davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-22
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. (CA)

I am a current Chase Bank customer. I had a Southwest credit card and closed the account on or about XX/XX/2019. I never received paper statements as I did everything electronically and I cut up the credit card. I do not know the credit card number only the last four of the credit card. I was told by Chase that after 6 months the account is " purged '' and no one from Chase Customer Service can access the account. I purchased XXXX and airfare for 4 adults to several places in XXXX for a vacation for the end of XXXX and beginning of XXXX. Due to COVID-19 reservations are being cancelled and refunded to this closed account. Chase customer service said they have no way to help me get my refund or check the status of any refunds that have been credited as the account in " purged '' and I don't know the credit card number so I can't file disputes. I am waiting on a refund from XXXX XXXX XXXXXXXX in the amount of {$1700.00} XXXX XXXX XXXXXXXX 's case number is XXXX. XXXX XXXX  sent me documentation that they did refund me {$580.00} on that card. There are still other charges that I anticipate will be refunded within the next month to this credit card which will be over {$2000.00}. I am at a loss. Chase tells me there is nothing they can do for me as I don't have the full account number but they have taken away access to all statements where I could obtain that account number.
Consumer complaint received 2018-03-28
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (VA)

Ive tried on several attempts to dispute these issues with Experian. XXXX XXXX account has been closed since at least 2012. Its been paid off and Ive disputed with the original creditor and they have stated they are not reporting to the credit bureaus as it shows. Ive tried on several occasions to dispute it with Experian but its never been resolved and claimed its been disputed. There are also two derogatory accounts from XXXX that are still reflecting my credit report. Ive disputed on several occasions and these accounts are still reflecting my credit report. They claim to have dispute but the outcome still shows the same results. I would like proper validation as to what the XXXX has sent them. Ive sent letters but still have not got a response back.
Consumer complaint received 2017-08-02
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. (NY)

I have two reports from Equifax from today, on the same XXXX XXXX account, the report I got from XXXX that is showing payment status, as pays a agreed. Vs. the other one which I got from Equifax credit monitoring site, showing it between negative accounts and that it 's been delinquent for 120 days. Absurd!
Consumer complaint received 2022-09-13
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. (GA)

In accordance with the fair credit reporting act convergent account # ending in 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.

15 U.S.C 1666B : A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2020-07-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (TX)

account was placed on my credit report as a collection, I disputed with the credit bureau and it came back as accurate, I spoke too many times with the collection agency and they were rude and won't help me or verify any information. 
I called the collection agency on XX/XX/2020 and I asked for the name and he gave me a different spelling name but it's similar to mine.
Consumer complaint received 2018-03-28
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA (CA)

My XXXX grant was unfairly converted into a loan, even though I am still a XXXX XXXX in a low-income XXXX and sent in all of my proper paperwork/certification of XXXX. 

On XX/XX/XXXX and XX/XX/XXXX an email went to my junk folder with the subject, " A new message is waiting for you to view. '' I received no other communication that requested my verification of XXXX. 

On XX/XX/XXXX I received an email updating my on the status of my grant that converted into a loan. I sent in my signed verification forms, and on XX/XX/XXXX I received an email stating that my form was received. I sent the form again because my account still showed my grant as a loan, and on XX/XX/XXXX I received an email confirming that my form was received. 

On XX/XX/XXXX I emailed asking why my grant was in repayment, despite sending in the proper forms. On XX/XX/XXXX I received a response that my XXXX  grant converted into a loan after I failed to send my certification to their due date, and it can not be converted back in to a grant. 

On XX/XX/XXXX I began paying the " XXXX Loan '' even though I am teaching science in a low-income school as per the agreement.
Consumer complaint received 2020-08-28
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: VW Credit, Inc (OH)

I have a loan with XXXX XXXX XXXX and VW CREDIT. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX XXXX and VW CREDIT with no successful resolution. There was definitely an error on their part
Consumer complaint received 2022-01-07
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I have been disputing this debt since XXXX. The original creditor is XXXX XXXX which was my former employee for almost 20 years. Almost our entire site was laid off XX/XX/XXXX. I was paying my XXXX XXXX credit card with severance until it ran out. I called late XXXX XXXX about settling account and the CAP ( customer assistance program ) and was told I could not because I was current. I needed the account to be delinquent to do so. They would not allow me the hardship plan even though I didnt have a job and hadnt been approved for unemployment. Then XXXX happened in XX/XX/XXXX. I called back and tried to get a settlement but could not afford the amount plus I didnt agree with the negative or derogatory credit rating it would give me. I called and wrote complaints to the office of the president with no resolution. A year later and they sell my account to a debt buyer and delete their reporting from credit bureau. Now, I receive an update from the credit bureaus of a major derogatory impact from the debt buyer. I have not received any calls, messages or letters from them. I continue to dispute this as XXXX  should not have sold this account while I disputed. I worked in the recovery department and saw they bent over backwards for customers who in fact owed but complained and threaten their reputation. I was drowning and asking for assistance and they refused to help me. No Covid relief or hardship help, all because I was current at the time. 

Riddle me this, why would I as an excellent customer with no late payments intentionally damage my own credit? Who does that? I was proactive and reached out for help. I could not afford it then and cant afford it now. Covid still exists. I have twin sons in college and I can not pay this debt. Its settlement or bankruptcy which I dont want to do but will be left with no other choice. 

Im disappointed that in this day and time, companies seek to make life harder for others. It should not be allowed. 

No attempts to reach me. No letters and if calls were made, there was not a single message left regarding this. 

Again, I dispute this debt. XXXX should never have sold a debt in dispute. They know better.
Consumer complaint received 2017-08-02
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

We made two payments on our Capital One Credit card to XXXX XXXX on X/X/17 for hotel reservations and membership to XXXX XXXX. XXXX XXXX never acknowledged or sent confirmation after we made several attempts to ask the merchant to give us the services we paid for. Within the 90-day period, we made a formal complaint to Capital One Credit card. Capital One began arbitration with XXXX XXXX. XXXX XXXX sent their documentation including a false document that stated we did get a reservation. Capital One also called XXXX XXXX on XXXX XXXX,2017. They asked XXXX XXXX had done what they said they would and XXXX XXXX send yes. Based on this, Capital One said the merchant did do as agreed upon. XXXX XXXX lied and denied that we had cancelled our contract. Attached is all of the e-mails, communication with both XXXX XXXX and Capital One. I also included the e-mail that shows we cancelled our contract with XXXX XXXX.
Consumer complaint received 2022-01-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I am the victim of identity theft I have recently have information to believe that my identity has been compromised I was recently engaged to someone who has access to my personal information and have reasons to believe accounts where open or have been maintained without my consent or prior knowledge
Consumer complaint received 2020-07-22
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (VA)

I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.
Consumer complaint received 2020-07-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (MT)

To : Specialized Loan Servicing LLC/CMC Funding XXXX. XXXX  XXXX XXXX, CO XXXX I am writing to request correction of the error described below in regard to the mortgage on my property at : XX XXXXX Road, XXX XXX, XX XXXXX. 

I have been notified by the XXXXXX County Treasurer that your company failed to pay the following expenses from my escrow account : Property taxes : in the amount of {$1200.00} which was due on XX/XX/XXXX. 

I have been notified by the XXXXX County Treasurer that there are now late charges in the amount of {$24.00} and total accrued interest of {$17.00} XXXX as of XX/XX/XXXX ) for a new total due of {$1200.00} by XX/XX/XXXX. I fully expect Specialized Loan Servicing LLC to pay this added expense on our behalf. 
Please remit payment to : XXXX County Treasurer PO Box XXX XXXXXX XXXX, XX XXXXX A property tax lien is pending on our property and will go into effect as of XX/XX/XXXX if you do not, once again, remit payment on time. Please properly disperse the funds that we have already paid to you from our escrow account to the XXXXXX County Treasurer. 

We have called multiple times in an effort to get you to pay our taxes from our escrow account before the due date was passed. These calls were placed from XXXX through XXXX in an effort to seek a resolution. Our property and names have been published in the local newspaper as delinquent taxpayers due to your negligence and breach of fiduciary duty. This error needs to be addressed well before the deadline of ten days.
Consumer complaint received 2023-01-27
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. (TN)

In XXXX, I received a XXXX form after settlement of XXXX XXXX XXXX XXXX. A copy of this XXXX form was forwarded to TransUnion informing them that the alleged debt was settled and that the item was now considered income by both the IRS and TransUnion guidelines, and should therefore not be on the credit report. Case law that backs this up is : Discover Bank vs Shimer, 36 Misc 3d 1214 ( a ) the court found consistent with other courts opinions : A debt is deemed canceled under the IRS regulations when a creditor stops collection activity after a defined period pursuant to an established business practice. Id. A creditor typically does so in order to take advantage of IRS rules allowing tax deductions for " bad debts ( XXXX ). Such actions by a creditor, in turn, may render it inequitable to allow it to belatedly enforce the alleged debt after it received the tax benefit of the " charge-off. '' and CACH LLC v Fatima, 2011 NY Slip Op 51510 ( Dist Ct Nassau Co. ), citing In re Welsh, 2006 WL 3859233 ( Bankr Ct ED Pa 2006 ), quoting In re Crosby, 261 BR 470, 474 ( Bankr Ct D Kan 2001 ) '' The actual ( or at least potential ) tax consequences of the form make it inequitable to allow the [ creditor ] to enforce its claims against the debtors '' and AmTrust Bank vs Fossett 223 Ariz 43XXXX ( issuance of Form XXXX after debt was written off is " prima facie evidence '' that debt had been discharged by creditor ) and Franklin Credit Mgmt Corp vs Nichol 2001 the court concluded that it would be inequitable for the defendant to incur tax consequences as a result of the form XXXX and to permit the plaintiff to continue to hold him liable for the debt. All of these cases apply in this instance, stating in essence that any debt forgiven via a XXXX is no longer considered collectible debt but rather income that is taxable to the account holder and therefore should not be listed on credit reports.
Consumer complaint received 2020-10-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (AZ)

Well in a nutshell the problem started in XXXX when Amex lowered my credit limit from XXXX $ to XXXX . My account was paid in full and never had a missed a payment. I've been a member since 2017 and have a fico score over XXXX. Their reasoning for the XXXX THOUSAND dollar reduction in my limit was because of a soft inquiry from XXXX..initiated by them not me. 
I find this to be fraudulent and having to do more with covid-19 and a possible credit rush than me and my situation. If anything my credit is better now than in 2017.
Consumer complaint received 2018-07-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Systems International, Inc. (GA)

Credit Systems international Date : XX/XX/XXXX- {$310.00} XX/XX/XXXX- {$33.00} I have disputed this account with the company and the credit reports several times. The XX/XX/XXXX for {$310.00} has been removed several times and added with different dates and/or amounts. The XX/XX/XXXX was added and deleted several years ago, due to the creditor not being able to verify the account. I have sent the company a debt verification letter to verify the account, the company has not responded.
Consumer complaint received 2020-05-13
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: CITIBANK, N.A. (NC)

XXXX is reporting I have an account with them and I have never had an account with them. 

Citicard Cbna has an account on my credit and I have never had an account with them. 

XXXX XXXX has an account on my credit and I have never had an account with them.
Consumer complaint received 2020-07-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC (FL)

Just checked my credit score and I see a new collections account with Security Credit Services. The original creditor says XXXX XXXX, XXXX. The alleged amount owed is {$350.00} and the alleged date opened is XXXX XXXX. I have never heard of Security Credit Services or XXXX XXXX XXXX and I certainly have not leased anything. This needs to be removed off of my credit immediately as this debt does not belong to me.
Consumer complaint received 2021-09-14
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: AMERICAN HONDA FINANCE CORP (OH)

I purchased a XXXX XXXX XXXX  on XX/XX/XXXX from XXXX XXXX in XXXX, Va. I traded the XXXX XXXX  to XXXX XXXX in XXXX, PA for a XXXX XXXX XXXX XXXX pickup truck on XX/XX/XXXX with the agreement to payoff my XXXX XXXX loan as part of the deal. While seated in XXXX dealership they did call XXXX XXXX on XX/XX/XXXX and received a 20 day payoff amount of {$28000.00}. XXXX mailed a check to XXXX XXXX on XX/XX/XXXX to meet the 20 day payoff, and the check was processed on XX/XX/XXXX for the amount of {$280.00} not the amount of the actual check sent. 

I have called XXXX XXXX on numerous times to resolved the discrepancy and I am stonewalled and sent to the collections department. 

I went back to XXXX XXXX and talked to the manager in the accounting department XXXX at ( XXXX ) XXXX and he was told on XX/XX/XXXX the issue is being reviewed and given a case # XXXX. At this point my account # XXXX is in collections department. 

I am reaching out to your office to help resolved this issue and send the title to XXXX XXXX to complete the deal, and show my account paid-off. 

Kind regards, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-03
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

XX/XX/2021 account # XXXX. At XXXX XXXX I called Capitol One to pay off a debt. I was previously given a settlement amount of {$1100.00}. I spoke with Rep. XXXX XXXX and he went over the payment authorization of {$1100.00}. XXXX informed me that I would be prompted by an automated system to enter the last 4 digits of my SSN and he would return to the call to finish processing the payment. The phone call disconnected immediately before I could enter my social. I checked my bank account and it had a withdraw of {$2000.00} from Capitol One. I contacted Capitol One promptly to correct the mistake. Rep. XXXX XXXX stated she documented the call and it will take 14 days to refund the payment. I requested proof of documentation regarding this matter to be sent to my email and I have yet to receive anything.
Consumer complaint received 2022-10-06
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: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

In accordance with the " Fair Credit Reporting Act '' this creditor has violated my rights. Under 15 USC 1681 SEC 602 states, " I have the right to Privacy ''. 15 USC 1681 SEC 604a SEC 2 it also states the consumer reporting agency can not furnish an account without my WRITTEN instruction. 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer plan as late for ANY PURPOSE.
Consumer complaint received 2021-07-16
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. (NM)

The following information/ accounts are inaccurate and need to be removed from my credit report immediately. 

FCRA VIOLATION SEE BELOW / SEE ATTACHMENTS wrong names - please remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX wrong addresses - please remove XXXXXXXX XXXX XXXXXXXX, NM XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, NM XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NM XXXX SINGLE FAMILY XXXX XXXX  XXXX, NV XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, NM XXXX SINGLE FAMILY wrong phone numbers - please remove ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX wrong employer - please remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX PLEASE REMOVE THE FOLLOWING ACCOUNTS : XXXX XXXX XXXX Account Dispute Reason Selected Edit Not mine or No knowledge of account Comments Edit not mine, please remove from my report RemoveXXXX XXXX XXXX Account Dispute Reason Selected Edit Not mine or No knowledge of account Comments Edit not mine, please remove RemoveXXXX XXXX XXXX Account Dispute Reason Selected Edit Payment never late Comments Edit payment never late, please fix XXXX XXXX XXXX Account Dispute Reason Selected Edit Not mine or No knowledge of account
Consumer complaint received 2022-04-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Quality Recovery Services, Inc. (FL)

I moved in XXXX XXXX XXXX XXXX on XX/XX/16. There were repairs that needed to be completed on the apartment. While staying in the apartment with my young daughter and husband we experienced many unresolved issues. Cold nights no heater. Then hot on hot days no a/c, also water damage. The above apartment bathroom water would drain all down my bathroom walls. I continued to complain and speak the the office manager at that time XXXX XXXX. Once she came to my apartment and saw all damages she advised it would be fixed however that was not done. I told her I would be moving out due to the conditions she told me to provide a letter and that this would not go on/impact my credit. No one never reached out to me. I saw a debt collector on my credit report when called to find out what was going on I was shocked that it was for XXXXXXXX XXXX XXXX. The representative advised I do not owe rent but I owe a fee for not giving enough notice that I was moving out.