davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AR)

COLLECTOR ONCE AGAIN VIOLATING ALL ONSUMER PROTECTION LAWS, ESPECIALLY : " THE DODD FRANK WALL STREET REFORM AND CONSUMER PROTECTION ACT ''. TITLE X FOR LAST TIME. WE ARE PREPAING CLASS ACTION EFFORTS SHOULD YOU FAIL TP PAY US {$100.00}, XXXX IN DAMAGES TO XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX-XXXX, XXXX XXXX, XXXX XXXX AND XXXX XXXX   WITH IN 10 DAYS.
Consumer complaint received 2019-01-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

There's unauthorized inquires on my credit report inwhich I have absolutely any knowledge of, and with that said I'm requesting physical documentation of these inquires. The following inquiries are ( 1 ) XXXX XXXX XXXX on XX/XX/XXXX ( 2 ) XXXX XXXX on XX/XX/XXXX, ( 3 ) XXXX XXXX XXXX, XX/XX/XXXX ( 4 ) XXXX XXXX XXXX ( 5 ) XXXX
Consumer complaint received 2020-09-24
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Conduent Incorporated (MS)

I have numerous fraudulent charges on my child support account. The fraudulent charges in the month of XXXX have taken all the money that was deposited. I have called Eppicard customer service 6 days in a row, all this past week, to speak to someone regarding these charges. No one ever answers the phone. Since I have reported my card stolen, it has been deactivated and now I can not even access the phone assistance to try and speak to a human. I am missing $ XXXX out of my son 's child support and no one will answer a phone to help me. This is the worst customer service, especially on a financial side, that I have ever had to deal with. It is unacceptable. If they don't have enough people to man the phone lines, they should provide an email address or form to fill out.
Consumer complaint received 2019-01-21
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. (MO)

There's unauthorized inquires on my credit report inwhich I have absolutely any knowledge of, and with that said I'm requesting physical documentation of these inquires. The following inquiries are ( 1 )  XXXX XXXX XXXX on XX/XX/XXXX ( 2 ) XXXX XXXX on XX/XX/XXXX, ( 3 ) XXXX XXXX XX/XX/XXXX, XX/XX/XXXX ( 4 ) XXXX XXXX XXXX ( 5 ) XXXX
Consumer complaint received 2019-01-21
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC (IL)

This company is reporting this incorrect debt under two different company names using same address out of XXXX fl. XXXX XXXX and XXXX XXXX. They are also reporting the account is less than a year old under XXXX XXXX  and 3 years old under XXXX XXXX. The original account was with XXXX more than 15 yrs ago when XXXX  bought XXXX. The account has been closed more than 7yrs because of charges by XXXX that were incorrect which lead to the termination of relationship with XXXX.
Consumer complaint received 2023-08-17
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. (DC)

On XX/XX/XXXX, I entered a contract with restaurant XXXX XXXX XXXX and paid a {$150.00} fee to reserve a private dining room for an event on XX/XX/XXXX. The contract stated that I would charge {$250.00} if I cancelled the event. One half of the restaurant was closed for reservations, but I was told that there would be options between a private room at in the wine bar ( which was open ) or in the new private room ( in the part that was being renovated ). 

A few days before the event, the event planner mentioned by email that the private room would not be available, but that a private area would be created for us on the back patio. On the day of the event, we were not provided with any private dining area- we were seated in a general dining area next to two other tables. The restaurant refused to refund the private dining room reservation fee even though a private dining room was not provided. 

I opened a dispute with Chase on XX/XX/XXXX. I spoke to Chase over the phone on XX/XX/XXXX, and uploaded documents as requested on XX/XX/XXXX. On XX/XX/XXXX, Chase denied my dispute.
Consumer complaint received 2018-09-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO. (FL)

I had an issue paying my bill and in XX/XX/2017 I contacted them and they offered a 3 month fixed payment plan. What they failed to tell me was that this would be listed in my credit report as a missed payment on XXXX - XX/XX/2017. If I was notified of this I would have never have taken the option, I would have just paid as I always have. 

I contacted Chase bank and they investigated, however they called me back and told me that the recording of the conversation no longer exists and as a result they would not remove the report on my credit. I feel this is extremely unfair and as stated I would never have agreed to the plan if I was informed of this.
Consumer complaint received 2022-03-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL (NJ)

On the morning of XX/XX/22, I received an email from Credit Karma informing me that my TJ Maxx bill ( managed by Synchrony Bank XXXX had gone derogatory and was 60 days late. That same day, I received a notice in the mail from Synchrony bank dated XX/XX/22 saying that, " We recently attempted to notify you that your electronic TJX Rewards Platinum Mastercard statement was ready to view, but the email was returned. '' This was the first time I was made aware that I had a balance due of {$89.00} in XXXX. I have never been late on a payment on this account and I have not changed my email, mailing address or phone number within the last 12 months. 

Additionally, there were no phone calls or text attempts made letting me know my payment was originally due or when it became late. 

This has now significantly affected my credit score and I am extremely concerned by Synchrony 's business practices. According to the Card Act, a payment can not be considered late unless the statement was mailed or delivered to the customer at least 21 days before the due date. If Synchrony was unable to deliver the statement via email, I would of expected to receive the statement via mail or a phone call to ensure they meet this section of the Card Act. 

After speaking to Synchrony Bank last night to notify them of this situation, Customer Service was unable to confirm if any attempts were made to let me know that the payment was due.
Consumer complaint received 2019-01-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Source Receivables Management LLC (TX)

This is my 3rd complaint against this company on same issue, the account is part of Identify Theft. 
Previous complaint XXXX was closed when CFPB received company response on XX/XX/2018 where company indicated that " I have attached notes from XXXX system as to how XXXX concluded this account does in fact belong to XXXX XXXX '' but there is not any note attached from XXXX 's system. 

Please review the company 's response to complaint XXXX on XX/XX/2018 and see how this company has been misleading all of us. 

I request Source Receivable to provide a complete details on this account when it was open, including a copy of the identification provided when account was open, how and where this account was opened, how they have come up with the amount they have claimed.
Consumer complaint received 2019-01-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mercedes Benz Financial Services (TX)

A complaint was filed on XX/XX/2018 regarding the same issue ( XXXX ) and a couple of day later I received a call from this company representative telling me that she was not able to locate any accounts under my social security or name owing {$5.00} and she was going to take care of the matter for my credit report but as of today it is still showing on my credit report. 
On XX/XX/2018, I went ahead and sent MBFS a money order in the amount of {$5.00} and hoped that they will fix the credit reporting. MBFS received the money order and it was cashed but my credit reporting still show {$5.00} balance keep adding late every month. 

A copy of the money order along with Certified Mail Receipt is attached. 

How could CFPB not punish a fraud company like MBFS?
Consumer complaint received 2018-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (MD)

I have recently changed my name and there has been some issues with a mortgage loan provider being able to access my full credit history. 

The have asked me to contact the credit bureaus and give them updated information, I am able to call XXXX and XXXX to get the information required to update my information. However Experian does not have any way for me to contact them. 

I have tried calling their multiple phone lines and none of them will connect you to a real person who can assist with my issue. 

Essentially they have cut themselves off from the world and I need this resolved ASAP. 

Thank You.
Consumer complaint received 2019-01-21
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 (CA)

I applied ( and was approved ) for the American Express Delta SkyMiles Blue Credit Card around XX/XX/2018. At that time, the sign-up bonus marketed online included XXXX SkyMiles after spending {$500.00} in the first three months, as well as {$50.00} statement credits for XXXX rides every month for the first six months. I called American Express on XX/XX/XXXX and filed a claim regarding this issue ; I never heard back. I then tried calling again on XX/XX/2018. The representative told me that the claim was found to be in my favor and that I should receive the sign-up bonus when my statement closed. I called back XXXX after the points were not transferred, and was told by the representative that they should be credited in XXXX after my XXXX billing cycle closed ; they were not credited. I then called American Express on XX/XX/XXXX to inquire on the status of the sign-up bonus ; the XXXX Skymiles were credited to my Delta SkyMiles account, but I did not receive the statement credits. I called again on XX/XX/XXXX, and they had no answer for me other than to wait 2-4 weeks for further investigation. I should be credited {$300.00} ( it's been about 6 billing cycles, and I've spent well over {$50.00} on XXXX rides each statement ). I have attached a screenshot of the website promoting the signup bonus, from the time I applied for the card.
Consumer complaint received 2022-03-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION (FL)

I closed my account on XX/XX/XXXX at the Truist Branch on XXXX XXXX XXXX. XXXX XXXX XXXX. The account was closed due to a breach whereby my accounts were compromised. At the time of closing the branch did not tell me that I would not have access to the account. Surprising enough the breached accounts for at least XXXX months I had access to. Again, nothing was told to me in writing or verbally. I have closed other accounts in the past with other institutions and they email me or verbally communicate access rules. Besides calling and not getting through on multiple occasions, I finally spoke to a XXXX XXXX XX/XX/XXXX at the bank above about getting access on my accounts. She said I could only request statements and they would charge me for all of them. This is not acceptable ; I was a SunTrust customer for many years. Infact XXXX of my accounts is XXXX of their oldest accounts. I need some help getting my records without being charged since I was never told I would not have access. Additionally, I suggested to XXXX XXXX that maybe they could just give me a computer print-out of my detail. No!
Consumer complaint received 2018-02-26
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (VA)

I am writing as a victim of the XX/XX/XXXX XXXX  security breach. I have been attempting to validate suspicious activity on my credit report since the breach in which my contact and personal info were leaked. In the process of doing this, I submitted two requests for debt validation ( first on XX/XX/XXXX and second on XX/XX/XXXX ) to XXXX XXXX XXXX and requested they only contact me by mail. 
The only response provided from the debt buyer were invoices and threats to litigate sent on XX/XX/XXXX and XX/XX/XXXX, they have been unable to provide me with the original contract, account history and other documents requested. 
Furthermore after speaking with the original creditor, it was brought to my attention this debt has been misrepresented. In violation of the Fair Debt Collection Practices Act, the collection agency has added charges and fees to the account and is falsely reporting new account activity such as payment delinquency. Also, in respect to Section 623 of the Fair Credit Reporting Act, furnishers must note delinquency within 90 days, list the same date of delinquency as the original creditor and notify consumers of negative listings within 30 days of reporting. All of these statues have been violated by XXXX XXXX XXXX regarding this account. I have submitted this complaint in attempts to have this debt verified and this account investigated.
Consumer complaint received 2023-08-17
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)

Experian has sold my information to other company with someone is using my credit with a different number ending in XXXX witch I never had a number ending in. That at All and information also someone has my information to where I have to switch out all my debit cards and bank account also going to places where I use my number it pops up as other people
Consumer complaint received 2019-09-16
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. (CA)

On or around XX/XX/19 I had sent a certified and notarized letter to XXXX which they had received and overviewed they continue to stick by that the typed in signature on the Promissory Note with my name stands as evidence that I'm responsible for the loan, I told them in a phone conversation ( which I have recorded ) that I contest that's not my signature and I'm not responsible for the electronic signature on the Promissory Note they say I'm responsible for, I then still requested that they send me a Promissory note with my wet-ink signature which they verbally said they do not have such a document and they will not send me a letter stating they do not have such a document. 

On XX/XX/19 I sent out a 2nd certified letter that included an Affidavit of Identity Theft including a Police report explaining the Promissory Note that was sent to me did not have my wet-ink signature and that I was not the person responsible for signing the electronic signature they claim I'm legally bound to, I continue to state I was not the individual responsible for signing the electronic signature, the agency has been notified that I have reported this to the FTC and were sent documents to prove this, they are still reporting to other credit reporting agencies this incorrect fraudulent information that's greatly impacting my creditworthiness in a negative way and also causing me great mental stress due to not being able to gain housing either it be leasing or buying.
Consumer complaint received 2019-09-16
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)

On or around XX/XX/19 I had sent a certified and notarized letter to XXXX which they had received and overviewed they continue to stick by that the typed in signature on the Promissory Note with my name stands as evidence that I'm responsible for the loan, I told them in a phone conversation ( which I have recorded ) that I contest that's not my signature and I'm not responsible for the electronic signature on the Promissory Note they say I'm responsible for, I then still requested that they send me a Promissory note with my wet-ink signature which they verbally said they do not have such a document and they will not send me a letter stating they do not have such a document.

On XX/XX/19 I sent out a 2nd certified letter that included an Affidavit of Identity Theft including a Police report explaining the Promissory Note that was sent to me did not have my wet-ink signature and that I was not the person responsible for signing the electronic signature they claim I'm legally bound to, I continue to state I was not the individual responsible for signing the electronic signature, the agency has been notified that I have reported this to the FTC and were sent documents to prove this, they are still reporting to other credit reporting agencies this incorrect fraudulent information that's greatly impacting my creditworthiness in a negative way and also causing me great mental stress due to not being able to gain housing either it be leasing or buying.
Consumer complaint received 2019-01-21
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. (CA)

On XX/XX/XXXX I paid {$27.00} for a certified letter to Equifax containing a signed and notarized document regarding the fraudulent/unauthorized information on my credit report. The certified documents were : signed and notarized, notary certificates and a federal trade commission identity theft affidavit. 
On XX/XX/XXXX I received confirmation that my certified packet was received by Equifax. 
On XX/XX/XXXX I paid {$29.00} to my credit monitoring website, XXXX to refresh all three credit reports to review. I noticed that said fraudulent accounts have not been removed by Equifax. 
On XX/XX/XXXX I resent another certified letter to Equifax containing a signed and notarized document regarding the fraudulent/unauthorized information on my credit report. The certified documents were : signed and notarized and a federal trade commission identity theft affidavit. 
On XX/XX/XXXX I requested a Fraud Alert on my credit reports to prevent any further damage by this type of activity. 
On XX/XX/XXXX I received confirmation that my certified packet was received by Equifax. 
On XX/XX/XXXX I paid {$29.00} to my credit monitoring website, XXXX to refresh all three credit reports to review. I noticed that said fraudulent accounts have not been removed by Equifax. 
On XX/XX/XXXX I resent another certified letter to Equifax containing a signed and notarized document regarding the fraudulent/unauthorized information on my credit report. The certified documents were : signed and notarized and a federal trade commission identity theft affidavit. 
On XX/XX/XXXX I received confirmation that my certified packet was received by Equifax. 
On XX/XX/XXXX I paid ANOTHER {$29.00} to my credit monitoring website, XXXX to refresh all three credit reports to review. I noticed that said fraudulent accounts have not been removed by Equifax. 
According to The Fair Credit Reporting Act, Section 611, the respective credit bureau has 30 days to investigate and remove the fraudulent account and not put it back on the consumers credit report. 
It has not been over 90 days since I sent the original certified letters to Equifax and the accounts have not been removed.
Consumer complaint received 2022-03-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERISAVE MORTGAGE CORPORATION (PA)

Late XX/XX/XXXX found out from my township that my XXXX property taxes were not paid and that XXXX XXXX would begin XX/XX/XXXX. Informed Amerisave Mortgage about issue and sent updated tax bills. on XX/XX/XXXX, received a confirmation back via email. Money is clearly available in Escrow account. I have not missed or been late on any mortgage payments. 

XX/XX/XXXX - Called Amerisave Mortgage to follow up. They said they had no record of receiving bills. Again, sent copies and received confirmation back via email. Was told is should be resolved by XX/XX/XXXX and an email would be sent when the issue was resolved. 

XX/XX/XXXX Followed up as taxes still not paid. Elevated to Supervisor, Escalation requested by supervisor. Was told to check back the following week. 

XX/XX/XXXX Followed up as taxes still not paid. Elevated to Supervisor, Escalation requested by supervisor. Will not transfer to Escalation or Tax or Escrow departments. ( no way to contact ) XX/XX/XXXX Followed up as taxes still not paid. Elevated to Supervisor, Escalation requested by supervisor. Will not transfer to Escalation or Tax or Escrow departments. ( no way to contact )
Consumer complaint received 2021-04-13
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC (NV)

I established an account using the XXXX XXXX app. This is a XXXX XXXX that allows you to purchase XXXX. Usually after you verify your identity and make a bank transfer, you can then buy XXXX. The funds are then available to withdraw or spend several days later. With most XXXX  exchanges this takes a few days or one week at the very most. 

On the XXXX app ( XXXX XXXX XXXX XXXX XXXX I deposited {$500.00} XXXX on XX/XX/XXXX. On XX/XX/XXXX I purchased XXXX for {$400.00} and XXXX XXXX for {$98.00}. I have tried repeatedly to withdraw these coins to my personal wallet since then. It has been one month. Every time I try to access the funds I see a pop up which says Pending Verification : your account is pending verification. Please check again later. 

I have sent support multiple requests for answers and have not received a reply.