davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

On XX/XX/2018 I requested a cash advance on my credit card while at XXXX XXXX in XXXX, IL. I call Capital One credit card to make sure I was eligible. They said yes and then I proceeded to the Cash Advance desk that was manned by a XXXX  employee. They had me swipe my Capital One card, I requested {$2400.00} and my cash advance was denied. The copy of the denied receipt is attached. I never received the cash, yet was charged for the {$2400.00} plus an Interest Charge Adjustment of {$27.00}, plus a cash advance fee of {$51.00}. ( see my Capital One statement attached ).

I want my money back. The cash advance of {$2400.00}, the interest charge of {$27.00} and the cash advance fee.

It may seem odd that it has taken me this long to file for a refund, but I misplaced my XXXX  denial receipt and just found it. 

I do not understand how a person can be denied a cash advance, yet be charged for it. Who got the money? XXXX? A XXXX  employee? The XXXX? 

I expect a full refund immediately. 

XXXX XXXX
Consumer complaint received 2017-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Equitable Acceptance Corp (SC)

The company " Equitable Acceptance Corporation ( EAC ) '' associated with " XXXX XXXX '' is believed to be operating a fraudulent company in which has obtained sensitive information from me as well as my child. Upon discussing loan details with them, it was mentioned that they would have forgiven my loans after 3 years of paying {$49.00} a month to them to consolidate your loans. Meaning after 3 years all your loans will be totally be wiped clean. I am aware that Loan Consolidation can be done by myself without further payments so it would not make since for me to pay them for simply applying paperwork. The information on the contract is incorrect and the information in which the XXXX XXXX for this company put on my credit line is false. The Terms of agreement are false and all affiliation with EAC should be cancelled. Upon my son contacting the USA Department of Education, they have never heard of this company and advised that it is more likely a scam to fraud student out of money. Also, when viewing their webpage, their " Privacy Policy '' will not display as if they do not have one. This was a Red Flag to me. This company consciously obtained my information to commit fraudulent acts and have now attacked my credit history with an account that was opened on false pretenses. The account in which they ran against my credit is not addressed as a loan, it is addressed as a credit card. Please help me dispute this activity on my credit and report this company as fraudulent. I did not agree for them to use my information to pay them and not forgive me student debt. It has gone as far as the company falsifying information on the contract. In attempts to call and cancel with the student advisor of EAC, no one ever answers. However, when receiving calls from them, they harass you. I am a mother who helped my son through college, with another child still to complete college. I have currently disputed this with both XXXX and XXXX in hopes of removing it from my credit because it is hurting me and my credit ; also to report this company so this does not happen to any other struggling people or families.
Consumer complaint received 2021-09-10
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: EQUIFAX, INC. (NC)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.
Consumer complaint received 2017-11-20
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. (NC)

In XXXX of 2017, I noticed a collection from XXXX for {$590.00}. I had to leave my home due to a divorce, and my husband never gave me my mail so I didnt know a medical debt existed. When I discovered on XXXX I paid it immediately!
Consumer complaint received 2021-09-10
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: Atlanticus Services Corporation (NY)

the following accounts appear on my credit report, without any authorization, this is not mine, please check them XXXX XXXX XXXX  Account Number : XXXX This is not mine. 
XXXXFORTIVA Account Number : XXXX This is not mine. 

2. Identity Theft XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2017-11-20
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (MO)

The customer service provider of the loan issuer isnt providing the adequate details on what the credit score minimum requirements to be elligible for their cosigner release program along with the 12 month payment requirement but simply just denies the cosigner request without providing these adequate important details so that the customer has an idea on what is required with a minimum credit score instead of just postulating on that particular credit score number. I 've been denied twice as a cosigner loaner with AES with this terrific customer service as countless others can concur to as well.. The issue of the payment is a concern to the customer service provider and the loan issuer.
Consumer complaint received 2017-11-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (PA)

Upon checking my credit report over the end of this past summer I noticed a listing saying I owed {$1500.00}. This amount was supposedly " opened '' originally with a XXXX XXXX XXXX XXXX XXXX XXXX  company on XXXX XXXX, 2014. It is now in the hands of XXXX XXXX. I disputed this debt through XXXX by way of XXXX XXXX and when the dispute was finalized I got notification of it being removed from my report. But right after ... .I noticed that it was listed again as a debt owed to this company. Not only did I not incur this debt myself, but I was in horrible car accident ( that left me XXXX ) the month prior and was still hospitalized when this debt was supposedly opened/started.
Consumer complaint received 2022-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (FL)

I have a issue that I hope you guys can help me with. I have reached out to the credit bureau numerous times and at this point I feel like I am being totally ignored. It all started when I noticed some unauthorized inquiries and account on my credit report. I then sent letters to the credit bureau and got no response, I then reach out to them by phone. I explained what happened and the agent told me that they can not remove anything from my credit report with out a police report, So I went and got a police report and sent it to them and still nothing. I then did a FTC report and sent that and I see some of the Inquiries came off but the account and some inquiries stayed on. then one day I am watching the news and I see XXXX saying they have been reporting the wrong information so I immediately go and check my credit and I see my score drop and the inquiries that came off back on and plus double Inquiries as well. the inquiries and account is as follow : ACCOUNTS : ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-03-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (IL)

Dear Sir / Madam I applied new credit card - XXXX EveryDay Card at XX/XX/XXXX with XXXX opening bonus Membership Rewards points and approved it. 

I confirmed that I can receive the bonus point from online representative at XX/XX/XXXX, but I still did not receive the bonus point. 

When I check it, American Express declined my bonus point because I opened more than 3 credit cards within 6 months. However, I only opened 2 XXXX  credit card within 6 months. 

XX/XX/XXXX Opened XXXX XXXX Credit Card XX/XX/XXXX Opened XXXX XXXX XXXX Credit Card XX/XX/XXXX Opened XXXX Everyday Credit Card In addition, I never heard or saw any terms which I can not receive promotional opening bonus point IF i opened many credit card within 6 months. 

This is unfair. I totally do not understand their decision. Please contact them and solve this problem. 

Thank you Sincerely
Consumer complaint received 2015-04-05
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: AMERICAN EXPRESS COMPANY (TN)

on XXXX XX/XX/2015, i have noticed that American Express has been reporting inaccurate billing information on my credit report. I am disputing a amount of XXXX, the company is reporting 30-90 days late on my credit report for which I have no knowledge of. I have contacted the company and the company is still reporting a balance that is under investigation. By law the company is not suppose to report a dispute amount on a person credit report untill the investigation is fully been resolved. The company did not address the problem. I told this company that I have no knowledge of the balance and no knowlegde of where they are collecting a payment from. I told american Express that I do have a fraud alert on my credit report and that the company should have called me, but the number that the company provided does not match the number as of now. This company had someone to open an account in my name and is affecting my credit negatively. This company is engaging in identity theft and fraud. I am asking this company to stop reporting negatively on my credit report untill the disputed amount is resolved
Consumer complaint received 2021-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: VALLEY NATIONAL BANCORP (NY)

I have these items that are not mine and i want them to be removed. 

XXXX 1. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

XXXX 1. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

XXXX 1. Identity Theft XXXX XXXX MT Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft VLLY NAT BK Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

7. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

8. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

9. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.
Consumer complaint received 2021-07-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MD)

I RECEIVED NUMEROUS LETTERS STATING I OWED ON A DEBT I HAD PAID IN FULL OVER A YEAR AGO TO THE DEBT COLLECTOR. IN REVIEWING THE NOTICES I ALSO NOTICED THE AMOUNT IS DIFFERENT THAN WHAT I INITALLY PAID. THE NOTICE SAYS XXXX I PAID XXXX I CALLED PORTFOLIO AND COULD NOT GET AN ANSWER FOR THE LETTERS OR THE DECREPENCY IN THE AMOUNTS. ALSO XXXX OF THEIR REPS STATED HE SAW AN OVERPAYMENT WHICH I NEVER RECEIVED AS WELL.
Consumer complaint received 2019-03-08
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: PNC Bank N.A. (VA)

I went to apply for a loan with my bank ( PNC at XXXX XXXX XXXX ) and the man informed me that I should reconsider my application because I disclosed I may not have good credit. He denied to process my application and because of his negligence and unwillingness to help ( not the computer system ) I was evicted from my apartment in XX/XX/2018 and have been struggling to catch up since then. I only requested to apply for a loan of {$1100.00} and he first told me personal loans were from {$2000.00} ( base ) then told me I shouldnt apply for a smaller loan because my credit may not be good enough to qualify.
Consumer complaint received 2019-03-08
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Midwest Recovery Systems (AL)

XXXX XXXX XXXX has repeatedly sold a settled debt to multiple debt collection services. The debt was acquired XX/XX/XXXX and settled XX/XX/XXXX. The most recent collection agency has called making threats to myself, my employer, and my family members. 
Midwest Recovery Systems is the current debt collector.
Consumer complaint received 2015-11-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I had an account with XXXX in XX/XX/XXXX, I closed the account but was late with the final payment. However did pay the full amount XX/XX/XXXX. For some reason they are showing the account late 90-120 days in XXXX and XXXX of this year XX/XX/XXXX. I have disputed it, XXXX said that they confirmed with them the account was closed XX/XX/XXXX and paid in full but they will not fix it. I have called several times over the past few months and been very patient waiting but today after 30 minutes on hold and discussing it with a woman identifying herself as XXXX and a Supervisor in Pennsylvania she would not fix it. I asked to do a XXXX way call with XXXX and she refused. It is an obvious mistake but all she said she would do is dispute it again which I have done 2 times. When I asked for her supervisor she hung up on me. 
It is only Trans-Union that is reporting this incorrectly. I have spent several hours over several months trying to rectify it. XXXX said there is nothing else they can do to correct it as they have sent the correct information. 
In my previous calls I would have to speak with multiple people from XXXX and give them my personal information over and over which made me uncomfortable. No one I spoke with would give me any kind of employee number and everyone would tell me something different. 
Please help me. I has dropped my credit score XXXX points
Consumer complaint received 2015-12-02
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (FL)

On XXXX XXXX, 2015 PHH Mortgage was faxed Notice of representation for XXXX XXXX XXXX requesting all correspondence be directed to our office as their legal counsel. On XXXX XXXX, 2015 a financial package was submitted to PHH Mortgage. PHH Mortgage did not send a confirmation of receipt of the financial package as required due to it being submitted 37 days prior to a sale date. A missing documents letter was not issued or sent to our office until XXXX XXXX via email from the banks attorney. PHH Mortgage has prevented the client from being reviewed for a loan modification by placing the file in a litigation status which prevents the client from communicating directly with PHH Mortgage. Our office has repeatedly requested updates from opposing counsel XXXX, XXXX and XXXX, XXXX. to no avail. After repeated request I was emailed a denial dated XXXX/XXXX/2015 on XXXX XXXX, 2015 almost 2 months after the denial. This also prevented the client from filing any appeal for the denial as it was provided well after the allowable dispute period. PHH Mortgage has not reviewed the file for a loan modification, has not provided a proper missing documents letter, did not provide the denial letter in a timely manner and has proceeded to schedule a sale date. Sale date must be postponed while the client is reviewed for a loan modification since PHH Mortgage has prevented the client from being reviewed for a loan modification since XXXX XXXX 2015.
Consumer complaint received 2021-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO. (NY)

I have these items that are not mine and i want them to be removed. 

XXXX 1. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

XXXX 1. Identity Theft JPMCB CARD Date of inquiry : XX/XX/XXXX This is not mine. 

XXXX 1. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft JPMCB AUTO  Date of inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

7. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

8. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

9. Identity Theft JPMCB AUTO Date of inquiry : XX/XX/XXXX This is not mine.
Consumer complaint received 2017-11-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XX/XX/XXXX a inquiry dispute letter that I wrote to TransUnion ( tracking number XXXX XXXX XXXX XXXX XXXX ) was received by them. In the letter I explained that the following inquiries were not authorized by me. I asked that TransUnion remove the unauthorized inquires from my report and they refused in a letter of response, stating that the only way to remove inquiries are if the inquiries are not authorized ... ... .My letter clearly states that they were NOT authorized. Inquiries listed below ( please remove inquiries- use the DATE as a reference. 
XXXX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (TX)

On or about XXXX Chase Bank pulled a soft credit inquiry from XXXX for 3 of my credit card accounts and based on this information my credit lines were decreased drastically. XXXX reported my credit score at XXXX on XXXX. I called the credit card department at Chase and found the information they were using was incorrect because they based the decision on these three things. Balance owed on revolving accounts too high and i only have XXXX XXXX credit use on my credit cards per XXXX. Chase also said Balances on accounts are too high compared to credit limits and per XXXX of the 38 accounts only two have a balance the remainder is XXXX balance. The last issue per Chase the number of accounts in use is an issue. XXXX is reporting only two accounts out of 38 have a balance. I spoke to Chase and because they decreased my credit limit on erroneous information the only way to fix what they broke I have to submit to a hard inquiry which will stay on my credit report for two years. I was told even then there was no guarantee which is essentially a no win situation because the credit inquiry will be mine to own for the next two years do to no fault of my own.
Consumer complaint received 2017-11-20
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PNC Bank N.A. (NC)

I currently have a HELOC with PNC Bank on my primary residence which has been in place approximately 10 years with 100 % on time payments. On XXXX XXXX 2017 I began the process of applying for a new HELOC on the same property with PNC. This is a first mortgage since there is no other lien on the property. 

Over the next 3 months I invested a considerable amount of time satisfying their requirements for income verification. I am a real estate investor which meant coming up with hours of documentation for them at my expense. 

Once my income was verified I was told we would need a full appraisal. We spend many hours and dollars getting the house in top shape for the appraisal only to be told we had to have a second appraisal. 

After the second appraisal we were informed the collateral was not satisfactory. Since that time I have made numerous requests for copies of the appraisals to discern what exactly did not meet their guidelines and if perhaps something had been misrepresented in one of the two appraisals. 

The only response I received was a mailed copy of photos from one of the appraisals. This was simply 32 photos of the home with no written materials of any sort attached. There was no description, no value attached, or any explanation of any kind as to the outcome of the appraisal. 

Since that time I have made numerous email requests to both my contact persons with PNC and neither will respond to me at this point or give me any reason why the 2 appraisals will not be released to me. 

Since this was a first mortgage on my property and I have an interest in insuring an accurate appraisal was done, I see no justification for the bank not releasing to me the appraisals so that I may fully understand the reason for my rejection. 

My wife and I have credit scores of XXXX and XXXX with no negative marks of any kind on our extensive 30 year financial history. If the reason for our loan rejection was simply the appraisal information, as was indicated to us, I think we have a right to at least receive a copy of those two documents along with an explanation of why the collateral is not sufficient, especially since it is much improved today over what it was 10 years ago when they first approved it for a first lien HELOC. 

Thank you for your help.
Consumer complaint received 2017-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

I have been writing these companies trying to get these unauthorized inquiries off of my credit report..I did not apply for credit with these companies. I have written them several letters asking them to remove these inquiries, but they have repeatedly told me no..