davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO. (NY)

I purchased a trip with XXXX  company to travel to XXXX in the amount of {$2200.00} back in XXXX of XXXX. The travel time was in XX/XX/XXXX which the pandemic just started. I called my credit card company to dispute the charge because I can not travel outside of USA at that time. However, XXXX challenged back to my credit card company and I lose the dispute and was charged the full amount, with the promised from XXXX  to give me a credit to travel up until the end of XXXX. The credit card company then charged me the amount of {$2200.00} back in XX/XX/XXXX saying that I lose the case. However, XXXX  recently emailed me stating that they are out of business, and told me to claim my refund via my credit card company. This has been about a month now, I send all the email that I received from XXXX  stating that they are out of business and would like them to re-open the dispute charges. According to the credit card company rules, they can not re-open the charge because they already did it once and lose it to XXXX. XXXX  emailed me back to say that I now have to file a claim saying that they can no longer provide any more service and it is under " services not rendered ''. please get back to me asap regarding this claim. I have all the document from XXXX. I can provide all the document via email as well.
Consumer complaint received 2020-07-17
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

XXXX XXXX falsified an agreement on a recorded line stating that I had agreed to pay a certain amount on a debt. After I said no and said I never had agreed to anything, the representative helping me said i did. I then told her I was reporting the false claim and accusations of me and that I knew my rights. She quickly then retracted what she said and could not give me a straight response. The call happened on XX/XX/XXXX at XXXX XXXX  on a recorded line. The falsified agreement has been disputed as well.
Consumer complaint received 2020-07-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Equitable Acceptance Corp (IN)

I was approached by XXXX XXXX and Equitable Acceptance to so called help me get loan forgiveness on my student loans. In the process of them so called helping me they have charged about {$1300.00} to do absolutely nothing for my student loan forgiveness status. All of the forms that I need to qualify for loan forgiveness are on the Federal Student Loan Website. 
XXXX XXXX and ( Equitable Acceptance ) which whom XXXX contracted out to collect their fee 's did absolutely nothing for me. 
They are charging people to handle their loans and loan forgiveness when they in all actuality are a needless middleman. In XXXX  when I first got involved with them they never even gave me the correct forms to fill out from the get go, in which all actuality I could have downloaded from the federal student loan website myself. I was then made to sigh up with Equitable Acceptance to pay a total fee of {$1300.00} These people are Scammers!!! XXXX XXXX and Equitable Acceptance.
Consumer complaint received 2020-04-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY (TX)

Ive had american express credit card since XXXX. I joined XXXX in XXXX i started the process for SCRA benefits  with american express on XX/XX/XXXX. I completed the process and application was sent. Told me would take up to 60 days. I received a Ietter by mail that my benefits had been approved. Waive late fees, waive over draft fee, waive annual fee but nothing on capping the interest rate at 6 %. i message back on XX/XX/XXXX and saw that my interest went from 14.99 % to 14.49 %. I then proceded to call american express on XX/XX/XXXX, XXXX they told me my SCRA benefits have been approved and that a letter by mail had been sent to me on behalf of my benefits. I told them i got the letter but my rate should be no higher then 6 %. So we resubmitted the application. On XX/XX/XXXX i message again just to see if my rate had been adjusted and i was told i had to wait 60 days because i had submitted application on XX/XX/XXXX. I message again on XX/XX/XXXX for my interest rate and notice it went from 14.49 % to 12.99 % so i proceed to complain about the situation. I requested that someone for high position call me. I received call from an american express employee and we had a 29 minute conversation on how they cant lower my interest below 12.99 % she said they already brought it down from 14.99 % to 12.99 % and thats the most they could do.
Consumer complaint received 2020-07-17
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Portfolio Recovery falsified an agreement on a recorded line stating that I had agreed to pay a certain amount on a debt. After I said no and said I never had agreed to anything, the representative helping me said i did. I then told her I was reporting the false claim and accusations of me and that I knew my rights. She quickly then retracted what she said and could not give me a straight response. The call happened on XX/XX/XXXX at XXXX XXXX on a recorded line. The falsified agreement has been disputed as well.
Consumer complaint received 2020-07-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I received a SBA grant for XXXX . Bank of America froze my account and closed it without any prior notification. My funds were never sent back after the closure. I was told by several employees that I would receive a check for the remaining balance which has yet to be sent. This was on XX/XX/XXXX. Today is XX/XX/XXXX and I have get to anything.
Consumer complaint received 2021-09-22
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: Experian Information Solutions Inc. (TX)

XXXX XXXX fraudulently opened an account for a timeshare under my name and social. I have been in contact with XXXX XXXX since I became aware of the issue. XXXX XXXX from the XXXX XXXX department advised via email on XX/XX/2021 that the account would be closed and removed from credit reports as this sale was null in void and never signed for. 

I was also advised to file a report with the FTC and to dispute with the credit bureaus. 

XXXX XXXX does not have any validating information regarding this account. The only information provided is an UNSIGNED Deed of Sale and an email stating the sale was NULL IN VOID. 

Experian and XXXX have failed to delete this fraudulent account. All documentation confirming this fraudulent activity was provided to the credit bureaus. 

The following account needs to be deleted : XXXX XXXX - BALANCE REPORTED {$6700.00}
Consumer complaint received 2020-07-17
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: Experian Information Solutions Inc. (OR)

XX/XX/XXXX I WROTE XXXX XXXX XXXX ABOUT THE EIGHT HARD INQUIRIES ON DATES XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX. IM REQUESTING YOU SEND ME PROPER PROOF THAT WHAT YOU ARE REPORTING IS TRUE, IF YOU CAN NOT, IMMEDIATELY REMOVE YOUR FRAUDULENT INQUIRIES FROM MY CREDIT REPORTS ACCORDING TO FDRC. 

THERE IS MORE TO THE LETTER AND IF YOU WISH TO REVEIW IT I WILL PRODUCE IT FOR YOUR COMPANY. 

P.S. I HAVE NOT HEARD FROM XXXX XXXX ANY TIME SENCE MY LETTER. I ALSO WROTE ALL THREE CREDIT REPORTING AGENCYS AND THERE RESPONCE WAS THAT I DID NOT SEND THEM ENOUGH INFORMATION TO VERIFY THAT THIS WAS ME ASKING FOR THIS REQWUEST. I SENT THEM EVERYTHING AND I MEAN EVERYTHING ....

IM SO TIRED OF THIS XXXX ... ITS CRAZY AND I CANT UNDERSTAND WHAT IS THE PROBLEM HERE, TO ME IT IS SELF EVIDENT AND IF YOU CAN NOT SEE THIS PROBLEM THEN YOU ARE JUST AS BAD AS THEM WHOM ARE TRYING TO HOLD ME XXXX FOR XXXX ONLY KNOWS WHY ... 

IF I SOUND A LITTLE UPTIGHT WELL That's BECAUSE I AM ...
Consumer complaint received 2020-12-04
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. (IA)

Several accounts on my credit report that dont belong to me I have replaced my ID, and also disputed these transactions with the companies. If it is not resolved I will be filing a police report. The accounts are not mine and need to be removed are listed below with balances. XXXX XXXX XXXX balance : XXXX, XX/XX/XXXX XXXX XXXX balance : XXXX, XX/XX/XXXX balance : XXXX, XXXX XXXX XX/XX/XXXX balance : XXXX.
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 — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

My complaint is about 2 credit bureaus, Transunion and XXXX and the continuous reporting of unverifiable Public Record : Bankruptcy and unauthorized auto inquires : Since XX/XX/2019, I have written 10 certified letters to Transunion and 3 certified letters to XXXX requesting the deletion of the unauthorized auto inquiries and method of verification of the Public Record. To date, I have not received a method of verification as requested the name, title, address, and telephone number of the person at the courthouse who verified this information per the FCRA. 
XX/XX/2019, I received a letter from Transunion in the mail acknowledging my credit freeze was added to my file. Shortly thereafter in the month of XX/XX/2019, I received a post card in the mail from Transunion stating my fraud alert has been added to my file - - - see attached XX/XX/2019, I received a letter in the mail from the US Bankruptcy Court of MD stating the US Bankruptcy Court of MD is not responsible for verifying and validating information from consumer credit files. I have sent this letter multiple times to Transunion and XXXX on the dates after XX/XX/2019. - - see attached XX/XX/2019, XXXX sent me a letter stating to date they have not received a response from TransUnion, XXXX, or XXXX  regarding this matter. 
Despite my multiple submissions of my courthouse letter and my multiple submission requesting my proof of any submitted credit applications with my wet signature - - these request to date have gone unresolved.
Consumer complaint received 2019-08-19
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (IL)

Comenity Bank owns the Victoria Secret credit card. They closed my credit card and there is a credit balance of $XXXX. I spoke to manager XXXX on XX/XX/XXXX at XXXX; he told me I will receive it by end of XX/XX/XXXX. I still have not received a refund.
Consumer complaint received 2022-11-18
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. (MO)

You have been stubborn with the requests to remove the negativities from the accounts that are reporting erroneous information on my Credit File and you have been neglecting your responsibilities with the Fair Credit Reporting Act. I am submitting this CFPB complaint once more to request to you to remove the disputed erroneous accounts corrected as soon as possible. Also, you have been failing to send me copies of proof of verification from your supposed investigation. Did you really conducted any investigation at all? Now, I am submitting this last and final CFPB complaint to request to you to correct the disputed accounts from my Credit File as soon as possible. Here is the list of accounts that you should have corrected at the begining : XXXX XXXXXXXX Balance : {$0.00} DEPT OF EDUCATIONXXXX XXXX Balance : {$6700.00} DEPT OF EDUCATIONXXXX XXXX Balance : {$5100.00} DEPT OF EDUCATIONXXXX XXXX Balance : {$5100.00} DEPT OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX  XXXX XXXX Balance : {$3700.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$3300.00} XXXX XXXXXXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2020-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

Im under Quarantine and have attempted to get the Fax # to Experian. I have to fax some documents as I can not go outside due to covid. Id like to have the dispute Fax line to Experian. Thank you
Consumer complaint received 2020-07-17
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: Experian Information Solutions Inc. (MS)

My name is XXXX XXXX XXXX, my ssn is XXXX. The issue I am having is with a company from XXXX  XXXX Oklahoma makes XXXX XXXX XXXX XXXX. I one about thats over 7 years 3 months old that is still on my credit report. I have another account with them that will be 7 years old on XXXX XXXX,2020. Finally this company has conducted 2 hard inquiries this year without my permission.
Consumer complaint received 2020-07-17
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: CITIBANK, N.A. (NJ)

I booked a trip using citibank 's Thankyou.com on XX/XX/XXXX using XXXX thank you points ( trip ID XXXX ). Later the trip had a significant schedule change so I called in XXXX to cancel the flight to get a full refund in the form of thank you points. The cancellation took over 90 days and I finally got the refund of the points back to my account on XXXX after calling the customer service again. However, when I checked my account back on XX/XX/XXXX -- the points disappeared. I called the customer service of citibank thankyou service and I was told that those points were refunded to a credit card account that has been closed/converted and therefore forfeited. This a unfair treatment to the customer as ( 1 ) citibank should not refund the points to be associated to an account that has been closed/converted ( 2 ) no one has informed me that these refunded points will just expire 3 days after it is being refunded and there is no way to check that on citibank 's website. ( 3 ) when I checked the website on XXXX -- the refunded points were shown under my active Citi Premier card ( 4 ) the refund process took over 90+ days after my initial call for cancellation. I contacted Citi 's Thankyou customer service several times on XX/XX/XXXX and XX/XX/XXXX ; during the last call, the representative said he had submitted a request to credit the points back to my account within 5 days ; but the points are not available as I checked on XX/XX/XXXX.
Consumer complaint received 2024-03-20
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

On XX/XX/2024 I called the company ( Capitol One ) in regards to a {$120.00} interest charge made on XX/XX/2024. The agent told me it was because the introductory APR had expired. I had asked the date of the expiration, and was told how that interest accrues based on the last 2 statement cycles but no date was provided. I paid the balance in full on XX/XX/2024 to make sure the card was paid. I contacted the company on XX/XX/2024 to ask for the charge to be removed since I didn't know the expiration date of the promotional 0 % APR and it was not included in any statement or document since the account was opened. Per section 1026.7 ( b ) ( 14 ) that date must be provided on periodic statements. I asked again can you please provide me with the exact date when the promotion expired, two agents ( XXXX XXXX XXXX ) could not find such date even after looking for a total of 49 min. Instead I was told that balance transfers would automatically accrue interest. This account never had a balance transfer to which I was told to go to a website to learn how to calculate interest rates, but the date was never provided. Finally the agent XXXX ( Agent # XXXX ) told me that she could only put my comments in feedback to the company, but nothing could be done because the promotion had expired, to which I asked again can you please provide me with the date the promotion expired and she repeated herself that she could provide my feedback to the company and I ended the call.
Consumer complaint received 2023-01-12
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. (MD)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$540.00}
Consumer complaint received 2021-09-22
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: EQUIFAX, INC. (TX)

I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of Identity Theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Affidavit. Please delete the items as soon as possible. 

ACCOUNT NAME : XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX ACCOUNT WAS OPENED : XX/XX/XXXX ACCOUNT BALANCE : {$2300.00} ACCOUNT NAME : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX ACCOUNT WAS OPENED : XX/XX/XXXX ACCOUNT BALANCE : {$1200.00}
Consumer complaint received 2021-09-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (AZ)

SLS is my mortgage company they continue to harassment working me out of my house. Ever year they sent shortage on escrow. Last year I told them Im on a fixed income. I paid the XXXX lister they raised my house payment from XXXX to XXXX again this year they are doing the same thing they want XXXX and the raise my payment XXXX. I told them I wanted to pay all the escrow so my payment stays the same. They are refusing that to force my payment up again. This is the worst company. They dont give you options. Its like they are slowly pushing me out of my home.
Consumer complaint received 2020-11-16
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MD)

I recently sent letters over 60 days ago to Experian and they are disregarding a regular consumer disputes. I'm stressed and have been sending letters before this and still no response.
Consumer complaint received 2020-07-17
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (WA)

In 2018, I was part of an eviction proceeding whereby it was agreed that the eviction would be dismissed upon payment of a total amount of {$2100.00}, which included rent due and lawyers fees. Because the landlord refused the submitted last month rent amount of {$1000.00} in order to comply with eviction laws, they wrote me a check for this amount, which I never cashed. This check is to this day in my possession. There was also a total of {$300.00} deposit paid which should have further reduced this total amount owed to {$790.00}, which I have advised them that I am ready and willing to pay. Genesis, the company which seems to have bought this debt has tacked on about {$1600.00} in late fees to this {$2100.00} figure, with no transparency as to billing or justification. They have repeatedly failed to properly account for the last months rent or provide a billing that either justifies the amount they claim is owed or why the additional late fees have been accrued.
Consumer complaint received 2021-09-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (WA)

I received a call from XXXX ( XXXX ) XXXX stating they were my bank ( JP Morgan Chase ) and that I had fraudulent activity on my card and that I needed to transfer money from my checking account ( {$2000.00} ) through XXXX to myself. I hung up and called chase and they said they would never ask for me to transfer money like that.
Consumer complaint received 2020-07-17
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (AL)

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : DEPT OF ED/XXXX  Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX