davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO. (NJ)

I am a chase bank and credit card holder member. I am trying to close my Chase Sapphire Reserve credit card without paying next year 's annual fee of {$450.00}. The bank has closed my account but refuses to remove the annual fee ( for the upcoming year ) and expects me to pay it in full to then have it credited to me in 1 or 2 billing cycles. I have notified Chase of my desire to close the account within 30 days of the annual fee being posted on the account. The card service user agreement does not specify this particular section and does not state that the annual fee would be credited in 1 or 2 billing cycles upon closing the account within 30 days.

It is customary for banks and credit cards to not charge the annual fee upon closing the account within the first 30 days.

I do n't want to pay the fee to then have it refunded for a credit card I will not be using and I do n't want to pay interest rate on a charge that will be refunded. This is unreasonable. I have already paid Chase the outstanding charges ( less than {$20.00} ) for the last open statement.
Consumer complaint received 2020-12-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AFNI INC. (MA)

I received a letter in the mail today from a company called afni, attempting to collect {$86.00} on behalf of XXXX XXXX XXXX. They just keep selling this balance to a new collection agency and I keep disputing. I win the dispute and then find out it's been sold to another company. THIS SHOULD BE ILLEGAL! 

When I was with XXXX XXXX XXXX, I did NOT have the service I was paying for. I run an online business from my phone and was not getting internet service. If you review my records with XXXX XXXX XXXX, you will see that I called them MULTIPLE times, saying that I could not work like this, without the internet working. 

Also, before even signing up for XXXX XXXX XXXX, I went into an XXXX XXXX XXXX store and a sales representative quoted me for a monthly service, after we discussed plan options. He wrote the monthly amount on the back of his business card for the plan we decided upon, but I told him I would think it over and come back the next day. ( I was with my previous company for 15 years. ) I DID go back the next day and was told that the promotional plan rate we talked about had ended -- but not to worry! I could sign up, and then call customer service and they'd honor it because I had just been in the store. Well, guess what? That did not happen! They did not honor the agreed on monthly amount that I signed up for! So, also look at my account for that. I called on DAY ONE! 

I am tired of huge companies like this being bullies, changing things, and not caring at all about the violation. It's wrong! Why should I have to pay for ( 1 ) a price offered that was not honored and ( 2 ) I did not even receive the service that was to be included in the plan! 

The collection agency told me I could " just pay {$50.00} '' to make sure it " didn't get on my credit bureau '' but that too should be illegal! Why should I have to pay a single XXXX to avoid having something put on my credit bureau that I don't owe, under a company that used misleading tactics and didn't provide the service they provided? 

Also, once a dispute has been determined to NOT be owed, why is it allowed to then be passed on to another collection agency?!!
Consumer complaint received 2019-03-06
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Nelnet, Inc. (TX)

I asked to Nelnet/U.S Department of Education to provide proof that I consented to student loan debt and explain their reporting of information to credit bureaus and prove that they are in fact valid debt collectors in accordance to 1692 law definitions. I have repeatedly contact them ( Cease and desist letter on XX/XX/2019 and another letter of information request on XX/XX/2019 ).
Consumer complaint received 2020-12-08
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 am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below. 
I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. 
Is it possible someone forged my name, or that you have confused me with someone else? Please check for me. Even if you receive documents with my signature, please compare them with my real signature ( which is on the police report affidavit ) because if you do you will see I did not sign anything related to these accounts. 
If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit as soon as possible!
Consumer complaint received 2018-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

I tried to get a car on XX/XX/XXXX and XX/XX/XXXX from two different delaer ship. They were asking for my original social security card which i had in XXXX. I moved here to XX/XX/XXXX. They told me the reporting agencies can't verify my social and also the date of issue and considered me as a fraud.
Consumer complaint received 2022-03-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (UT)

Two weeks ago I was approached by the resident of a prior address to notify me they had turned away a Service processor looking for me. I contacted the Service processor and she could not find my file claiming to have returned it due to my no longer living there.

The only indication she gave to the former resident was that it is for a credit card debt owed to " Capital One ''. I have no personal credit card with Capital One and have disputed this with them in years past as XXXX will detail below. 

I don't know how to find out if they are filing a suit against me, if they are claiming I'm not responding to a judge nor how to address the situation. I have contacted Capital One and they claimed to have charged off and sold the debt and they no longer have anything to do with the account that purports to have my credit tied to it. 

XX/XX/XXXX - I received and responded in writing to a reply to my fourth or fifth dispute to XXXX XXXX, Capital One and possibly one other credit collection agency. Their response lists that I am disputing that I ever signed for, applied for, nor had direct personal responsibility for the discharge of debts on the business credit card issued originally by Capital One. Their reply states to the dispute " A result of identity theft or fraud '' and " Accuracy of Credit Reporting '' ( ON MY PERSONAL CREDIT REPORT ), that according to them " We are uncertain of what you are specifically disputing ''. 

I have sent this same contention as a written dispute from my personal credit file directly to Capital One starting in approximately XXXX of XXXX. I was a part of a business with administrative help that applied and obtained cards for those members/ principals of the business. I found fraud on some of the statements and the business partnership disolved with no assets or activity since approximately XXXX of XXXX. I sent letters disputing the individual fraudulent charges and the personal credit responsibility of the account throughout the period ending XXXX of XXXX. I'm now concerned that the issue is still affecting my credit and being dealt with in a court system I don't have the financial capacity nor proper notice to deal with. 

I'm not sure who to approach given Capital One 's denial of the account ownership and the failure of XXXX XXXX to provide anything beyond statements of an account that should NOT be on my personal credit.
Consumer complaint received 2021-07-02
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE (MO)

Your tracking number XXXX Date of transaction : XX/XX/2021 XXXX ET. Transferred using western union XXXX $ from my bank account to XXXX XXXX account. 
The transfer is supposed to take 4 days. 

Got an email on XXXX XXXX that thr transferred is completed and money will be available on XXXX XXXX. 

Did not receive money. 
On following up on XX/XX/XXXX again, was transferred multiple times between various departments Customer service to Compliance department and back to Customer service XXXX from customer service department XXXX # XXXX acknowledged that I was being transferred repeatedly between departments because they did not know what to do. 
Western Union did not even log my complaint and asked me to call back again. 

End result is XXXX $ were withdrawn from my account and never sent to the recipient account, with western union not assisting or acknowledging what the problem is.
Consumer complaint received 2024-03-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Cedars Business Services, LLC (NV)

I am not liable for this debt with XXXX, I do not have a contract with CEDAR BUSINESS SERVICES, they did not provide me with the original contract as I requested. I am writing to express my dissatisfaction with your recent attempt to collect a debt from me, account number XXXX, regarding my purported overdue balance of {$120.00} allegedly owed to XXXX have been a victim of identity theft for the past 4 years. There have been Fraudulent Items being reported to my Credit Report. The following account Cedar Business Services ( Account XXXX ), Original Creditor : XXXX. Date Opened : XX/XX/year>. XXXX {$120.00}. I have never had an account with this company. Cease the reporting of the fraudulent item being reporting immediately to all credit bureaus. I am not liable for this debt with XXXX and I do not have any contract with CEDAR BUSINESS SERVICES.
Consumer complaint received 2017-09-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MD)

I currently bank with USAA and have a credit card with them. Without notification or request for authorization, in the min amount due section of the website, stopped letting me know what my min amount is due to avoid interest charges. I usually make extra payments anyway but stopped once I saw {$0.00} in the min amount due, gave me the impression to only make regular payments. I started seeing interest charges of $ 40-60 even though my balance was XXXX. I brought it up to the company XX/XX/XXXX of 2017 and was told my account will be fixed. Today I see interest charges again of {$48.00}, after addressing it with the rep, was told that the feature ca n't be removed and that I could find the min amount due in my statement that 's mailed each month. So basically the min amount due is n't listed in the min amount due section of my account, this is a trick to get users thinking they do n't have a min amount due so they can charge them interest. I have documentation of today 's discussion with the rep if needed.
Consumer complaint received 2021-09-21
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. (IN)

I have a fraudulent account appearing on my credit file. There is an unverified Bankruptcy appearing on my Transunion credit file. I have reached out to the US Bankruptcy court to see if they furnished this information to Transunion and they have insisted that they did not furnish this information. Transunion do not have my permission to furnish this incorrect information it is a violation of my right to privacy according to the Fair Credit Reporting Act. My consumer rights are being violated and I demand that this fraudulent account be deleted immediately.
Consumer complaint received 2019-03-06
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Capio Partners, LLC (FL)

This collection appeared in my credit report out of the blue as of XXXX XXXX. There has never been any correspondence between this company and I, no records of any emails or phone calls regarding this collection. If it was a very old dept, why now after so many years. I require this fraudulent company to PRODUCE any documents or contract with their name on it next to my signature. I do not have any recollection of contraction with such company. Please get them to remove their dirty paws out of my pocket. Thanks. 

Here is the company name and details below this line -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX Amount {$580.00} (
Consumer complaint received 2021-04-30
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Navient Solutions, LLC. (FL)

My loan was established in XXXX for a total of {$7000.00} with Sallie Mae. Navient took over my loan in XXXX. I also have another loan which is the XXXX XXXX XXXX  with Navient. AThis letter is particularly concern about the oldest loan. They received 3 large payments from XXXX XXXX XXXX XXXX which is not reflected in the loan payment history. They also add over {$7000.00} in capitalized interest. Payment have been made to the account for over 24 years, yet I still owe {$14000.00}, There is fraudulent loan servicing. I requested a breakdown of my payments and also the original loan documents from XXXX which they can not supply. I would like an investigation in this matter, because my payoff on this loan is slated for another 10 years, which is ridiculous. Thank you.
Consumer complaint received 2021-04-30
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Receivables Performance Management, LLC (NJ)

I was contacted by a debt collector for an owed telephone bill for XXXX. I agreed to pay the amount in order to have the collections account removed from my credit report. The debt collection agency agreed to these terms but specified that I had to pay the entire owed balance. Upon paying the entire balance in one lump sum, the company did not keep its part of the agreement. The company put the collection on my credit, and just marked it as paid. I contacted them again and the representative told me they could not locate my account because it was paid. I asked why it wasn't removed as agreed, and she stated that they do not remove collections. It was a trick to get me to pay the full amount. 
Receivables Performance XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX ( phone )
Consumer complaint received 2020-04-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP (TX)

My US bank platinum visa credit card is reporting closed and showing 30 days late. I repeatedly reached out to the fraud and verification department to fix account status. The 30 day late is incorrect and severely impacting me on ALL 3 credit report. I am trying to close on my mortgage with all the crisis happening right now this misinformation is damaging my home buying closing process.
Consumer complaint received 2024-03-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Clark County Collection Service (IL)

Please assist in deleting these items from my credit report 4 days after you receive this notice. I'm willing to accept the deletions of the unauthorized erroneous items instead of taking legal action for the violations you clearly made. 

These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these inquiries to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.
Consumer complaint received 2024-03-26
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (DC)

CFPB, On XX/XX/2023 I, XXXX XXXX XXXX protected consumer applied for an American Express XXXX XXXX and Was Denied Access To My Consumer Credit. In Accordance To The Equal Credit Opportunity Act this Is considered Discrimination and Securities Fraud. I will be Attaching supporting documents to support my claim.
Consumer complaint received 2021-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc. (CT)

You received a response from Experian..notified today..they need more time. They now are reporting an inquiry that stays on my report!!XX/XX/XXXX it says I applied there or with many banks..I did not!!! The number they listed is a nonworking number!!!! Again they are WRONG WRONG WRONG!!! THERE IS NO END TO THE NIGHTMARE!!!!
Consumer complaint received 2020-04-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (NC)

I contacted my Citi Credit Cards on XX/XX/2020 to report that I was out of work and unable to make minimum payments due to COVID 19 pandemic by the due on XX/XX/20. I was told by one Citi Card that I would be put in a special program for consumers effected by COVID 19 so that my minimum payment would be placed at {$0.00} for 3 months ( XX/XX/20 ). My Sears Citi card told me that they did not have anything in place at that time for COVID 19 consumers but that they would waive all late fees occurred for my XX/XX/20 bill. On XX/XX/20 I received an automated call from my Citi Card that my account is passed due and that I had accrued late fees due to being late. I contacted the Citi Card, and was informed by customer service staff that there was no note of my call on XX/XX/20 and told me that they could not help me to remove the late fees or delinquency that had been placed on my account. I requested to speak with a supervisor and who got on the phone and told me that their system went down and that I would have to call back in 2 hours ( after I had been waiting on hold for two hours ). I did finally get through to a supervisor after I called back to- back. I was told that my account would be placed in a COVID 19 special program and that my account would not reflect as delinquent and no late fees would be assessed. On XX/XX/20 I received an email stating that Citi Card account was delinquent for a pass due amount. There was an option to request COVID 19 help attached to that email which I applied for. OnXX/XX/20 after the email that morning, I received an automated call from Sears Citi Credit Card stating that my account was pass due and has accrued late fees. When I called the customer service dept. I was told that same information- that there was no note of my call on XX/XX/20 and that there was not thing they could do to reverse my late fees and delinquent report on the account even though I had made previous arrangements with their customer service staff. At that time Sears Citi Card did place me in a COVID 19 program to help with future payments but they refused to remove the delinquent account information and the late fees.
Consumer complaint received 2018-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (UT)

On XX/XX/2018 I got a notice from Experian that my Credit Score had changed. I logged in to see what had changed and why. My Credit Score had dropped with no explanation for a drop. No late payments, no credit inquiries, no new or closed accounts, no changed status to any accounts ... I could see no reason for the drop. At that time they showed my new dropped Credit Score at XXXX. Experian advertised " Credit Matched '' credit card offers matched specifically to my credit. I thought that if I qualified for a bank credit card that seemed acceptable it would help my credit score according to Experian, as not having a Bank Issued Credit Card lowers my overall score. So, since they have " Credit Matched '' offers specific to my credit, I can't really lose. I found a Credit Card offer that was offered by Experian specific to my Credit from XXXX XXXX for the XXXX XXXX XXXX XXXX. I applied. I was turned down. When I got the letter of explanation from XXXX XXXX they state that Experian submitted my credit score showing it as XXXX. Why is Experian showing me a score of XXXX and showing others my score is XXXX?
Consumer complaint received 2018-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have endeavored on several occasions to reconcile these errors to no avail. I recently obtained correspondence from XXXX XXXX that supports my claim. Transunion, XXXX and XXXX   insist on reporting these inaccurate inquiries indeed. Litigation will now surely follow, because I have proof now.
Consumer complaint received 2020-11-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EOS Holdings, Inc. (CA)

in XXXX of XXXX I went to the local post office where I have a XXXX XXXX , to see if my tax refund was there. it was not in my box. The postal worker saw me and handed me mail that was addressed to General mail. It was from XXXX tax board intercept dept. I opened it and it said {$440.00}. was taken for a debt collection agency, XXXX XXXX XXXX. 
I called the number to ask what was going on and mentioned the fact that I did not have info that I owed this and told them I have not lived in XXXX since XXXX. 
The agent was rude and would not provide her last name or employee id number. I asked to speak to a supervisor and she said she was the supervisor. 
I mentioned ID theft issues I have and asked about any Statute of limitations that apply to old debts. 15 years pass and I had no notices of owing XXXX XXXX XXXX and it was not in my XXXX credit report. I told her I needed my refund due to a work injury in XXXX that I was not receiving XXXX for. She did not care. I contacted the court to get more details of this alleged debt and was not given any clear info. in XXXX of XXXX I received 4 notices from the collection agency but it had a address based in XXXX MA, about this alleged debt. They gave 4 different account numbers and debt amounts and failed to mention what they took from the tax refund intercept.