davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Early Warning Services, LLC (VA)

Dates requested removal of negative items from my EWS report are XX/XX/2021, XX/XX/2021, XX/XX/2021. 

This company hasn't removed any of the negative items. 

Items described as Account Abuse, and Overdrawn
Consumer complaint received 2020-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

The credit bureaus show late payments on my credit report from several creditors between the dates of XX/XX/XXXX and XX/XX/XXXX. I was serving on XXXX XXXX at that time, yet no matter who I contact ( at the credit reporting agency or the creditor ) none of these organizations have respected my rights under the SCRA.
Consumer complaint received 2018-02-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (SC)

XXXX XXXX opened XX/XX/2016 and was charged a total is $XXXX for car insurance I didn’t applied for, but I did asked for a quote. I didn’t sign any paperwork to authorize them to charge me. I’ve called them and tried to get them to remove it, and they stated it was in collections and out of their hands.
Consumer complaint received 2024-02-12
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (NJ)

Chase XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX LA XXXX Dear sir, I have received a letter from your Chase office regarding account number XXXX. These account numbers can not indicate anything to show clearly, which card do you want to refer, since I had the replacement credit cards for 5 times with Chase. Since I do not owe any mortgage with Chase and other credit companies, since I do not owe any properties, I can not understand why I receive the paper enclosed. If you want me to fill in this paper, would you explain what kind of property I owe in my name, XXXX XXXX ; otherwise, I do not want to provide my personal information such as my social security number and account numbers, which I have with Chase. I believe, from the beginning, your office should have known the account numbers if you try to inquire, instead of XXXX. At least, you should write the ending numbers of card to refer to the headquarters of your company, Chase. I will return this paper, which you have sent, for further information from you. 

Sincerely,
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (SC)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX  days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section XXXX ( a ), if these items are not investigated within XXXX  days, they should be promptly removed from my credit report. Since it has been over XXXX  days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2022-04-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

I was never informed to begin with, and my father was the one who got the initial alert that my account was overdrawn. On XX/XX/2021, there were XXXX separate {$1000.00} withdrawals from my account via XXXX XXXX. The next day, XX/XX/2021, there was a {$2000.00} withdrawal and a {$500.00} withdrawal from my account via XXXX XXXX  All of these charges were sent to the same number, ( XXXX ) XXXX. I do not know anyone from that area and did not approve any of those transactions. I have evidence saying that both you, Chase Banking, and XXXX XXXX flagged the activity from this number as possibly fraudulent. As to why my account was not frozen after seeing this kind of activity is beyond my knowledge and makes me lose trust in such a large banking company. 
The way XXXX XXXX works is that the money when being transferred from an account does not ever touch an XXXX XXXX account. XXXX XXXX is just a third party that transfers money from account to account. Therefore, XXXX XXXX can not help me seeing as that the money never touched one of their accounts. XXXX denied one of the transactions and Chase proceeded to charge my account.
Consumer complaint received 2020-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: I.C. System, Inc. (NY)

I went through a dispute process with XX/XX/XXXX credit beauru because I filed bankruptcy chapter XXXX back on XX/XX/2014. I consulted with a n attorney that advised i can dispute and have it taken off my credit since it have been 7 years and it is discharged. XX/XX/XXXX denied/refused my request and I am still unclear the reason why. I know people personally did same process and it was removed from their credit reporting. This needs to be looked at again. Thank you. I am not allow to dispute again and ask for more information which is not fair to me or any consumer out there.
Consumer complaint received 2022-10-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (CA)

I am filing this greivance as I've exhausted all forms of communcation with XXXX regarding a sum billed for equipment that was turned in. I used to have cable and internet with XXXX XXXX XXXX XXXX XXXX I eventually stopped using the service and returned all requested equipment to a return store they have at XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX. The company states they never received it and I have a collection of {$320.00} for none return of the equipment. I can't say why it was not updated accordingly on their side as I am not employed by XXXX to understand or have knowledge of how they process their updates. I do know that the equipment was in fact turned in and any sums owed were paid.
Consumer complaint received 2021-07-18
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BMW Financial Services NA, LLC (AZ)

This account is being illegally reported on my credit report. I formally disputed it directly with BMW in regards to their illegal reporting, and have not received any satisfactory reply. 
After the car was sold, the lender was required to send out a second notice, stating the amount that they credited from the resale, as well as a cancellation notice of the original sales contract. I was never mailed that second notice. 

I contacted BMW in writing on XX/XX/XXXX advising that I have not received notification regarding the sale that was to take place near XX/XX/XXXX. I returned the car to the lender on XX/XX/XXXX. I received the notification of sell date XX/XX/XXXX and nothing afterwards until I reached out and sent my communication on XX/XX/XXXX. 

I contacted BMW prior to returning and advised that I would purchase the truck. They advised XXXX for the purchase.
Consumer complaint received 2021-05-28
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Jersey Mortgage Company of New Jersey, Inc. (NJ)

on XXXX, XXXX, I had been approved for a mortgage from Jersey Mortgage company located at XXXX XXXX XXXX XXXX XXXX, NJ XXXX. Therefore, the closing was scheduled to be held on the XXXX of XXXX. As the seller and I were waiting, 3 days before the closing date, the loan officer has delayed it to the XXXX of XXXX. Thereafter, on the XX/XX/XXXX. He failed to do it and put it on the XX/XX/XXXX then on the XX/XX/XXXX. So the seller didn't agree to give any extension and terminated the contract. I did ask the loan officer the main cause of the contract termination. He told me at first, to pick a ready to move in house next time because this one has to much repairs. When I reported the issue to the CEO of the Mortgage Company , The loan officer got upset, yelling at me, screaming over the phone saying I wasn't supposed to report him. He said again that my lawyer was asking him to terminate the contract. He gave me 3 different reasons that made me confused. In fact, I spent {$2600.00} in home appraisal, cert of occupancy and inspection. 
I did ask him to reimburse me those amount since I wasn't the one who backed off the deal. He said no, and my lawyer didn't take any action even I asked him to do so. 
I hope you understand my complaint and will do the best you can to get an answer to this home contract cancellation matter. thank! I can be reach out at : XXXX XXXX
Consumer complaint received 2021-05-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX ''
Consumer complaint received 2018-03-01
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: WELLS FARGO & COMPANY (CA)

I purchased a mattress from XXXX directly on XX/XX/XXXX using the credit/installment loan payment option. During the online purchase I reviewed several different mattresses and decided on one that was on sale. The website clearly indicated that all mattresses had a 90- day free trial. Since this was the first time I was purchasing a mattress from this company, that trial period was integral to my decision to purchase a mattress from them. I tried out the mattress and on XX/XX/XXXX called the company to find out if I could exchange it. It was OK but not very comfortable. The agent told me that the specific model I purchased was a " closeout '' product and that all closeout products were not eligible for the 90 day free trial. I checked my email confirmation and there as no indication that I had purchased a " closeout '' item. But there was a very small disclaimer at the bottom of the email that closeout items were not eligible for the 90 day trial. I also checked the terms of the 90-day free trial online and there was NO indication of a limitation for closeout items. It ' s available here : XXXX : XXXX The company refused to honor the 90-day trial and I am now stuck with a mattress that I don't like that I will need to continue to pay off in installments to Wells Fargo . I am  very concerned that the company deceived me during the purchase of this item and did not clearly disclose that the item that I purchased was not eligible for the free trial. In addition, both the website and the email include multiple references to the free trial, and there is no caveat or exception called out. This is clearly a marketing technique used by this company and it was the differentiating factor that convinced me to purchase from this company. I feel deceived and cheated.
Consumer complaint received 2018-06-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc. (GA)

Dear Medical Data System INC After viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in XX/XX//2017 I am  requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. 

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization. 

Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 

Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 

Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof.
Consumer complaint received 2022-10-12
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: Aargon Agency, Inc. (NH)

In XXXX of 2022 I submitted a validation request to XXXX XXXX. I Never received a response. I then sent XXXX a letter to either validate the alleged debt or remove to it. XXXX did nothing. This is an FDCPA Violation, FCR Violation and HIPAA violation. Ive included the correspondence as well as the credit report.
Consumer complaint received 2023-02-01
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. (FL)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be corrected and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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Consumer complaint received 2021-05-28
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Foris DAX, Inc. ()

An e-transfer deposit was made of {$1000.00} XXXX on XX/XX/2021 from a business bank account. Deposit was then rejected, understandably, as a result of name of my bank account not matching name of my crypto.com account. Email was received XX/XX/XXXX, notifying me that that they require additional information so they could refund the money. Information was provided XX/XX/XXXX. XX/XX/XXXX, I followed up as still had not received the money back, nor any update. That day, I received an e-transfer email from Fortis, name of the crypto.com bank account I assume, for {$1000.00} to my business accounts email. Upon trying to deposit it by answering security question that was provided, my answer was incorrect to many times and now it is no longer available for deposit. No answer for the question was sent to me, I was left to guess the answer. I reached out immediately to XXXX at crypto.com immediately to just cancel and resend e-transfer, and this time provide answer to security question. XX/XX/XXXX a response came from XXXX at crypto.com asking for additional information, 'a selfie with today 's date, your name and " Crypto.com '' written down on a piece of paper in order to authenticate you as the account holder before provide any account information, which I did very same day, XX/XX/XXXX. Few more emails were sent over next few days following up with this, with the same response, 'it should be checked with the 'relevant team ', the last one now coming as of XX/XX/XXXX, from XXXX at crypto.com. Almost 3 weeks to resolve this matter, and no idea on when will receive my money back. This is considering stealing in any country. This complaint is in reference to Ticket # XXXX.
Consumer complaint received 2022-10-12
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: PLANET HOME LENDING, LLC (FL)

We did a covid relief package during the months of covid with Planet Home Lending. They sent us papers but never contacted us at the end of the term. We were then sent invoices saying we were in foreclosure because we owed {$23000.00} in back payments during that period. Never given a chance to do a repayment and it was added to the end of the loan..just immediately got served foreclosure court papers. I assumed a VA loan had more leway. Now we called and did all the paperwork and forms to do a loan modification but the amount was ridiculously high for our 3 monthly payments and we weren't even asked what we could afford or given any options to add the covid amounts to the end of our loan and continue to pay the mortgage. We want to stay in our hoke and restart paying our original loan amount. Planet Home Lending isn't a honest company and has many complaints on the XXXX  site.
Consumer complaint received 2021-07-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

After paying off my balance XX/XX/2021, Capital One charged me interest on a {$0.00} balance on XX/XX/2021, with no notification between XXXX and XXXX that there was a balance on my account. I had also not checked back to that account because It had been paid in full and not used again after. Due to this it caused the credit bureaus to flag delinquency in payment which dropped my over XXXX credit score to close to XXXX. I disputed this with all 3 credit bureaus in which 1 gave me back almost 50 points ( XXXX  ), one gave me back 30 points ( XXXX ), but only a slight bump for the 3rd ( XXXX  ). The same day that the disputes were being resolved, Capital One also decided to drop my credit limit in half ( {$10000.00} to {$5000.00} XXXX due to delinquency reported by the credit bureaus. This is very questionable timing given the delinquency was originally reported by Capital One therefore showing they already had knowledge of the balance, but also provided NO PRIOR NOTIFICATION of the charge or continued open balance for me to review before it drastically effected my credit.. 

Prior to this, I held a 100 % payment rate with Capital One and all other institutions in which I held debt, with this account being my oldest line of credit as a member for almost 9 years. In that 100 % payment rate I have paid off MUCH higher balances ( that I actually charged ), so to be punished this highly for an interest charge that I was not even notified about is highly disappointing. I tried to contact Capital one to have this fixed in which they told me there was nothing they could do, and basically it is what it is but it will be gone in 4 years. 

This is a form of fraud on the side of the institute ( rather than an individual ) and it should be known by all consumers that the company conducts business using unethical practices knowing the leverage it holds over consumers. I do not deserve to have my exceptional credit rating drop to fair/good when I wasnt notified of being charged and all indicators showing that had I known it was there, it would have been paid.
Consumer complaint received 2021-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY (NJ)

Last purchase on my Amex was XX/XX/2021 in amount {$3600.00}. At which time I was well within my credit limit of {$11000.00} with a 96.17 % usage. On XX/XX/2021 Amex lowered my credit limit to {$8700.00} thus putting me at 126.72 % usage. On XX/XX/2021. This has unfairly impacted my credit history report by Amex reporting that I am over my credit limit. 
Once again at the time of purchase I was within my right. Amex did not take this into consideration. I have spoke with Amex on several occasions with the last being XX/XX/2021. I was past around to 4 customer service reps and about to be past to a XXXX. I was given unfair options that could not be guaranteed of the outcome or future reporting. I would bier worst impact to my credit report if Amex declined based of information about my income during the Covid pandemic. I asked for 2 options. ( 1 ) restore my line of credit and freeze the account to insure no future charges will occur as the balance is being paid on time in a timely manner. ( 2 ) give me a deferred interest rate so more of may payment can go to the principle instead of interest. Both my request was denied. This has unfairly and unjustly affected me financially because of losing points on my credit score. I have been with Amex for 25 years and I am sure this is happening to many of their customers. 
I am asking to resolve this issue fairly as I have asked somewhere within the perimeters of their company without anything from my part other than my agreement. Once again I kept my end of everything from day one so I should not have to go above and beyond.
Consumer complaint received 2022-10-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (TX)

I received an alert from all three credit bureau stating that i had a debt with XXXX XXXX  XXXX apartment complex, i have no acknowledgement of this debt, I have never applied or been with this company. Transworld system Inc is collecting for this company. I spoke with them concerning this matter and when they went to verify me the birthday was not the same and also the address they had on file is not mine, that is not my birthday but they used my SS. the full debt is XXXX 
They moved in XX/XX/2021 and moved out XXXX