davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-04
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Collection Bureau of America Ltd. (CA)

I Would like to report this collection company that has damaged my credit for a very long time. 
I was a patient with ( Original creditor : XXXX XXXX XXXX XXXX She was my dentist. 
I am a full-time XXXX at XXXX XXXX and I have excellent dental and health insurance. I presented my dental insurance card to my dentist and I assumed that she would apply all the charges to my insurance and send me the bill if any.The front desk of the dentist office had all my phone numbers and my address I never heard from them. 
All of a sudden this collection company put this unknown bill on my account and I called my dentist, which is XXXX XXXX XXXX and told her that my insurance company was to pay that and I gave you my insurance card before you started the procedure. 
This collection company has damaged my credit for too long well I don't owe them any money and they did not send me a letter to let me know what the problem was so I could have resolved this issue before it was put on my credit report.This collection company also updated the balance this month which is incorrect and it is damaging my credit.
Consumer complaint received 2020-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

Experian have not and will not add my proper address after I've sent the required information via mail ; therefore, causing my credit score to not be available for the past year. This error has prevented me from optioning credit to get through the global pandemic.
Consumer complaint received 2016-07-19
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (GA)

I am not certain that you are the correct contact or if you could assist me in finding the correct department. 

I have a {$5700.00} check that I just found un cashed in a file. The check was issued by XXXX Chase Bank which is now Chase. I have sent the bank copies of the check and have spoken to several departments and they ultimately told me to check unclaimed property in Georgia and if the funds were not there they could not help me. I was told that they do not have to re issue stale checks or honor them, and also the records from 10 years ago were no longer available. 

These funds were not in unclaimed property, but as I understand it XXXX Chase or Chase would have been responsible to deliver the funds to the Georgia Treasury after three years. And their non compliance with this rule could result in fines for Chase. I simply do not know where to begin. 

The house which was re financed is in XXXX, GA, my husband and I are still married and live in this house. I even went through my bank statements to look for having possibly deposited the funds in some other manner. I actually did not have all statements, but of the ones during this time frame which I do have do not indicate that this was the case. 

Honestly, it would seem that the burden of proof is on Chase, as I clearly am in possession of an un cashed check. 

Ten years ago was the big bank merger and acquisition time, and too big to fail was on everyone 's lips, but I feel strongly that although the error was my own I would still be due the funds. They certainly have the records somewhere. 

Please let me know if you are the correct contact, or to whom I might speak about nicely getting Chase to comply. Also, thank you in advance for your assistance. 

Sincerely, XXXX XXXX XXXX XXXXXXXXXXXX
Consumer complaint received 2017-04-26
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (UT)

To whom it may concern : In  XXXX   2016    I was engaged in trying to get a loan modification with  Select Portfolio Servicing a nd they denied me and gave me the run around. They denied and would n't approve me for a loan modification. I .hired a real estate agent and they started to market the house for me so that I would n't lose it to foreclosure. We placed it on the market with a real estate agent so that I would n't lose the equity to foreclosure. I currently have a bonefide offer on the property, with proof of funds from a qualified buyer. I have included with this, proof of funds, settlement statements, real estate purchase contract with addendum 's. Every time we have called and tried to get a postponement and sell the house they tell us they wo n't postpone the trustee sale. I 'm paying the loan off in full and they are not allowing me to sell the property and get my equity. I feel they have been very deceitful, dishonest, and misleading me for the past 6 months. Please help me postpone the trustee sale so that I can sell the house and pay off all lien holders in full.
Consumer complaint received 2024-03-19
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC (TX)

I received a letter from Sunrise Credit Services , INC debt collector on XX/XX/2024 trying to collect a debt that saying I owe to XXXX XXXX XXXX XXXX for the amount {$1800.00}. I don't have any knowledge of this service of att mobility this account was fraudulent open in my name and, stop all calls, emails and text message that's being made by Sunrise Credit Services debt collector.. thanks
Consumer complaint received 2023-03-30
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. (CA)

I have disputed a collection from XXXX XXXX XXXX XXXX in my Experian credit report because the delinquent XXXX XXXX XXXX account does not belong to me. The account is opened by my tenant, and I don't how the account is a joint account with my name on it because I have not signed any contract. I have submitted an email to Experian showing that my tenant has agreed to paid off the balance. I don't know if she will eventually pay it off, but this is evidence that I'm not responsible for this account or balance. My credit score is lowered at no fault of my own. Experian 's dispute results stated that the collection is " Remains '' as of XX/XX/2023, and the collection is not removed. How could Experian verify the collection without requesting for the signed contract? What laws states that the landlord is responsible for the actions of the tenant? Experian is blindingly taking XXXX word without requesting for hard evidence. Experian is complicit in this fraud and harassment.
Consumer complaint received 2016-03-01
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO. (IL)

J.P. Morgan Chase provided out of date information regarding refunds on upfront mortgage insurance in regards to my FHA loan. The FHA Homeowners Fact Sheet paperwork they send is over 14 years old ( XX/XX/XXXX ) and the current version that includes the update to the eligibility for a refund of upfront PMI costs was updated in XX/XX/XXXX. Due to the fact that they did not provide accurate information I was left believing that I could get a refund of my upfront premiums if I refinanced to a conventional loan within the allotted time period. I even tried to refinance through them, but due to a horrible customer experience I ended up refinancing with another lender, and this makes me even more happy that I did. The update in XX/XX/XXXX only allows a refund now if you refinance into another FHA loan ... thanks for nothing Chase.
Consumer complaint received 2022-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

There was a secured credit card with XXXX XXXX XXXX which I opened XX/XX/XXXX. The account number in reference is XXXX. 

There are several discrepancies being reported to each of the 3 credit reporting agencies. 

The first discrepancy is that when I initially opened this account ( completely online ), I only placed a {$100.00} security deposit for the secured credit card account. This does reflect my statement with the account being reported with a {$100.00} credit limit to the credit reporting agencies. 

The next discrepancy is that the account only has ever had a high balance of {$110.00} which exceeds the credit limit of {$100.00} applied to the secured card as a deposit and final payment should the account be closed. 

XXXX XXXX XXXX  reports that this account is in a charge off status as of XX/XX/XXXX with a past due amount of {$61.00}. 

If the past due amount is {$61.00} and the only highest amount is {$110.00} that the account has ever been then this would settle the account in full. 

I also received a notification via e-mail in XXXX stating that my account had been closed and XXXX XXXX XXXX would direct deposit {$75.00} due to closure. I received the {$75.00} then I have this account reflecting as a charge off on my account. There are obviously several discrepancies that are carelessly being reported to the credit reporting agencies based on this information.
Consumer complaint received 2017-04-26
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (NY)

In  XXXX    XXXX  , I had a {$.00} credit on my Victoria Secret bill.   On  XXXX , I made a {$8.00} purchase, I therefore believed my balance to be {$8.00}.   On  XXXX , I paid {$8.00} because that was the balance on my account when I had called.   I did not remember that a {$.00} charge for Assure insurance was being billed to me on  XXXX . So when I paid my bill on  XXXX , I was {$.00} short.   The next bill arrived and I was charged a {$8.00} late fee for failing to pay {$.00}.   I called to complain that I was not late with payment because payment was not due until  XXXX . I did make a payment before the due date.
Consumer complaint received 2017-02-28
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Nelnet, Inc. (OK)

My wife XXXX and I took out a personal loan with XXXX Bank to be serviced by Firstmark Services. We received an email ( attached ) that explains our loan was accepted on XXXX XXXX 2017 at XXXX. We called Firstmark to discuss the payments only to find out the first payment is due on XXXX XXXX. Only 27 days after finding out our loan was approved. We spoke with a representative who told me they can not change the date due as it 's set between 30-45 days after the loan is approved. Unaware XXXX only has 28 days that put their current methodology 5 days short of their own practice. It also put us in a bind having to make a payment not around paychecks. We were then incorrectly told to speak to XXXX to change the date. We called them and were told they could n't change it and that Firstmark needed to. So I asked what the grace period was. I was promptly told " your loan has no grace period ''. I asked to speak to a supervisor knowing what she told me was illegal and wrong. They were gone for the night. I then called Firstmark back repeating the information that XXXX ca n't change the payment date but Firstmark would need to. They said a supervisor would call in 24-48 hours. I called back the next day and was told by XXXX supervisors the payment date ca n't be changed period. So the previous 30-45 day statement turns out is n't true either. At last the company tells me the systems have crashed at both XXXX and Firstmark.
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

XXXX and EXPERIAN is obligated by the FCRA to report accurate accounting. Consumer has advised ALL the inquires reported was fraud. Said company had four business days according to LAW to remove such items. FTC fraud report was filed on behalf of consumer, consumer is now requesting XXXX AND EXPERIAN to provide the documentation used to determine inquiry was indeed authorized by the consumer, XXXX  AND EXPERIAN has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signture. consumer is Not asking for an e-oscar report. If XXXX AND EXPERIAN does not have documentation to show these were in fact authorized it must be removed asap. SAID company is liable under the SEC to follow certain rules. XXXX Commission file number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX 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 XXXXXXXX I will be filing form 211 treasury omb forms to audit consumers account. 
XXXX is securitizing consumers data yet refuse to provide consumer a copy of their CONSUMER FILE NOT CONSUMER REPORT. 

***PER THE FCRA, AS A FEDERALLY PROTECTED CONSUMER, I AM NOW OPTING OUT OF ANY AND ALL AUTHORIZATION, I THE CONSUMER MAY HAVE GIVEN YOU WRITTEN, UNWRITTEN VERBAL AND NON-VERBAL PER 15 USC 6802 EFFECTIVE IMMEDIATELY
Consumer complaint received 2023-03-30
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. (MA)

I sent XXXX the proof that there investigation was not done properly and they are reporting in accurate data on my report. 
Letter from the Bank advising it was not a charge off. 
Bank statements with proof of payment on the months are they reporting late. 

The account was never charged off or late. 
It was settlement due to Covid 19.
Consumer complaint received 2016-07-06
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO. (CA)

On XXXX/XXXX/2016 I requested a stop payment to be made for a pending bill of {$370.00} which I was told would be handled, and I was charged a {$30.00} stop payment fee. On XXXX/XXXX/2016 the charge of {$370.00} was then debited from my account. When I called in the the customer service team, I was told by the XXXX rep that the charge was only pending, and would not clear, however, the call was dropped. When I called back in I was told by a XXXX representative that the stop was not completed correctly, as the charge was not an ACH transfer and that it would not be enforced. Upon request I was then connected to a supervisor who told me again that because the stop payment was not entered correctly it would not be enforced - but that I could file a claim with the claims department. I was then transferred to the claims department who said that a claim couldnt be placed and I would have to request a refund from the merchant directly. This now leaves me with a balance that is {$300.00} short of my rent check that was delivered this morning, which means that check will bounce and I will then be charged NSF fees by both CHASE, NA and my landlord causing me even further financial hardships. Had I been notified by the Chase customer service rep on XX/XX/XXXX that the could not put a stop payment on non ACH payments, I could have attempted to make other arrangements for the money, however, due to the failure of the Chase customer service team to properly train their staff on their policies and procedures I am now without any other options.
Consumer complaint received 2023-03-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (KY)

I filled for unemployment two years ago during XXXX an I got it I was awarded like XXXX $ in back pay an my unemployment every 2 weeks.. they sent me a debit card an I done what I was supposed to do.. I called bank of America an the number on back of the card an it would tell me my balance but when I went to use it the card would not work.. I cal them an talked to them servil times an they would always look up my account and tell me what I had an that it would take them a few days to get it fixed. I went to XXXX over not paying my child support and a couple different times and now I'm out. I called bank of America yesterday and now they can't find my account or my money.. I have to have this money to be able to live an pay my support or I go to XXXX.. so what can I do to get my money. Or are they going to go to XXXX an do the time for me ..my phone number is XXXX an my email is XXXX. can you please help me.
Consumer complaint received 2021-06-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

In 4 separated occasions I ask for an increase of my credit limit. Last occasion was XX/XX/2021. Capital One didn't use current credit report and decided arbitrarily to utilize one from XX/XX/2021. My credit score in 3 major agencies is over 720. I never had any late payments and my income to debt ration is extremely low. I perceive Capital One is discriminating against me due to ethnicity.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: PENTAGON FEDERAL CREDIT UNION (GA)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT RE : Unauthorized inquiry to my consumer report ; demand for Deletion and {$1000.00} Settlement. 

To : Whom it may concern You are in violation of the Fair Credit Reporting Act ( FCRA ), [ 15 U.S.C 1681b ( a ) 3 ( f ) ( i )., for unlawfully obtaining my XXXX consumer report on XX/XX/XXXX without my authorization or a permissible purpose under the 15 USC 1681 Fair Credit Reporting Act ( FCRA } and its guidelines for permissible purpose.

A person shall not use or obtain a consumer report for any purpose unless ; 1. The consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section. 
2. The purpose is certified in accordance with section 1681b ( f ). Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ).

15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

I have not initiated any transaction with Credit Plus, Further, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with Credit for review or collection.

Furthermore, under the FCRA, Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both, 15 U.S.C. 1681n ( a ).

15 U.S. Code 1681q - Obtaining information under false pretenses Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.

616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] ( a ) In general. Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; Specified Remedy : Please send payment Via Check Payable to XXXX XXXX XXXX XXXX XXXX, Georgia XXXX Yours Sincerely XXXX, XXXX
Consumer complaint received 2023-03-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EOS Holdings, Inc. (NY)

XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX Account number:XXXX XXXXXXXX XXXX XXXX XXXX XXXX, MA XXXX To whom this may concern, I am writing to request the removal of unauthorized credit inquiryon my XXXX, XXXX and XXXX credit report. My latest credit report shows 1 credit inquiry that I did not authorize. 
I writing to dispute the following inquiries and asking for their removal from my credit report. 
Please have thisunapproved inquiryremoved from my credit report, please update me with a full report on your finding within 30 days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved. 
Thank you for your assistance. 
Sincerely, XXXX XXXX
Consumer complaint received 2023-03-30
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. (SC)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

There was a secured credit card with XXXX XXXX XXXX  which I opened XX/XX/XXXX. The account number in reference is XXXX. 

There are several discrepancies being reported to each of the 3 credit reporting agencies.

The first discrepancy is that when I initially opened this account ( completely online ), I only placed a {$100.00} security deposit for the secured credit card account. This does reflect my statement with the account being reported with a {$100.00} credit limit to the credit reporting agencies. 

The next discrepancy is that the account only has ever had a high balance of {$110.00} which exceeds the credit limit of {$100.00} applied to the secured card as a deposit and final payment should the account be closed. 

XXXX XXXXXXXX XXXX reports that this account is in a charge off status as of XX/XX/XXXX with a past due amount of {$61.00}. 

If the past due amount is {$61.00} and the only highest amount is {$110.00} that the account has ever been then this would settle the account in full. 

I also received a notification via e-mail in XXXX stating that my account had been closed and XXXX XXXX XXXX would direct deposit {$75.00} due to closure. I received the {$75.00} then I have this account reflecting as a charge off on my account. There are obviously several discrepancies that are carelessly being reported to the credit reporting agencies based on this information.