davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (CA)

In regards to XXXX & Chase Card Services : Can someone tell me what's the point of having this company as travel insurance? From my understanding the point of travel insurance is to protect a travel purchase/investment from an unforeseen issue. Well if that's the case please ditch this company and find someone more reliable who will step in and actually pay you back your lost investment when things get messy or out of hand between other vendors and third parties.This is an absolute scam, a disservice to the customers they're supposedly serving, and puts the insurance industry in a more negative light than it already is in. 

I advised on XXXX / XXXX XXXX XXXX about a trip cancellation request in regards to a medical issue and proceeded as expected : I uploaded medical documents, made notations of my fare, and provided all necessary correspondence between the travel agent ( FlightsMojo ) and the common carrier ( SQ ). XXXX then suggested I reach out to both the airline and travel agent and request what documentation is needed. Both parties said differing statements and both can hardly speak a lick of English. And why am I reaching out? I'M LITERALLY DOING YOUR WORK FOR YOU. THIS IS YOUR JOB NOT MINE! 

The problem only got much worse when XXXX repeatedly asked for an updated medical document from my physician 's office to which I complied. And then they asked for an updated medical document with a fancy signature and a stamp ... and another one with nicer handwriting.. to the point where they were just beating around the bush to hope the situation drops. It's clear to see they  don't want to comply with the situation because they would be losing money on the ticket sale hence the repeated use of asking for new medical documentation. 

XXXX 's clause of " Did you attempt to reach out for refunds or credits? '' is an absolute joke because clearly I did and have provided the documents ad nauseum but the third party here is avoiding the situation to not lose their profit. This travel insurer should've stepped in and solved the issue directly by providing a refund for the airfare based on the travel agent 's reluctance to cooperate given the excessive requests. When the claims examiner makes useless statements like " ... after all sir we are just a secondary travel insurance provider and there's nothing we can really do '' is an insult equivalent to rubbing salt in the wound. Way to be more of the problem than the solution. 


If you have XXXX with your Visa XXXX or other travel based credit card please stay away from using this insurer. I was super optimistic about this perk with my Chase Sapphire Reserve but  now have found it to be absolutely worthless. I've heard the insurance on XXXX XXXX is better but I'll have to see for myself. This company is without a doubt useless and scammy and is in dire need a class action lawsuit against them.
Consumer complaint received 2019-10-18
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 — Their investigation did not fix an error on your report
Company: National Consumer Telecom & Utilities Exchange, Inc. (OR)

My name is XXXX XXXX and I work for XXXX XXXX, an identity theft protection service. Since XX/XX/2019, we have acted as Power Of Attorney for XXXX XXXX. 

XXXX is a victim of identity theft and one of the actions the identity thief took was opening a XXXX account on XX/XX/2019 under XXXXXXXX XXXX name and SSN. 

On XX/XX/2019, via a conference call to XXXX, XXXX and I made XXXX aware that the account was opened fraudulently in XXXX 's name. XXXX has since cleared the account as fraud on their end, and have provided ticket # XXXX as confirmation, yet the account and two associated inquiries are still showing on the National Consumer Telecom & Utilities Exchange. 

I sent a dispute to XXXX and the National Consumer Telecom & Utilities Exchange on XX/XX/2019 and then again on XX/XX/2019. In both cases I sent power of attorney, proof of address spanning many months, drivers license, W-2 as proof of social security number, police report, and FTC ID theft affidavit. These were mailed by the post office. I am attaching them to this Consumer Financial Protection Bureau complaint. 

On XX/XX/2019 XXXX left a VM for me confirming they received a complete fraud dispute packet and an investigation has started. 

Both disputes to the XXXX XXXX XXXX XXXX XXXX XXXX were replied to by simply sending me a credit report and confirming a fraud alert was added. The removal of the fraudulent XXXX records was not completed and no explanation was provided. 

On my second request, I advised it was my second request, and that if necessary, my third request would be sent to them through the Consumer Financial Protection Bureau. 

On XX/XX/2019 the XXXX XXXX XXXX XXXX XXXX XXXX sent another credit report and it still shows XXXX inquiries and a delinquent account with XXXX. 

These need to be removed as they are a result of fraud and I have provided all necessary documents to clear it as such, as early as XX/XX/2019. 

Both the XXXX XXXX XXXX XXXX XXXX XXXX and XXXX needs to review their fraud handling process.
Consumer complaint received 2019-10-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: MRS BPO, LLC (VA)

Hello. 

I received a collections letter from MRS BPO , LLC. regarding a {$840.00} debt owed to XXXX. I contacted XXXX resolutions team in addition to their collections team and this debt is unbeknownst to them. In addition I do not have a XXXX XXXX account. I explained this to MRS representative and she stated that I can call back in 2 weeks to see if XXXX has dismissed the account/bill. I became suspicious when she stated she could not provide me the telephone number or the any other demographic information that a collections agency should possess if they are legitimate in handling a legitimate account. In addition I never received delinquent pay notices or final notices from XXXX XXXX prior to account submittal to this so called collection agency. 

Here is the info : MRS BPO , LLC : XXXX XXXX XXXX, XXXX XXXX NJ, XXXX. 

This company is listed online for reviews as a scam. Shame on you!
Consumer complaint received 2021-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (LA)

I, XXXX XXXX am submitting this on my behalf and no third party is involved. 
I, XXXX XXXX have reached out to Equifax several times about having the wrong demographic information on my report. I've sent the correct documents proving my identification and yet my address is still incorrect. Equifax is intentionally not deleting the addresses I've requested for them to delete.
Consumer complaint received 2015-11-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

The medical bill owed does not belong XXXX. The debt is a hopital bill that belongs to XXXX Hospital. This bill was reported to, XXXX didffrent agencies meaning that I would have to pay double for XXXX bill that was reported twice.
Consumer complaint received 2019-08-03
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (GA)

Yesterday, XX/XX/XXXX, I created an online account with the Walmart   MoneyGram Service and requested a transfer of {$580.00} to a nephew in XXXX, XXXX. 

The money was to pay for the school fees and room and board of another nephew. 

I was given the standard transfer options along with their corresponding fees : cash pick, bank account deposit, payment by debit or credit card, or using a bank account. 

I opted to pay with a credit card and submitted the requested amount mentioned above. 

An automated message said to wait while the request was being processed. I was further informed that the process could take up to 30 minutes so I could log out and check back. Alternatively, I could simply wait for an email from MoneyGram that would tell me if the request was successfully processed or not. 

Because I have used the same service countless times over the years to send money to XXXX albeit usually in person from within a Walmart storeXXXX I did not think much of it. The transaction would be approved because the money is going to a recipient I have used on more than 25 occasions. 

To cut a long story short, I received the promised e-mail but it said the my transaction could not be completed. I therefore decided to resubmit it with XXXX XXXX because their service location was closer to me than the local Walmart store. Two hours later, an attempt to log into my account MoneyGram account proved unsuccessful. I received a message that said my request could not be processed. 

I did not think much about it because I thought the webpage was simply having problems. But when I tried three times again between XXXX and XXXX XXXX today XXXX XX/XX/XXXX ) and kept getting the same message, I decided to call XXXX and report the program. I thought it was strange that I should see the same message for almost 24 hours if you include the failed attempt from yesterday XXXX XX/XX/XXXX XXXX. 

It was during todays inquiry that I found out that I have been permanently banned from sending money through the Walmart MoneyGram Service. Shocked, I asked the lady I was speaking to what the reason was and she said such issues are not discussed over the phone. Apparently, MoneyGram will send me a letter in the mail later to explain their decision but I would like this Agency to oblige the company to disclose what exactly I did yesterday to warrant such a punishment. Was my crime the fact that I attempted to use their service online instead of going into a Walmart store as I usually do? Was it the fact that I opted to pay with a credit card instead of my debit card as usual? And if the answer to any of those questions is " yes, '' I would like to know why MoneyGram provides those options in their online service in the first place. If I violated any of their security protocols, I would like to know which one and why I never received any advanced warning about the problem I was about to cause. 

Thanks.
Consumer complaint received 2021-11-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Nelnet, Inc. (NV)

I have been receiving continuous harassing phone calls, voicemails, and emails from Nelnet. Prior to XXXX I was current on my loans services through Nelnet. I was enrolled in auto-debit and never missed a payment. Of course when XXXX hit all federal loans were paused through this year. Now that the loans are ( as of now ) supposed to be active again in 2022 Nelnet has been harassing me to start paying again. Whether or not the loans are due again next year does not matter, as it stands now the loans are currently paused by the administration. Nelnet should have no right to contact me, especially in a harassing way as they have been. I have uploaded proof to back up my complaint. Please contact me as soon as possible.
Consumer complaint received 2019-08-03
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. (CT)

XXXX XXXX card is only on my experian Report. It was disputed a long while back. Does not appear to be on any other report but experian. I have called and disputed this, I have mailed letters to experian with no resolve. Says fate opened XX/XX/XXXXand was updated after my dispute with experian as of XX/XX/XXXX.this is not my account and experian has never resolved this nor looked into gnus to show it belongs to me and experian will not dispute it nor have they tried. My credit report number is XXXX
Consumer complaint received 2019-08-04
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: TRANSWORLD SYSTEMS INC (GA)

This account has been reporting on my credit since XX/XX/2019. The amount is XXXX. I have sent several request for validation but they keep sending me a bill but not validating the account. It is affecting my score terribly and I would like for it to either be validated or removed.
Consumer complaint received 2019-10-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Atlanticus Services Corporation (NV)

I received a credit card statement from Fortiva dated XX/XX/2019. I write a note to them saying I do not have a credit card account with Fortiva. Stop billing me. They continued to send statements. Fortiva sent a collection notice dated XX/XX/2019. I prepared a Fraudulent Application Affidavit on XX/XX/2019 and faxed the document to them on XX/XX/2019. Fortiva sent the account to XXXX/ATLS/FORTIVA MC Account XXXX and they continue to collect on a credit card debt that I never applied for.
Consumer complaint received 2019-10-18
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: TD BANK US HOLDING COMPANY (GA)

Purchased car on XX/XX/2019 and was required to obtain financing with TD AUTO FINANCE. 

According to my XXXX Personal Credit Report, TD AUTO FINANCE performed an inquiry on my account on XX/XX/2019. 

Today, XX/XX/2019, I received notice from TD AUTO FINANCE my financing application was denied, as TB AUTO FINANCE was " unable to verify applicant information identity. '' TD AUTO FINANCE, however, was able to verify my identity in the above-referenced credit report and, in fact, the denial states TD AUTO FINANCE was able to verify my credit score on XX/XX/2019.
Consumer complaint received 2022-12-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently obtained a copy of my credit report and you are currently reporting debt to my credit report and as allowed under the Fair Debt Collection Practices Act, I am requesting that you allow me to validate the alleged debt. Please provide me with a breakdown of all charges, dates of service and procedures given including fees associated. 

Additionally, I am allowed under the XXXX law ( Health Insurance Portability and Accountability Act of 1996 ), to protect my privacy and medical records from third parties. I do not recall giving permission to release my medical information to a third party I am aware that the XXXX does allow for limited information about me but anything more is to only be revealed with the patients authorization, therefore my request is twofold and as follows ; Validation of Debt and HIPPA Authorization - Please provide a breakdown of fees including any collection costs and medical charges - Provide a copy of my signature with the provider of service to release my medical information to you Cease any credit bureau reporting until debt has been validated by me Please send this information to my mailing address listed above and accept this letter as my formal debt validation request, which I am allowed under the FDCPA. 
Please note that withholding the information you received from any medical provider in an attempt to be XXXX compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 

Additionally, and reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from your collection agency. I will await your reply with the above requested proof. Per the standard, you have XXXX  days in which to respond to this request, or this debt will be considered invalid, and removal from the credit bureaus expected or damages will be sought after. 

All accounts in dispute listed below : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-10-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/XXXX I received an Email from XXXX XXXX saying that my credit score had dropped. I was wondering what happened and called capital one. They said they had a returned payment on both my cards. At that moment I paid the full balance of both cards off they had just closed 6 days before. That being said I never got a call saying they were going to be closed and they were not delinquent or any notification and was always on time with payment. They closed my account saying there was fraud but there was no fraud. I paid the balance and in XX/XX/XXXX they said they would open up my accounts again. Then I was told give it 8-10 business days for a response. I called on XX/XX/XXXX and they said the report was just submitted on XX/XX/XXXX. And that it would be 8-10 business days till I get my response which would make it really 19-20 business days in all actuality. I am now stuck with a much lower credit score and unable to find a place to live. Capital one has been really disrespectful when I call in and has also been very bad when upholding the at good faith part of the agreement. When I call them they are aloud to record me for quality assurance but I can not record them because they would alter the recordings if we went to court. That being said I have been treated badly through this situation and they are nowhere near a resolution.
Consumer complaint received 2019-07-05
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: LeVasseur Dyer & Associates, PC (MI)

XXXX XXXX XXXX from LeVasseur Dyer Associates P.C is committing Mortgae Servicing Fraud by filing false affidavits to collect on unenforceable debt.
Consumer complaint received 2017-06-04
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (PA)

I applied for a  Wal-Mart c redit card through Synchrony Bank on or about  XXXX / XXXX / 2017 . The application was denied a nd one of t he reasons stated was that the  credit score o btained from  XXXX  was  XXXX . I visited the  XXXX   XXXX  site and paid {$20.00} for my score and it was  XXXX . That is a discrepancy of  XXXX  points. I immediately called  XXXX   XXXX  and they were unable to explain the discrepancy and indicated that the bank must have their own scoring system. Although this was not stated in the rejection letter. I find it curious that my husband recently applied for  a Lowe 's card  through the same bank and was approved seeing as we have been married for 23 years and hav e the same credit history. I e-mailed a complaint to Synchrony asking for an explanation as to the credit score discrepancy but have not received a reply. If the credit scores of the major credit bureaus are not actually use d by anyone I think consumers have a right to know that.
Consumer complaint received 2019-10-19
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: MONEY SOURCE, INC., THE (TX)

I submitted all of the required documents to The Money Source also known as TMS, in order to be considered for payment assistance options. TMS confirmed, they've received the documents but will not consider a review for payment options, I was advised by my service lender TMS to reach out to the VA in order for them to help postpone the foreclosure sale date of XX/XX/XXXX.  The servicer TMS, stated they are unable to help me unless the VA says the foreclosure sale can be postponed. 

I am requesting a Loan Modification from TMS. My name is XXXX XXXX XXXX, and I am retired XXXX Veteran. I was released from employment and have attempted numerous times to request assistance since the beginning of my unemployment hardship. I was verbally denied the ability to apply for any retention options since the beginning of my delinquency, and throughout the course of my unemployment hardship. I've now gained employment, and again began to request assistance but have been verbally denied the opportunity to apply for any payment assistance programs again. 

I am asking for TMS, the VA and CFBP to help request a foreclosure postponement for the reason that : 1. I have a VA loan.

2. My home has never been reviewed for any loss mitigation options in the past.

3. I've attempted to apply since day one of my h
ardship and through the course of my delinquency and have been verbally denied the ability to apply.

4. I do not want to end up homeless, as I have now recovered from my hardship and able to resume payments.

I am requesting assistance with the past due balance to bring the account current. TMS has the following documents attached.
Consumer complaint received 2021-04-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (GA)

I was notified that Synchrony closed my XXXX XXXX VISA credit account due to number of dishonored payments. This came to a surprise since this account has never experienced any fraud. 

On my PayPal Credit account, I experienced in XX/XX/XXXX ID theft. The perpetrator ran several attempts to access my bank account through ACH. I filed a claim with my bank ( credit union ) at the time. It was subsequently resolved, and my PayPal credit account was reinstated. I have diligently made payments throughout this process. 

After a recent review your bank terminated both accounts with XXXX score ramifications due to ID theft ( fraud ) and not my own personal mismanagement of my account. Much to my surprise not only has Synchrony Bank discontinued that credit account which had already been resolved, now I learn a totally unrelated account, XXXX XXXX Visa, is closed as well. All based on fraudulent transactions which you bank failed to prevent. 

I have Resubmitted dispute claim with my credit union, a copy of my account statement, PayPal statement and the two letters sent by Synchrony Bank for the PayPal and XXXX credit accounts. 

I am being penalized for ID theft. These account closures have violated me yet again. I have been a faithful and current customer for both accounts, yet here I am being penalized for their actions of last XXXX. 
Since I have been in good standings and acting in good faith the entire time, I would like both of the accounts reinstated so I can use and pay them accordingly. I would appreciate it if this could be resolved. I especially do not want adverse marks on my credit scores, due to fraudulent and deceitful actions by someone else. 

Called on both accounts only to be dismissed and told there is nothing for Synchrony to do, Simply put your account is closes - no resolution, I submitted formal complaints in writing and via fax and asked for restitution for both accounts since this resulted from ID theft and fraudulent misuse of y credit account. 

I am being violated yet again for the original fraudulent acts in XXXX of XXXX