davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-15
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. (OH)

On XX/XX/XXXX I placed an order with XXXX XXXX as documented on the attached documents. I described the vehicle for which a bumper was ordered. I received the part and took it to a repair facility. It advised it was the wrong bumper. I emailed XXXX XX/XX/XXXX about the error and requested they ship the right part and furnish a return label for it. No response was ever received. I did order a bumper from another vendor after no response was received as the repair shop had to have one to complete the work. Documents from their website show which bumper should have been sent. On XX/XX/XXXX I notified Chase about the problem. They issued temporary credit but charged my account XX/XX/XXXX. I called Chase and was advised to reword my complaint which I did and resent it to Chase. Chase processed it and advised they considered the charge valid. Having no success with Chase I called on XX/XX/XXXX and was advised to ship the bumper back which I did at my expense. I emailed XXXX XX/XX/XXXX outlining the progress. The XXXX XXXX record is included. On XX/XX/XXXX XXXX confirmed receipt of the return information and thanked me. On XX/XX/XXXX I received a cell phone message from XXXX at XXXX that the bumper was received. On XX/XX/XXXX I advised XXXX about the call from XXXX who I was unable to contact. I continued to advise Chase of the progress. On 1
Consumer complaint received 2021-06-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (FL)

When I reviewed my credit report a collection account was on there. I do not have any knowledge of this debt and I would like this debt to be validated/verified. The account is : Convergent Outsourcing # XXXX XXXX
Consumer complaint received 2021-06-22
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. (TN)

XXXX is saying payment 30 days late in XXXX but it never was 30 days late. I have the bank statements showing payment went through and there have been no issues. This needs to be corrected immediately. I have stellar credit otherwise.
Consumer complaint received 2017-03-05
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (OR)

Navient never responded/made it clear how to update income for income repayment plan. I contacted them about change in income and no one responded. Website is extremely difficult to navigate and does not provide a section for updating income. Links on website loop to nowhere or time out.
Consumer complaint received 2015-08-05
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (PA)

There was a break in and fire at a home i owned that was about to be foreclosed on. I was issued a check for an insurance claim in 2008. XXXX mortgage was a payee, along with myself. 2 months after the fire, the house was foreclosed on by HSBC Bank, which bought my mortgage, along with attorney XXXX at XXXX. The attorney asked me to mail the check to them, and they would sign it and return it. They said it was mine. I sent the check, the never signed nor returned it to me. years later, i find the check is still uncashed and the insurance company is telling me its unsigned and that i need to claim it I begin contacting the attorney, which wont call me back. I contacted the bank several times. I talked to people who identified themselves as XXXX XXXX, XXXX XXXX, XXXX XXXX and more. I contacted them on and off for a month and a half this year to no avail. They ended up telling me they could not help me, i needed a letter from them signing off from the insurance claim, so it could be taken care of. They told me to contact the attorney.. whom i contacted several times to no avail.
Consumer complaint received 2020-05-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Hello, There are plenty of accounts and inquires on my account that I do have knowledge of. I have reached out to all the credit reporting bureaus. Transunion keeps responding with boilerplate language. These following accounts and inquires do not belong to me. I have tried endlessly to remove these things. Inquires that I did not authorize. XXXX XXXX Finance / Personal Individual XX/XX/XXXX XXXX XX/XX/XXXX Banks Individual XX/XX/XXXX XXXX, XXXX Real Estate and Public Accommodations Individual XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXXAutomotive Individual XXXX XXXX, XXXX XXXX XX/XX/XXXX / XX/XX/XXXXXXXX Banks Individual XXXX XXXX, XXXX XXXX XXXX Automotive Individual XX/XX/XXXX XXXX, XXXX Real Estate and Public Accommodations Individual XX/XX/XXXX XXXX XXXX Automotive Individual XX/XX/XXXX XX/XX/XXXXFinance / Personal Individual XX/XX/XXXX XX/XX/XXXX/XX/XX/XXXX Travel / Entertainment Individual XX/XX/XXXX XXXX XX/XX/XXXX Banks Individual XX/XX/XXXX Accounts that I have reached out about that do not belong to me. XXXX XX/XX/XXXXBalance : {$7900.00} Collections : XXXX XXXX XXXX XXXX XXXX {$120.00}XX/XX/XXXX XXXX {$4700.00}
Consumer complaint received 2017-03-12
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have disputed items that were previously removed and items I know do not belong. Not once have I receive a written letter. I am not told what information the have been given as proof. I do not believe that a phone call to the collection/open account holder should provide so little as I " we say so '' or a credit statement with nothing in writing such as a signed document. They are taken at their word. I want to see exactly how they have come to this conclusion. Again, I have n't even gotten a letter. Even when they reinsert and item, no letter there either.
Consumer complaint received 2015-06-11
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: First Federal Credit Control, Inc. (FL)

I placed a call to first federal credit control on XXXX to inquire about a settlement and spoke to a representative by the name of XXXX at EXT XXXX. XXXX explained to me she would send me out a bill that I requested and she asked me how much I can pay to satisfy the debt and I gave her an amount she said it would take 24 hours before she can give an answer. XXXX failed to notify me that she was a debt collector attempting to collect a debt. About an hour later I received a call from XXXX and the agent explained I would n't be able to settle the debt I have to pay the full balance and she asked me when I planned to pay but she never disclosed she was a debt collector attempting to collect a debt.
Consumer complaint received 2017-05-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions (WA)

I did n't even live at the  XXXX   XXXX   XXXX   (  XXXX , WA )  during the period that they 're trying to charge me for. It 's extremely obvious that I moved out on  XXXX   XXXX ,  2015 . Anyone that can read the " Move Out Statement '' that they sent me can read that my Lease was over and I moved out on  XXXX   XXXX ,  2015 . Yet somehow they 're repeatedly sending me bills for  XXXX   2015 ? Even after I 've notified you that your information was inaccurate and you were harassing me with incorrect information???   This is causing additional  XXXX  to me during a period that I am in and out of the hospital for  XXXX   XXXX . I do n't owe any money at all and was given multiple assurances from staff at  XXXX   XXXX   XXXX  of this in  2015   ( yet two  years later I 'm still being harassed, this is ENOUGH ).
Consumer complaint received 2017-02-15
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: Bread Financial Holdings, Inc. (TX)

On XXXX XXXX, 2016, I lost my job for filing a complaint of discrimination. I notified my XXXX/Comenity Bank credit card to activate my unemployment insurance card protection services. Which was done. Payments was made to the credit card lendor Comenity Bank. I was required to file periodic claim forms for the Insurance company. While at a " working interview '' I was contacted by a bill collector, XXXX XXXX XXXX XXXX " attempting to collect a debt for ComenityXXXX ''. I lost the job prospect due to them not getting off the telephone. I called them back to let them know what happened. It was brought to my attention that Comenity Bank/XXXX XXXX had charged off my account and sold it to them for collection. I explained everything to them and they verified that their records showed that the payments had been made to Comenity Bank/XXXX and that they wanted to collect the amount due. I was furious. This can not be legal. I faxed over a letter to Comenity Bank/XXXX demanding that that they correct this matter, repair my damaged credit report, activate my account/take the account back from the creditor and remove the charge off since they have been paid. To date they have done nothing and today I was told by XXXX XXXX that her supervisor said that I needed to contact XXXX XXXX XXXX XXXX to pay toward the account. 
I have the documents needed to support my complaint to your offices as well as the insurance claim paperwork-payments made from the insurance company to Comenity Bank/XXXX for this account.
Consumer complaint received 2021-04-29
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Received 2 letters of delinquent lease account. XXXX auto finance is claiming I have {$10000.00} due on lease when creditor offered to zero account balance upon return of vehicle. They offered complete credit of payments due for early return as compensation for misreporting my account as delinquent for almost one year. They couldnt find root of problem why my account reported delinquent when all payments had been made in a timely fashion. 

I do not owe any money on this account. It should be closed with a zero balance. 

I have attempted to escalate this within their corporate office aka reps that take escalated calls. I have been unsuccessful getting a manager to call me. 

I have requested no less than 7 times for XXXX XXXX, the rep at XXXX to have a supervisor contact me to better explain the situation. 

Vehicle was returned XXXX and Ive heard from nobody from XXXX since.
Consumer complaint received 2017-03-07
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I called TransUnion about this issue and their customer service would not help and take care of the item on my credit report XXXX hard inquire ) this was an item that was removed and added back again ( if this is of any use, the customer service was very unhelpful ).
Consumer complaint received 2016-06-04
Product: Prepaid card — Gift or merchant card
Issue: Unauthorized transactions/trans. issues — 
Company: AMERICAN EXPRESS COMPANY (NV)

My card, PIN, and ID was compromised. I 've told Amex this several times and they 're telling me they the charges are valid and I can not contest to it further. They also shut down my account that 's been opened with them for a while. These are the only fraudulent transactions I 've ever encountered on this card and they 're refusing to reimburse me, they also refused to give me documentation as to why my claim was denied. They wo n't even tell me why the transactions are valid over the phone. They did n't even file the dispute correctly, they owe me more than {$740.00}. That 's the total they 're claiming that I filed for. I can not get thru to them or do anything about this!!!
Consumer complaint received 2017-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (IL)

M y Wells Fargo NB Retail card was closed and the reason is noted as consumer request to close.        1 ) I never requested this account be closed, I was n't notified in writing email or by phone. all my contact information is up to date and no attempts were made to contact me, WF did n't even argue this point. This is totally unprofessional and poor service for customers.
2 ) This misreporting has prevented me from securing student loans.
3 ) My average account length, utilities, used to available credit ratio. The score dropped  XXXX  points.
4 ) Requested Resolution : The account needs to be reinstated, returning my average age of credit, credit   use to limit ratio, number of accounts, and mix of account types to where they were prior to the UNAUTHORIZED closure of my account and the INACCURATE CREDIT REPORTING.
Consumer complaint received 2017-05-01
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. (SC)

I mailed a Multiple Inquiry Removal Letter on   XXXX   XXXX  ,   XXXX   XXXX   &   XXXX   XXXX   XXXX     by certified mail in order to dispute information, in regards to  10  hard inquiries, that was being reported on my credit report. They received the letters & they completed the request. The request that I submitted included 10 Hard Inquiries that were not factual and I received the same response for ALL inquiries, which was " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' According to the FCRA Rules, FCR A 623  ( b ) (  2 ) and 611 ( a ) ( 1 ),  it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response back in less than 7 days after the receipt of my certified letter, one can assume that there was no investigation into the matter. I plan to purchase a home this year and having this many hard inquiries on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.
Consumer complaint received 2016-05-28
Product: Credit card — 
Issue: Advertising and marketing — 
Company: AMERICAN EXPRESS COMPANY (AL)

AMERICAN EXPRESS has made XXXX Hard Hits on my credit history. In XXXX there were XXXX. In XXXX there were XXXX. So far in XXXX there has been XXXX. I have never applied for an American Express credit card. Also other lenders have made inquiries to my report. XXXX XXXX has made XXXX over the past 3 years. The most recent being XXXX XXXX. 
I understand these " hard hits '' could be affecting my credit score. Please advise. Other companies doing this same action are XXXX XXXX MORTGAGE, XXXX BANK, XXXX XXXX XXXX XXXX XXXX, XXXX.
Consumer complaint received 2015-10-27
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: TRANSWORLD SYSTEMS INC (CA)

My son attended XXXX College in XXXX XXXX from XX/XX/XXXX up to its closure XX/XX/XXXX. I co-signed with him on a XXXX Education Loan. The XXXX Loan has been transferred to the University Accounting Service, LLC. The outstanding amount is about {$9000.00}. My son did not finish his studies at XXXX College and we believe XXXX and XXXX misrepresented their academic programs by coercing my son into applying for federal and private loans, and false promises of lucrative employment after graduation.
Consumer complaint received 2022-02-15
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: Credit Plus Inc (WA)

On XX/XX/XXXX, I received an alert from XXXX about a new hard inquiry in my report from a company called Credit Plus. I have never dealt with that company nor heard of it before. I called Credit Plus and was not able to talk to any representatives, their phone lines seem to disconnect after several minutes of waiting. On the same day, I also called XXXX and was transferred 3 times to different teams that handle disputes without actually getting help from any. 

This is the 3rd hard inquiry that someone else has attempted on my report in the past 12 months and that I report to XXXX without any action from their part. On XX/XX/XXXX I used the CFPB website to report 2 other hard inquiries that I did not initiate but that appeared on my report as well -- those inquiries still show in my report today. XXXX has still not taken action to remove them. 

In addition to the inquiries, there is a phone number that does not belong to me ( " ( XXXX ) XXXX '' ), and a name that is not mine ( " XXXX XXXX '' ). 

I kindly ask that XXXX removes the following hard inquiries and incorrect personal information : - Credit Plus on XX/XX/XXXX - XXXX  XXXX XXXX on XX/XX/XXXX - XXXX  XXXX XXXX on XX/XX/XXXX - Phone number : ( XXXX ) XXXX - Name : " XXXX XXXX ''
Consumer complaint received 2016-09-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (FL)

I have my mortgage from Chase Bank. I purchased y house in XX/XX/2016 in foreclosure, my monthly payment was approximatively {$2000.00} and in 2016 my monthly payment goes up to {$2700.00}. I tried to have the PMI cancelled on my mortgage because my monthly payment increase too much. Chase sent someone to do an appraisal on my house and the value on my house goes up to XXXX. They told me that they were unable to cancel the PMI because the value is not high enough and that I did not do too much improvement in my house since I bought it. I bought the the house in very bad condition, I changed the garage door, I removed the carpet in all XXXX bedrooms and installed hard woods, I repaired the entire roof in the sunroom. I feel cheated by the bank when they told they are unable to cancel the PMI because I know the value of my house is there. Please help me out.
Consumer complaint received 2017-02-13
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC. (FL)

I have been disputing an alleged account I owe with Midland Funding for months. I have requested a verification of debt from Midland Funding and the credit bureaus ; XXXX, XXXX and XXXX. To date, Midland Funding has only sent me a computer generated credit card statement. I have not received any assignment of ownership of this alleged debt or a signed contract with my signature. I have not received any proof that this debt is owned by Midland Funding or that I am responsible for it.
Consumer complaint received 2015-10-22
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Asset Management Outsourcing, Inc. (FL)

In XXXX 2009 my personal information was compromised when my car was broken into and my handbag stolen. Since XXXX 2009 a series of accounts have been opened using my personal information this has caused my once great credit to plummet to XXXX. Over the past 18 months I have had creditors collections agents harass me for balance owed to accounts that I know nothing about and my credit is non-existent and my hopes of purchasing a home is in jeopardy because of I am a victim of Identity theft.
Consumer complaint received 2015-10-06
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: AMERICAN EXPRESS COMPANY (AL)

Opened an American Express account so that we could use on vacations so that we would not have to carry cash with us. After coming back from vacation we received a bill saying that it must be paid in full. They would not accept payments and turned it over to a debt collector with which we settled with out of court. They told us that as long as we did not miss a payment then there would not be a judgment. Am Ex is still reporting our account delinquent and the judgment has not been resolved.
Consumer complaint received 2022-02-28
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. (MA)

Hi, I am having the same problem with this company as well. I have submitted a letter and documentation and I am getting the run around. I want this information removed once and for all. I have enclosed my information. 

XXXX XXXX
Consumer complaint received 2021-06-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: Atlanticus Services Corporation (WI)

My card was lost, so I contacted Aspire for a replacement card and requested express shipping for an additional {$25.00}. I was charged the {$25.00} and told to expect my card within 3 days. Eleven days later I received an envelope from Aspire, standard presort mail, that contained a card that was not mine. It was one of the users on my account, but not the card I requested for replacement and not shipped express. I contacted Aspire and asked that they refund the {$25.00} and send me the correct card. Aspires representative informed me that they will not refund the {$25.00} because I was shipped a card, even though it was the incorrect card and shipping type. They then offered to send me the correct card, for an additional {$25.00} payment.
Consumer complaint received 2017-03-01
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued where didn't live/sign for debt
Company: Lustig, Glaser & Wilson, P.C. (MA)

summons served at the address of my parents ' house, which is not my place of residence or where I opened the account. I live in XXXX ( XXXX ). Currently being sued in XXXX without representation and my counterclaim based on the improper service was denied.
Consumer complaint received 2016-03-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (TX)

On XXXX XXXX, 2016 I disputed XXXX XXXX and requested validation of the account via certified mail ( XXXX ). 
On XXXX XXXX, 2016, I received a letter stating XXXX XXXX could not locate my file and I needed to provide the full account number and social security number. 
Clearly, if XXXX XXXX is reporting this information the the credit bureaus, they should be able to validate the account. I have enclosed a copy of the signed letter with my full name along with my address. It has been over 30 days and XXXX XXXX still has not validated this account.