davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-18
Product: Credit card or prepaid card — General-purpose credit card or charge 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: JPMORGAN CHASE & CO. (CO)

I disputed a charge of {$7700.00} to my Chase Bank freedom unlimited account. The subject charge was posted to my account on XX/XX/XXXX. The charge is for a cruise purchased from XXXX, the cruise provider. The cruise date is XX/XX/XXXX. On XX/XX/XXXX, XXXX informed me through my travel agent that XXXX was suspending all operations and was cancelling the purchased cruise. XXXX is currently in the process of liquidating all its assets. Therefore, the purchased services have not and will not be provided by XXXX and in turn will not be received by the undersigned as the purchaser and cardholder/obligor. 

I filed a telephonic dispute with Chase/Visa on or about XX/XX/XXXX. I have since been informed by Chase/Visa that that my request for a credit would be denied because the dispute was not timely filed in accordance with Chases filing deadlines given the date of the original charge in XXXX. 

As I informed Chase/Visa , the purchased cruise services were rescheduled from XXXX to XXXX due to Covid restrictions and related scheduling complications. The cruise was formally rescheduled to XX/XX/XXXX from XXXX of XXXX. Clearly, the basis for the dispute did not arise until I received notice of cancellation from the cruise provider on XX/XX/XXXX that it was suspending all services. As indicated above, XXXX, the cruise operator, is no longer operational and is liquidating all assets. Therefore, a dispute of this nature could not be filed until notice of the cancellation was received from XXXX, after which time the dispute was timely filed. 

Under the Fair Credit Billing Act ( FCBA ) 15 U.S.C. Chapter 41, it is generally a customers responsibility to file a claim within 60 days following the statement containing the disputed transaction as provided for under the FCBA, and the general time frame allowed for chargebacks under the XXXX chargeback guide is 120 days from the transaction date. However, when the merchant is bankrupt, that time frame is generally extended to 120 days from the expected date of service. In this case, the expected date of service is XX/XX/XXXX, so the filing of the subject dispute is timely. 

Given the above, I am requesting that Chase/Visa take prompt action to credit my Chase account in the amount of {$7700.00} to refund the full purchase price of the canceled cruise services.
Consumer complaint received 2022-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (GA)

Synchrony/Care Credit is a paid account. They have not updated the account as a XXXX balance to any of the credit bureaus. The representative stated I had to call on XX/XX/2022 to have it manually reported to the bureas. XXXX XXXX does not report the account as a XXXX balance themselves. 

I explained to the representative, on XX/XX/2022, when the account was initially paid, that I am trying to get a home loan. The money was paid from my debit card, I received a confirmation number, and the money was debited within minutes of my authorization. 

I explained time was of the essence. I am a recent widow and XXXX XXXX. The representative promised me the balance would be reported immediately, given my circumstances. It appears that the promise was a false statement and that the company representative was making promises just to get a payment from me. 

I called again on XX/XX/2022. The representative informed me I have to wait a 21 day XXXX  waiting period and will not receive a letter that it is a zero balance until after that time. I explained about applying for a home loan and what the other representative stated, that the zero balance would be reported immediately and I would receive a letter confirming payment. 

The company misrepresented the facts to me. Interest rates are going up, and the company is costing me thousands of dollars. Given that I am a recent widow, and a recent XXXX XXXX, I would have hoped Synchrony/Care Credit would have had compassion for my case, and not misrepresent their payment arrangements. 

Synchrony/CareCredit also stated it was my responsbility to call them and request the zero balance be reported. This should be something the company automatically, as part of the reporting process.
Consumer complaint received 2022-03-18
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)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-03-18
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

There are late payments in my account that were not updated. For almost a year now, i have been writing to the bureaus about this but i never received any reaction,
Consumer complaint received 2022-03-18
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (TN)

Received foreclosure notice for my property because of late association dues. 
My current mortgage servicer as of XX/XX/2021 is Carrington Mortgage. The foreclosure letter showed XXXX XXXX the previous mortgage servicer on the letter. I have forwarded the information to Carrington Mortgage who is my current mortgage servicer. my current mortgage servicer. Spoke with Carrington Customer service XXXX, requested Homeowner Association delinquent dues be paid out of escrow and they put me on a 5year repayment plan. XXXX stated there was not any hing they could do.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts/inquiries in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. These accounts/inquiries are unknown to me. Also, the information you provided on some accounts/inquiries are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts/inquiries are a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 
Inaccurate Names : XXXX, XXXX, P XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inaccurate Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; ACCOUNT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX ; Inaccurate Addresses : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ; Accounts : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX ; INQUIRIES : XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Date XX/XX/XXXX, XXXXXXXX XXXX XXXX Inquiry Date XX/XX/XXXXXXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, CERTIFIED CREDIT REPOR Inquiry Date XX/XX/XXXX.
Consumer complaint received 2023-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.
Consumer complaint received 2019-08-08
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 ; XXXX and XXXX are reporting incorrectly a collection in the amount of {$3000.00} on XXXX XXXX XXXX partial account number XXXX. ( Please see page 3 of the attached credit report. ) This account was settled and paid in full on XX/XX/2016. ( Please see the attached letter dated XX/XX/2016 from XXXX XXXX XXXX , XXXX. ) This incorrect reporting of a collection is harming my credit score and these line items need to be deleted from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have not been successful.
Consumer complaint received 2022-03-18
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. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXXXXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXXd now
Consumer complaint received 2024-04-05
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Yamaha Motor Finance Corporation USA (NY)

I called my credit card company back on XX/XX/24 & asked for a complete payoff amount on my balance & was given one. I immediately paid that stated balance and assumed that was the end of it. A couple of weeks later I received my lien release on the item I had a balance for along with a payoff statement showing a {$0.00} balance. Today ( XX/XX/24 ) I received another mailing from them which turned out to be a billing statement for the amount of {$0.00} ( XXXX cents! ). I of course called the company to find out what was going on as I already had my lien release with the payoff statement & never used the card again. I thought maybe I had to pay just to have the card on my person but that wasn't the case, so I asked them if it was interest ( on a XXXX balance ) & was told that wasn't it, and it also wasn't any fees. They turned around & told me that I owed the XXXX cents ( {$0.00} ) on my account still ; over 1.5 months later! So, I asked them in no uncertain terms how it is I had a lien release with a payoff showing a {$0.00} balance & all they would do is try to pawn it off as what I owed. Totally wrong so I requested to close the account & they again tried to get me to pay the XXXX cents! I declined & told them to close it with the XXXX cents removed & to reflect that it was closed by the customer & not them. I received no explanation as to how that {$0.00} got back on my account & why I would have a lien release if I still owed $ $ $ on the account! I did get threatened to be hung up on if I kept complaining about it too! So, I had to coddled them to get them to do what never should've had to be done in the first place! They claim a mailing will be sent within 3 to 5 business days, but I won't hold my breath on that & fully expect another round of fighting to happen before it's all said & done! I hope not!
Consumer complaint received 2022-03-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (CO)

I deposited a check issued to my sister in law..she properly endorsed the check to me and I deposited it into my chase checking account. Chase put a hold on the funds for 14 days. They then contacted me and said they were closing my account. I called them back and spoke with a person in their check fraud department I believe explain the situation that it was my sister-in-law 's check that I knew her had known her for many years she's related to me. They told me they're treating is a third party check. My question is why would they decide to close my account rather than just not deposit the check if they had a problem with it I have deposited over {$100000.00} in this account since opening it and they never had a problem with anything before. I contacted them gave them the information they asked me for and they still have a freeze on my account the check is cleared there is no problem with it but they're going to close my account and won't let me have access to my funds.
Consumer complaint received 2022-03-18
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: CITIBANK, N.A. (LA)

Something that has happened to me makes me realize what can go wrong with Buy Now, Pay Later ( BNPL ) credit products : I am getting billed {$1800.00} for a fridge I do not have and there is no central point of responsibility in these BNPL schemes to fix the problem. 

I purchased a fridge from XXXX. XXXX on a BNPL scheme. I even bought the extended warranty. 

The fridge came with a broken cooling mechanism and could not get below 75 degrees. So, I invoked the warranty and found out I was really dealing with Summit Appliance because that is who made the model of the fridge I purchased. So far, so good. 

The fridge could not be repaired and so XXXX said they would process my claim for a full refund. I have that in writing. I never heard anything more from XXXX. XXXX or XXXX although I did call to confirm that my debt was erased. 

But now, I went to purchase a home and, like many Americans, find that BrandSource, which is the BNPL third party payment merchant, says I owe the full amount for the fridge. BrandSource is owned by Citi. Before taking up the matter with the credit reporting bureaus, I went to BrandSource and explained why I do not owe the charge and frankly, am surprised I even still have an account with them at all. 

BrandSource and Citi would not let me forward them the email trail where I have in writing that my debt was forgiven by XXXX  XXXX. Instead of a low-cost email paper trail, they want me to print or fax my emails. Fax? I dont have a printer either. BrandSource also said the dispute could take 6-9 months to resolve by Citi, all the while it is on my credit report and could mean hundreds or thousands of more over the life of a home loan. 

I kept pressing over the course of many frustrating phone calls ( and you can not call Citis resolution department or BrandSources consumer payment department directly, let alone try to communicate with both parts of the company at the same time ). Finally, BrandSource ( Citi ) told me that they can not resolve the dispute at all because they do not have the records from XXXX. XXXX and that they consider my case closed. 

So, me, a consumer, is stuck trying to resolve a business-to-business records problem involving XXXX. XXXX, XXXX XXXX, BrandSource, and Citi. 

I am not empowered to resolve the problems in their business-to-business relationships and the peons they employ at customer service are not really empowered either. 

But Im still getting an {$1800.00} bill for a fridge which I do not have as well as a further unknown but potentially more costly hit on my credit reportId also like to buy a car My experience demonstrates the danger of getting that credit from a BNPL relationship because there is no central point of responsibility to the consumer if the goods are never delivered as promised.
Consumer complaint received 2023-09-23
Product: Credit reporting 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. (HI)

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-03-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SN SERVICING CORPORATION (CA)

Due to a unfortunate event of COVID-19, We were granted 6 moths of forbearance from XX/XX/XXXX to XX/XX/XXXX, I was told by employee of ( XXXX XXXX XXXX ) after that i can submit doc to differed the un paid mortgage, in XXXX of XXXX i submitted the request and income verification but no answer, I calld them in XX/XX/XXXX as the status of my case, i was told they transfer the loan to new servicer ( XXXX XXXX ), i called the new servicer i was told it takes 2 months for them to get the documents from ( XXXX XXXX XXXX ) no answer for 3 months always losing or wanting more paper work, and since XXXX of XXXX they will not take my regular payments, I was told by XXXX XXXX they have NOD on the system and will not accept any payment, no NOD was recorded and i did not have any notice send to me by them, i asked them send me any document, they did not.i asked them what happened to package application for loo mitigation no answer from them just we just transfer you loan to new servicer, SN SERVICING CORP XXXX XX/XX/XXXX, I contacted SN serving corp they have assigned me to a case manager after several attempt finally got hold of her, I WAS TOLD WE ARE NOT PART OF ANY COVID PROGRAM YOU NEED TO PAY ALL THE MOMEY U OWE, They play a game than you owe alot and they would not help and they foreclose. 
I ASKED HER IF I SEND HER NEW PAPER WORK ( LOAN ) PACKAGE WILL THAT HELP?, I TRIED TO MAKE MY PAYMENT SINCE XX/XX/XXXX SHE REPLIED THAT WILL NOT HELP, YOU WILL LOSE YOUR 2 % FIX RATE FOR LIFE OF THE LOAN YOU have, AND YOU MAY GET4.75 % AND BIG DOWN PAYMENT.I asked her to send me loss mitigation on XXXX and today is XXXX, for past 10 days i tried to get hold of her leaving voice mail nothing is happening, I called today XXXX i was told she is in the office and as usual she was not in the office, another asset manager said she will e mail her and SHE WILL BE IN THE OFFICE MONDAY XXXX Am a veteran of XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  at XXXX, XXXX  XXXX and XXXX XXXX XXXXXXXX XXXX This loan was fraud from inception 1 month mta with negative amortization i was employee of XXXX when this loan was made, in XXXX i know all about it. Me and my family are going throw bad time for thinking of what is going on, specially we are capable to make our payments .all i tried is to make my payment after XXXX  months of help with forbearance, I wish i never accepted that help. on behalf om me and my family greatly appreciate your attention .Best wishes
Consumer complaint received 2019-07-11
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: BMW Financial Services NA, LLC (CA)

I leased a car from BMW financial services. The lease is for XXXX miles. After XXXX miles the breaks broke. Now they want me to cover the expense. I am particularly frustrated with their strategy to refuse responsibility and move my complaint from department to department.
Consumer complaint received 2022-03-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Velocity Portfolio Group (TX)

I am XXXX XXXX and I'm submitting this complaint myself and THERE IS NO THIRD PARTY INVOLVED. 

I, XXXX XXXX, consumer, natural person, and the original creditor of an open-end credit plan, am a victim of identity theft pursuant to 15 USC 1681a ( Q ) ( 3 ) under the FCRA. I have filed an identity theft report pursuant to 15 USC 1681a ( Q ) ( 4 ). VELOCITY INVESTMENTS , LLC d/b/a CKS PRIME INVESTMENTS , LLC has parked an alleged owed debt, Account Number : XXXX, on my consumer report pursuant to 15 USC 1692d ( 4 ) and this is an invasion of my privacy. Just an FYI : I understand pursuant to 15 USC 1681c-2 ( c ) I understand that you may decline to block or may rescind any block but be warned that declining to block the following information that resulted in identity theft without providing me with my written authority of it to be furnished in the first place will constitute as Aggravated Identity Theft pursuant to 18 U.S. Code 1028A. Aggravated Identity theft carries a criminal liability of up to 2 years imprisonment. I assure you the information that I am presenting to you was not blocked in error. If you believe that I obtained possession of goods and services, I need a senior Executive member of this company to put it on an affidavit signed under the penalty of perjury notarized.
Consumer complaint received 2022-03-18
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MS)

I am XXXX that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.