us a Notice of Default Right to Cure ( the " Notice '' ) dated XX/XX/2019. The amount required to cure the arrearage as stated on the Notice is : {$8000.00}. 

However, the amount on the Notice does not agree with the amount due as shown on SPS ' monthly billing statements : Statement dated XX/XX/2019 Payment Due Date XX/XX/2019 Payment Amount : {$3400.00} = Regular Monthly Payment XXXX + Past Unpaid Amount of {$2300.00}. 

Statement dated XX/XX/2019 Payment Due Date XX/XX/2019 Payment Amount : {$4500.00} = Regular Monthly Payment XXXX + Past Unpaid Amount of {$3400.00} Statement dated XX/XX/2019 Payment Due Date XX/XX/2019_Payment Amount : {$5600.00} =Regular Monthly Payment XXXX + Past Unpaid Amount of XXXX Thus, the difference between the amount due as shown on the XX/XX/2019 Billing Statement and the Notice of Default : {$2400.00} ( Note : the Notice does include Escrow Payments IAO XXXX ).
Consumer complaint received 2023-03-21
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. (FL)

First and foremost Ive recently been educating myself in financial literacy and have found out that more than 90 percent of my consumer report has been in violation for the past couple of years. I have made Many attempts to all 3 Agencies via certified mail last year XX/XX/2022 to get back control of my Consumer Report by informing them to Deleting incorrect addresses and informing said Agencies about inaccuracies on my consumer report made by the Persons/Financial institutions Furnishing the Data to these Consumer Reporting Agencies .