davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO. (CA)

XX/XX/XXXX I recently cancelled my XXXX rewards credit card after 7 years with Chase and that credit card. The reason I cancelled was due to receiving a marketing email letting me know that my account benefits were changing, without my consent. After I cancelled I requested a refund on my annual membership fee ( pro-rated ) as XXXX changed their policy benefits mid-cycle. As a customer, I have the right to cancel my card and received a pro-rated refund. After wasting over an hour of my time on this, I still have had no luck with their horrible customer service ( mentioned I paid my annual fee in XXXX and they don't do refunds ). 

Customer care incorrectly mentioned that I did not have to change my card or benefits but as you can read below, they are chaging their TOS. As a customer I have the right to decline new TOS and should get a pro-rated refund on my annual payment as I am not the one who is changing the TOS. 

Full email here : Your XXXX XXXX XXXX Credit Card benefits are changing. 
Your account ending in XXXX Dear XXXX : Thank you for your loyalty as a Cardmember. We're letting you know that your XXXX XXXX XXXX Credit Card will have updated benefits. 

Your card will have updated benefits Beginning XX/XX/XXXX, the Free Night Award you receive every year after account anniversary, will be valid for a one-night hotel stay at a property with a redemption level up to XXXX points. This replaces the category 1-5 certificate you previously earned each account anniversary.1 Coming in XXXX, you will receive 15 Elite Night Credits each calendar year instead of the 15 Elite Night Credits you received every year after your account anniversary.2 Also, beginning XX/XX/XXXX, if you have more than one XXXX XXXX , XXXX XXXX XXXX, or XXXX XXXX credit card, you will only receive a total of one 15 Elite Night Credits benefit per calendar year, which will be credited to one of your XXXX Loyalty Program accounts.2 Please visit chase.comXXXX for the updated terms and conditions. 

We hope you enjoy all the updated benefits of your XXXX XXXX XXXX Credit Card. If you have questions, please call us anytime at the number on the back of your Card. 

Sincerely, XXXX XXXX General Manager Partnership Marketing Chase Card Services
Consumer complaint received 2022-09-14
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (TX)

In XXXX of XXXX we called to get help with our mortgage payment as my husband was laid off due to XXXX lay offs he was laid off on XX/XX/XXXX of XXXX the next day my mom passed away and also in XXXX of XXXX my XXXX  grandson was XXXX the XXXX XXXX XXXX  All was brought to Carrington Mortgage as alot had happened in this three months also my XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX when we spoke to them i thought they were really helping only to find out that the modification was for a year and were gon na be required to pay a ballon pymt of XXXX by XXXX XXXX XXXX since then we have stressed about how we are going to get this money. Carrington saw the equity in my house and are hoping that we would default and they can sell my house and make money. They were never worried about us saving our house. They were looking out for carrington Mortgage not us.
Consumer complaint received 2024-05-18
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Newport Intermediate Inc. (CA)

I received a payment in the form of a prepaid gift card for participating in an opinion survey. The XXXX prepaid e-gift card was issued on XX/XX/XXXX in the amount of {$170.00} by XXXX ( now called mypaymentvault ). I used the card twice XX/XX/XXXX for {$39.00} payment to XXXX and on XX/XX/XXXX for {$2.00} to XXXX XXXX Register. I attempted to use the card on XX/XX/XXXX at XXXX establishments and both were declined saying card was expired. This is less than 7 months after the card was issued to me! That means I am losing {$130.00}. Forfeited! Who gets to keep this money? Seems like a scam that a company can keep money with no reminder of an expiration date. I was asked for identity information when the card was activated. There is no reason a reminder or final check issue could not be made. Even if a small fee were assessed that would be more ethical than a company taking possession of unused funds, essentially stealing money from consumers. Fraudulent!!
Consumer complaint received 2022-09-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (MD)

My student loan servicer was XXXX XXXX XXXX. I switched to this loan servicer in XXXX because I wanted to participate in PSLF. In XX/XX/XXXX I became eligible for loan forgiveness because I made XXXX eligible payments. Shortly after receiving notification from XXXX XXXX that I received my trophies ( XXXX ) payments I received correspondence from XXXX that my loan would be transferred to Mohela because their contract wasnt renewed with the US Department of Education. I immediately reached out to inquire if I could remain with XXXX instead of being transferred. I was told that all of loan information including the eligibility for loan forgiveness would transfer to Mohela. My loan transferred to Mohela on XX/XX/XXXX and I wasnt able to view my account until XX/XX/XXXX. Im able to view my account and can see the XXXX payments on the dashboard for TEPSLF and XXXX for PSLF. I have met the requirements for loan forgiveness but Im having to wait unnecessarily. I have reached out to Mohela and not received a response on why I still in holding.
Consumer complaint received 2018-07-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (CO)

Received a letter stating that one of my busIness accounts was being closed. When I called the bank they said that they did a review and decided that they decided to stop doing business with this entity. The problem is that this entity is a holding account and the the owner of another account ( and credit line ) with the same bank under the same group ID. They said that there was nobody to talk to, there were no notes, and there was not explanation- just that they decided that they didnt want our business any longer.
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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have accounts on my credit report that i have filed a police report for gave you the report number nothing was done. gave you identity theft affidavit signed by the deputy, but nothing was done. I told you someone made a fake id, and my information was stolen while i was in jail nothing was done. Next, I'm going to file a lawsuit against you for failure to do proper investigation to see I'm telling truth if it's it not permanently deleted off my report immediately. 
THE CASE NUMBER is XXXX with the XXXX XXXX XXXX XXXX XXXX THEIR NUMBER IS XXXX. 
THE ACCOUNTS ARE ( XXXXOPENED ON XXXX CREDIT LIMIT IS {$600.00} ) ( XXXX XXXX XXXX XXXX OPENED XXXX XXXX CREDIT LIMIT IS {$5000.00} ) ( XXXX XXXX-OPENED ON XXXX CREDIT LIMIT IS {$500.00} ) ( XXXX-OPENED ON XXXX CREDIT LIMIT IS {$5000.00} ) along with all the inquiries
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX
Consumer complaint received 2022-01-07
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. (FL)

I lost my wallet somewhere in XXXX XXXX ever since I lost it years later I found out my credit history is weird so I contacted the credit bureau like XXXX, experian, XXXX for years they never do anything about it so thats why Im here making this complaint on those companies.
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. (TX)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within so they should be deleted promptly. I demand these accounts to be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-07-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Finance System of Richmond, Inc. (MI)

{$55.00} XXXX bill from 2017. I paid this bill directly to the XXXX   company now collection agency Finance System will not remove from all reporting bureaus. Removed from all but XXXX even after numerous disputes from me asking to remove
Consumer complaint received 2022-09-14
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2020-08-24
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: ALLY FINANCIAL INC. (MI)

I did not authorize a credit pull from this company ( I've never even heard of this company ) and they're reporting an artificially low credit score by over 250 points lower than the reputable credit reporting agencies. 

One of the denial reasons for this report was " Distance between address and area code of phone '', while my address is exclusively within the boundaries of the area code that I carry. 

When attempting to access my report and subsequently freeze, the company is requesting copies of drivers ' license and social security card, which I will NOT provide to them, as they seem like an illegitimate company that was utilized by Ally for improper credit denial.
Consumer complaint received 2018-07-06
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (CA)

I just got off the phone with Navient, better known as the student loan servicer from XXXX. They call me repeatedly about being behind on my private student loan. I have been reaching out to them every since XX/XX/2018, before the loan increased from XXXX to XXXX to let them know that I am currently unemployed and am unable to keep up with this loan increase. Their reps responded via phone stating that their guidelines now require them to deny anybody a income based program offer if the payment increase is below XXXX. I am tired of being harassed by them with automated phone call. They call me daily at XXXX XXXX   saying by recorder please call XXXX and they can help. However, when I call them, they are unable to help me. I just spoke to XXXX on XX/XX/18 and she told me the same thing however she told me about forbearance which I was never notified of. They probably have more programs but are not offering them to consumers.
Consumer complaint received 2020-08-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I filed a dispute with the credit reporting agencies in regards to a re investigation for inaccurate information reporting on my credit reports. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. My initial dispute was sent on XX/XX/2020 & the 30 Day demand to comply was sent on XX/XX/2020.
Consumer complaint received 2018-07-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BANK OF THE WEST (CA)

i have had a checking account with bank of the west since late XX/XX/XXXX early XX/XX/XXXX and a safe deposit box for about 30+ years. every year i get a bill for the safety deposit box and when i receive the bill i pay by mail or check in person. i received a letter from bank of the west on XX/XX/XXXX advising me that they would take out the payment for my safety deposit box automatically on XX/XX/XXXX without my authorization. i have never given bank of the west permission to take money from my account. they just decided on their own that it was ok to take my money. i spoke with the bank manager of the XXXX XXXX XXXX and his suggestion was that i could surrender my safe deposit box an move on.
Consumer complaint received 2024-05-24
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: V and H Portfolio (FL)

On or about XX/XX/year> I received information on my phone stating I had a new debt collection on my credit report. This information was from XXXX XXXX and it stated the collection agency was Vance & Huffman. So I looked up the phone number, to the company and called. I tried to explain to them that I didn't understand the nature of business we had with one another. When they verified who I was, they stated they were the new owners of a so called prior debt that they accused me of. I told them I didn't know what they were talking about and I have no collections on my report because I pay all my bills on time and no late payments. I also informed them we have no business contract of any kind between the both of us. They were also informed they have ruined my credit. When I informed them I would be reporting this debt to the CFPB and other 's they became very rude and obnoxious. When transferred to the manager, it became worse .... I stated my concerns and informed him what I said to the previous individual and he became very loud and did not want me to say much of anything. We kept going back and forth and I informed him several times they had up until noon the next day to remove themselves from my credit report or else I would report them and file suit. I informed them I was attaching a debt validation letter to this complaint and they started rambling about some old bills they have as proof. I told them I didn't know anything about those and that's not a validation of the debt and doesn't show proof I have any business with them or a legal obligation to pay them any money. They also accused me of being rude and threatening to them. I informed them I was not threatening them just stating facts. I don't understand how they figure it's okay for them to ruin your credit and you are suppose to be happy? Not to mention they are using an old address that I have not lived at in over XXXX  years. I'm in an entire different state.
Consumer complaint received 2020-05-12
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. (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. XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00}
Consumer complaint received 2018-07-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (CA)

I have called at least 10 times since XX/XX/XXXX and I have two unresolved problems : ( 1 ) escrow payments being added to my loan without reason and ( 2 ) an insurance policy that should have been refunded, but has not been refunded. ( 1 ) Escrow - I have been charged {$69.00} per month on my loan for escrow that should not be on my loan. I have been charged monthly for the past six months ( XX/XX/XXXX-XX/XX/XXXX ). I would like the escrow to stop and be refunded the balance ( {$460.00} ). ( 2 ) Insurance - an insurance policy was put on my loan that should not have been there ( policy put in force in XX/XX/XXXX and ended in XX/XX/XXXX ). The insurance policy was canceled by the company, but I was not refunded the full amount of the insurance policy ( roughly {$60.00} still needs to be refunded ). I have proof of my own insurance policy that was in force.
Consumer complaint received 2018-03-27
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc. (TX)

Procollect is a third-party debt collector located in XXXX, Texas. My daughter leased an apartment with XXXX XXXX in XXXX, Texas. While living there, her upstairs neighbors had a water leak that caused damages to my daughter 's apartment. She notified the apartment complex management, and they attempted to fix the damage. The carpet in one of the rooms was soaking wet and the complex attempted to dry it out. After she moved out, the apartment complex stated that she owed them for the cost of the carpet ( {$250.00} ). She denied being the cause of the damage. The apartment complex sold this debt to Procollect. I was the surety on the apartment lease. Since the damage was caused by XXXX XXXX 's negligence, I told Procollect that XXXX XXXX was at fault and we were not responsible for the damage to the carpet. I sent Procollect documentation regarding this. Procollect says that it is a valid debt.
Consumer complaint received 2020-08-24
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

XXXX XXXX XXXX changed the AGE DATE of ( 2 )  debts appearing on my credit reports to XXXX and XXXX from original dates of XXXX and XXXX, respectively, knowing both were currently OUTSIDE THE STATUTE OF LIMITATIONS since appearing on my report in XXXX. The agency known as XXXX XXXX at that time originally reported his dept to XXXX, XXXX and XXXX. I have disputed these numerous times through XXXX XXXX, each of the credit reporting agencies separately in writing and electronically, yet this agency has FAILED TO PROVIDE DOCUMENTATION about these debts, refuse to adjust the age date AND CONTINUE TO CHANGE THE DATE OF COLLECTION. They have recently changed the age date from XX/XX/XXXX to XX/XX/XXXX on one of these accounts that they refuse to have removed from my credit reports! I have not contacted them directly in any way prior to XXXX because when I do they reset the clock on the age date of the accounts. Additionally they have threatened me, used foul and abusive language and deceived me into believing they can garnish any of my income.
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: OLIPHANT FINANCIAL, LLC (PA)

I asked this company to stop communicating with me, specifically by reporting on my consumer report an alleged debt that has been deemed unverified as per Federal law Pursuant 12 CFR 1006.34 ( c ) due to the fact that you did not follow ( are still are not following ) federal law. Once again You are reporting a debt tht can not be verified plz stop. Due to the deceptive practice With your pre-generated answer to my cfpb complaint its evident you will not comply to my request, and you will continue to violate and circumvent the FCRA with these prefabricated responses but still ignoring consumers requests.