davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I was unable to make an online payment to my car loan with XXXX XXXX because their system was not working properly despite multiple attempts. See the provided screenshot taken at the time of the incident. Consequently I was marked as a late payment for XX/XX/XXXX.

PLEASE NOTE : The XXXX data are reported one month behind, therefore this inaccuracy is shown as XX/XX/XXXX instead, while the EQUIFAX and XXXX show XX/XX/XXXX.
Consumer complaint received 2019-06-09
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. (AZ)

I am a Chase customer since XXXX. I own 2 chase credit cards and I use the checking account to deposit my paychecks every two weeks since past 1 year now. I recently experienced major inconvenience from the Credit Card Fraud department and the Credit Card Dispute Department. 

Briefly summarizing my case, I booked a flight ticket on XX/XX/XXXX for {$1400.00} from my Chase Freedom Unlimited card..I was about to check-in for the flight on XX/XX/XXXX from XXXX to XXXX XXXX, when I get to know that the ticket was no longer valid as the transaction was cancelled by the bank. 

I went to my nearest Chase bank and the banker named XXXX XXXX tried helping me out with the problem by making a few calls. After being on the call for about 3 hours, we get to learn that someone from the fraud department marked the transaction as fraud and it was then cancelled. Firstly, I never reported the transaction as fraud and I didn't receive any message/call/notification about this from the bank, asking me whether I made the transaction or not. Secondly, I didn't even receive any refund back for 2 months until I called and asked them about it. There was no way for me to know about this incident, except the day before boarding the flight. I had no other option than to book another flight which of course was at a much higher price of {$2200.00}. 

So, after 3 months since I first booked the ticket and many long hours of back and forth calls between the 2 departments, I finally did get the {$1400.00} back as a refund, which I appreciate. But I really feel that none of this was my mistake as a transaction was cancelled without even my consent or letting me know in advance. So why should I be bearing a loss of {$800.00}? I don't think it's right to just cancel transactions from a card by marking them fraud without first talking to the customer about it. 

I e-mailed the same to the CEO, Mr. XXXX XXXX, on XX/XX/XXXX and received a call back from his department. After reviewing my case and going through the details, I was refused any compensation saying that the bank has the right to cancel any transaction they want, whenever they want. This makes me feel less reliable on Chase credit cards now and I feel it's not the right way to treat the customers. I already cancelled one of the card and stopped depositing my paychecks. Thanks to this unsatisfactory experience. I think more people should hear about my story and be more cautious before using Chase Cards for important transactions.
Consumer complaint received 2020-06-02
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)

To Whom It May Concern : I have contacted the following companies reporting to my credit file and according to them, there has been no communication noted from Equifax regarding these items. 
I am requesting the Method of Verification used to contact the furnishers and the specific name and number ( please include extension if applicable ) of the person contacted ( An employee  looking at their computer screen and matching a name listed in their database is NOT verification or validation of any alleged debt ) ( The previous request not honored ). As the following items can not be verified mine, please correct status or delete them from the credit file : ACCOUNTS XXXX XXXX XXXX  XXXXXX not mine INQUIRIES XXXX XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX   XXXX  XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX  XX/XX/XXXX unauthorized XXXX   XXXX XX/XX/XXXX unauthorized XXXX/XXXX   XX/XX/XXXX unauthorized Identification already on file, please notice your internal notes. Please send me a complete updated copy of my credit report. Additionally, DO NOT place a fraud alert or promotional block, etc. on my file without my expressed permission.
Consumer complaint received 2019-06-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: FIRST NATIONAL BANK OF OMAHA (FL)

Company Name : First National Bank of Omaha XXXX. XXXX XXXX, NE XXXX. 

Cr.Card Account No : XXXX. 

Complaint : I have been trying to log in on line to see my Account position and pay the amount. I can not log in instead of my ID and password I have been using for the past 60 months. As for paper statement, some time I receive it by mail, some time not. 

Solution I Want : I wanbeent easy access on line to my subject credit card Account as well as monthly paper statement by secure mail. 

XXXX XXXX XX/XX/2019.
Consumer complaint received 2018-07-25
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (CA)

I initiated a small transfer ( {$3700.00}. ) from an external bank ( XXXX XXXX  ) to my Chase savings account on XX/XX/18. I was told by Chase the funds would be transferred in to my Chase account on XX/XX/18. On that day I logged into my Chase account, and there was a notice that my account had been suspended for suspicious activity, I had received no notice from Chase-no email, no text, none whatsoever, and I was scared that someone had accessed my account. I cancelled my appointment to meet someone, and called them. I literally had to speak to 4 people until I found out why they suspended my account-it was due to the transfer I had requested into my Chase savings account!. I was on the phone for close to an hour about this. They called XXXX to ask if I had the funds to cover this, and XXXX confirmed that I did have the funds. Then the Chase representative asked me, " What is the purpose of these funds you are transferring? '' I told him it was none of his business, and he said he would not transfer my funds if I didn't answer! I finally told him it was to buy something, but I felt violated and harassed by his coercing me to say this. I have filed a complaint with Chase, but I am contacting you because despite multiple calls to them, with multiple promises that the funds would be transferred, it has now been 5 business days, and they still have not transferred my money into my account. The money is listed under transfer activity on my Chase account 's website page ( see attached ), but it is not even listed as pending. I have been a customer of Chase for many, many years, with not one single reason for them to do this. I have transferred funds with no problems in the past, NEVER EVER had any NSFs or any other problems. I have also complained to their Executive offices, and they promised me a return call, but they never called me.
Consumer complaint received 2017-12-18
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: Credit Plus Inc (CA)

Unknown inquiry on my credit reports from Credit Plus XXXX/XXXX/XXXX ... I have NOT authorized verbally, physically, or electronically any application, nor requested credit, or my credit be ran, nor any account by this organization! Also, do I know who they are! I also have a identity theft report filed with my local police department.
Consumer complaint received 2021-01-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (IN)

Back in XXXX I found a collections reported to my credit report on behalf of XXXX. The debt was mine and I took the necessary steps to pay in full which included a past due balance as well as returning equipment directly to spectrum in person. This happened in XXXX of 2020. I then called and informed IC Systems that the debt had been paid and I asked what was needed to do to get this removed. They stated that if I mailed copies of my paid receipts they would have it deleted. The paperwork was mailed and I waited at least a month to call to give them ample time. I called to confirm they received it and why it was still showing as a debt. They confirmed they had copies of the receipts but they needed to get confirmation from XXXX  themselves from their collections department that it was now being reported as XXXX debt. I called XXXX explained the situation and they flagged my account so that it was pushed through AGAIN to report to IC Systems that it had been paid as they had already done. Another month or so goes by and I call IC Systems because it is again showing on my credit report and they refuse to update their balance in their system even after I sent receipts. The representative then tells me I now have to send copies of my personal bank account info showing the payment went through because I could have reversed the payment. After several calls and almost 9 months later they still refuse to update their records even after both XXXX and I personally have shown them proof. They have yet to help or try to resolve this issue only giving me more hoops to jump through for a {$350.00} debt. This is unacceptable especially when I have receipts including chat conversations with a XXXX  representative. Please resolve this.
Consumer complaint received 2019-06-09
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ad Astra Recovery Services Inc (IL)

This is XXXX XXXX XXXX, ad Astra Recovery call to say owe debt was paid XX/XX/2018. FTC should be able to sue their real company is XXXX XXXX and not a ligenamate company that is a collection agencies. I want XXXX XXXX and XXXX XXXX XXXX in order to satisfy my difficulties. 
XXXX XXXX XXXX, XXXX ( XXXX ) XXXX mobile
Consumer complaint received 2018-07-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (AZ)

To Whom It May Concern, This is the same complaint that I had a couple of years ago when I was trying to pay off a particular loan and was making payments. My balance was not going down and I got some XXXX response from this company. 

Again, Im making payments to pay off another loan and my balance is not going down. Where are my payments going? Do these people know what they are doing? I want a breakdown off all my payments made and what loans they are applied to since my balance is not decreasing when I make payments towards them. 

On XX/XX/XXXX made a payment towards a loan that had a balance of XXXX on XX/XX/XXXX the balance is still the same? Where is my payment that should have been applied? On XX/XX/XXXX another payment was made in the amount of XXXX. Now you would think that my balance is XXXX plus one months interest. NOPE ITS STILL {$2900.00}????? 
This company is defrauding me and the company should be investigated by the CFPB. This is an Unfair Deceptive Abusive Acts and Practice and they are pyramiding payments which is against Regulation AA.
Consumer complaint received 2022-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

The three major credit reporting agencies ( XXXX, XXXX, XXXX ), are inaccurately, inconsistently, and unfairly reporting my consumer information ( Via Capitol One ) : XXXX .... XXXX is reporting as 30 days late ( XX/XX/2019 ) XXXX isn't reporting and 30 day late payments. This is inconsistent, unfair, and inaccurate and NOT 100 % accurate.
Consumer complaint received 2018-07-25
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (CA)

My mortgage carrier is Carrington Mortgage Services LLC, and they have increased my escrow payment from {$370.00} to {$690.00}. Their reason was because my property tax statements from XXXX XXXX to XX/XX/XXXX were for total due {$3500.00}. Then the following cycle XX/XX/XXXX. XXXX to XX/XX/XXXX double to total due {$7300.00}. The reason for this double amount was because I did some energy efficient improvements on my house through the XXXX XXXX. This program allows you to pay the loan back through my County Tax statement every year. So, the additional or supplemental tax from the XXXX XXXX of {$3700.00} caused my escrow balance to become negative for that amount. They recalculated my escrow projected amount on XXXX to the {$690.00} amount. I explained to them I'm a senior citizen on a fixed income and couldn't avoid a {$300.00} jump in my monthly payment. Upon finding out my escrow balance was negative I paid the {$3700.00} on XXXX XXXX. The only thing I wanted Carrington to do was ignore the XXXX   supplemental tax portion moving forward and I would be responsible for this part of my tax bill which would move my escrow charges back to {$370.00} instead of the {$690.00}. The tax department attempted to have the supplemental tax from the XXXX XXXX taken off my tax statement. So, there have refused to do so. In their projected escrow analysis they are assuming a value. They don't know what my XXXX   supplemental tax will be for XXXX XXXX XXXX XXXX. I may have paid down the XXXX balance due or I may have paid it off. By making this assumption and charging me the additional {$300.00} I could be using that money to pay down the XXXX  balance. Please have them put my escrow payment back to the previous calculation and allow me to be totally responsible for the XXXX  supplemental part of my property tax bill. It that simple of a request. I'm attaching 4 documents to support what I've outlined about.
Consumer complaint received 2021-11-10
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: AES/PHEAA (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. This company is currently showing lates for the month of XX/XX/XXXX to XX/XX/XXXX and in the month of XX/XX/XXXX to XX/XX/XXXX. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately. 
XXXX***** Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX***** Opened XXXX XXXX, XXXX Balance {$0.00} Late/Close
Consumer complaint received 2020-12-05
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. (NY)

I am seeking the deletion of erroneous and inaccurate information contained in my credit file. I submitted a formal written request to all 3 credit bureaus ( Experian, XXXX and XXXX ) on/around XX/XX/2020 and a second request was sent via certified mail on XX/XX/2020. 
In my letter sent and received by Experian, XXXX  and XXXX I requested a reasonable reinvestigation as defined by 15 U.S.C. 1681 ( 1 ). In particular 1681 ( i ) ( a ) ( 1 ) ( a ) requires that the credit bureau respond within 30 days beginning on the date on which they received my notice of dispute. I requested that the bureaus please contact the respective furnishers and provide them with the relevant information contained in my letter, as required by 1681i ( 2 ), so that they may also perform a reasonable investigation. However, it has been almost 6 months from my first written request and more than 3 months since my second written request and I still have not received any responses.
Consumer complaint received 2021-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I would like my Personal information Updated to only one of each. Names and address i do not go by or does not live at. I sent in a letter but i don't see any change
Consumer complaint received 2021-05-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

Mr Cooper made 2 unauthorized deductions from my checking account - XX/XX/XXXX {$2800.00} XX/XX/XXXX {$2800.00} and 2 deposits XX/XX/XXXX + {$2800.00} XX/XX/XXXX + {$2800.00} I am not signed up for auto pay and they are not authorized to do this. I paid my mortgage payment XX/XX/XXXX in the amount of {$2800.00}. 

I do not believe the explanation of a " third party '' error. This must be investigated.
Consumer complaint received 2023-06-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (NY)

I contacted my federal student loan servicing company, Nelnet, to inquire about whether I would be able to make an extra payment every month ( or whenever I chose to do so ), after my required monthly payment has been successfully processed, with such funds only being applied towards the principal of my outstanding loans. In sum, I wanted to be able to make my monthly payment, and to make an additional, optional payment to principal-only. I was told that this option ( i.e., a principal-only payment ) is not allowed. I do not believe there is a justification for such restriction. The repayment of student loans is governed by federal law, and I do not believe there is any federal law that precludes a borrower from making a principal-only payment, after such borrower 's required monthly payment obligations have been met.
Consumer complaint received 2021-11-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Continental Finance Company, LLC (TX)

There really wasn't any correct answers I could choose. I opened my account XX/XX/XXXX. At that time, I paid for my card and added credit protection. In XX/XX/XXXX we had a major Ice storm and I had asked to not have to pay my bill due to this and then the same in XXXX to get caught up. They said I could. then in XX/XX/XXXX I realized that I had a lot of late charges added. When I called them, they said that they never agreed to this. So I cancelled my card. On XX/XX/XXXX, they were still charging me credit protection, and I had to cancel that then. Now they have my payments so high that I can't make them. They are still charging me interest and late fee 's. I called and told them that I was filing a complaint and I would not be paying until I got a anwer.
Consumer complaint received 2018-07-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I received a free credit report from all 3 agencies. I disputed this information with all 3 agencies. As a result of my dispute, instead of providing prove that this is my debt the company, PORTFOLIO RECOVERY ASSOC. keeps updating info instead of providing proof. This is not my debt, it was someone else 's debt who put me down as an authorized user. That I was not aware of, their debt went into collections and because they can not locate the debtor, they are placing false information on my report. XXXX, XXXX and XXXX  were notified, yet they keep allowing this collection agency to just update instead of removing. When I requested information as to what proof did they provide they all just tell me to contact Portfolio, who  respond to my calls by telling me that if its not my debt they can not discuss the matter.
Consumer complaint received 2022-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I received a letter letter from Kohls in late XXXX stating my account was passed due. I called XX/XX/XXXX and the automated system using my social security number stated I had a XXXX balance. I then preceded to select the option for customer service to figure out what was going on with the letter. I was told that " yes, you have a XXXX balance and please ignore the letter as it was sent out by mistake. '' I recieved another letter in XXXX that I did ignore based on my conversation with that Kohls ' representative. I then recieved a letter at the end of XXXX stating my account had been suspended, I called XX/XX/XXXX and again was told by the automated system I had a XXXX balance. I proceded to customer service again, where I was told again I had a XXXX balance. I continued to press the seriousness of the situation and that's when the representative " found '' another account under my social security number. He then gave me two phone numbers to call because he could not help me. I called the first number ( XXXX ) XXXX and it was " no longer in service '' then I called the other number ( XXXX ) XXXX and was sent directly back to the same recording for the original number I called ( XXXX ) XXXX, I chose customer service again and asked for a supervisor but before that I had to explain the situation yet again. This time though he found the second account in a few minutes and also stated I had been sent to collections and I could not pay off the " 2nd account '' so it didn't continue to report to the credit beauro, He again gave me the ( XXXX ) XXXX phone number and told me to wait for the " collections option. '' I called this number back and there was NOT a collections option, so I again chose customer service and immediatly asked for a supervisor, Again I had to explain the situation ( for the 3rd time ), and was told the " whole collections system was down '' and to call back Monday. I was also told that both my accounts would be deleted from Kohls but it wouldn't help with the collections agency or being reported to the credit beauros. I check my score because I was looking to purchase a vehicle and it dropped XXXX points. Kohls needs to be held accountable and have this infomation REMOVED from all 3 credit beauros immediatly.
Consumer complaint received 2022-01-09
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. (IN)

Have court order stating these are not My debts. Have sent to all three age cues multiple times with them always saying its complete and accurate and will remain. Several accounts opened in Wisconsin under my name, with an identity theft report on my social security. They still allow these on my credit ; even though Ive never lived in Wisconsin, and have proved these are not my accounts.