davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: JPMORGAN CHASE & CO. (VA)

I have a credit card with Chase Bank, and I received a letter yesterday ( XXXX XXXX, 2017 ) presumably from Chase Bank. The letter is dated XXXX XXXX, 2017. 

Yesterday evening, I called the number listed on the letter because I wanted to know more about the matter the letter speaks of. The letter states that someone other than the primary card member tried to get information about my account, but the letter does n't provide any more specifics about who tried to access my account. So, I called to follow up for security purposes. 

When I called the number, it sounded like the Chase automated system. It asked for the last four digits of my account number ( I just provided the account numbers listed on the letter ), and then, it provided me an overview of my existing credit limit ( which sounded somewhat accurate ). I was then directed to a female customer service representative who listened to my inquiry, and then, she directed me to the " financial services fraud team. '' I spoke with a man named XXXX, and he gave me his employee identification number. He then asked me for my date of birth, my mother 's maiden name, and the last four digits of my social security. When I provided the information, he said the information was n't correct, and he asked me to repeat the information. When it did n't work again, he asked me to repeat it. I became frustrated with having to repeat myself, and he said that he just needed to verify my account security questions before we could proceed. I started to become concerned this was a scam so I hung up. 

I called the number listed on my Chase credit card to report the incident. The representative I spoke with said no letter was sent to me on or near the dates in question and that the number the letter provides is not a Chase number. The representative also told me that the account number was not my credit card account number. The representative told me my account has not ( yet ) been compromised and asked me to email a copy of the letter, which I did today ( XXXX XXXX, XXXX ). 

I submitted a fraud complaint with the FTC as well ( Reference No. XXXX ), and the FTC website indicated that I could also submit a request to the CFPB. ( I love XXXX. XXXX! ) I 'm happy to provide the CFPD with a copy of my letter and envelope to help resolve this investigation. I have dealt with the Chase Fraud Team before, and I am skeptical of their ability to promptly follow up on security fraud issues. 

I found this scam to be particularly alarming. I am used to receiving scams by phone, cellphones, or text ; I have never received a scam using letterhead of an official, nation-wide bank. It was very convincing. 

If you have any questions, please contact me.
Consumer complaint received 2021-09-09
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. (TX)

UNDER THE FCRA LAW I would like the following inaccurate items removed from my credit report immediately. 

The following Name, Address, phone # & Social security # are NOT mine and would like them removed from my report. 

XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX  XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX This address has pertained to a business : XXXX XXXX XXXX XXXX LA XXXX. 
RETAIL TRADE BUSINESS : XXXX XXXX XXXX, XXXX, LA, XXXX. 

THE ABOVE ADDRESS IS NOT MY BUSINESS. 

FCRA violation
Consumer complaint received 2021-08-13
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: EQUIFAX, INC. (VA)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2022-02-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (VA)

Per the guidance of the Homeowners protection act. I mailed in the necessary request and payment to have my home appraised to remove PMI. I have made many improvements to my property after purchase, and its value has appreciated substantially. PHH mortgage is unwilling to honor my request to re-appraise, without any justification.
Consumer complaint received 2021-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN HONDA FINANCE CORP (NY)

Hello, I leased a vehicle from American Honda Financial in XX/XX/2020. Honda made the first payment for my vehicle which covered the period between XXXX and XX/XX/2020. I made multiple attempts to pay my account in the month of XXXX by inputting my bank account information. 

I received a message in XX/XX/2020 that said " thank you for your payment '' which led me to believe I had successfully made payment on the account. It came as a surprise to me when my account showed as past due a week later. The issue was that Honda did not try to pull the money out of my bank account until 1 week later after the honda account was past due. When trying to pull the money from the bank, honda was unsuccessful. 

Honda was unsuccessful because the account led with " XXXX '' which has otherwise been successful with other attempts to retrieve cash from my bank account. My bank account had more than sufficient funds to make payment - in fact the lease is now fully paid off. 

The payment was seen as past due because of a clerical error and caused a significant hit to my credit report.
Consumer complaint received 2018-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

On XXXX-XXXX-2018 I ordered TransUnion credit report linked from free reports US government. In order to obtain a FICO score, you are forced to give credit card or debit card for perpetual drafts against your account-about 350 dollars a year. You can not cancel this service, the XXXX number is busy or refers you to circular XXXX. 

My problem is that this is linked from an official US Government website. 
This is nothing but a XXXX type scam. 
This is one of our major player credit reporting company running this scam to get a few bucks from poor/disabled.ignorant people.
Consumer complaint received 2019-10-29
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. (GA)

I reached out to the XXXX XXXX XXXX Georgia to see if they supply information to a 3rd parties like credit bureaus after sending in my dispute letters to the 3 credit bureaus it keeps coming back verified.
Consumer complaint received 2019-10-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AZ)

On XX/XX/XXXX I received an email saying that my account with USAA was closed. I contacted them dip try to find out why because I receive direct apposite of my SSD and it was due in three days. They informed me that oh well didnt matter I receive a check in 20 days I told them that I need my money sooner than that I have to pay my bills I have to buy medication and I have to feed my kids I was instructed that there is nothing they can do I got transferred to another young lady she said that I can open up another account and the funds can be deposited there I was like a fine then a guy got on the phone and said That cant happen. So I took it to social media finding out that this company has done this to many more people so they were banning together to do a lawsuit I contacted them again they contacted me I spoke with the guy named XXXX he told me that it will be expedited on Thursday and I should have it so I can you know do whats needed. the call got disconnected he never tried to reach back out I called them again he told his team member to tell me itll be 10 days for them to review a deposit that theyve been getting for over 5 years and then cut me a check and then XXXX XXXX it out so I would not receive a check until around XX/XX/XXXX. How am I supposed to buy medications for my XXXX XXXX waiting into the XX/XX/XXXX or buy food
Consumer complaint received 2022-08-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX, XXXX Account # XXXX, has violated my right. 15 U.S. C 1681 section 602 A. STATES I have the right to privacy. 15 U.s.c 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2019-10-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (NV)

This is not my debt I never had any account with XXXX XXXX. They tried this before under a different name and the dispute was fixed. Now its back with a different collection company. I need this fixed soon once and for all. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2018-01-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Optimum Outcomes, Inc. (GA)

On XXXX XXXX,2017. I sent certified letters to XXXX XXXX XXXX asking them to validate 3 accounts they are reporting on all three credit bureaus. They fail to validate the debts. I do not have a contract with them. These debt are from XXXX XXXX which had no permissiin to share my medical information with a thid party. I also sent letters to XXXX, XXXX, and XXXX. XXXX XXXX deleted 3 of the accounts. XXXX still reports all 3 accounts. XXXX only deleted 1 account. I have had no verbal communication with XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL. XXXX XXXX XXXX C/o XXXX  XXXX XXXX {$1000.00} XXXX XXXX XXXX {$540.00} XXXX XXXX XXXX {$94.00} They trying to collect a debt they do not have a right to collect.
Consumer complaint received 2018-01-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pinnacle Credit Services, LLC (CA)

XXXX XXXX XXXX Account # XXXX Original Creditor XXXX XXXX XXXX XXXX Company Sold - Account Type Collection Account Date Opened XX/XX/XXXX Account Status Open Payment Status - Status Updated XX/XX/XXXX Balance {$480.00} Balance Updated XX/XX/XXXX Original Balance {$480.00} C/O XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX This debt was removed then went back on my report. It is not accurate and it had been sold mulitple times. I also have disputed this as not mine but a family member who used my old account to add themselves to mine. It is also being reported twice and it is same account.
Consumer complaint received 2019-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSWORLD SYSTEMS INC (AR)

ALL 4 CREDIT BUREAUS ARE FALSELY REPORTING ISAC, XXXX XXXX REMOVED DO TO SOL EXPIRED, ON XX/XX/2019 WAS SOLD TO TRANSWORLD SYSTEMS AND OWNS DEBT AND CEASE COLLECTIONS.
Consumer complaint received 2019-10-29
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: DISCOVER BANK (FL)

I have been paying for charges that i didnt performed on this card for almost a year. 
i want this report so i an escalate this to the next level. since i didnt performed this charges.
Consumer complaint received 2019-10-29
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: Advanced Resolution Services Inc. (CO)

Received a letter from an unrecognized consumer reporting agency named Advanced Resolution Services notifying me of changes to information they provide about me to financial institutions. The letter goes on to say i can request a copy of these changes to their report but requests things like my social security number, copy of my drivers license or passport, and signature among other personally identifiable information. I did not contact this company. Tried to look them up but there is no information on the internet other than similar complaints/ issues
Consumer complaint received 2018-01-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants and Medical Credit Corporation, Inc. (MI)

XXXX XXXX sent Merchants and Medical my detailed medical information without my written authorization they have what was performed while I was in the hospital what medication I was given full details which is violating the HIPPA law also they do not have a sign contract to have my medical information so there for I do not have a contract/debt with their collection agency and have written them several letters asking them for proof of my signature for them to have my information and all they can send me is a copy of the bill this debt needs to be removed from my credit report other bureaus I have contacted have removed other medical because of this very same reason but they will not and it is against the law! They also deleted it and relisted it as well
Consumer complaint received 2022-08-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (MD)

On XX/XX/22 I saw an offer on my account to activate " pay over time '' feature in order to receive XXXX American Express membership points. I took a screenshot of the offer and I activated the feature. To this day I still have not received the points, American Express denies this offer being on my account. I submitted the screenshot proof and they continue to deny it.
Consumer complaint received 2019-10-29
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. (CA)

On XX/XX/2019 I tried calling Equifax to release a freeze on my credit. I gave them all the information requested but they were still unable to check my credit/pull off my freeze. I need this for my business and need it to be handled in order to move forward.
Consumer complaint received 2019-10-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA (OH)

To the Consumer Financial Protection Bureau : I am writing to make an official complaint against Mohela, my federal student loan provider, regarding the capitalization of > {$10000.00} in accrued interest on my loan after I entered the first payment period. I graduated from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX, repayment for the first time. I believe that the capitalization of my accrued interest is an unfair business practice and I was deliberately misled by Mohela regarding the capitalization of my loan. 

I have called Mohela to discuss my loan >5 times between XX/XX/XXXX and XX/XX/XXXX and was never told that the accrued interest would capitalize. The two signed promissory notes, one for XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) and one for XXXX XXXX and XXXX XXXX XXXX ( XX/XX/XXXX ) both state that accrued interest " may '' capitalize and the subsequent interest statements that I received also said that interest " may '' capitalize when my loans enter repayment after graduation. None of the paperwork that I signed ever clearly stated the rules and conditions under which this judgement would be made by Mohela. " May '' is a deliberately vague and misleading description that leads me to believe Mohela made the decision to capitalize my accrued interest at their own discretion, and in a deceptive manner. This business practice will likely result in an increase of > {$4500.00} in loan repayment to Mohela. 

I am happy to provide any additional documentation from Mohela that is necessary to review my claim. I hope that the CFPB will assist me in this matter. 

Kind regards, XXXX XXXX
Consumer complaint received 2018-01-19
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. (MS)

XXXX/XXXX/XXXX I have been sending out letters with the credit laws asking for verification for months with no response to the situation and Equifax will not remove the unverified items.This letter was sent on XX/XX/XXXX
Consumer complaint received 2021-08-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

I was offered a capital one quicksilver card with promotional offers of 0 % Apr for 15 mos and {$200.00} in rewards once you spend XXXX in the first three months. I accepted this offer on XX/XX/XXXX. I noticed that my 0 % Apr is due to expire on XX/XX/XXXX, which is only 10 mos. I contacted capital one and they said they can change the terms and I was only accepted with 9 mos interest free. My 0 % Apr should be until XX/XX/XXXX. Secondly, I was never received my {$200.00} in rewards after spending {$500.00} and I was told I was never offered it. I recorded these conversations.
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MI)

I was recently looking at my students to get an idea how much I owe so I can setup an payment plan to get my credit back in order. I notice there was a college called XXXX XXXX listed on my credit score listed for {$10000.00} and the loan was taking out I believe XXXX  or XXXX. I know for sure I didnt attend XXXX XXXX , now Im in the process of filing a identify thief because I never taken a loan out at XXXX XXXX. I dispute with Experian and it state that they information was certified that the information is correct but again I know for sure information isnt correct. Now the other three college listed on my credit are correct and I did attend to those school but XXXX XXXX I never attend that school at all.
Consumer complaint received 2018-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (PA)

I had a mortgage with XXXX XXXX (account XXXX) that was foreclosed.  The mortgage had been passed to several other sources including XXXX XXXX XXXX (account XXXX).  The first delinquency prior to charge off was prior to XX/2011.  But it has been passed around so many times that each company updates the date of last activity to when they got it.  These accounts are OUTSIDE FEDERAL OBSOLESCENCE. and need to be removed.  I have disputed them with the three credit bureaus and they have remained.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Early Warning Services, LLC (GA)

Early Warning Services is continuously reporting fraudulent bank accounts ( a direct result of identity theft ) to my Early Warning Services report. I immediately noticed these unauthorized accounts ( I believe in Septemeber or so of 2023 ) and some fraudulent bank inquiries, and filed an FTC Identity Theft Affidavit, and police report, and submitted the documentation detailing the fraudulent accounts ( all documentation submitted with the dispute is attached below along with this complaint ) that I did not authorize. 

I have the XXXX receipt confirming the delivery of the dispute letters. One was addressed to the CEO himself, and the other to the default Early Warning Services dispute address. Neither letter received a response. And at this point I am running out of options when it comes to remedying this current situation. Unfortunately, since I am clearly the only one that cares ( and also the only one having to experience the effects ), EWS has made it's level of concern regarding this issue very apparent ; to my detriment. 

I would just appreciate not having to continue this process of consistently providing the documentation, confirming identity theft, and to still have to suffer the consequences of some fraudster who obtained my information. It is EWS purpose to protect us ( consumers ) from being affected in situations like this. Yet I have not once received any kind of response from them that was beneficial in some way shape or form.