davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: JPMORGAN CHASE & CO. (FL)

I started being a Chase customer back in XX/XX/XXXX. In XX/XX/XXXX, I started my first Credit Card with chase and eventually had XXXX with up until XX/XX/XXXX. In the beginning of the last year, they continued to send out a new card that I never received and I notified them that there customer representatives did not send it to the correct address including the branch. I called to notify them that somebody had either received the card or the numbers a racked up a balance of over {$5000.00} dollars. As I continuously contacted them of the following information the balance increased. When I sent a formal complaint to their headquarters they cancelled all my cards and claimed it was due to " breaking bank policy ''. However, as all banks have clearly stated there is a " zero tolerance '' for fraud or misuse of cards by other 's. I continuously called customer service and either was disconnected or was told a different story. To date, I have never been late on any of my credit cards or debt/payments. Chase eventually agreed to settle on the balance even though that is not the solution I wanted and I agreed to the terms if and only if the " breaking of the bank policy " is removed and that it clearly noted that I settled in good favor. However, now they have reported to the Credit Bureau 's that I was two months late ( XX/XX/XXXX and XX/XX/XXXX ) and only paid 50 %. This is not true because the balance was not mine to begin with. Instead, I was making an effort to walk away from company not standing by their values or customer. This is now and will be reflected on my credit report as a negative sign for the next 7 years. I feel that Chase should remove this and allow for it to closed case as they were paid. In addition, they also charged me late fees as interest for a balance that was not mine. I would like to have this matter investigated as it is crucial and does effect my financial state.
Consumer complaint received 2024-01-25
Product: Credit reporting 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)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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 In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

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
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

The following companies made unlawful requests on my credit report, and I am writing to let you know about them. Below are the company names along with the dates that I received the inquiries. 
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 2023-11-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (GA)

My Chimes account was suddenly closed without notice. Then I called to see if I could get the funds from my account ( approximately around {$1300.00} ) after talking to several operators I was told that a email would be sent on how I could retrieve my funds. Instead the email stated that wasn't eligible to be refunded because of SUSPICIOUS FRAUDULENT activities but never stated what exactly was considered as fraudulent. I am a frequent XXXX XXXXXXXX so money is constantly moving through my account.
Consumer complaint received 2017-02-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Jim Bottin Enterprises, Inc (MA)

I came into contact with ABC Financial as they manage the billing for XXXX and I began a two year membership in XXXX XXXX. I had moved more than 25 miles away ( XXXX of the requirements for cancellation ) and so I sent in the {$99.00} cancellation fee as well as a copy of the first page of my lease and the required cancellation document in XXXX XXXX. The check ( which included " membership cancellation '' on the information line ) was processed on XXXX XXXX, XXXX and so I assumed that that meant my membership would be cancelled since it seems improper to process a " membership cancellation '' check for any other reason. I then received a text in XXXX saying my billing method was invalid along with a yearly membership charge and a monthly membership charge ( these charges, as you can see in the attached document, were said to be " made at club '' but I have not visited the gym since XXXX so they were made against my will ). I called in and was told that they would talk with their billing department and try to locate the cancellation. I was called back around a week later and told that while they had processed my " membership cancellation '' check they were unable to locate my membership cancellation form ( even though these were all included in the same envelope and would have been received if the check had been processed ). Instead of admitting any fault they informed me that I would have to re-send my cancellation and that I would still be responsible for all of the months between when my original cancellation was received XXXX XXXX XXXX ) and when my new cancellation would be received XXXX XXXX XXXX ).
Consumer complaint received 2016-04-23
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: NCB Management Services Inc. (VA)

A lady named XXXX XXXX from XXXX Management Services Incorporated left a voice mail this morning regarding a debt and requesting to call her back at XXXX - Ext. XXXX. I quickly knew this called was not intended for me because I do n't have pending debts and I had never heard of XXXX XXXX XXXX XXXX XXXX, an institution she is collecting a debt for. When I called her, I quickly identified myself but from the very moment she answered her phone she was loud, rude, disrespectful and sounded bitter and extremely angry, loudly. I tried to tell that I received a called from her in an attempt to collect a debt. I also tried to tell her that I 've had this phone number for about XXXX weeks and that she probably wanted to contact that previous person that had this number. She did not even spent a second to listen to what I had to say. She kept on going with her harsh and nasty tone of voice. I repeated my phone number twice as per her 'demand ', then I told her my name three times as she 'demanded '. Every time I try to say something else to explain the reason of contacting her back, she would speak over me and not let me talk. At some point during the speedy, one-way conversation, she told me she -had not finished talking yet! -. and kept questioning if I had an account and I said no. Then, she demanded from me to spell out my name. At that point I decided that I did not have to put up with her abusive and condescending attitude and hung up. I called her to clarify who I was and to also request my phone number be removed from the list of debtors. I even have my answering machine stating my name and do n't understand why they still will leave a message to collect a debt I do n't have and never did. This woman crossed the line ; she was insulting and abusive!. By far this the most disgusting person I 've had to deal with in my life. Please, someone make these people stop their abusive behavior.
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AZ)

I am writing to file a formal complaint against XXXX, XXXX, and Experian regarding the inaccurate information on my credit report. Despite multiple attempts to address and rectify the inaccuracies, no action has been taken by the credit bureaus in question. 

The disputed items on my credit report include the following : XXXX : 1. The inquiry was not authorized. 
XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized. 
XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. Please explain and verify how you obtained this information. All payments were made on time. See attached report from Department of Economic Security. 
XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX : 1. The inquiry was not authorized. 
XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. Please explain and verify how you obtained this information. All payments were made on time. See attached report from Department of Economic Security. 
XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

Experian : 1. The inquiry was not authorized. 
XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized. 
XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. Please explain and verify how you obtained this information. All payments were made on time. See attached report from Department of Economic Security. 
XXXX XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

I have made two attempts to request the credit bureaus to delete the inaccurate information through written disputes, providing supporting documentation to substantiate my claims. However, despite my efforts, there has been no resolution or corrective action taken by the credit bureaus to rectify these inaccuracies.
Consumer complaint received 2016-10-03
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Credence Resource Management, LLC (GA)

My son and I were in an XXXX in XXXX 2015 and covered by XXXX XXXX XXXX. He was taken by ambulance to the hospital by XXXX XXXX XXXX. The insurance covered up to {$5000.00} in medical expenses. I provided XXXX XXXX the accident claim # XXXX. Now I have received a {$2100.00} collection bill from Credence. I am not responsible for this and XXXX XXXX has failed to collect payment from XXXX.
Consumer complaint received 2016-01-20
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Fenton & McGarvey Law Firm, P.S.C. (PA)

I received a letter from a out of state Law Firm about a so called debt. I live in Pennsylvania so I requested information in to this firm and its practices and licenses that give them a right to collect a debt in Pennsylvania. I as asked for information in regarding so called debt including all information and dates of so called debt. to include original creditor and statue of limitations in my State of Pennsylvania. I believe this to be a fraudulent claim and practice.
Consumer complaint received 2016-03-22
Product: Credit card — 
Issue: Other — 
Company: AMERICAN EXPRESS COMPANY (NJ)

American Express made a " hard pull '' on my credit bureau ( I checked with XXXX ) for a credit card replacement. I did not apply for credit. 

Spent 4+ hours straddling between Amex Cust service and Amex Cedit Bureau division. One department would send me over to the other in a seemingly perpetual loop. Finally, XXXX from the Credit Bureau dept. asked that I send a fax to their investigative team. I did not hear back.
Consumer complaint received 2022-09-05
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: NATIONWIDE ADVANTAGE MORTGAGE COMPANY (NC)

Well my identity has been stolen by one of my family members for over 15 years. My social security number has been used several of times and has made my life miserable! I do not if you can find out where the fraud disappeared too then that wold be great! All I can say is when I moved to XXXX  XXXX  to leave XXXX XXXX, I had applied an application to an apartment complex and as they ran my credit check they had seen that there was a bankruptcy report. I sighed and shook my head and first thing that popped into my mind was my father. Some how, some way or another his credit faults fell into my credit and social security number. I couldnt believe it. And there were other things as well on my credit where he tried getting loans out on my social security number. Well I had to explain to the lady that I have never owned a mobile home and that was my fathers! What is so cruel is that we have the same exact name except I am an the XXXX  and He is XXXX. XXXX XXXX XXXX XXXX is me and his is XXXX XXXX XXXX XXXX Long story short I havent took it into consideration. After all that was discovered I asked if I could call my father so maybe he can show you the lease and his signature. All and all he faxed all the necessary paper work to the apartment complex office and it was all resolved. I was just wondering if there was any action to take place? Since it was identity fraud. Thank you and hope to hear from you. I also do not know if who he was dealing with at the time to had put my social in and everything else and for it to show up on my credit and probably affect me for the rest of my living duration.
Consumer complaint received 2016-08-11
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY (CA)

I have over XXXX American Express membership rewards points ( value of over {$1000.00} ) that I have earned and that appear as available on my account to use for travel booking and transfer to travel partner programs. However, American Express will not let me use or transfer any of my points as they advertise. Their website tells me my transfer requests can not be completed and when I called their customer service line to find out why, I was told that although my account is in good standing, it is " under review '' and no points can be used until the review is over. The rep could not tell me why it is under review or what the review consists of, nor could she put me in touch with anyone who could provide more information. She said the review process takes 6-8 weeks, but my account has been under review since XXXX/XXXX/16, which is already almost 12 weeks. She could not give me a date or any indication of when this review period would end and I would be able to use the points I have earned. There is a {$450.00} annual fee for the American Express Platinum card, plus another {$170.00} fee for adding authorized users, both of which I have paid. For that price it is unacceptable that I can not use the rewards that the card earned, with no information whatsoever about the reason or the date that they will be restored. Award travel needs to be booked far in advance, and the inability to use my points now will cost me in terms of price and availability of the travel rewards I plan to redeem.
Consumer complaint received 2019-02-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

I requested a credit increase with my credit card company and that request was initially accepted. A few months later, I requested an additional increase and it was denied solely because they limit increases to once every 6 months. My credit is impeccable - 30 years without a late payment. The reasoning for giving credit and credit increases should based upon the history of the account holder, not some arbitrary window of time. I believe that Capital One has implemented this policy as a means to lower credit scores and make more money on the higher interest rates. It is clear that credit scores are based upon available credit and low balances related to that available credit, aka credit limit. I have watched my scores closely over the years and while I have consistently maintained excellent credit, I see those scores lower when more available credit is used. If I can not raise the credit limit, I run the risk of having a lower credit score even if I pay off all my credit 100 % of the time. This is truly a credit industry scam. Thank you for your assistance.
Consumer complaint received 2015-08-25
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Quality Loan Service Corporation (CA)

I continue to have problems with XXXX XXXX XXXX and Quality Loan Service in XXXX XXXX. Their latest move is to reschedule a foreclosure sale to XX/XX/XXXX but they have scheduled it to be held in XXXX, CA, instead of XXXX XXXX, CA, which is not what is stated in the NOS. This is a violation of CA Civil Code 2924g. In addition, I have been unable to locate where notice of the sale has been published. In addition, they dates on their website as to the dates of the NOS and NOD are incorrect.
Consumer complaint received 2017-03-09
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: SYNCHRONY FINANCIAL (MN)

This was originally taken off the credit reports after being disputed. They decided to put the debt back on the credit report and now are falsely stating that the first major deliquency was from XX/XX/XXXX when the card in fact is from XX/XX/XXXX-XX/XX/XXXX. They are making the card and charge off look newer than it actually is. The original creditor is still on my report with the correct date. They are trying to sabatoge my credit report and even when disputed will not update with accurate information.
Consumer complaint received 2015-08-15
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I applied for a Capital One credit card but began to receive letters from them about fraudulent transactions even before I received the card. I never activated the card and asked them to close the account. I closed my checking and savings accounts with them and sent a follow-up letter on XX/XX/XXXX asking them to close the credit card account. Recently I began receiving statements for the credit card. I sent a certified letter to them on XX/XX/XXXX notifying them that I had closed the account XX/XX/XXXX. The account still has not been closed.
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (VA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2017-08-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (TX)

I never had a contract with this company called PROCOLLECT. I sent a validation letter on XXXX / XXXX /2017.  I never received any type of validation in regards to my letter from this company.Procollect states that I owe them XXXX for an unpaid balance but they have yet to send any validation that I have a contract with this collection agency.. I also called on last week with a recorded phone call and they stated that they can settle the account for XXXX but that 's only valid for 48 hrs. Then they stated that we agreed on the settlement which I did n't, but because I called they said I agreed.
Consumer complaint received 2016-10-26
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: SYNCHRONY FINANCIAL (CA)

Sychrony Bank notified me via XXXX mail of XXXX things which are not aligned with actions I have taken, and which were confirmed on Synchrony 's internet site. I also received email confirmation of my actions, but was later informed that the actions were not valid. The first action I took was to enroll in Auto Pay. I received notice that I had un-enrolled in Auto Pay. I never un-enrolled. Second, I was notified that " my bank '' refused my initial Auto Pay installment. I was charged {$27.00} late fee. Unable to contact them via phone because their IVR would not let me reach a Customer Service Rep.
Consumer complaint received 2015-07-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted me instead of my attorney
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

After my attorney sent them a letter of representation, they continued to send at least XXXX collection letters to me, in violation of state law. They also failed to respond to a letter from our state 's Department of Consumer Affairs, which was an attempt to resolve these violations.
Consumer complaint received 2016-08-20
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Capital One is reporting an account on my credit report that was found to be in violation of the Fair Credit Reporting Act. I hired XXXX XXXX, an FCRA attorney in New Jersey, and we were able to sue them and the credit bureaus, and I won. As part of the settlement, they agreed to delete this account on my credit report but I see that it is still on there. I even disputed it with the credit bureaus and they came back and verified it. Is n't that another violation of the FCRA?
Consumer complaint received 2016-04-29
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

XXXX represented they could take a settlement agreement for Capital One. They required that I provide bank account information so they could withdraw money for one year. They never gave me any proof of the debt, they never gave me any receipts for payments, they withdrew money without my permission and amounts without my permission and times without my permission and Capital One has not been able to produce any information regarding these payments. They withdrew over {$6900.00} and no one can account for this and I still owe money now without any information on why I owe or where the money I paid went to.
Consumer complaint received 2019-02-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (CO)

This false information has been removed from my other reports. This debt is NOT owed by me and the original " Debtor '' knows this! As does the collection agency, whom is committing fraud by still reporting this false information! It needs to be removed immediately!
Consumer complaint received 2016-03-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (FL)

Had a XXXX XXXX account that paid XX/XX/XXXX out of closing that was settled thru XXXX and was payed directly to XXXX XXXX and pinnacle credit ended with my payment and sold the account after it was paid off to first national collection on XX/XX/XXXX. I have all the paperwork to send to confirm my complaint. XXXX refuses to talk to me after many calls to them. Please help me settle this problem. ThankYou XXXX XXXX XXXX XXXX XXXX