davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO. (KS)

I have a Chase Sapphire Preferred credit card, which includes a trip cancellation / interruption benefit. I used that credit card to purchase a prepaid and non-refundable travel package through a travel supplier ( XXXX XXXX ) for a trip to XXXX, Florida ( XX/XX/XXXX - XX/XX/XXXX ). During the trip, a severe weather event ( Hurricane Nicole ) occurred which caused an interruption to prepaid and non-refundable travel arrangements included in the purchased travel package ( resulting in a {$200.00} financial loss to myself as cardholder ). Upon returning from the trip, I first reached out to the travel supplier but received no reimbursement. Thus, I immediately filed a trip interruption claim requesting reimbursement in the amount of {$200.00} ( claim # XXXX, filed XX/XX/XXXX ) with all required documentation through XXXX/ XXXX XXXX XXXX which Chase uses as its third-party card benefit insurance carrier. My claim was unexpectedly closed on XX/XX/XXXX without a claims examiner ever contacting me in regards to claim eligibility, as eclaimsline stated would happen within '5 business days '. Phone representatives told me to write an appeal via email, in which I outlined precisely how my trip interruption claim fully met the terms and conditions outlined by Chase and eclaimsline and is thus eligible for coverage under my card 's trip interruption benefits ( sent on XX/XX/XXXX ). On XX/XX/XXXXXXXX XXXXe informed me that my appeal was successful and my claim would continue to be processed. On XX/XX/XXXX and XX/XX/XXXX, XXXX requested additional documentation from me -- documents which I had previously submitted through their online site -- which I provided in a thorough and timely manner. However, XXXX repeatedly missed its stated '5 business day ' review and response window after I provided the requested info, leaving the status of my claim up in the air for weeks at a time. This dragged out for two months with numerous phone calls to XXXX representatives who were largely unaware and unhelpful in providing the status, timeline, or any other assistance with my claim. Finally, on XX/XX/XXXX I was informed by XXXX that my claim had been rejected due to ineligibility of my specific trip interruption circumstances, despite the fact that prepaid and non-refundable travel arrangements purchased through a travel supplier which has been interrupted due to severe weather is explicitly included on Chase 's list of covered situations. This has been an unreasonably difficult process compounded with grossly inadequate customer service. The unreliability and untrustworthiness of eclaimsline -- supported by XXXX negative reviews on XXXX XXXX XXXX XXXX XXXX XXXX  -- as well as my claim 's clear eligibility under Chase 's trip interruption card benefit is why I am filing this complaint. I am attaching all available documentation and would be happy to provide additional details if needed.
Consumer complaint received 2021-11-11
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. (GA)

My mortgage payment is showing nearly {$4000.00} more than what I owe. I contacted the credit reporting agency and my mortgage company to ask what happen. My mortgage company stated the amount on their website is showing the correct amount and the Experian is in error.
Consumer complaint received 2021-02-16
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: Rocket Mortgage, LLC (CA)

I paid my home loan on time every day since 2018 and in XXXX they gave me a 30 day lead and I have proof that I paid it on time I spoke to a person name XXXX XXXX who refused to update the credit file.
Consumer complaint received 2020-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NC)

Equifax has a freeze on my social. I've tried the past two years to resolve this issue. I have mailed in a copy of my social and ID to prove I am myself. I am trying to get a new car but when my credit is ran at my bank My Equifax account comes back as fraud. I've reached out to them numerous times and gotten no help.
Consumer complaint received 2020-11-08
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

There was a capital one checking fraudulently opened in my name thats now reporting on my early warning services credit report. Ive never had a capital one checking account and Ive sent capital one my police report but they wont close the credit card account and take it off my name. The balance on the checking account is {$1200.00} and its all fraud!!!!!!!!!!!!!!
Consumer complaint received 2023-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Navient Solutions, LLC. (MS)

This account is on an income driven payment plan and up to date and should not be listed as adverse. Also interest rates applied to balance are inaccurate. Account exceeds 7 years of being able to be listed on credit report.
Consumer complaint received 2020-11-08
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Credit Quick (NC)

I bought this car from XXXX XXXX XXXX XXXX on XXXX XX/XX/XXXX, the car had too many problems to identify from a basic assessment without intense diagnostics. I have all paperwork came with & dealership maintained. XXXX XX/XX/XXXX XXXX seized take to XXXX XXXX XXXX, new engine rebuild & $ XXXX parts. 4 months to complete. Will attach all records. Car on the road only 3 months since ownership! 

Recently, after making last payment on XXXX XX/XX/XXXX, I was informed by XXXX XXXX of XXXX XXXX XXXX XXXX that my loan was purchased by Credit Quick of XXXX XXXX, NC. I immediately contacted XXXX XXXX through email, and given the number for XXXX at Credit Quick without a last name, which I specifically asked for this information!! She never called me back, but I got another call from another representative at Credit Quick, urging me to call them about their urgent matter! I conveyed to XXXX XXXX that I know Credit Quick is owned by XXXX XXXX XXXX XXXX, his fathers company, and he became defensive, asking me, who is this? My father recently passed away after ten years suffering with terminal XXXX XXXX, so I didnt have someone knowing more about cars than myself, and was taken advantage of in sales & financing! Since buying my auto loan from XXXX XXXX XXXX XXXX, I now have the initial loan + new loan doubling to {$37000.00}, according to my XXXX XXXX report. I have had XXXX this year & hospitalized twice for life threatening effects, plus quarantine times. This is a burden that I can not bear & must be stopped! These crooks must be stopped in their tracks!! 

Sincerely, XXXX XXXX
Consumer complaint received 2022-04-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (TX)

XXXX XXXX XXXX attempted to collect a debt that wasn't mine and when they had a debt collector contact me I asked to set up a payment for deletion since it wasn't my account and gave them my card info to do so but instead they tried to remove funds from my account without deleting this from my credit profile when it never even belonged to me. I was strongly mesled by both companies XXXX XXXX XXXX and ERC. This Needs To Be Permanently Removed from my credit reports.
Consumer complaint received 2022-03-17
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. (PA)

XXXX XXXX credit card was reported as 120 days past due when it was 90 days. The payment was made for all 90 days, 15 days prior to the report being filed. I attempted to explain what happened and point out that I had never missed a payment in the past, and they would not listen. The woman that I spoke to was extremely abusive to me. I paid {$490.00}. the day I received the letter from XXXX XXXX and yet, they reported that it was not pain and was 120 days.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2023-03-14
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (TN)

I have received loan documents from the company in question. The documents do not contain my legal name or an address to my residence. Documents do list an IP address which I can not search. I have asked this be removed from my credit report. Company has asked me to dispute on FTC. FTC sends me here. This will therefore meet the requirements of the FTC fraud report as the links were followed.
Consumer complaint received 2023-03-14
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, Georgia XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing in regards to my credit report, which I recently obtained and found several negative items that are impacting my credit score. I would like to address these issues and request that the following items be either clarified or removed from my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). 

XXXX  XXXX Account Number : XXXX, XXXX. XXXX  XXXX Account Number : XXXX, and XXXX. XXXX  XXXX Account Number : XXXX - Pursuant to FCRA 611 ( a ) ( 1 ) ( A ), I am entitled to request verification of these accounts, including the name and number associated with each account. If these accounts can not be verified, they must be removed from my credit report. 

XXXX Date of inquiry : XX/XX/XXXX and XXXX. XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX - Pursuant to FCRA 605 ( a ) ( 5 ), inquiries can only remain on my credit report for up to two years from the date of inquiry. As these inquiries have reached the statute of limitations, they must be removed from my credit report. 

XXXX Account Number : XXXX and XXXX. XXXX XXXX Account Number : XXXX - Pursuant to FCRA XXXX ( a ) ( XXXX ) ( A ), I am entitled to request verification of these accounts, including the name and number associated with each account. If these accounts can not be verified, they must be removed from my credit report. 

XXXX XXXX  Account Number : XXXX - Pursuant to FCRA 611 ( a ) ( 1 ) ( A ), I am entitled to request verification of this account, including the name and number associated with the account. If this account can not be verified, it must be removed from my credit report. 

XXXX Account Number : XXXX - Pursuant to FCRA 611 ( a ) ( 2 ), I am entitled to request an investigation to confirm that this account belongs to me. If the account can not be verified, it must be removed from my credit report. 

I request that you investigate these matters and take appropriate action to ensure that my credit report is accurate and up-to-date. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2017-05-28
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. (NJ)

I 've called Transunion when I attempted to get a credit card and due to my name being similar to another individual down in a different city in the same state, they confused me with this person. I have no credit history but I was able to pull a  XXXX  thanks to this other individual. Furthermore, I ordered a credit card and I 'm most certain am believing my purchases and score is   helping the other person and not me. Only through Transunion am I having this problem.
I called again to get my record cleared and they kept telling me to print out a copy of my SSN and ship it to the address, which is absurd to provide something so precious and delicate into a mailbox that can be intercepted without any consent and will not try to sort this out over the phone.
To add insult to injury, I was starting at high school, this other individual had a time share loan taken out and this is n't enough to explain this account is not mine. And only through Transunion does it enter as   XXXX   XXXX   XXXX   comes out clean.       And thanks to checking Transunion, I 'm getting letters from collection agencies for debt that is n't mine and if it get thrown to court, and arrested, I will have to respond back in a defamation case and ask for payment.
Consumer complaint received 2018-04-23
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. (MI)

XXXX XXXX XXXX is reporting incorrect information on my Experian report. I made a payment of XXXX on XX/XX/2018 and a payment of XXXX on XX/XX/2018 which brought my account current. My due date is the XXXX of each month. On XX/XX/2018 XXXX XXXX XXXX reported me 60 days late but as of XX/XX/2018 my account was brought current with those two payments so why on XX/XX/2018 XXXX XXXX XXXX have reported me 60 days late. It should be showing current.
Consumer complaint received 2018-04-23
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: The Thomas Agency, Inc. (FL)

The Thomas Agency ( Address : XXXX XXXX XXXX XXXX  XXXX, XXXX, ME XXXX & Phone : XXXX ) contacted me by phone in XX/XX/XXXX regarding a medical debt for a XXXX  XXXX in XX/XX/XXXX. I thought this debt was paid in full but it turned out I still owed a balance. Their representative claimed they had attempted to contact me by mail multiple times but I had never received a single letter. The representative I spoke with refused to put me on a payment plan, stating that since I had not responded to letters I had never received that I could not be trusted to make on time monthly payments. I asked if they would take a smaller amount for the time being until I could pay off more of the debt and the representative made fun of me stating, " That's it, that's all you can pay? '' At the time, I was only making $ XXXX/month. I told her that's all I could pay at the time and asked that if I made a good faith payment if they could not report it to my credit report. The representative laughed and stated that she could send the police to my house to have me arrested for what I owed. I hung up because I did not feel it was appropriate to be talked to this way. I called back and spoke with another woman who stated that The Thomas Agency had confused my address with someone else which explained why I did not receive any letters. I asked if I could be placed on a payment plan and she said that she didn't believe this would be a problem so she placed me on hold so she could speak to her manager. As it turned out, her manager was the woman I had hung up on. When I spoke with this woman again, she was even more cruel stating she would begin reporting my account to the credit bureaus.When I brought up what her employee had said, the woman said that she was stupid and didn't know anything. I later took out a student loan so I could cover the cost. I realize that I am reporting this late but whenever I check my credit report, I see this record and I remember what I went through. I was XXXX and XXXX after this incident and had a difficult time opening lines of credit after this incident. I felt like I had been punished unfairly and illegally.
Consumer complaint received 2023-03-14
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (CA)

I was given an American Express gift card for {$3000.00}. before the holidays. When I have tried to use it on three separate occasions, the merchant says it was declined. I have tried reaching out to American Express and they have promised a response, but have never responded. They do not have a reachable telephone number ( recorded only responses ) and I had to through my XXXX XXXX account to get transferred three times to someone who said they would help but never returned the call. They have also charged my card for a purchase they declined and which I used another card to pay, and said they could not help resolve the issue.
Consumer complaint received 2018-04-23
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

Hello, URGENT : XX/XX/XXXX My name is XXXX XXXX I have been trying to get an issue resolve with Capital One since XX/XX/XXXX with no resolution. I have an account that has been removed off my XXXX Report in error due to a dispute. I have call and emailed XXXX and was told that Capital One has to report the account as an open and Valid account. I have called a number of times one day in XX/XX/XXXX, XX/XX/XXXX and multiple times in XX/XX/XXXX. I was disconnected from mangers like 4 times. Of courses they NEVER called me back. I was told in XX/XX/XXXX that it will take up to 60 days to have the accounted corrected with XXXX. Im writing this letter at this point in hopes that I can get a resolution with someone that knows how to do their job. I have lost ALL CONFIDENCE with the Managers that Im immediately transferred to EVERYTIME I call. I would greatly appreciate an email, phone call, or a letter letting me know that the issue is in the process of being resolved. 

Thanks in Advance, XXXX XXXX XXXX XXXX Last four of account number=XXXX Last for of SS # =XXXX Address : XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX
Consumer complaint received 2023-03-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Continental Services Group, Inc. d/b/a ConServe (WA)

I received a government scholarship grant from the XXXX in XXXX. That grant was converted to a debt without my knowledge, passed to collections, and my XXXX tax return was taken and put toward that debt. 

I did not have the opportunity to justify that I satisfied the grant stipulations and was not informed the grant was being recovered. 

I also can not get information about the debt including the terms, and do not have a way to pay this back in a fair way. 

The only information I received was a debt collector notice and then a letter from IRS about my tax return being taken after the fact.
Consumer complaint received 2020-11-08
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Nelnet, Inc. (FL)

The XXXX loans and the Nelnet loans on my account are fraud. All of my student loans were paid-in-full by a second mortgage HUD 1-A with disbursements directly to XXXX in XX/XX/XXXX ( please see attached evidence ). I graduated from the University XXXX XXXX in XXXX. I never had any other student loan debt and all of mine was paid in XXXX by the aforementioned second mortgage. The NelNet and XXXX loans are fraud and must be removed from my account. XXXX was helpful, and removed the debt from my credit report. XXXX  was non-responsive and continues to post numerous repeats of the fraudulent debt regardless. The fraud representative, XXXX, with XXXX was not helpful. We spoke with XXXX in the fraud department with XXXX, formerly XXXX, who confirmed my loans were paid-in-full in XXXX. XXXX did not want me to ask questions or to speak, other than just providing my personally identifiable information and updated contact information to the creditors. XXXX ended the call with XXXX without asking him To send notice to her or the other agencies Nelnet and XXXX who are subsequently and wrongfully reporting.
Consumer complaint received 2020-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This account was paid off and closed in XX/XX/XXXX. In XXXX of XXXX, for some reason, a XXXX $ balance was reported delinquent, giving my credit a big ugly dent. 

I spoke with XXXX, who agreed to provide a goodwill adjustment letter. 

Then, I contacted XXXX XXXX, and Transunion and submitted disputes asking them to update and correct the negative information. 

So far, only XXXX has actually been able to fix it, which they did with no hassle ( See attached documents ). They contacted XXXX and confirmed the account was paid off, closed, and never late. 

I submitted my initial claim via CFPB in XXXX, only XXXX responded directly. Now am submitting individually. Thanks.