davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-07
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. (OH)

On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX i sent letters regarding inaccurate and unknown information on my credit report. To this day 5 months later i have not received a response nor proof of contract or application regarding accounts. i feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report and has been over 5 months. i demand these accounts be deleted immediately or i will file for litigation due to stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2018-02-10
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

-XX/XX/XXXX an item was ordered by accident from XXXX  costing XXXX dollars. 
-- XX/XX/XXXX I received notice via e-mail that the item was ordered. On that same day I called XXXX and cancelled the order. 
-- XX/XX/XXXX item was delivered when I was at work. On that same day I called my credit card company and told them to hold payment because I cancelled the item and it showed up anyways. 
-- Not sure exact date but early XX/XX/XXXX I shipped item back to XXXX unopened. 
-- XX/XX/XXXX without me knowing XXXX disputed delivery because they did not receive or process return yet. 
-- XX/XX/XXXX XXXX received return. ( I have proof with attachment ) -- XX/XX/XXXX credit card company issued refund back to XXXX based on XX/XX/XXXX information. I was never told of this until I received bill in XX/XX/XXXX. 
-- Beginning of XX/XX/XXXX I received bill from credit card company with the XXXX charge on it. 
-- Early XX/XX/XXXX I have numerous calls with the credit card company and XXXX on this matter. Credit card company tells me they paid XXXX on XX/XX/XXXX and I have to pay XXXX dollars or be charged interest. When I talk to XXXX they tell me they have no record of refund on XX/XX/XXXX ( I have proof with attachment ), but they do agree that the item was returned. I call credit card company back and asked for some kind of confirmation number or proof they sent XXXX the money on XX/XX/XXXX so I can give to XXXX so they can track down the transaction. Credit card company tells me there is no proof they can give me. 

-- So the main thing I am trying to get is proof of the transaction from my credit card to XXXX on XX/XX/XXXX in the amount of XXXX so XXXX can possible track this transaction down and I can get a refund that I deserve. 

-- The credit card company is bank of America. 

-- I would greatly appreciate any help you can give me on this matter.
Consumer complaint received 2023-03-10
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: CL Holdings LLC (FL)

I am filling a complaint against Jefferson Capital Systems , LLC. I do not have a blue, wet ink signed contract with Jefferson Capital Systems , LLC located at XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX. Previous to today, I have never communicated to Jefferson Capital Systems or had any verbal or written communication. I was notified by a past employer that Jefferson Capital Systems , LLC had repeatedly called my past employer. My past employer reached out to me and informed me yesterday, XX/XX/, of the incidents. 
Jefferson Capital Systems , LLC have violated the Fair Debt Collections Practices Act that protects consumers from harassment and privacy violations by bill collectors. Jefferson Capital Systems , LLC has violated these sections of FDCPA ; 15 USC 1692c 804, 2 ,3. Acquisition of location information, 15 USC 1692d 805a. 15 USC 1692d 805a, 3. 15 USC 1692d 805b., 15 USC 1692d 805, 15 USC 1692f 807,11. 15 USC 1692h 809. Validation of debts, I have not given prior consent of, me, the consumer given directly to the debt collector, or the express permission to communicate to a present or past employer. However, Jefferson Capital Systems , LLC has contacted a past employers and spoken to them, then disclosed that I supposedly owe a debt and they are trying to collect it.
Consumer complaint received 2021-06-07
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. (OH)

A rental car transaction of {$450.00} appeared on my Chase Sapphire Credit Card. This amount is higher than {$310.00} that I was supposed to pay. After speaking with several Chase customer service representative, they insisted that transaction is valid, and refused to open a dispute due to the fact that I've already received the service. The reason why I contacted Chase is because it's impossible to reach XXXX XXXX location to resolve the issue, since no one answers the phone.
Consumer complaint received 2019-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Multiple addresses where I don't live anymore are still being reported on my credit : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I would like these removed. 

My brother : XXXX XXXX is being reported on my personal credit report. Please remove him. 

My brother 's credit card he opened is being reported on my report, as well as hard inquiries. Please remove this account creditor : XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX Date reported : XX/XX/2019
Consumer complaint received 2019-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Freedom Mortgage Company (GA)

My wife and I are both XXXX vets. Our mortgage was sold to freedom mortgage from another company. Freedom mortgage never let us know they had our mortgage until we saw we were late on our credit report. We fixed the past due amount and have been on auto draft ever since. Approx 7 months with this company. Now they are reporting we have missed two mortgage payments all of a sudden and this has never happened. Auto draft is through XXXX XXXX  and has come out the first of every month. We have confirmed this with bank statements. Freedom mortgage has done nothing to correct their screw up after being contacted and admitting their screw up. Because of this we have not been able to get a new car loan and our credit went from XXXX to XXXX. This company should not be allowed to handle veterans mortgages and should be called the gestapo mortgage. XXXX XXXX and XXXX XXXX XXXX.
Consumer complaint received 2020-01-26
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. (TX)

Disputed Item with XXXX/Experian XX/XX/XXXX & XX/XX/XXXX ( via mail and online ) XXXX/Experian verified as accurate XX/XX/XXXX & XX/XX/XXXX ( via mail and online ) Request XXXX/Experian FCRA 611 letter XX/XX/XXXX & XX/XX/XXXX ( no response ) Sent reported creditor a Dispute letter requesting adherence to applicable laws adherence and validation of debt. XX/XX/XXXX ( no response ) Sent Second Letter reported creditor a Dispute letter requesting adherence to applicable laws adherence and validation of debt XX/XX/XXXX ( no response ) Sent XXXX/Experian Final letter before submitting Complaint ( s ) XX/XX/XXXX ( no response )
Consumer complaint received 2022-01-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE (NY)

On XX/XX/2021 I cashed in XXXX points for 2 tickets to XXXX XXXX @ XXXX XXXX. This game was on XX/XX/2021. I never received these tickets. I booked airline tickets for 2 and a hotel which I ended up canceling after numerus phone calls and messages. I did at one point receive a voice mail stating the tickets were emailed to me. This was not true! I did not receive confirmation of such email. Barclays bank owns me those points back.
Consumer complaint received 2019-08-25
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: ALLY FINANCIAL INC. (CA)

I went into a XXXX XXXX to apply for a car loan and they applied to multiple companies for me on XX/XX/XXXX. Since then I have received multiple letters in the mail with offers, counter-offers, or denials of loans. The issue is this : one of the companies, Ally Bank, sent me two letters in the mail I received today, XX/XX/XXXX, denying my loan application and lists my credit scores from XXXX, and some odd credit reporting agency I've never heard of called XXXX XXXX. My credit score from XXXX listed by the letters is XXXX but the XXXX agency lists it at XXXX and both letters state they used XXXX as a deciding factor in the loan denial. 

After a visit to their website to find out why my score is so low through XXXX I found out that the only way XXXX will give me a copy of my credit report from them is to send off copies of personal information such as my social security card and drivers license through the mail. Their company phone number just led me through a chain of robots without any real help from an actual person. I am reluctant to send off any personal information to a company I have never heard of for credit history until today and all reviews I read of this company have labeled them as a scam. 

Listed on the letters from Ally Bank under XXXX reasons for adversely affected scores are " Limited history for consumer at address & phone ( Applicant ), Length of time accounts have been established too short ( Applicant ), Not enough bankcard debt experience ( Applicant ), Not enough debt experience ( Applicant ). '' I've had my phone number since XXXX, lived at the same address for 20 years, had my bank card since XXXX with zero delinquencies or overdrafts, and I've had my credit card for over a year with perfect payment history. 

To have an unknown company with false information and who tries to use shady tactics to obtain personal information be the adverse factor in a bank 's decision to offer a loan to me has sent many red flags and is the reason I am filing a formal complaint against XXXX XXXX and Ally Bank for partnering with them and for potentially sharing my personal information with XXXX XXXX.
Consumer complaint received 2018-02-10
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. (GA)

XX/XX/2018. After further research regarding my XXXX  credit file I found that my personal information had been breached. After several attempts to have inquiries, collection accounts that have not been validated as belonging to me, and a bankruptcy reporting after being removed from my Experian report I've still yet to see any changes being made. This has caused a major issue for me when legitimately trying to acquire a mortgage and financing a vehicle for my families needs.
Consumer complaint received 2023-09-08
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: California Business Bureau, Inc. (CA)

California Business Bureau Inc is attempting to charge interest in the amount of {$160.00} on an account that does not have interest tied to it in the original contract as it is a medical debt. When I spoke to California Business BureaXXXX on XX/XX/2023 at XXXX PST the collector stated that they did not have the original contract that stated they were legally allowed to charge interest on this account and that they were able to charge the interest " because I didn't pay it. '' When I spoke to the original debtor ( the hospital ), they stated that they do not charge interest on their accounts. This means that CBB is charging interest illegally under 15 U.S.C. 1692 et seq. of the Fair Debt Collection Practices Act as well as misrepresenting my legal rights as a consumer ( another illegal practice under FDCPA. ) Furthermore, they called both of my parents on XX/XX/2023, which they are not allowed to do unless they're unable to locate me, which was not the case as the original letter they sent dated XX/XX/2023 stated that I have until XX/XX/2023 to respond. How can they determine if I'm unable to be located if they did not give me reasonable time to respond per their letter? This is illegal under 805 ( b ) of the Fair Debt Collection Practices Act.
Consumer complaint received 2024-02-05
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. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
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 2024-02-05
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. (NH)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
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 2024-02-05
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. (FL)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-05
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. (CA)

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NJ)

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 60 days, I filed a 60 day demand to comply with the credit bureaus and still have yet to receive any response. The Initial dispute was sent on XXXX/XXXX/2020 and the 60 Day demand to comply was sent on XXXX/XXXX/2020.
Consumer complaint received 2018-02-10
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. (GA)

XX/XX/2018. After further research regarding my Equifax credit file I found that my personal information had been breached. After several attempts to have inquiries, collection accounts that have not been validated as belonging to me, and a bankruptcy reporting after being removed from my XXXX  report I've still yet to see any changes being made. This has caused a major issue for me when legitimately trying to acquire a mortgage and financing a vehicle for my families needs.
Consumer complaint received 2019-08-25
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MIDFIRST BANK (LA)

A few years ago something happened to make my mortgage goes into the delinquent status sso I called the mortgage company and they explained to me that I had missed a note two years ago so I brought the note current and they came back three years later and did the same thing which caused me to go into a foreclosed I know I had missed a note because I kept very good track of the payments after that the mortgage company did not want to hear what I have to say I've wrote letters and complain it an asked them to correct the matter they didn't prolong the issue until there was not enough time to correct the matter I had to file bankruptcy to save my home after showing them that I had not missed not one payment that still didn't matter being that I have the FHA 's very strict contract they disregarded all of the guidelines legal statutes and laws in my FHA contract through the FHA contract they found they could not foreclose on the book only put me through a forbearance plan and they had to get permission from the Bar Association to consist however I brought my long comment begin did everything that was asked of me through the forbearance plan and completed it and gain some interest back that was not replied to my principle about a long XXXX XXXX dollars that went into overpayment to bring my loan and reinstate my insurance however that didn, t happened I have spent money and time to fake foreclosure and now I am on a fourth fake foreclosure and I know and have record that I never mixed not on payment so I havenever should have been either foreclosed and look like to get rid of this one I'm going to have to file bankruptcy again mid First Bank is repeatedly committing bank fraud in predatory lending insurance fraud and breach of contract not to mention the sentence of 15 years of emotional distress and mentally anguish
Consumer complaint received 2021-04-30
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO. (NY)

I started the mortgage process on XX/XX/XXXX and have the mortgage closed on XX/XX/XXXX. I want to file a claim regarding JPMorgan Chase bank, the loan officer XXXX XXXX ( XXXX ), and his XXXX XXXX XXXX XXXX XXXX XXXX The claim is regarding the following issues : 1. Negligence during the mortgage process.

Because of the negligence of loan officer, my closing got delayed and I was charged a closing adjournment fee of {$4900.00} because of the the delay.

During the process I have been submitting required material no later than one day after requested, but the process keeps been delayed for over 3 month.

Through out the one 3 month process, I've been trying to follow up on the mortgage process, but XXXX barely pick up my phone calls, instead of picking up my phone call, he called me back just IN SOME CASES. I found him picking up phone calls pretty quick when my attorney called him though. He is also lagged in email response. 
On XX/XX/XXXX, the first scheduled closing date, I hear nothing from the bank and I'm unable to get my phone call through. 
On XX/XX/XXXX, which is the deadline for closing, the bank is still waiting for appraisal report, while the sponsor said that appraisal report was provided on XX/XX/XXXX. 
On XX/XX/XXXX, closing was scheduled on XX/XX/XXXX, it got delayed to XX/XX/XXXX because the loan officer forgot to ask me to sign for waiver of Three-day review of appraisal/valuation form. The adjournment fee gets increase from {$3800.00} to {$4900.00} because of this delay.

2. Share deceptive information to me about adjournment fee reimbursement. 
Before the closing deadline XX/XX/XXXX. I was told by attorney that if the closing is delayed beyond that date, I'll be charged an adjournment fee per day, the amount total is {$4900.00}. The loan officer told me that I don't have to worry because bank will reimburse this adjournment fee for me, but I need pay out of my pocket when closing first, then the bank will work on reimbursement. I trusted him, and the bank. 
On XX/XX/XXXX, I went for closing and paid for the adjournment fee. Provided all required material to XXXX for reimbursement. 
On XX/XX/XXXX, XXXX told me the application for reimbursement has not been approved and when I asked for reason of reject, he said bank never guarantee to close on time so it is normal for mortgage closing being delayed, which makes no sense to me, and make his promise of reimbursement a lie.
Consumer complaint received 2020-06-04
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: EQUIFAX, INC. (AR)

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect.