davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-14
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO. (CA)

My wife purchased a leather jacket in XXXX, XXXX. She was not charged the value added tax ( VAT ), but was given a form to take to the customs desk at our departure from XXXX airport on the day of our departure. She told my wife that if we did not take the form as directed our credit card would be charged the VAT tax. We did as directed, and left XXXX. On returning, a subsequent credit card statement from Chase included the VAT charge, with the 'merchant ' listed as TAX REFUND DENIED. When I called Chase, the person I spoke with had no idea what it meant. I told her I was pretty sure it was related to the VAT. I of course disputed the charge, as we had complied with the merchant and filed the form with the customs desk. I have gone back and forth with Chase several times since my first call asking about the charge. I have been told by XXXX different Chase representatives ( XXXX a supervisor ) that Chase policy was to not dispute VAT charges. I was told I would have to deal with the merchant ; however, Chase has failed to identify what merchant placed the charge on my card, nor has Chase informed me as to what authority the un-named merchant had to place the charge on my card ( it is {$110.00} ). Chase has sent me a letter stating in writing that it is something I need to take up with the merchant ( the one that Chase has not identified ). I told Chase that my dispute at this point is not with the unidentified merchant, but with Chase for allowing an unauthorized and bogus charge to be placed on my credit card, and then refusing to remove it when disputed by me. I have also pointed out the misinformation and confusing information I have been given by Chase during phone calls with Chase representatives. I am still pursuing the matter with Chase, but wonder how it can honor a charge that is not only bogus, but then inform me the issue is between me and the merchant, as though Chase is simply an innocent bystander.
Consumer complaint received 2017-11-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ad Astra Recovery Services Inc (CA)

I sent in documentation to this company to dispute The start it included a copy of a police report and the federal identity theft affidavit I sent this to the company in XXXX of this year XXXX of this year XXXX of this year. Each time they respond that they believe the data is mine and they wont remove it from my credit report and they still reported on my credit report
Consumer complaint received 2017-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (VA)

Voluntarily offered collection company {$500.00} to settle acct. Accepted. Stated would remove from credit hx. Remained on credit report as paid in settlement. Disputed XX/XX/XXXX as I was expecting acct to be deleted from my credit report. Scheduled to be removed 7 years after original loss, report would expire off my credit hx in XX/XX/XXXX. By requesting removal of report, Experian updated, as below, and now my report will show as bad collections ( Paid in settlement ) until XX/XX/XXXX. That 's what you get for trying to resolve the situation. 

Status : Paid in settlement. 

Status Details : This account is scheduled to continue on record until XX/XX/XXXX. 
This item was updated from our processing of your dispute in XX/XX/XXXX.

Date Opened : XX/XX/XXXX Reported Since : XX/XX/XXXX Date of Status : XX/XX/XXXX Last Reported : XX/XX/XXXX
Consumer complaint received 2017-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (CA)

Me and my son went to do our oil change in the XXXX dealers, and we were invited to see the new cars without any process and we said that we only want to look and check the prices, and the manager give us the price but for us it was too high and that we were okay with the car that we bought from them and we dint give any personal and we dint gave permission to record our credit, we dint sign any documents either. Couple days later me and my son got a letter saying that where they said they declined the credit we ask by 3 difference companies ruin our good credit score. we never ask to refinance any car only to look at the cars, were we feel they stole from us running our credit without permission and take out our information from our previous car we buy from them. we went to talk with the manager and he told us he was gon na fix it by certain day, that day has past and nothing have been fix. We try to fix it our self by calling the 3 companies, but each time we call they send us directly to their website and in their website tell us to contact by phone and repeating the same process. that 's why we are making this complaint cause the XXXX or the 3 companies are not fixing until today. i hope I 'm being attend as soon as possible. Thank You
Consumer complaint received 2017-11-23
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: DISCOVER BANK (OR)

On dates approx XX/XX/XXXX I was locked out of my online access by Discover Card services. This continued for 3-4 weeks and they refused to talk to me over the phone regarding my account. When I was allowed to log into my account by Discover Card I learned during the time they blocked me from my account fraudulent charges have occurred on XX/XX/XXXX for {$1500.00} & {$430.00} from XXXX XXXX while my card was not in my possession. They failed to properly monitor my account while ignoring my security concerns about not being able to access my account and my wallet with my cards where stolen. I filed a police report with the sheriff on XX/XX/XXXX. I the gave XXXX the police report number. It has been almost 1 year and I have been stone walled by all the representative and they have passed me off to coworkers saying the are supervisors while they are not. No chance getting someone real with authority to resolve this internally. They are holding my credit report and score hostage by making me pay these fraudulent charges even as of XX/XX/XXXX. So far I am out {$7500.00} as of XX/XX/XXXX. 
According to The Fair Credit Billing Act ( FCBA ) which is the Federal law that protects me in this situation I would like a resolution according to the FCBA.
Consumer complaint received 2021-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Mr. Cooper Group Inc. (PA)

The reason why I'm writing this letter is because my mortgage company reported that I was late a month for my payments but during the pandemic, I was able to get assistance with XX/XX/XXXXXX/XX/XXXXXXXX XXXX XXXX for the month of XXXX, XXXX and XX/XX/2019. I spoke several times during the month of XXXX and XXXX to the mortgage company about the assistance from XXXX that they are going to process the payments so I don't get charged a late fee or be reported, they repeatedly said that they won't do so, they never mentioned anything about reporting me or anything in that matter the XXXX mad the payments for on XX/XX/XXXX for the three months.my credit score has been above 7 for many years, my credit score is XXXX today, I have been working all my life on keeping a really good credit score. when I reached out to my mortgage company about it recently when I discovered that they reported me and my credit score took a hit. they said that the person who I spoke with should havetold me that you won't be reported to the agency and you can dispute it if you want but meanwhile I'm trying to apply for a loan and with this score, it's not easy to get a decent loan. the mortgage company is Mr cooper
Consumer complaint received 2018-06-08
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: CITIBANK, N.A. (CA)

Hello, I'm providing a statement letter attached for my dispute against the merchant " XXXX - XXXX XXXX XXXX CA '' for {$990.00} on XX/XX/2018 on the card ending in XXXX. 

The merchant has not provided what was paid for. They have actually provided NOTHING in exchange for this transaction. I ask that you please carefully review this and credit back the funds or ask the merchant to provide what was paid for. 

Thanks, XXXX XXXX
Consumer complaint received 2021-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Synovus Bank (PA)

I contacted first progress to remove the erroneous information in XXXX of 2020. 
I disputed the inaccurate information, however the disputes came back verified, without sending me the information used to validate the accounts, against FCRA statutes. 
I furnished copies of all 3 credit reports, showing the variations of misinformation. 
On XXXX XXXX, the information came back as valid again. 

In XXXX, I contacted the better business bureaus, and was told first progress would update the account. 
as of this point in time, First progress is still reporting inaccurate and erroneous information. 

The items I cited as being violations of the FCRA were posting the high balance being higher than the collections rep had me pay, no date of first delinquency reported as required by FCRA 623 ( a ) ( 5 ) ( a ), the fact that I had previously disputed with the CRA and they returned incorrect information FCRA 623 ( a ) ( 2 ) ( B ), not providing notice of furnishing negative information FCRA 623 ( a ) ( 7 ) ( A ) ( i ), and told them they would be in violation of FCRA 623 ( a ) ( 1 ) ( B ) if they continued to report any information at all to the CRA. I also let them know there are 0 sections in the FCRA that require them to report anything at all, and 0 sections that prohibit deletion.
Consumer complaint received 2019-03-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I HAVE PAID XXXX XXXX IN FULL FOR MY ACCOUNT YET THEY CONTINUE TO REPORT INACCURATE INFORMATON TO THE CREDIT REPORTING SERVICE, TRANSUNION, XXXX, AND XXXX. ALSO, THE CREDIR REPORTING AGENCY WITH EVIDENCE OF PAYMENT OF THIS ACCOUNT REFUSE TO CORRECT MY RECORDS. 

THIS HAS LED TO MY ACCOUNT BEING ERRONOUSLY AND MALICOUSLY BEING UPDATED AS DID NOT PAY AND BALANCE PENDING.. THIS IS DEFAMATION TO MY CREDIT SCORE.
Consumer complaint received 2017-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

OnXX/XX/XXXX, I petitioned the court to include my Student loan in my chapter XXXX bankruptcy. It was approved and my bankruptcy was discharged. This account should be closed and has been closed since XXXX
Consumer complaint received 2022-03-31
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AmeriCollect (CA)

I have received multiple phone calls related to this debt and a letter in the amount owed of {$540.00} from Americollect. I do not feel comfortable giving my credit card information over the phone. Although it's a violation of XXXX for them to even have this debt since it is not mine and a medical for my minor child, I went to their website to try and pay and close out this liability online and the website that is indicated on the bill does not work. I have tried to pay multiple times however, this seems very scary to pay a debt over the phone then to someone I do not know.
Consumer complaint received 2018-03-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A. (NY)

Because of lost income, I notified my credit card providers in XXXX that I was no longer able to make monthly minimum payments and asked them to reduce the amount due until I can get back on my feet. One of them, XXXX XXXX, immediately worked out with me a plan to reduce the amount and lower the interest rate in the interim. But one of them, Citi Visa ( XXXX ) declined to working out a plan with me. I told the bank that all I would be able to pay via online payments is {$100.00} a month in order to keep the account open which I have been doing. But, not only am I accruing monthly fees by the bank 's refusal to work out a plan with me as XXXX did but I am receiving on a daily basis anywhere from 4 to 6 robo annoying calls which is a total violation of my rights. I want Citibank to work with me during this personal financial crisis and stop harassing me.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
DPT EDXXXX XXXX Balance : {$9500.00} ; DPT EDXXXX XXXX Balance : {$1600.00} ; DPT EDXXXX XXXX Balance : {$9600.00} ; DPT EDXXXX XXXX Balance : {$2900.00} ; DPT EDXXXX XXXX Balance : {$2300.00} ; DPT ED/XXXX XXXX Balance : {$6400.00} ; DPT EDXXXX XXXX Balance : {$4000.00} ; DPT EDXXXX XXXX Balance : {$2400.00} ; DPT EDXXXX XXXX Balance : {$1300.00} ; DPT EDXXXX XXXX Balance : {$5500.00} ; DPT EDXXXX XXXX Balance : {$580.00} ; DPT EDXXXX XXXX Balance : {$3200.00} ; DPT EDXXXX XXXX Balance : {$2000.00} ; DPT EDXXXX XXXX Balance : {$9100.00} ; DPT EDXXXX XXXX Balance : {$1200.00} ; DPT EDXXXX XXXX Balance : {$4200.00} ; DPT EDXXXX XXXX Balance : {$6500.00} ; DPT EDXXXX XXXX Balance : {$2700.00} ; DPT EDXXXX XXXX Balance : {$5400.00} ; DPT EDXXXX XXXX Balance : {$580.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/year> ; XXXX XXXX XX/XX/year>.
Consumer complaint received 2021-07-07
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Conn's, Inc. (CA)

Hello, I received a letter in the mail from XXXX  consumer contact solutions. The letter stated that if I paid XXXX dollars they would wave the rest owed and settle my account. This did not happen so I tried contacting them 3 different times. Once by e-mail on XX/XX/2021 requesting a call back an an explanation as to why my account was not settled. Second attempt was by e-mail and phone on XX/XX/2021. The person who answered the phone told me I would need to contact a different department and leave a voicemail with my account number, name, and that Id like a settlement letter e-mailed to me. Third attempt was the same day XX/XX/2021 leaving a voicemail with requested information. 

I did not receive the requested letter in the 48 hour period mentioned it took on their voicemail. I did however receive a letter dated XX/XX/2021 showing a balance minus my payment amount. 

My belief is this company scammed me out of money with XXXX intention of settling my account like they said they would. I have tried twice with one credit bureau to have the status corrected and each time it was denied saying the amount owed is correct. 

I do not know what else to do to resolve this issue at this point. If I were scammed by this company I feel its important to report them so they are unable to continue to do it to others.
Consumer complaint received 2018-03-20
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: JPMORGAN CHASE & CO. (OH)

I contacted Chase auto finance to inquire about a deferment to offsite unexpected moving expenses. I was read disclosures about the deferment being approved, including the new loan terms. I was advised my gap policy would expire on the original loan expiration date. I was told to cancel my autopay so I didn't pay during the agreed upon deferment. Then I was transferred to someone else who told me they apologized for the misinformation I was provided but I didn't qualify for a deferment. At which point I asked to speak with a manager. The managwr assured me they would do two things. 1. Send the coaching opp to the manager of the first agent I spoke with. 2. Have the call reviewed for reconsideration for the deferment by the second agent I spoke with and that I'd receive a call back within 48 hours. 2 days later and still no call. So I call back and speak with a different manager who says I have no follow up scheduled and that the issue was resolved the first call. After going back and forth with him for a while he said he's open a case and have the first manager I spoke to call me within the day. It's now been 3 business days and I've not heard from anyone.
Consumer complaint received 2018-03-20
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. (NY)

I requested credit from XXXX XXXX XXXX. They denied me. On their denial letter they listed Experian. 

I went to the Experian site to obtain my credit report. I tried 11 times in a row and was rejected 11 times. the site flat rejected me the first few times then it asked me to prove my identity I tried to upload my Drivers Lic. and utility bill. Experian 's site was not able to upload ~ 30kb of data. I was rejected again. 

I believe the repeated rejections are a deliberate design feature of their website to force citizens to pay to obtain their own credit information. 

I. Am. LIVID!!! I am well educated and know how to use the web. Experian ought to be pounded through a bung hole left in the barrel for a week and then drawn out through the same hole with a sharp hook! XXXX! those people are Jerks! And security concerns have ZERO to do with their designed blocking of ME from MY information!
Consumer complaint received 2017-11-28
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: EQUIFAX, INC. (PA)

I have no other portal is get information to Equifax ... But this one. 

I read on complaint XXXX Equifax reports they have not received any additional information from me. Since Equifax does not provide a portal to submit additional information, I have the attached some additional information. 

Equifax previously reported the unauthorized inquiry by XXXX was " masked ''. Attached document shows this is untrue! 

Equifax responded to my complaint with such a garage/nonsense response! 

I emailed Equifax ... Started a dialog. When they could not deflect me ... The responses stopped!
Consumer complaint received 2017-03-28
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC. (VA)

My credit report showed a credit inquiry by your company that I do not recall authorizing I understand that you should not be allowed to put an inquiry on my file unless I have authorized it Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit This account is paid I have sent this letter because I need your prompt response to this issue Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed If you find that I am wrong and you did have my authorization to inquire into my credit report then please send me proof of this
Consumer complaint received 2021-07-07
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. (NY)

Remove the inaccurate account immediately I have been presenting so many physical proof To Equifax and always, always Equifax reported Acceptance now as verified accurate My question is now if the contract or agreement doesnt match with any credit reporting agency From where Equifax gets this verified accurate report 1 the agreement from acceptance now doesnt have my signature 2 the agreement from acceptance now only have the signature of employees 3 this is illegal 4 Equifax keep reporting this illegal agreement as verified and accurate violating my rights with this unfair act I want to hear what Equifax will say in court to a judge This will be the easiest law sue I will win
Consumer complaint received 2020-05-03
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: EQUIFAX, INC. (AR)

In the year of XX/XX/XXXX, I had a problem with XXXX when someone opens a fraudulent account with XXXX which I disputed in that year. Two years later I received an email stating to apply for XXXX XXXX through XXXX XXXX, which was later granted. After having the account almost two years XXXX requested that I send my drivers license and SSN number and uploaded it up on their site through their resolution center which I did, which two emails came in the year of XXXX XXXX XXXX, and XX/XX/XXXX, which I still have both emails. After uploading both DL and SSN XXXX change my taxpayer identification number on XX/XX/XXXX. After constantly battling my identity theft and fraud since XXXX with the Federal Trade Commission reference number XXXX and other related matters with my identity since XXXX constantly fighting for my identity as well as my daughters ' identity, which was changed in the year of XXXX when I worked for XXXX XXXX XXXX. The issue is now is that XXXX has put the account on my credit report after changing my Taxpayer Identification number in the year of XXXX, which XXXX requested the information when I applied they should have already had my SSN number, my other creditors have not to ask to do such a thing as updating my information with my DL and SSN.XXXX years is a long time to fighting for my identity with the same old issues over and over.I have filed a claim with Equifax Data Breach . All three have placed this on my credit report after changing my taxpayer identification number on XX/XX/XXXX, XXXXI want all to remove this merchant from my credit report because I have the letter where XXXX XXXX  denied the opening account in my name in XXXX of XXXX, which I have credit monitoring services XXXX and other credit monitoring services. Which now XXXX stated that I have applied in XXXX of XXXX, which I have not applied and there are no inquiry on any of my credit reports for an application with XXXX in the month of XXXX along with a fraudulent address, which I disputed that address but it stills appears to be on my credit, report which I want it removed.