davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (FL)

A XXXX XXXX XXXX employee inadvertently gave my credit card to another customer. That customer fraudulently signed a sales slip charging my Chase VISA account {$130.00} for his purchases. 

I have spent eight days disputing this fraudulent charge with Chase to no avail. The Chase VISA Dispute Department told me that they did not consider this unauthorized purchase by a complete stranger to be fraud. The Chase VISA Dispute Department told me that they were  refusing to provide any credit to my account for this unauthorized transaction. They even refused to provide a provisional credit during any requested investigation. As a result, one of my auto-pay accounts ( XXXX ) failed to authorize today as a direct result of the unauthorized purchase of {$130.00} being fraudulently charged to my account. 

Chase supervisor, XXXX provided the Chase Executive Office address for this complaint and refused to provide any other service or make any effort to correct this wrongdoing.
Consumer complaint received 2023-07-27
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: EQUIFAX, INC. (LA)

I am contacting you to request the immediate deletion and removal of the accounts and information listed below from my consumer report. Reporting these accounts and information is a direct violation of the FDCPA and FCRA, and it is imperative that they are removed promptly to comply with the applicable laws. Please take immediate action to delete and remove these accounts and information from my consumer report. Thank you.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

I am writing to complain to EQUIFAX about the reported unauthorized inquiries on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX, IL XXXX, and my name is XXXX XXXX XXXX. My birthdate is XX/XX/XXXX. The FTC report number related with this complaint is XXXXI have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights
Consumer complaint received 2019-07-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION ()

I am an international student, on XXXX. I walked in XXXX XXXX Boa, XXXX, VA, to close my account and pay my credit card. because at that time, XXXX will refund me about {$150.00} to my cash reward card. I asked agent helped me to do the all of process which included close the checking account and pay the credit card, also I told them I will get refund later, so I will pay the amount except {$150.00}. they said ok, and helped me. I paid third times, one is {$880.00} to the travel reward, one is {$350.00} to cash reward, and last one is {$80.00}. the agent use my check to helped me to pay after they close my account. what the money left, they did caculate and gave me the cash. also, they gave me three receipts, which was {$350.00}, {$880.00}, {$80.00}. when i back to my country, I found that there was a charge in my credit card, which is about $ XXXX {$25.00} ( check fee ). I tried to connect the local agent who helped me, her manager really rude to me, he said I did not pay the {$350.00} to my cash reward card. but I told him I had receipt to prove. he said because my English is bad, they can not understand, and my recepit could not provide anything. and then he hang off the phone and refuse to help me. my friend walk in Boa and talk to them, the manager lies to her, even though I send photo to my friend and show to them. at the end, he said because my English is not good, the agent could not understand and cancel the {$350.00} transaction. but at that time, they said they already helped me to do all of transfer, and gave me the receipts, said all set. the manager was a lier and discrimination to the international student. all of fault is foreign people has a bad English. if he could not understand, why don't he ask me again!? why he let me think he is professional bank agent. also, i took about 10hours to call the boa, always have to wait about 1 hour to get customer service. and now, because I already close my checking account, it is really inconvenient to fix this problem.
Consumer complaint received 2019-07-26
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: PMT Solutions, LLC. (WA)

PMT Solutions was given a contract to collect a debt from XXXX XXXX XXXX which I had no knowledge of and was able to easily resolve with the XXXX after calling them. However the collection agent " XXXX XXXX '', which I'm guessing is a pseudonym and possibly a FDCPA violation, was extremely rude, made no effort to understand the situation and instead chose to mock me and assume I was totally at fault despite having perfect credit and never missing a payment on any account. He also chose to pursue a personal email and cell phone number ( most likely in violation of the FDCPA and the TCPA ) before even trying official business contact methods which would have worked.
Consumer complaint received 2022-12-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am a victim of I Identity Theft. I have sent in FTC Affidavit relating to the XXXX XXXX and XXXX data breaches with addresses, names, SSN, and accounts that were not mine While waiting for remedy, a new collection from XXXXXXXX XXXX appeared in the mist of dispute showing a new account had opened. I never consented or knew of this debt. this debt was disputed previously deleted and has illegally reappeared as a new account. I have never consented nor ever had applied for account. FRCA laws and U.S.C 1681 states reaging and knowingly reporting inaccurates and fraudulant are a violations. to my consumer rights. Also the 3 late payment showing from XXXX XXXX should been deleted for during the COVID Cares Act, credit agencies may not report adverse payments to a consumers report. I have spoken to bank and they updated to good standing but Credit agencies still showing incorrect and misleading info. I am requesting these acccounts to be deleted. XXXXXXXX XXXX XXXXXXXX {$2700.00} date opened XX/XX/202XXXX XXXX XXXX XXXX XXXXXXXX {$120.00} date XXXX XXXXXXXX XXXX XXXX paid off XXXXXXXX XXXX XXXXXXXX paid off XXXX XXXX XXXX XXXX paid off XXXX
Consumer complaint received 2019-10-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Waypoint Resource Group, LLC (CA)

On behalf of XXXX, Waypoint posted a collection on my credit report, for a debt I was never notified about, for an account that has been closed over a year. Neither XXXX nor Waypoint would agree to remove it from my credit report, even after it had been paid and would cost them nothing. I have also reported XXXX to the XXXX XXXX XXXX over this issue.
Consumer complaint received 2018-06-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Thomas Agency, Inc. (ME)

I had come across some information on my credit report that did NOT belong to me. I disputed said alleged debt first with the credit bureaus. Their response was that the alleged debts were verified I had responded to the bureaus, and The Thomas Agency via certified mail, disputing the debt. I had asked for VALIDATION of such debts. I did NOT receive a response, yet they continued to violate FCRA & FDCPA laws by continuing to furnish such allegations. Attached are copies of the correspondence that I had with them. Due to your continued willful disregard of the law I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed in letters are not deleted. In addition XXXX has failed to follow the law, and has ignored validation requests as well as following protocols as outlined In the FCRA/FDCPA.
Consumer complaint received 2019-07-26
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: HSBC NORTH AMERICA HOLDINGS INC. (AZ)

I applied for a HSBC XXXX XXXX account on XX/XX/XXXX, and was approved online ( doc attached ). My initial {$XXXX} deposit was processed the same day as well ( doc attached ). I was able to set up an online banking account as well after the application process. 

On XX/XX/XXXX, I deposited a check for {$XXXX} through the mobile app. I attempted to log into my account on XX/XX/XXXX to see if my check deposit was received since I had not received any confirmation or any updates on the check deposit status. When trying to log into my account, I received a message saying my account was suspended. I called the listed phone number of 1XXXX ( screenshot attached XXXX to get this resolved. After XXXX minutes on hold, I was able to speak to someone who then attempted to transfer me. I called again and was on hold again for XXXX hour and XXXX minutes and was given another phone number to try. I called the phone number and waited for XXXX minutes until an agent was able to give me yet another phone number to try. I attempted to get help through the HSBC social media team and chat help on the website, only to be told again to call. 

I continued calling the numbers again on XX/XX/XXXX without any resolution, but was able to get clarity on who to try to contact. I finally was able to reach the department at 1XXXX on XX/XX/XXXX after waiting on hold. I received word that my account was suspended and I needed to send verification even though my account had been approved online! I was never notified of any of this until I wasted hours trying to gain access to my account! 

I submitted the information that was asked of me ( doc attached ) and waited for confirmation. However, I did not receive confirmation after waiting XXXX business days as the rep had told me over the phone. I called again on XX/XX/XXXX to confirm whether or not things have processed. After another hour on the phone, I was able to speak to a rep who looked for my documents. He said he would process everything immediately and that I should have access restored after XXXX minutes. However, my account access has not been restored. Every attempt to log into my online banking is met with the message that my credentials are suspended ( screenshot attached ). I attempted again to contact HSBC for help on the afternoon of XX/XX/XXXX so that I would be able to regain access to my online banking. However, after another XXXX hours of waiting on hold and attempting to resolve issues with the chat team, my online access still has not been fixed. 

Today, XX/XX/XXXX, I have been on hold on the phone again for another XXXX hours trying to reach someone at 1-XXXX. I called the general customer care line to attempt to resolve my problem, only to be referred back to 1-XXXX. I am still waiting for someone to resolve my online banking problems so that I can access my money.
Consumer complaint received 2019-07-26
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (NE)

I am behind on my payments. I have been making a steady payment monthly though. Suddenly this month they are refusing to take a single payment that does not include all of the back balance. Refusing the payment will put me a few days from the time they can start a foreclosure process. They wont let me set up future payments to pay it off, wont let me set up a repayment plan. It's all or nothing without warning all I keep hearing is that it's their policy and has been for years yet I made the payment last month without issue and every month before that. The rep I spoke to was cold and refused to even review the notes on the account stating they have taken the payment in the past. It's very clear this company does not want people to keep their home, they would rather push you in to foreclosure than work to seek a resolution.
Consumer complaint received 2019-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MD)

I contacted Experian by phone on XX/XX/XXXX to ask that they delete an address that was listed as a past residence for me and the address is a commercial office building which is my place of work. On XX/XX/XXXX I got a credit alert that my XXXX score had dropped by XXXX points. When I read the detail of the dispute I found that the Experian representative did not remove the inaccurate information, they listed my place of work as a multifamily dwelling. I am writing this email from my office and I can assure you that this building has never been a multifamily dwelling and that is a matter of public record. I have attached a photo and anyone can look this up on XXXX maps.
Consumer complaint received 2019-07-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Waypoint Resource Group, LLC (TX)

I have a collection on my credit report from WAYPOINT RESOURCE GROU XXXX XXXX XXXX XXXX XX/XX/XXXX {$820.00} {$820.00} XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX They have illegally reaged this debt as I have not had service with XXXX since XXXX. They have the open date as of XX/XX/XXXX which is absolutely incorrect.
Consumer complaint received 2019-07-26
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION (MI)

The Amortization Chart is not matching the Balance on my Mortgage statement. I called on XX/XX/2019 and tried to explain to M & T Bank that there was a problem and they said that they would look into it and call me back on XX/XX/2019. We called M & T Bank back on XX/XX/2019 and XXXX from M & T Bank said that the investigation was still open sorry that they didn't call. then XXXX told us to call back on XX/XX/2019. I received my loan payment for XX/XX/2019 and the Amortization was still off and it increased. On the loan payment for XX/XX/2019 there was a {$20.00} deferens in the Amortization and the Principal amount. Then when I got my XX/XX/2019 loan payment the deferens went up to {$20.00} it went up {$0.00} cent it keeps going up. I called back on XX/XX/2019 and XXXX from M & T Bank said that they have opened an new investigation and they have 15 days before they have to give us and answer on the first complaint back on XX/XX/2019 and they do not have to give us and answer until the 15 days are up. I am asking for help please this amount keeps going up and I can not get any answers from M & T Bank.
Consumer complaint received 2018-05-22
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: AMERICAN EXPRESS COMPANY (WI)

In XX/XX/XXXX I applied for an American Express for the promotion of XXXX points if you spent {$1000.00} in the first 3 months. When I got the card XX/XX/XXXX there was no paperwork to show my promotion, so I called and they confirmed it was not on my account. They Then opened a case and said 6-8 weeks they would have an answer to what happened. 

I have reached out the them once a week since XX/XX/XXXX to today. It has been escalated 4 times to management and told me it would be another week for an answer. I have been lied to when I signed up for the card and never have gotten any answers on where my points are. I have also asked them to give me the registered name with XXXX to report them and the refused to give me any information. 

I want what I was promised. I have already spent thousands on the card and it has been 6 months of waiting.
Consumer complaint received 2019-10-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (CA)

I XXXX XXXX had set up auto-debit payments to my loan servicer while being enrolled in paperless statements. So, one month they said I did not set up the auto-pay correctly and put a late payment on my credit report. I work very hard to pay all my bills in a timely fashion. When I called my home loan servicer to discuss this problem they claim the error was my fault and refused to help. In any case, I made the payments and caught up after them putting a late payment on my record and also charging me a XXXX late fee. I feel like I got no help, support and proper explanation for this error. Please help me resolve this issue as soon as possible.
Consumer complaint received 2019-07-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (CA)

I was charged {$100.00} on my checking account for no reason. I have call them several times and they give me different answers but they dont resolve anything. Supposedly I was charged from the credit card department to pay for my credit card but that payment isnt reflected in my credit card record. I have talked with both departments checking account and credit card and they dont resolve anything.
Consumer complaint received 2019-07-26
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: JPMORGAN CHASE & CO. (CO)

1. As stated in my lease contract, I was required to make 36 monthly installment payments. I paid for each installment. The final payment was posted on XX/XX/2019. 

2. I wanted to purchase the vehicle at the end of my lease that expired on XX/XX/2019. I called Chase to attain a payoff quote on XX/XX/2019. Chase provided a 10-day payoff quote. The quote included two discrepancies. a. ) The purchase price stated in my contract is {$11000.00} and the purchase price provided by chase is {$11000.00}. b. ) The lease payoff quote includes a XXXX and additional monthly installment. I was informed this additional payment is non-negotiable and would be refunded if the payoff was made on or before XX/XX/2019 ( the day my lease expires ) 3. I have called Chase several times. I had them submit my case for review in their accounting department but was denied twice. The last time I called was on XX/XX/XXXX to which the representative said I am in the wrong. 

4. I visited a Chase branch located at XXXX XXXX XXXX XXXX, CO XXXX on XX/XX/2019. I waited two hours while the bank lobbied on the phone on my behalf to their motor vehicle department. 

In summary, I am owed {$38.00}. the purchase price varies and I should not have been charged the XXXX and additional monthly installment.
Consumer complaint received 2022-12-02
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. (FL)

I ordered a copy of my report in XXXX XXXX  and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Equifax / XXXX / XXXX has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete its investigation within 30 days. Please check the payment history, date open, last activity, and Status of XXXX XXXX Account XXXX. I believe it was reported in error. 
XXXX XXXX XXXXXXXX Balance : {$760.00}
Consumer complaint received 2019-10-14
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southern Oregon Credit Service, Inc. (OR)

SOUTHERN OREGON CREDIT SERVICES has never informed me of any rights to dispute my debt or even what my debt was related to prior to serving me. I have been unable to verify if the debt is even valid. They use deceptive practices and refuse to identify themselves when calling or when I call them.
Consumer complaint received 2019-10-14
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: TRANSWORLD SYSTEMS INC (OH)

On XX/XX/2019, my bank sent University Accounting Services the payment due on XX/XX/2019. Documentation indicates it was received by UAS on XX/XX/2019. 

UAS sent a report to the credit bureaus indicating that I had missed my XXXX payment. My credit score dropped 140 points. 

I contacted UAS by internal website messaging and by phone. I also submitted a dispute form to XXXX XXXX regarding this issue. 

The customer service agent at UAS insists that the payment received on XX/XX/XXXX was payment due on XX/XX/XXXX. I told her that this was incorrect. I have documentation from my bank showing all payments were sent two weeks ahead of the due dates to insure proper time for application.

She has sent my account to an accounting specialist.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim *of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible. XXXX Account Number XXXX XX/XX/XXXX {$2100.00}, XXXX XXXX XX/XX/XXXX {$2000.00}, XXXX XX/XX/XXXX {$8000.00} XXXX XXXX ending in XXXX