davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-24
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: JPMORGAN CHASE & CO. (FL)

This is a bit of a long story, but I will explain best. All the detailed information ( dates and notes ) can be attained through the itinerary number in the attached email. 

I have a Chase Sapphire reserve card, where I pay the premium fee for certain benefits. One of them is their travel insurance and travel booking features and points. I booked a flight via chase travel on XXXX XXXX to XXXX that cost about {$10000.00} for 2 business class round trip flights back on XX/XX/XXXX. The Covid lockdowns and restrictions at this time have not started. My wife the day prior to the flight fell XXXX  with XXXX and was absolutely not able to travel. I obviously had to cancel the trip and was promised that the travel insurance would cover this. I submitted all the medical documents and the travel insurance associated with Chase travel rewards, accepted the documents. After some time, as it was delayed, I was told that while the documentation was accepted, the refund would be issued as a travel credit to XXXX XXXX due to XXXX XXXX travel policy. After about 4 months of fighting this and spending hrs on the phone, it was clear I was cheated out as using XXXX XXXX travel credit was not going to happen. The insurance company clearly did not want to pay, so they sent the bourdon to XXXX XXXX to pay. Needless to say, I received an email finally on XXXX, XXXX stating that my refund will be processed and it will take 2 billing cycles to process. I've called many times during that period and most of the calls it seems that they will not process, even though it is in writing that it was approved. It is now almost XXXX, XXXX! I did speak to one friendly leady who did say she will take care of it and get it to process, but nothing after, and when I called to check the status, they said no refund is set to process. It is clear they want to keep my money, place blame on other departments and not pay. This process has been a year and a half battle of talking to them, reaching out to various legislatures, media, and so on that lead to no where. I have also incurred quite large bill of interest payments I've had to make on that {$10000.00}. 

Thank you and Please Help!!
Consumer complaint received 2018-06-08
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCC Business Services, Inc. (TX)

XX/XX/2018. I contacted a collection agency NCC business services located at XXXX XXXX XXXX, XXXX XXXXXXXX XXXX, FL XXXX The guy seemed wary about the whole conversation. But, I attempted to find out what my debt was, after already seeing it on my credit report. I knew the amount was not right. I was already on their website while on the phone and the guy told me to go to another website ( although the one I was on was clearly theirs ) to pay off the debt. I asked if I could receive a confirmation if I paid as I thought I owed and he said he couldn't do that over email. I tried to type in the account number he gave me for their website to make a payment and it said : " NCC Business services no longer handles your account. '' Yet, on the phone, he was trying to persuade me to make a payment. Overall, the experience was very sketchy. I felt inclined to report them, just in case.
Consumer complaint received 2018-01-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (CA)

I had a Credit Line opened with Chase, I had not been late on my Credit card before, I had a Separation and attempting to make my payments. As soon as the first payment was not made, Chase closed my Online access and was not able to continue to make payments. I called numerous times and discuss with CHASE how do you want me to make payments if I do not have access to the account I have establish online? So, time has passed now and the Account has been sold. Chase has violated access to the account to see where payment is being applied to. I have other credit cards that I have and continued to make my payments even thru my hardship. I need help, regarding the Laws to protect consumers from Big Banks cutting access to the account to pay.
Consumer complaint received 2022-01-06
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 ACCEPTANCE CORPORATION (VA)

I XXXX XXXX am federal protected under the FDRA and FDCPA. Credit Acceptance violated me and are damaging my consumer report of a balance of {$15000.00}. 15 usc 1681b, 15 usc 1666b, 15 USC 1692D ( 4 ) and harassment 15 usc 1692D ( 5 ). I have kept careful Records of this situation. This account reporting on my report without my written or oral consent.
Consumer complaint received 2018-01-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Asset Management Outsourcing, Inc. (FL)

Over the past 6 months i have sent in 4 letter to this company to ask for proper validation of the debt they are attempting to collect from me. I have not record of this debt. No hospital visit nor a doctors visit during the time. Last letter was sent in on XXXX XXXX. Still with no response. There are a couple of people down in my area with the same exact name with one being less than 15 miles from me. I wanted to get the proper information that this is me. Now its affecting my credit and this company wont respond.
Consumer complaint received 2017-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IL)

I have disputed my bankruptcy and the way it is displayed multiple times by letter ( XXXX ) with XXXX. According to the New Public Record Reporting Standards that went into effect XXXX XXXX2018, it was put into place to enhance and improve the accuracy of credit reporting information. According to the new policy, bankruptcies should display minimum identifying information as follows : minimum reporting of name, address, social security number and or date of birth. This discrepancy has a major impact to credit scoring and predictive performance because of the inaccuracies displayed by the inaccurate display of information being reported by XXXX and they refuse to remove it!
Consumer complaint received 2017-11-27
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: Academy Mortgage Corporation (AZ)

I have 3 mortgages with Academy Mortgage, totaling more than {$700000.00}. Back in XX/XX/XXXX/XX/XX/XXXX, I was having issues with their Loan Administration website, they were converting to a new online system. I was locked out of my account when trying to make my payment for Loan # XXXX. I followed the prompts to request unlock, which at the time was an email to XXXX indicating someone would respond within 24-48 hrs. No one responded to me! 
I sent a follow up email ( copy attached ) explaining that I was in jeopardy of being late, if I could not submit the payment online. After another day, there was still no response. Finally, I decided to call customer service and after some frustration with the phone rep, I was able to identify the issue and log into my online account. Academy mortgage had an incorrect email address on file, they had n't updated this either. I made my XX/XX/XXXX payment. 
A month later, I received a credit monitoring notification, that my Academy Mortgage had reported 30 Days Late in the month of XX/XX/XXXX for the XX/XX/XXXX payment. I was sickened and now even more frustrated. 
As a good will gesture and in good faith of my loyal business and existing good standing on 3 mortgages, I sent a letter asking them to remove the 30 Day Late for Loan # XXXX from all three credit bureaus and send me confirmation that it had been removed. I felt it an injustice for adverse credit action on my account because of their companys technical difficulties. 
I received a letter date XX/XX/XXXX indicating Academy mortgage was looking into the situation. I never heard back, so in early XX/XX/XXXX, I called their customer service XXXX. The rep indicated they would not have an answer until XX/XX/XXXX and to call back after that time. I questioned the timeline and mentioned that 4 months was a very long time for research. I called back the week of XX/XX/XXXX, thinking they may have finished, but told again to call back after XX/XX/XXXX. I called back today XX/XX/XXXX and I was told that Academy mortgage had sent me a denial letter back in XX/XX/XXXX indicating, I had the incorrect month on my dispute letter and she did n't know why the rep did n't tell me that the other 2 times that I had called. I never received a denial letter in the mail. Only to call back after XX/XX/XXXX. The rep said she would transfer me to a supervisor, who even further frustrated me. I am opening this complaint through CFPB to document my horrible experience with Academy mortgage loan administration and hopefully they will make some changes to their process. I am being dinged for a system issue, and the adverse customer harm has now been in effect for 4 months, more than 160 days since the issue was identified. 

Thanks, XXXX XXXX
Consumer complaint received 2020-05-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

In XXXX of XXXX, was charged duplicate transaction, and received notification by email alert from credit card company Capital One, promptly followed their process to initiate a dispute to try to resolve it via their website. 

In XXXX, I have been unable to check the status of that dispute, because after returning from a lengthy trip to the former XXXX XXXX member states including XXXX and XXXX, I changed my residential address and other such details. 
As per the cardmember agreement, I promptly contacted Capital One to provide them these new details in good faith, and they responded by saying they had to transfer me to someone who could put them into the system. That person instead of being someone with the capability to do that, was in fact a fraud department specialist who decided to freeze or hold to my account in some way. 

I filed a prior complaint regarding that, and was contacted by the company to tell me of the steps they were taking to review my information and resolve the issues. 

However fast forward now to XX/XX/XXXX, and I have received an email letting me know that a statement is available, and showing a statement balance much higher than my own records and spending reflect. 
I am unable to make purchases on the card given this frozen status. I also am unable to view the statement on the website. And customer service is unwilling to send me a paper statement, or discuss what led to the roughly XXXX dollars in account balance. 

Since I have made no new purchases, I can only suspect that this is due to an error of some kind, unless someone else is making purchases on the account? 
However, due to the status of the account, customer service is unwilling to document my concern about errors or fraudulent transactons, and is unwilling to speak to me about what led to the new balance. 

They instead transferred me to a fraud specialist. Who was unwilling to document any new concerns. 

I am informed that they received all the requested identity documents, and they are still being reviewed. 

If I can not confirm why there is now a balance on the account, how can I in good conscience be expected to issue prompt payment for this roughly XXXX dollars that is allegedly due. No statements, and no communication from the company?? 

Although I am a patient person generally, and have waited several months for the company to finish reviewing the various identity documents they have requested and received ; I am now concerned their unreasonable demand for payment of roughly XXXX dollars ( in error? ) will result in harm to my credit score, and erroneous, and harmful information being submitted to the credit bureaus such as XXXX, XXXX, or XXXX. 

The company provides only a customer service phone number, and their customer service team is unwilling to respond to me on this issue.
Consumer complaint received 2021-07-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United Collection Bureau, Inc. (SC)

I was contacted by UNITED COLLECTION BUREAU , INC through mail to contract with them on an alleged debt I owed to XXXX 's department store. I have no idea who UNITED COLLECTION BUREAU XXXX INC is because I never gave them written permission to contact me about an alleged debt I owed to XXXX XXXX. They have used my personal information and shared it with another third party I have never heard of, to also collect on this alleged debt. Now that party is contacting me and I feel violated as my personal information is being passed around without my permission. They are violating my privacy and I would like it to stop.
Consumer complaint received 2017-11-29
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. (GA)

XXXX XXXX from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX-XXXX Inquiry from XX/XX/XXXXXXXXXXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX I called experian to report fraud and to have inquires removed from my report. the representative did not want to help me. Stated because these are hard inquires I have to wait 2 years!
Consumer complaint received 2022-01-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (NH)

After having issues with a cancelled gym membership and in ability to deposit cash into my bank account i was told by a banker that my only options where to have someone zelle money into my account and give them my cash tips or close my account and go with another bank. i chose to close my account and opened a different bank account with a new bank and was told after the conclusion of my claim for the gym i could transfer my money to new bank and the account would be closed. this call took place i believe on the XXXX of XXXX and i opened and used the reimbursed money with in the next few days. i had filed 4-5 claims over the last months against the gym and was told by the bank they put a stop payment on anything coming from them and the gym changed how they were charging the account so it kept going through. after switching banks i put through a change of direct deposit with my work which got messed up so it still went to my old account with Wells Fargo ( which should have been a closed account at this point ). the account was never closed and was charged again by the gym and some other recurring payments " XXXX, XXXX XXXX  ect. '' which over drafted my account more than the total of my payroll check could cover. i called again to try and resolve the issues1 the gym still charging me 2 the account still being open and 3 my payroll check going into the negative account and how to get that money back. i was then transferred to claims department and told the account was not closed because i needed to cancel all of my bills before i could close it which does not make sense to me as they reason i was closing the account was they were allowing the gym to continuously charge me month after month and closing my account should then mean there's no account for them to charge in any way possible but they refused to close it and told me to get in contact with every one of my recurring bill companies and cancel the payments before they will do anything. i have tried on multiple occasions to close my account with planet fitness ( the gym i was being charged by ) and was told on multiple occasions it was closed then after the 3rd time filing a claim and calling the gym i was told i needed to drive 2 hours to a different branch to cancel ( this is what caused me to have wells fargo put a stop payment on they charges in the first place ).
Consumer complaint received 2021-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MI)

XX/XX/2021 Dear Consumer Federal Protection Bureau, Please be advised that I have never filed a complainant against a credit card company ever before. 

My XXXX  Card account mainly serves as a vehicle for XXXX XXXX Purchases which ends in the number XXXX was compromised with XXXX XXXX XXXX card by XXXX with an unauthorized charge against my citi-card credit card on XX/XX/2021 by XXXX  XXXX ONE TIME FOR A TOTAL CHARGE OF {$540.00} DOLLARS. 

This unauthorized charge by XXXX XXXX WAS NOT APPROVED BY THE COMPLAINANT NOR DO WE KNOW HOW DISH OBTAINED MY XXXX XXXX XXXX XXXX XXXX CREDIT CARD. 

This compromised security breach of XXXX XXXX XXXX XXXX XXXX XXXX CARD had caused harm by suspending my purchases opportunity at XXXX XXXX AND RECEIVING A CREDIT REPORT ACTIVITY ALERT FROM MY DISCOVERY CREDIT PROGRAM. MY XXXX  IDENTITY THEFT MEMBERSHIP HELPS ME STAY INFORMED ABOUT THE CHANGES TO YOUR CREDIT REPORT. RECENTLY, DISCOVER IDENTITY THEFT PROTECTION PROGRAM RECENTLY, DETECTED ACTIVITY THAT NEGATIVELY IMPACTED DAMAGES TO MY CREDIT HISTORY SINCE XXXX XXXX XXXX ANYWHERE VISA CREDIT CARD SENT OUT THIS DAMAGING REPORT THAT MY CREDIT CARD WAS OVER LIMIT. 

I had called the XXXX representative to report this illegal unauthorized charge and the representative stated they would remove the {$540.00} dollar charge and re-issued another credit XXXX XXXX XXXX XXXX XXXX which arrived in the mail on XX/XX/2021. 

I had talked with the XXXX Representative on XX/XX/2021 regarding my suspension of charge card privileges and my credit report negative activity alert which I explained has damaged my credit card history by all 3 credit bureaus, including Experian credit agency. The XXXX Representative says they can not do anything about there negative reporting against me that I am over my credit limit to 3 reporting credit agencies. 

XXXX XXXX says they are investigating many other complainants, some class action ( s ) investigations surrounding these issues and randomly lowering customers credit limits without notification to the customer card account owners causing hardships and other financial penalties which do occur. 

I pray that the Consumer Financial Protection Bureau will order XXXX to remove there false negative credit reports to all 3 credit bureaus due to XXXX Compromising my credit information and allowing XXXX XXXX the capability to approve this illegal unauthorized one time charge of {$540.00} dollars. PLEASE INVESTIGATE XXXX  POLICY AND PRACTICE TO APPROVE THERE UNAUTHORIZED CHARGES AGAINST XXXX-XXXX  CUSTOMERS. 

THIS NEGATIVE FALSE OVER THE LIMIT REPORTING HAS CREATED DAMAGED MY FINANCIAL OPPORTUNITY TO RE-FINANCE MY HOUSEHOLD MORTGAGE AT A MUCH LOWER RATE OF INTEREST. 

I HAVE A CREDIT RATING IN THE LOWERE XXXX 'S RANGE. 

THANK YOU AND XXXX BLESS.
Consumer complaint received 2022-09-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (KS)

On XX/XX/XXXX I made a payment of {$1100.00} to an account XXXX XXXX via zelle ( through my XXXX  XXXX XXXX checking account ). The account holders email is XXXX. XXXX confirmation number XXXX. 

On XXXX I was apprised by the recipient of the funds that it was a scam therefore the transaction is totally bogus. 

This is what I received in the text from the scammer The Zelle account owner is XXXX XXXX and his roommate. I scammed both of you. 
My friend needed a surgery and I had to raise that money for him. I never planned to do that, but I am really sorry. I couldnt stand to see my best friend die in pain. The whole check stuff is a scam. I promise to return your money back to you and XXXX when my friend is back to life. We will work and return money back to both parties. I am really sorry once more. 

I want the bank XXXX  to work with zelle to get the funds back from the scammers. I opened a case with XXXX ( case XXXX ) but have not heard back anything yet. 

I can be reached via email or phone XXXX for any additional details. 

Please assist in this regard XXXX
Consumer complaint received 2022-01-06
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. (FL)

I m disappointed! I dont know how to delete it from my name I was checking my credit report and these accounts still on. Just pulled update of my credit report and I dont see any changes. I already sent few rounds of dispute about them. I believe that someone have my personal information.
Consumer complaint received 2024-02-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I am writing to follow up regarding a hard inquiry that has appeared on my credit report without my authorization. I have submitted a CFPB Complaint but up to this date it is still open and I was not given any satisfactory resolution. Upon reviewing my credit report, I noticed an inquiry made by the company that I have never provided explicit consent to or to your credit bureau to perform an inquiry on my credit file.
Consumer complaint received 2021-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OH)

I am request the REMOVAL of my security freeze/block!!! I am trying to get the updated and accurate information on my credit file! My current and only address and name XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX SS XXXX DOB XXXX Please remove any other Date of Birth on my file. I am in the process of correcting my file with XXXX XXXX, Equifax, XXXX they also have records and files the is wrong.