davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (TX)

I booked a flight using chase ultimate reward through chase travel agency at XX/XX/XXXX and canceled it one day later. The flight ticket transferred to XXXX XXXX XXXX under my account which is good for use within one year. At XX/XX/XXXX, I was trying to book a new reservation through chase reward travel agency again. After a long negotiation and waiting time ( around one hour ), they told me I have to complete the trip not book the trip by XX/XX/XXXX, which is totally different from what they told me before. Then I was transferred to XXXX XXXX, they helped me book the new travel, however, cost me XXXX bucks more because original travel was booked through chase and new one need to go through chase as well or I need to pay {$50.00} more. 
The professionalism of chase reward is poor, they told me different things at different time. And the response time of them is very long, the phone call I made to them yesterday took around 2 hours in total which is insane. The overall experience of using chase reward is too frustrating.
Consumer complaint received 2019-06-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION (NY)

On my XX/XX/2019 statement I had a {$0.00} charge. I paid the balance by sending payment for a {$1.00} the minimum my bank would allow. This provided for a {$0.00} credit. I received my XXXX statement and the bank debited my credit to make the balance {$0.00}. I called and they refused to reverse the wipe of my credit. I am owed {$0.00}. 

Funny how they wouldn't waive it when I owed them {$0.00}.
Consumer complaint received 2019-06-18
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. (CO)

Equifax and XXXX are incorrectly reporting a charged off account where I am shown as an Authorized User on XXXX partial account number XXXX. ( Please see pages 15 and 16 of the attached credit report. ) I have already called XXXX XXXX XXXX and let them know that I never gave permission to be added as an Authorized User to this account. This tradeline has been removed from XXXX, however Equifax and XXXX have not removed this from my report. I have contacted the two bureaus to fix this issue. This negative reporting is harming my credit score.
Consumer complaint received 2018-04-16
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Flatonia Investments, LLC (GA)

Regarding the late reporting of my mortgage account with Envoy, I am disputing this recorddue to the fact that this was in fact paid. This should not report on my credit report as a 30delinquent account for this reason. The reason this is reporting is due to the fact that mymortgage was sold From Envoy to XXXX XXXX, and during this transition period, it appearsthis got mixed up. I received confirmation that my payment was made and had beenreceived from Envoy shortly after my payment was made. I later received information statingthat my payment was not received and that I would have to wait until the transfer of the loanwas processed before I could even make the payment.
Consumer complaint received 2023-04-29
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. (FL)

This is my twelve endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion XXXX XXXX XXXX Inquiry : XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXInquiry : XXXX XXXXXXXX XXXX XXXX XXXX XXXX  ( Original Creditor Name : XXXX XXXX XXXX XXXX Balance {$1100.00} ; XXXX XXXX XXXX ( Original Creditor Name : XXXX XXXX ) XXXX Balance {$950.00} XXXX XXXX XXXX Balance {$2200.00} 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 XXXX XXXX XXXX XXXX   Balance {$1500.00} ; XXXXXXXX XXXX XXXX Balance {$630.00} ; XXXX XXXX XXXXXXXX Balance {$690.00} ; XXXX XXXX XXXX Balance {$3600.00} ; XXXX XXXX Balance {$4500.00}.
Consumer complaint received 2019-06-18
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (IL)

I got a reverse mortgage XX/XX/2010they gave a total of XXXX in debt and I got XXXX but they told me I still had money up that I could get the money for repairs 6 months to a year but now they are changing everything they said around the loan officer I was dealing with is no longer working at champion mortgage now that I need my money for home repairs they are saying there is none I have reached out to them but nothing or no one has helped me now I am reaching to someone here I am senior citizen that's on fix income and no one wan na listen to me or help me I feel like I did something wrong I was only trying to help myself I really feel like I made a mistake my property was paid for before I went 2 these people they have traded my loan to over 4 different companies champion mortgage is the latest one can someone I TRUELY NEED HELP
Consumer complaint received 2019-06-18
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (IL)

This is a follow up from my last complaint that was submitted, but never resolved. Claim # XXXX. My private student loans were being serviced by XXXX  from XX/XX/XXXX. In XX/XX/XXXX, I got a letter from XXXX XXXX that due to the settlement of lawsuit, my private loan amount has been adjusted, and will be serviced through XXXX XXXX. However, instead of the account being transferred from XXXX, both XXXX XXXX and XXXX XXXX are billing me for the loan payment.

I have asked XXXX XXXX multiple times for the name of the servicing agent, that was servicing my private student loan from XX/XX/XXXX up until XX/XX/XXXX, when XXXX XXXX claims to have taken over my private student loan.

At the same time, I have asked XXXX XXXX for the Primissory note that I signed for the private student loan XXXX has been servicing since XX/XX/XXXX.

My loan should be serviced through either XXXX XXXX or XXXX, not both. However, I am currently getting bills from both agencies, and neither party is providing the necessary document.

I need to have the following information from XXXX : Primissory Note for my private Student Loan.
Consumer complaint received 2022-09-02
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. (CA)

My Equifax credit report shows delinquency. I already resolved this error with the debt collection agency and they said they already reported it back to Equifax. 
However, when I contacted Equifax, they insisted that they did not have any update and the delinquency in my report could not be removed. 
This issue caused me major issue when I applied for credit.
Consumer complaint received 2022-09-02
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. (GA)

I have unauthorized inquires on my credit report : XXXX  ( XX/XX/2020 ), XXXX ( XX/XX/2020 ), XXXX XXXX XXXX XXXX XXXX ( XX/XX/2020 ). I NEVER authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy.
Consumer complaint received 2024-02-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: BSI Financial Holdings, Inc. (WA)

XX/XX/2024 - I made a one-time payment of {$33.00} to test and verify that the correct way to apply my funds ONLY to the principal amount. 

XX/XX/2024 - I see {$33.00} was correctly applied to my mortgage principal only. 

XX/XX/2024 - I made a one-time payment of {$19000.00} in the same way as tested. I take screenshots confirming my payment options, fully expecting to have no issues. 

XX/XX/2024 - I notice in the web portal that my payment is sitting in Unapplied Funds as a Cash Receipt transaction instead of a Principal Payment like I had designated. 

XX/XX/2024 - I call BSI Financial to find out more about why this has happened. Customer service agent says she doesnt know but she can put in the request to have it be applied to the principal amount. Meanwhile, I have already put in my PMI cancellation request because this payment was supposed to bring me down to 80 % LTV at which point I can request to cancel PMI. 

It seems to me that BSI handled this transaction completely in bad faith. I can not help but suspect that they know theyre not incentivized to apply my large payment correctly because this would be less interest money, PMI , and escrow money for them. I have clearly seen this principal payment process CAN be extremely easy in a smaller principal payment, but as soon as the payment amount threatens their interest collection in a meaningful way, theyve introduced errors into the system and handled my payment maliciously. 
They deserve to be thoroughly investigated for this. My mortgage has no prepayment penalty, nothing in the terms describing this outcome as expected!
Consumer complaint received 2024-02-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: REGIONS FINANCIAL CORPORATION (AZ)

I have paid over {$5000.00} in Interest for XXXX and they are Stating on the Form XXXX that I only paid {$1100.00}. I called and asked them to correct the form since it was not correct. They would not correct because they say I prepaid XXXX XXXX. Does not make sense since I paid the interest in XXXX and the mortgage company took the interest in XXXX. 

they are fraudulently stating information to the IRS. 

Please put a stop to what they are doing.
Consumer complaint received 2019-06-18
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY (GA)

AMEX REFUSE TO REMOVE {$2500.00} UNAUTHORIZERED FRAUD CHARGES MADE BY XXXX XXXX XXXX ON ABOUT XX/XX/2019 AND SENT PAYMENT NOTICE DUE XX/XX/2019 FOR {$6600.00} IN WHICH IS UNREALISTIC FOR ME TO PAY BEING ON FIX INCOME ( SSI/VA XXXX VET ) AND THIS HAS CAUSED UNEXPECTED FINANCIAL HARDSHIP IN WHICH I CAN NOT PAY AND MAINTAIN STANDARD OF LIVING AS A SINGLE PARENT FATHER OF XXXX DAUGHTER AND I DISPUTE THE VALIDATION OF DEBT OWED PER 1692g FDCPA DUE TO CONFLICTING BALANCE / BILLING STATEMENT AND INFORMATION TOLD BY AMEX REP STATE A DIFFERENT AMOUNT AND STATUS OF ACCOUNT
Consumer complaint received 2019-06-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I have been unfairly & horribly treated By BoA over the past year they have banning and restrict me closing accounts one by one for some unknown made up Business Decision super odd out of the blue I have all my house car phone bills attached to these accounts and to just oh lets mess with him again and close restrict access is Absurd and straight up mean I have done both and have been with BOA over XXXX years Got my first credit with you guys and to be treated this way is something else I received this email which I never requested to disable and I call and they cant provide no information just was a business decision out of the blue no letter no email no call nothing just oh we can do that anytime. This is going to take a huge toll cant believe it
Consumer complaint received 2020-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: DISCOVER BANK (TN)

Hello, I continuously have submitted certified letters to all three credit bureaus making them aware of my address change for a while now, Discover Bank updated my address and remove the late payment due to my statements werent going to the correct address and thats against the Fair Credit Billing Act ( FCBA ), however a month later they added the late payment back and I didnt receive anything in writing that an inaccurate delinquent payment would be added back on my credit and that is against the consumer protection law, it requires a 5 day written notice prior to reinserting deleted items. I'm asking that you delete this inaccurate late payment due to my statement didn't go to correct address and that you update my address so that my statements can come to my home address which is the correct address.
Consumer complaint received 2018-06-18
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)

On XX/XX/2018, I received notification that a collection item had been reported on my credit report through Experian. I followed up with Experian and was informed that a collection action was reported on to my credit file with Experian. I filed a dispute and obtained information regarding the collection items such as the creditor ( XXXX XXXX ),  the account number, and contact number. After filing the dispute, I proceeded to contact XXXX XXXX. After speaking with them, I was informed that they reported a collection action for a person who shares the same name as i do ( XXXX XXXX XXXX ) and the same numerical address ( XXXX ). We both live in the same city as well. We do not share the same birthday, phone numbers, emails , street name address, or SSN. After receiving this information from XXXX, I contact Experian again to inform them of the mix up. They said it would take 30 day to resolve any dispute. I informed them that this was a mistake that they are responsible for and it has caused my credit score to drop from an XXXX to a XXXX. They said they could not do anything about it and that all they could do was file the dispute, even after i informed them that all XXXX was trying to do was to report the collection account to the other person and Experian made the mistake of adding it to my credit file. I asked if they could expedite the dispute as it was their mistake and they said no. This is the second time a mix up like this has happen and my credit score suffers. This is unacceptable on their part.
Consumer complaint received 2023-04-04
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: EQUIFAX, INC. (MD)

XXXX XXXX has not been a loan provider for my student account for years. All my loans were transferred back to the original holder XXXX XXXX  several years ago. In 2021 XXXX XXXX  forgave all my loans and closed my accounts yet XXXX XXXX is attempting to report that student loans are active on my credit report. They are reporting recent late payments which are not at all true.
Consumer complaint received 2023-10-24
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (PA)

On XX/XX/2023, my husband ( on our behalf ) completed a remittance transfer request at our local First National Bank of PA branch in XXXX, XXXX. The transfer was from our First National Bank of PA account to our XXXX XXXX XXXX account in XXXX, XXXX. We have completed remittance transfers, including to the same bank in XXXX, with them in the past with no issues. I was listed as the beneficiary ; my husband as the sender. On XX/XX/XXXX, given that the disclosure agreement lists XX/XX/XXXX as the delivery date ( with if not sooner in parentheses ), we began asking XXXX why our transfer had not arrived -- we've never had a remittance transfer arrive more than XXXX days later. Despite a wire research initiated on XX/XX/XXXX at our request, which showed an error between XXXX of the intermediary banks, and a wire recall requested on XX/XX/XXXX, we still do not know why our funds were not delivered or where they are. We have been in constant communication with our local branch and a regional branch of FNB of PA, but we are unable to get information from the intermediary banks, our bank in XXXX is not able to locate the wire, and we are unable to speak directly with the wire room at FNB of PA. FNB of PA claims it has done all it can, but we are missing {$15000.00}. Given all this, we are asking for outside intervention to get our remittance transfer refunded and returned to our FNB of PA checking account from which it was debited on XX/XX/2023.
Consumer complaint received 2018-06-18
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. (AL)

My first letter to Equifax was on XXXX, This inaccurate information is continuing to damage my credit and inability to obtain credit. 
Equifax is reporting XXXXXXXX XXXX # XXXX, {$3200.00} as a charge off This loan was paid off in XX/XX/XXXX never late. 

They are also reporting an inaccurate address : XXXX XXXX XXXX, XXXX, AL XXXX even though I sent an affidavit of correct information.
Consumer complaint received 2019-06-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NV)

XX/XX/2019 I comfortably began the home buying process, knowing that I hadn't used my credit in quite some time. I was upset and shocked to have learned that it had been used recently. One of the accounts listed said, " Portfolio Recovery '' for a XXXX XXXXXXXX credit card. I've yet to bank with XXXX XXXX. This has been a nightmare going back and forth with them and at this point, I'm over it. I will go the full mile until this is removed from my credit report. It really XXXX that collection agencies treat people this way. I've been ignored since early XX/XX/XXXX. I have sent two letters thus far, no response. I called XXXX XXXX personally to get information regarding the account as well. They couldn't help me because I couldn't verify any of the account information outside of my social ( account security questions, etc. ). I informed them, how could I? I never opened the account, to begin with!
Consumer complaint received 2019-06-18
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. (TX)

Experian under the FCRA you are in violation of reporting accounts not owned by companies you state on credit report XXXX date XX/XX/2019 a clear violation and credit manipulation. I am reporting this through the CFPB so that I get a response to these accounts if not removed then legal action will take place for damages mental distress lose of business do to your reporting please take care of this enclosed letter at once thank you
Consumer complaint received 2019-06-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (VA)

This company was contacted 3 times in writing advising that I am disputing and requesting validation of the debt. I have also disputed on my credit report several times as well. I do not recognize this company or the debt being reported to my credit. 

I have never received an initial notification from this company advising me of the debt they claim I owe or providing me my right to dispute/request validation. This account was discovered after me taking initiative to pull my credit report. 

This company has not responded in 7 months. They are ignoring my written correspondence and request for validation. They are updating my credit report disputes as " verified as reported '' but have not complied with the FCRA by sending me proof of the debt. This is illegal and unethical. I believe they should be investigated as there may be many more people affected by the illegal practices. I intend to also file an attorney general complaint as well as a XXXX  complaint. I will also be seeking legal action against this company for failure to adhere to the law.
Consumer complaint received 2023-08-13
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: National Credit Adjusters, LLC (IL)

Just because the contract was transferred does not mean the rights to enforce performance was transferred. This is an illegal debt and reporting it has caused me harm. 

3-203. TRANSFER OF INSTRUMENT ; RIGHTS ACQUIRED BY TRANSFER. 
Primary tabs ( a ) An instrument is transferred when it is delivered by a person other than its issuer for the purpose of giving to the person receiving delivery the right to enforce the instrument. 

( b ) Transfer of an instrument, whether or not the transfer is a negotiation, vests in the transferee any right of the transferor to enforce the instrument, including any right as a holder in due course, but the transferee can not acquire rights of a holder in due course by a transfer, directly or indirectly, from a holder in due course if the transferee engaged in fraud or illegality affecting the instrument. 

( c ) Unless otherwise agreed, if an instrument is transferred for value and the transferee does not become a holder because of lack of indorsement by the transferor, the transferee has a specifically enforceable right to the unqualified indorsement of the transferor, but negotiation of the instrument does not occur until the indorsement is made. 

( d ) If a transferor purports to transfer less than the entire instrument, negotiation of the instrument does
Consumer complaint received 2019-06-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC (UT)

This is a debt that until recently I found out was actually under XXXX XXXX XXXX and was sold to XXXX XXXX in XX/XX/2013. I do not even recognize this debt and have tried numerous times to get this off of my credit report to no avail. I do not owe this debt. This debt is not mine and is not in any way associated with me. Also I noticed that during this period ( XX/XX/2013 ) there was evidence of deceptive credit enrollment practices by XXXX XXXX XXXX and XXXX XXXX of up to {$34.00} XXXX dollars. They are trying to collect on a debt that was probably created by them during a period of their own unlawful practices. 

See : XXXX XXXX XXXX