davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-18
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. (CA)

Both my wife and I signed up for the Chase XXXX XXXX XXXX card in XX/XX/XXXX. At that time when you completed one year with the card ( and paid the {$49.00} annual fee per card ) you would receive a certificate good for any XXXX property in the world. Therefore, this year ( XXXX ) in XXXX we were set to receive this certificate after paying the {$49.00} fee. In early XXXX of this year we each received a letter stating that any certificate issued after XX/XX/XXXX would only be good at XXXX hotels valued at 40K points or less. This was pretty annoying because we had signed up with a different understanding. However, we know that companies reserve the right to change programs at will. 

However, we later discovered in a written communication with a Chase representative that " If a customer 's account was opened between XX/XX/XXXX and XX/XX/XXXX the this change doesn't apply to their account for the first year ''. See attached picture. Thus, someone who signed up AFTER we did would receive at least one unrestricted certificate. It defies logic that the company would reward people who signed up later than us to receive a reward from which we were being denied.
Consumer complaint received 2019-01-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Information Bureau, Inc. (FL)

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX   Last reported : XX/XX/XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this  title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious XXXX XXXX XXXX Last reported : XX/XX/XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX   SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2022-09-01
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

On XX/XX/22 I received written notification that my account with Capital One is now own by XXXX XXXX XXXX XXXX XXXX for the amount of {$710.00}. I received an email from XXXX XXXX XXXX on XX/XX/22. I am sending them a letter. I am a consumer and consumers have the right to privacy. I thought privacy is defined as the right not to have one 's personal matters disclosed or publicized ; the right to be left alone. In addition to consumers having the right to privacy is in violation of UCC9-109 ( d ) ( 5 ) which states that no creditor can transfer an assignment of accounts, chattel paper, payment intangibles, or promissory notes which is for the purpose of collection only. Capital One and XXXX XXXX XXXX has violated my privacy. All three credit bureaus are already violated my privacy by reporting Capital One on my consumer reporting file. I need some help with matter.
Consumer complaint received 2020-12-23
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Caliber Home Loans, Inc. (CA)

I applied through a broker for a refinance of an existing mortgage on XX/XX/2020. The broker submitted an application to Caliber Home Loans , Inc., ID XXXX. XXXX # XXXX. 

I received notice of tentative approval with additional information requested. I supplied all the information that was asked for. I again received an approval acknowledgement. After about a month with no additional information about a closing date, I asked my broker to inquire why there was a delay and why I was not provided a closing date estimate. I was then informed that the loan was not approved and I would have to apply for an " investment '' type loan, even though I had provided evidence that the property was no longer being rented out, but a second home which I was currently occupying. I was charged a {$30.00} " pay off fee '' based on an inquiry by Caliber Home Loans to my current mortgage holder, as well as a {$70.00} fee for an XXXX umbrella insurance policy certificate. I also was charged {$500.00} for an appraisal, which now may be stale and useless for an alternative application. 


In summary my complaint is that Caliber Home Loans approved my application then delayed the final approval of my loan. They then required additional expenses on my part and then after my complaint about their delay, rejected my application. I meet all their requirements for approval and they stated such, then at the XXXX hour rejected my application. There were no changes in my application 's worthiness, they simply changed the rules. 


I have an exceptional credit score ; adequate income ; more than 50 % equity in the property being refinance ; and a more than adequate net worth - more than 13 times the amount of the requested loan. 


Caliber Home Loans has caused me needless expenses and considerable effort. They changed the rules at the last minute and have provided no explanations for their actions. I am requesting reimbursement for all fees that were incurred by myself as a result of requirements of Caliber Home Loans, Inc. Their deceptive actions with my application have resulted in unnecessary expense, effort, and loss of opportunity in refinancing my real property.
Consumer complaint received 2022-08-29
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: Experian Information Solutions Inc. (NY)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX Date Opened : XX/XX/2020 Balance : {$5400.00}
Consumer complaint received 2022-08-29
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. (NY)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX Date Opened : XX/XX/2020 Balance : {$5400.00}
Consumer complaint received 2022-09-01
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: WELLS FARGO & COMPANY (TX)

I opened a Wells Fargo credit card account. I've had to replace the card several times because each time I get a new card, I use it for a couple weeks without problem but then I begin to see several charges that are not made by me. In the last month, I've had charges upward of XXXX from transactions like XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I've reported to Wells Fargo-they have credited some items, not all. I suspect that it's one of Wells Fargo 's employees who keeps getting ahold of my personal info. I never lend my card to anyone, all of the charges come at once because they know I always report the card stolen when this has happened before. I will be paying the charges that correspond to me, disputing the rest and closing the account.
Consumer complaint received 2021-08-21
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc. (FL)

This card is from the XXXX XXXX. Card # XXXX XXXX XXXX It is a store card which claims to give a discount if I use it to purchase from XXXX XXXX  catalog. 
I made a purchase in XXXX. I somehow missed the bill I expected to receive. When I received a late notice, I paid the balance of {$180.00}. 
It appears the company started charging me {$2.00}. every month & adding {$2.00} late fee. I was not aware of this. Since I was not purchasing, I did not check my balance. I received no notice. 
When I realized I owed {$6.00}, I paid this and asked that my card be terminated. 
Since then {$2.00} plus {$2.00} late fee has been charged to me every month. 
I have not made a purchase. I will not use this card again. 
XXXX XXXX  has made a mark against my credit report causing me to have to pay a higher interest rate. 
They say I still owe {$6.00} which I refuse to pay. 
XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XXXX XXXX XXXX
Consumer complaint received 2021-08-21
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. (NC)

I previously sent four dispute letters disputing unverified accounts on my credit report with Equifax and XXXX. The accounts I'm disputing were with XXXX XXXX and XXXX XXXX XXXX XXXX. I have sent XXXX  and Equifax dispute letters and response letters from XXXX XXXX XXXX XXXX and XXXX XXXX, stating that they can not verify the accounts that these two credit bureaus are saying that they verified. XXXX  and Equifax needs to delete these accounts because I have letters from these companies stating that they can not verify accounts that the credit bureau say I have with them
Consumer complaint received 2022-09-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have asked the credit bureau to do a thural investigation to verify everything on my credit report and they did. It's stated that everything is accurate which that statement is wrong. I did my own investigating and found numerous inconsistencies on my credit report even after they did their 's. 

Account name : XXXX Account # XXXX In accordance with the Fair Credit reporting Act. 
XXXX  account # XXXX XXXXXXXX, has violated my rights, 15 U.S.C 1681 SECTION 602 A states I have a right to privacy 15 U.S.C 1681 SECTION 604 A states a consumer reporting agency can not publish an account without my written instructions
Consumer complaint received 2022-09-01
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. (PA)

I have disputed all inquiries on all 3 of the credit bureau because I am a victim of identity theft and have all these inquiries that I no nothing about and did not do also it was a auto loan taken out in my name and my info was shipped around to over 45 companies and now they are not removing them I have filed a ftc report and police report also someone is arrested rite now and told the detectives they purchased my information and also have a acct in my name and they wont help me and talking down on me because Im only XXXX I know I only have two credit unions and thts all I use to run anything all this other shopping around inquiries I did not do and am XXXX Im not getting the help I asked for I also placed a fraud alert on credit and freeze still they wont remove them
Consumer complaint received 2021-02-01
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Waypoint Resource Group, LLC (LA)

I had an account with XXXX that was closed for non payment in XX/XX/XXXX. XXXX initially hired XXXX to be a debt collector for the debt, but the debt was not sold. A collection for {$520.00} was placed on my XXXX  credit report on XX/XX/XXXX and I disputed it through XX/XX/XXXX on XX/XX/XXXX because I did not recognize XXXX or the amount. The result was " Deleted - XXXX  has deleted the account or record from your XXXX  credit report ''. A year later XXXX hired waypoint resource group to be a debt collector, but again they did not sell the debt. ( XXXX still owns the debt ). I'm not sure if after a successful dispute it is even legal to just use another debt collection company with a new date to report the same collection? Waypoint reported it to all 3 credit bureau with Opened Date : XX/XX/XXXX for the same total {$520.00}. I then opened a dispute on XX/XX/XXXX about the date being incorrect because this was a 13 month later date and was an illegal refreshing of the date, as i had made no contact or payments to XXXX or Waypoint. I provided them proof of my prior disputes by attaching a PDF showing the previous collection and successful dispute. The result of this dispute was " Verified As Accurate And Updated - It looks like this item is actually correct and that it's going to stay on your credit report, but info has been updated to reflect recent activity. '' I more or less gave up because I figured they were going to just ignore my disputes that are clearly provable and that id probably have to hire a lawyer until XX/XX/XXXX, when I tried calling XXXX 3 times but their phone system will not let you through without a current account number or the desire to purchase new service. I then called waypoint and they said basically that they would look into it, but on XX/XX/XXXX a XXXX collection department employee called me back ( you cant call them, you can only ask other people to have this unreachable department call you ). I explained to the XXXX XXXX department employee that the dates were wrong, and they said they could see that and would have it fixed. It was not fixed and still hasn't changed as of today. I then called XXXX on XX/XX/XXXX and after 2 calls reached a real person who told me that you cant call the collections department, but that she would put me on a list for them to call me. On XX/XX/XXXX the Collections department called me and i again explained the situation and the lady was very nice about it and said she had never seen anyone ask for a date to be corrected. She wasn't sure how to correct it but she said she would find out because she agreed the date was wrong. And now 3 weeks later the date is still wrong. If necessary i have pdf print outs and emails from all the disputes, and showing the original collection by XXXX and the second collection by Waypoint. Thank you for your time reading my issue.
Consumer complaint received 2020-06-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC. (CT)

I was targeted by mail and applied online through Citizens Bank 's website for a checking and a savings account with {$600.00} bonus last XXXX. It took them until XX/XX/2020 to get back to me and ask me for identification materials. They approved my application on XX/XX/2020. I met all the requirements, but they are not honoring the bonus, claiming that my account was opened on XX/XX/XXXX, and the offer had already expired on XX/XX/XXXX. 

1 ) I applied when the offer was valid, and the delay was due to Citizens Bank 's slow processing. 
2 ) I was contacted for additional material but was not informed that the offer was going to expire on XX/XX/XXXX before my account would be opened.
Consumer complaint received 2022-09-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (SC)

On XX/XX/XXXX, I contacted Edfinancial to request a refund of payments made during the Covid pause under the CARES Act, as I am now eligible for PSLF forgiveness. The payments to be refunded total {$5700.00}. There is also a deadline for the PSLF waiver application of XX/XX/XXXX. 

The representative said that it would take 150 business days (! ) for this to reflect on my account. WHAT?!? So I have to wait until 1 ) After waiver eligibility expires and 2 ) interest to begin accruing again for me to see this refund? This has to be a scam at this point.
Consumer complaint received 2022-09-01
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: AMERICAN EXPRESS COMPANY (CA)

Contacted XXXX to have them remove American Express negative item from credit report. 
Investigation took a month. 
They reported back saying the creditor refused for the item to be removed even though there is a court order of dismissal
Consumer complaint received 2022-09-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have tried to get inquiries removed from my credit report as a result from identity fraud. I also has asked TransUnion to update my address and my employers as follows : Addresses that need to be removed : XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX Employers that need to be removed : XXXX XXXX XXXX XXXXXXXX This is not my account please remove Acct No. XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Hard Inquiries that need to be removed. 

XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX
Consumer complaint received 2019-01-30
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (GA)

When I graduated from XXXX  school in XX/XX/XXXX, I had accrued {$93000.00} in student loan debt ( combined federal and private, both serviced by Navient until XX/XX/XXXX, which is when my federal loans went to XXXX XXXX ). From XX/XX/XXXX to XX/XX/XXXX, I was a XXXX XXXX XXXX serving abroad. As XXXX  don't make money, I contacted Navient for help. They told me XXXX  aren't eligible for any kind of loan deferment, but I could go on an IBR plan that would be {$0.00} given my income of {$0.00}. I tried to do just that. I uploaded the proof of service to Navient 's website over and over again. I called them over and over again and they tell me the same thing : upload this public service form and everything will get sorted out. Finally, I figured out that I was egregiously behind on payments because of how long this was taking. I call them again and they tell me ( FINALLY ) that they actually need a pay stub to prove my current XXXX  service. I explain that XXXX  do not get pay stubs because we do not get paid. Period. They then told me my only option was forbearance. I went into forbearance for over two years. To give you an idea of the catastrophic damage this has done to my life, let me show you these numbers : I borrowed about {$93000.00}, I have since paid back over {$32000.00}, and now I currently owe over {$100000.00}. Navient put me in this hole on purpose. 

When I returned and got a job with the XXXX XXXX in XX/XX/XXXX, I had my federal loans go to XXXX XXXX, but my problems with Navient continue. My private loans are still serviced by them and they have been playing dirty business tactics. I submitted two payments to Navient in XX/XX/XXXX ( despite being a XXXX  XXXX XXXX   at the time ). I got confirmation emails that both payments were received. My online account on Navient 's website says both payments were received. It still says that right now. But today I got a call from Navient saying those payments didn't work and now I had late fees associated with it. This is dirty, dirty, dirty. I sent screenshots to Navient showing that my account with them says the payments went through, but they maintain that I should have figured out that their website is garbage.
Consumer complaint received 2017-06-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (KY)

FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. SW Credit Systems L.P has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send statements. Send my actual signature on a contract. As this debt is Not mine. <P/>Sent XXXX, XXXX, and XXXX a notarized affidavit signed by the bank. Requesting to be provided proof I consented to the inquiries via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately.XXXX, XXXX, and XXXX has refused to provide the proof under the FCRA section 609, 605 as well as the accuracy via FCRA section 623.