davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY (FL)

On XX/XX/2019 XXXX XXXX of XXXX XXXX fl passed away. I am XXXX XXXX the surviving spouse. XXXX had an american express account. " XXXX '' was an authorized user on this account. American express has that debt still listed on my credit report. American express told me on a phone call on XX/XX/2019 that i was not liable for this debt seeing how i was an authorized user. I filed a complaint through XXXX and they investigated and said that amex reported that I was still liable. The account was in XXXX 's name the amex last 5 digits of the account # XXXX. social XXXX. I tried talking to them but seems to be going on deaf ears. 

Thank you XXXX XXXX XXXX XXXX
Consumer complaint received 2016-09-05
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Nelnet, Inc. (CA)

Greetings I am not sure if you can help I enrolled in XXXX college XXXX. XXXX loans are due paid before graduating I became delinquent because it was hard to keep up with XXXX loan before graduation. I was dropped from the program because of delinquent account. After wage garnishment I successfully completed a student loan rehab program and I was excited because now I can go back to school and finish to get my diploma in business. Well in XX/XX/XXXX XXXX college schools have all been shut down leaving me with still a XXXX loan I pay for every month I tried contacting Other schools and nobody wants to accept XXXX college credit units. Do I have a case for relief? I am not sure what else to do because I currently have no options. I have a huge debt burden get paid little money and I do n't have the opportunity to complete my program because XXXX schools no longer exist and no body wants my units? I know it has been years but it took me years to bring this student loan current I went thru wage garnishment and finally I enrolled in student loan rehab and did not complete that until XX/XX/XXXX and them XXXX XXXX took over and now nelnet
Consumer complaint received 2019-10-31
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: CAPITAL ONE FINANCIAL CORPORATION (MA)

These are the remarks that is invalid. I would like this to be deleted. 

XXXX OK OK OK OK OK OK OK OK 30 OK OK 120 90 60 30 OK OK OK OK OK OK OK OK XXXX  OK OK OK OK OK OK OK OK OK 30 OK OK 120 90 60 30 OK OK OK OK OK OK OK OK XXXX  OK OK OK OK OK OK OK OK 30 OK 120 90 60 30 OK OK OK OK OK OK OK
Consumer complaint received 2020-11-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2019-10-31
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TOYOTA MOTOR CREDIT CORPORATION (CT)

Toyota Motor Credit XXXX XXXX disputed item for {$3000.00} XXXX XXXX sent debt validation letter XXXX XXXX mailed certified letters information about debt XXXX XXXX mailed letters to attorney general with log sheets of actions taken
Consumer complaint received 2019-10-31
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: EQUIFAX, INC. (PA)

I had already faxed Equifax my documents for proof that I am me. They refuse to do anything to fix this XXXX and are now telling you guys Im not the recognized account holder or authorized representative?????
Consumer complaint received 2024-05-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (IN)

On Friday XX/XX/XXXX I received a XXXX payment from my father. My dad banks at XXXX XXXX XXXX  and the XXXX app is built into the XXXX XXXX XXXX  app. I am a Chase Bank customer and the XXXX app is built into the Chase banking app. 

In other words, XXXX XXXX XXXX  and Chase Bank customers have to use their bank 's app in order to send and receive payments using XXXX. We can not just use the XXXX app itself. XXXX had confirmed that the money was taken out of his account and I received a text message from Chase notifying me that they are processing the payment. 

In the past I received multiple XXXX payments and the money was always immediately available. This time however was not the case. Later that same night I still did not see the payment from XXXX into my account. I can not even see a pending transaction at least assuring the money is at least on the way. 

Saturday XX/XX/XXXX the same problem persists. There is no deposited money into my account. My dad and XXXX customer support had already assured me that the XXXX payment was completed and Chase is refusing to disburse the money from the previous day. I talked to Chase support on Saturday XX/XX/XXXX and asked to speak to a supervisor. 

The supervisor told me that Chase does not have a hold on the account and the XXXX payment is still processing but should be available no later than XXXX  for Saturday XX/XX/XXXX. The supervisor also stated that it's a good chance I would not have to wait until XXXX  and it might be in the day when I receive the XXXX payment. I waited all day, night, and midnight and the XXXX payment is still not in my account. 

As of today on Monday XX/XX/XXXX I still do not have the XXXX payment and Chase supervisor and electronic money movement team gave me unsatisfactory solutions. They are just saying the payment is still processing and the money should be disbursed within 4 to 5 days. I already told them that three days have already passed and I still don't have the XXXX payment today on day XXXX Monday XX/XX/XXXX.
Consumer complaint received 2020-09-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (TX)

I have recieved A response from the named company stating I owe A debt taht i have no knowledge of. I filed A complaint against this company because they are reporting inaccurate information. When i requested proof of debt I was sent A credit card statement. Which is NOT proof of debt. Tis shows that somebody used my name or information and received A card in my name. I have not recieved A signed contract nor copy of my drivers license to show and prove that I am the party they are trying to collect on. I have stated now for the second time that i have not had any contracts, services or cards with this company or the named company on the statement they " Credit one '' Additionally I would like to add the address they have listed on  the statement is not my address. However as of today they are still reporting this incorrect information even after I have informed them that this does not belong to me. This is my final complaint in an attempt to have this company remove this incorrect data from my credit file or I will pursuit legal actions.
Consumer complaint received 2020-09-22
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY (FL)

Before covid I just regularly made payments in store at Nordstrom, where my account had not missed a payment in over 3 years, but on this date most retail clothing stores were closed in XXXX Florida due to increase in Covid positive cases. On XX/XX/XXXX I logged into Nordstrom Card Services ( https : //www.nordstromcard.com/auth/accounts ) to make a payment of {$100.00}. I saw that the ACH bank account on file online was an old personal bank account that no longer existed so I then added a new bank account and proceeded to make the {$100.00} payment. I landed on a " Thank you for making a payment confirmation page where there was no error, no payment incompletion notification, no reason to believe that the task was not done. Norstrom immediately sent an automated email to thank me for making a payment but couldn't send a similar email, or even at the time of making the payment let me know that the old account they were trying to pull ACH from no longer existed, and to try a different bank account like the one I just added and thought I was using to make the {$100.00}, and made another {$65.00} & {$150.00} payment with subsequently?? When I logged into make the {$65.00} payment I still had no idea that the previous {$100.00} had bounced thus charging me {$25.00} in chargeback fees each time, but " thank you for your payments '' on these next two. Recently I began receiving notifications that I had a serious 30-59 day delinquency from XXXX and other credit apps. I logged in to XXXX saw that Nordstrom was reporting me and since I was certain that I had been paying on time and in good standing, I filed a dispute. A few days later I received a notification that Nordstrom upholds that the delinquency was true, so I then proceeded to call Norstrom to get to the bottom of this. The first associate and I determined that no bank account could be found for the {$100.00} I submitted payment for but that day that I did log in to make that payment I had added a new bank account. As XXXX as my witness I had every intention to make that payment but nordstrom card services website tried debiting my old account rather than the new one I had just added, and did not make reasonable effort to notify me to use a different account to make that payment. Rather let me think I'm good at time of transaction and let 30 - 60 days go by before me finding out that I'm delinquent due to a website Error and Ommission. The first Nordstom Card Services associate transferred me to their  supervisor who understood what had happened here, but was forced to constantly reiterate the Fair Credit Act and could not remove this reported delinquency due to their website processing error. That this would be a courtesy removal and would put Norstrom at risk for fines and investigations.
Consumer complaint received 2020-05-20
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 — Investigation took more than 30 days
Company: FRANKLIN FIRST FINANCIAL, LTD (MS)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.
Consumer complaint received 2020-11-21
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. (NJ)

I would like to bring to your attention that all 3 credit reporting agencies XXXX XXXX  and Experian are abusing their authority in keeping consumer credit scoring. I have been suffering financially because of the COVID-19 situation. I have been trying to fix my credit since XXXX so that I can borrow credit in order to sustain with family during this difficult situation. 
Just to sum it up, below are the ways they are making me suffer ; My credit scoring has not changed since XXXX. It is as if they have blacklisted me from gaining points I used my savings to pay off 3 collection accounts that were on my credit report. Although they have removed those collection accounts but the agencies are not returning around 75 points that they had deducted when the collection accounts got on my credit report There have been positive and negative events on my credit report since XXXX but they have not given me any points for positive developments Please help me out in getting this straightened out. This is the last thing the tax paying citizens need to worry about in this pandemic. 

I am attaching one of the correspondences I had sent to them in this regard. They have ignored my request in their responses. 

Thanking you ...
Consumer complaint received 2020-09-22
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. (CT)

On XX/XX/2020, I bought {$320.00} worth of clothes from XXXX. The package never arrived, though the shipping company, XXXX, marked them as delivered. I contacted XXXX, who said XXXX confirmed the package was delivered. XXXX refused to refund or reship the clothes. 

On XX/XX/2020 I opened a dispute with Chase for this charge. Shortly after, I got an email from XXXX saying the clothes would be reshipped. I contacted Chase to cancel the dispute. Later that night I saw that the shipping information in the XXXX email was from the initial shipment. When I called XXXX to confirm the new tracking information, they said it was a mistake and they would not be reshipping the clothes. So I called Chase again, I believe on XX/XX/XXXX, to reopen the dispute. 

Chase said they could not reopen the dispute immediately and would need to wait until the dispute was officially resolved in their system. Instead, they suggested that I contact Chase through their secure messaging system. On XX/XX/2020 ( exact date unknown because that message was archived from their messaging system ), I sent Chase a message through their secure messaging system to  reopen the dispute. I never got any communication about that dispute. 

After months of no response, I emailed Chase on XX/XX/2020 to reopen the dispute. On XX/XX/2020, they responded saying they disputed charge is valid because it was past the 90-day period to dispute the charge. 

I also emailed the shipping company, XXXX, in XX/XX/2020 to inquire about my package. They claim to take pictures to confirm delivery, so I asked to see proof of delivery. They redirected me to XXXX and did not respond to my inquiry. 

Finally, in XX/XX/2020 I contacted Chase again to follow up on the dispute I initiated in XX/XX/2020. They said that they can not request funds from XXXX because the 90-period has passed, that they can not initiate a dispute for the same reason as before ( missing package ), and that they can not take any further action. This information conflicts what I was told in XX/XX/2020 when Chase suggested that I reopen the dispute ; at that time, they didn't tell me that Chase would not open a dispute for the same reason as before. 

I am extremely frustrated that all three companies, Chase, XXXX, and XXXX, have refused to refund my money for a package that I never received. I have been given conflicting or incorrect information, and Chase refused my request to reopen the dispute I made in XX/XX/2020 without informing me. I feel like I've played by the rules, was taken advantage of, and am being penalized for inaction and misdirection by these three companies.
Consumer complaint received 2023-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

Hi CFPB, For XXXX credit card, my account is current and I am paying on time. could you please remove delinquency reported in XXXX, XXXX and Experian credit score. 2 missed payment is showing in credit report, I am attaching screenshot and it is effecting me a lot to apply further loans.Could you please remove them it would increase my credit score and help me. This is causing lot of demotivation
Consumer complaint received 2020-11-13
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NJ)

Taxes and XXXX Insurance are held in escrow by Santander Bank. I had questions about the tax disbursements, specifically item XXXX for Mobile Homes and Utilities. I live in a condominium. Instead of answering the questions about the taxes, the Bank simply omitted payment of homeowner 's insurance.

The Declaration Renewal was sent to the bank as usual on XX/XX/2020. I assumed the delay in payment was because of the Pandemic. XXXX XXXX XXXX began informing me in XX/XX/2020 that payment was due in the amount of {$600.00} and suggested I pay a small portion in order to keep coverage. I did not agree and continued to call, email and write to Santander Bank with no resolution.

Is it possible that Santander can simply not pay the insurance without written notice to me or the insurance company?
Consumer complaint received 2022-04-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (CA)

I paid US Bank for a home appraisal and they are now saying they are going to refund the money I paid to get my home appraised. I am wanting to get rid of my PMI insurance due to having over 20 % equity in the home already. they want me to pay this PMI insurance so they are not being helpful. I purchased my house for $ XXXX and it is worth over $ XXXX. So they should remove my PMI insurance. I am having a terrible time working with US bank on this matter. They are making it next to impossible.
Consumer complaint received 2020-09-22
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. (NC)

I used to have a secured credit card account with XXXX XXXX, also known as XXXX XXXX. It was a $ XXXX-limit credit card, secured by my own {$200.00} security deposit. I had my monthly payments set up on auto-draft and had no problems with the account for a majority of the time. However recently, I had some problems with my checking account. So I contacted XXXX XXXX and made them aware of the problem, and asked for an alternative means of payment. Even though my due-date was approaching, they said that the only thing I could do was mail in a check or money order, and allow 10-15 days for processing. I told them it was fine, but to notate my account of this matter so my account would not report delinquent. Well despite my payment, they did report it late for XXXX. I have since sent XXXX XXXX full payment of the remaining balance, have requested this account closed immediately, and a full refund of my {$200.00} security deposit. It is completely unfair for XXXX XXXX to report accounts late, when no option is given for last-minute payments when issues arise.
Consumer complaint received 2022-03-10
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: EQUIFAX, INC. (LA)

I have witness several inquiries on my credit report from XXXX, XXXX, and Equifax that were not created or authorized by myself. I have contacted each reporting bureau on XX/XX/2022 and shared my concerns. I have also placed a freeze on my credit report to stop further fraud opportunities. I was informed from an XXXX to create an FTC report and contact each company. I have contacted each company and all has refused to assist me with deleting these false inquiries. I will list the companies below XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, LXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  To, XXXX XXXX XXXX XXXX
Consumer complaint received 2020-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I used to have a secured credit card account with XXXX XXXX, also known as XXXX XXXX. It was a $ XXXXlimit credit card, secured by my own {$200.00} security deposit. I had my monthly payments set up on auto-draft and had no problems with the account for a majority of the time. However recently, I had some problems with my checking account. So I contacted XXXX XXXX and made them aware of the problem, and asked for an alternative means of payment. Even though my due-date was approaching, they said that the only thing I could do was mail in a check or money order, and allow 10-15 days for processing. I told them it was fine, but to notate my account of this matter so my account would not report delinquent. Well despite my payment, they did report it late for XXXX. I have since sent XXXX XXXX full payment of the remaining balance, have requested this account closed immediately, and a full refund of my {$200.00} security deposit. It is completely unfair for XXXX XXXX to report accounts late, when no option is given for last-minute payments when issues arise.