davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-10
Product: Credit 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. (TX)

My card was stolen/ or lost and used as Im not sure when this would have occurred and didnt report it missing until I noticed charges hit the card. Several charges were made on the card on XX/XX/XXXX. This was confusing for me as I dont frequently use this card and dont usually carry it with me so I may have filed the complaint incorrectly when I originally reached out. I dont live or work near where these charges occurred and have not been to these specific establishments. I do not have friends or family authorized as a user on this card. I reported these charges several times and Chase has denied my claim without providing evidence as to how they validated the charges. I did not make these charges and frustrated that Chase does not offer access to a path to elevate these claims. As a loyal customer of Chase for many years I expect support and protection. Total fraud charges repeatedly denied by chase {$660.00}. 
XXXX XXXX XXXX XXXX {$130.00} XXXX XXXX XXXX  XXXX {$140.00} XXXX XXXX {$41.00} XXXX XXXX {$110.00} XXXX {$220.00}
Consumer complaint received 2015-07-14
Product: Credit card — 
Issue: Billing statement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I opened up a XXXX " Outdoor Rewards '' Master Card. I did not get a " XXXX '' statement. The XXXX statement I received said that I missed the XXXX payment and I was being assessed a {$25.00} late fee plus {$7.00} in interest. I called the customer service number and " XXXX '' said that she could not help me and take the late fee off due to my accnt. being delinquent. So, according to them, it is my fault that I did not make the XXXX payment ( even though there is no way I could have not having received a first statement ).
Consumer complaint received 2023-03-16
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. (CA)

XX/XX/XXXX found out name was breached in XXXX Data Breach. I notified the credit bureaus, FTC ID Theft Affidavit was filed and was given a claim of the Breach. 

I sent out letters XX/XX/XXXX and to dispute the erroneous accounts, addresses, and names that proves it not mine and requested investigations and verify that all info on my report are correct and accurate. 
According 15 USC 1681i, everything must investigated in 30 days and with verifiable and accurate info. EXPERIAN and XXXX has violated my rights by simply not even investigating the errors. They also did not add that the accounts were in dispute. This is another violation of my rights. 
XXXX and EXPERIAN deleted XXXXXXXX XXXX account but illegally put back on the same disputed account with a new number. 
I have attached the FTC AFFIDAVIT that was filed in XXXX along with the new Affidavit showing the illegality of the XXXX. 
XXXX XXXX XXXX ND XXXX is commercial building, XXXX XXXX ND XXXX has three different variations of same address for abandon building. 
There still 20 variations of my name and 10 diffrent addresses. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Card XXXX Delete these errors and accounts that are not mine or I will want monetary compensation for my violating rights also discrimination due to my age and fraud.
Consumer complaint received 2022-02-08
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation (IL)

I borrowed XXXX from one main financial in XX/XX/XXXX. Then on XX/XX/XXXX I borrowed XXXX after the individual stated since my credit score was XXXX I'd only have an 11 percent interest rate which apparently isn't correct to one main financial its XXXX percent after reviewing the audit they sent I still owe over XXXX I've been paying monthly since loan began. Now I feel I've been lied to also had disability insurance and death on original loan which wasn't returned or refunded plus they refused to make 2 payments after I became XXXX due to injury.any help would be appreciated
Consumer complaint received 2018-11-29
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MS)

I have not received any confirmation on how you have verified the alleged accounts attached in my Exhibit of the credit report and therefore request that you consider this a final notice to your offices. Past this point, the CFPB will have authenticated sworn testimony from my end which I would proudly present in court if needed as supporting evidence of my trying to rectify the subterfuge that you are reporting
Consumer complaint received 2017-04-30
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. (IA)

XXXX   XXXX   XXXX     {$240.00} I called and had this settled and paid off. I cant remember the person I spoke to but I asked before I pay this settlement will it be removed from my credit. The rep told me yes but she lied. Then I tried to call back and they told me that they never told me that, they send it to credit bureaus as pay as agreed. This needs to be removed because it has been paid off and I was told that it would be deleted off my credit
Consumer complaint received 2024-05-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2024 I received a call from XXXX XXXX. She told me that there was an urgent legal matter, and that I needed call another number to find out what it was. She also gave me a case number. 

I then called the number XXXX. A XXXX XXXX answered and told me they were trying to collect a debt. They would not give me any information other than it was from XXXX XXXX  and the amount I owed. She told me that I would be going to court unless I settled at 50 % of what was owed. She said her company was XXXX XXXX. I gave her my email so she could send me the documentation to review. 

I got a XXXX XXXX with very little information, as well as a space to put my credit card number. I did not do this and instead researched my credit information. My credit is completely clean. 

On the document it had a website : XXXX  This website does not exist. 

I then emailed her XXXX XXXXXXXX and told her that this information they had is not correct and that they needed to supply more documentation. The XXXX XXXX was then cancelled.
Consumer complaint received 2016-04-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: General Information Services, Inc (CA)

I contacted General Information Services to verify and validate the information that they have on record as it was incomplete or nonexistent. General information Services failed to provide the signed agreement between me and the original accuser that contained ANY facts that matched what they had in their database system. They did not change the status nor did they provide me with relief for the damages that they caused me.
Consumer complaint received 2018-11-29
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (WY)

I am writing because last night around XXXX I got my usual deposit into my account. The amount deposited is in the screen shot I attached. I also still had around {$36.00} in my account. Bluebird has been down and the system is starting I'm {$510.00} negative due to there technical difficulties. However, I have to pay rent and if I dont get it in by tomorrow I may lose my place. I also can not use my card and I scared that something is really wrong. This is not fair to me being kept from my money and I am ending up with a bad situation due to this.
Consumer complaint received 2016-02-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (GA)

I need relief from mortgage insurance on my current loan. I refinanced my home several years back under President Obamas HARP program. My mortgage company at the time was Greentree and the PMI would be removed in XX/XX/XXXX. I contacted my current service provider Ditrech and was told this cant be removed until XX/XX/XXXX. I am not clear for the reasons for this, but I need this resolved as I have had a severe reduction in income since XXXX due to illness and XXXX and am looking at a forced early retirement due to this condition. it is a strain on me to pay for co pays and medicine and to pay an extra {$200.00} + per month on a house payment that has not been late in almost 10 years of payments.
Consumer complaint received 2022-02-08
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings (GA)

XXXX XXXX XXXX is a collection agency for rental properties and has reported to my credit reports on November 21, 2019. I never received any correspondence from them about owning debt so I was not afforded the right to request validation of debt. When I got notice of collection on my report, I immediately sent a debt validation letter to said company.XXXX XXXX XXXX never sent me anything showing I owed the debt but they did send me a letter dating XX/XX/XXXX which stated the original amount of debt was and then the interest they added onto the debt to make total even more. According to the FDCPA, ( Section if a debt collector is attempting to collect on your debt, they need to do so according to the original contract you signed. This contract refers to the one you signed with your original creditor. Even though this debt was most likely purchased from the original creditor ( or someone else who had purchased it from the original creditor ), the terms are passed down through the chain of ownership. Therefore, a debt collector can not add fees to your debt without permission from the courts. This means that you will need to have a judgment placed upon you before any fees are added. I have not received any court judgements or any paperwork from XXXX XXXX XXXX stating they were able to add interest. I kept requesting proof of debt on multiple occasions since XXXX of XXXX and a letter dated XX/XX/XXXX I received another letter with even more interest and then a move out bill that had the original amount owed by original creditor but no contract of any sort stating I was the responsible party who owed this amount nor had my or creditors information on it. I asked again multiple times why interest was being applied and even the creditors contact info.
Consumer complaint received 2016-06-21
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: TD BANK US HOLDING COMPANY (FL)

In XXXX 2015 I signed a modification agreement. 
The terms do not match what is being charged to me. There is a charge for {$2100.00} for legal applied after I had an executed contract. Also my payments are not being applied to principal properly.
Consumer complaint received 2015-04-03
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Alorica Inc. (TX)

A company called " West Asset Management '' entered my phone number into an autodialer simply based on the similarity of my last name ( a common name ) to that of the debtor they were trying to locate. 

The autodialer voice prompts include an option to indicate that the debtor can not be reached at this number, but that prompt has been XXXX or is not functioning. 

When called back, an agent refused to identify himself or the company her represented. When called back again, an agent did identify their company, but refused to acknowledge they were a debt collector.
Consumer complaint received 2016-03-22
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: TD BANK US HOLDING COMPANY (NC)

TD Bank cashed a settlement check in the amount of {$6300.00}. The creditor still sent the account to collections. I have sent the bureau 's a copy of the voided check and the letter that was sent and they are not making the correction on my daughter and fathers credit report.
Consumer complaint received 2024-05-09
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (NY)

Hello, I completed the XXXX month payment program with Amex to pay my balance in full. I made every payment on time, and successfully completed the program, paying in my balance in full plus the agreed upon interest rate of 7.99 %. I was told and promised by that account management team and customer service reps that after it's paid, the account will be re-opened/reactivated. However, AMEX is now refusing to re-open my account, saying that I need to apply again. I do not want to apply for yet another account and have a hard inquiry on my credit report. I have proven that I am able to re-pay, and I am deserving of having my card re-opened like promised and agreed upon.
Consumer complaint received 2022-09-01
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. (CA)

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious account. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX and I'm including it again. 
XXXX XXXXXXXX XXXX XXXX Balance Owed : {$19000.00}
Consumer complaint received 2022-02-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (VA)

I'm writing in hopes that Equifax can assist in reaching resolution in my multiple complaints. Ultimately, Equifax was never provided with consent from consumer, natural person, myself XXXX XXXX as outlined in 15 USC 1681b. Amongst several other violations, there is no legal authorization for Equifax to reflect this information. I understand that my information was included in the Equifax breach so at this time I have no confidence that any of the information on my report is being held to the standards at set forth by Federal law. 

Equifax please remove XXXX XXXX XXXX from my consumer report.
Consumer complaint received 2016-04-28
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (TX)

upon investigating the issue with XXXX XXXX, I discovered that the loan was brought by FED loan servicing around that time frame and was advised by the representative not to make a payment because they were buying the loan at that time. well now FED loans is giving me a hard time about getting this information which could clear this issue on my credit report. I need them to get me that information.
Consumer complaint received 2016-03-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (GA)

Hello my mortgage was transferred from XXXX XXXX to this company called SLS Specialized Loan Services llc XX/XX/2015. before my loan was transferred I had a monthly payment with XXXX XXXX for {$580.00} per month including taxes and insurance, never missing a month payment. XX/XX/2015 XXXX XXXX increased my payment to {$630.00} claiming the insurance had gone up. After my loan was transferred in XXXX 2015, my first three months were the same at {$630.00} then my XX/XX/XXXX statement came with a new monthly payment of $ XXXX/per month. I then called this new company SLS and was told there is an escrow shortage, this company SLS increased my monthly payment again it then went from XXXX to XXXX plus an additional amount of {$270.00} per month. This amount is not adding up unless iam paying double and triple for escrow. Iam asking for this to be resolved please.
Consumer complaint received 2024-05-09
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: WELLS FARGO & COMPANY (CA)

I purchased a {$2500.00} cashiers check at Wells Fargo XX/XX/XXXX. It was lost in the mail and they refuse to replace it until XX/XX/XXXX, lest I pay a fee I can not afford. 
I can not wait that long, as I am accruing late charges on all my bills. I spoke to three banks who immediately upon stop payment, replace the uncashed voided check. My insurance will be canceled if I can not recover my funds now.
Consumer complaint received 2023-03-16
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. (IL)

In accordance with the fair credit reporting act, XXXX XXXX acct. # XXXX, XXXX acct. # XXXX, XXXX XXXX acct. # XXXX, XXXX XXXX. 
acct # XXXX, XXXX acct # XXXXXXXX XXXX XXXX XXXX acct. # XXXX, XXXX acct. # XXXX, XXXX XXXX  XXXX acct. # XXXX. 

15 USC 1681 Section 602 A states I have the right to Privacy.

15 USC 1681 Section 604 A Section 2 it also states a consumer reporting agency can not furnish a account without my written instruction.
Consumer complaint received 2022-02-08
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

XX/XX/XXXX - Using a Capital One credit card, I bought an airline ticket for travel abroad through XXXX for {$310.00}. Purchased " priority customer support '' because the airline I was booking through has only XXXX language customer service and I needed English language customer service. 

XX/XX/XXXX - Called XXXX for customer service to help change the date of travel. After being hung up on twice, the representative told me that XXXX could not help and that I needed to speak with the airline directly. This was impossible because I do not speak XXXX and I never would have bought the ticket but for the promise of " priority customer support. '' I never used the ariline ticket and I told the XXXX representative that I would be unable to use the ticket. She did not care to help. 

XX/XX/XXXX- Capital One sent me a letter saying that my dispute was denied but inviting me to send additional information in support of my dispute. 

XX/XX/XXXX - I sent additional information to Capital One explaining how I was promised a service that was never provided to me and how I never would have bought the airline ticket through XXXX  but for that promise of " priority customer support. '' XX/XX/XXXX- Capital One notified me that it had not received the additional information needed and that it was therefore charging me for the service that I never received.
Consumer complaint received 2018-03-16
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CNG FINANCIAL CORPORATION (NV)

To Whom It May Concern, XX/XX/XXXX I took out a payday loan at XXXX XXXX XXXX XXXX. I took out a loan for XXXX I Miss a late payment. I paid the entire loan off In XX/XX/XXXX. I have receipt to prove my merits On this matter.
Consumer complaint received 2022-07-20
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. (RI)

I HAD AN UNAUTHORIZED ACCOUNT ON MY XXXX AND EQUAFAX CREDIT REPORTS AND HAVE DISPUTED THIS BEFORE DUE TO FRAUDULENT ACTIONS, IM NOT SURE WHAT THE CREDIT REPORT AGENCIES PROBLEM IS BUT I AM DISPUTING XXXX  XXXX XXXX  ACCOUNT NUMBER XXXX XXXX REMOVED THIS FRAUDULANT ACCOUNT BUT THEY DID NOT REMOVE THE COLLECTION AGENCY THAT THE CREDITOR USED AND FORWARDED TO, I AM REQUESTING SINCE XXXX XXXX ACCOUNT WAS UNAUTHORIZED OBVIOUSLY, THAT XXXX XXXX XXXX XXXX XXXX BE REMOVED AND BLOCKED FROM MY XXXX REPORT AND EQUAFAX REMOVE AND BLOCK XXXX XXXXXXXX ACCOUNT XXXX BECAUSE THESE ACCOUNT WERE UNAUTHORIZED AND SHOULD HAVE NEVER BEEN OPEN IVE REQUESTED THIS BEFORE WITH XXXX AND XXXX, THEY NEED TO STOP THERE STALL TACTICS BECAUSE NOTHING IS GOING TO CHANGE ABOUT IT..
Consumer complaint received 2022-02-08
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Upstart Holdings, Inc. (TX)

On XX/XX/2022 I was denied a 6,000 loan. I was denied based on my outstanding delinquencies on my consumer report and my ability to pay loan based on my other credit transactions. Those reasons are unlawful and discriminating. The law 15 U.S. Code 169 ( a ) states It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction. A credit transaction is the repayment of money loaned or loan commitment made, or payment for goods, services, or properties sold or leased, is to be made at a future date or dates. So Upstart adverse action is unlawful by all means.
Consumer complaint received 2022-02-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX / XXXX / {$7100.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX {$11000.00} XXXX XXXX / XXXX / {$0.00} XXXX XXXXXXXX / XXXX / {$0.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).