davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/XXXX I placed an online order ( # XXXX ) with XXXX XXXX XXXX XXXX in the amount of {$900.00} and charged it to my Chase Bank Sapphire card ending in XXXX. Within in minutes, after placing the order, I changed my mind and was given the option by XXXX XXXX online platform to cancel the order. I received a response that my confirmation for the cancellation would be emailed shortly. The case # XXXX was provided as a reference. Instead of actually canceling the order, XXXX shipped the merchandise via XXXX  tracking # XXXX. I followed up with XXXX  on XX/XX/XXXX via phone regarding the transactions and advised them of the reference number I received regarding the cancellation. I was told by a XXXX  representative that the order was not visible in their system but later on XX/XX/XXXX I received at shipping confirmation that they went ahead and shipped the order. I contacted XXXX  on XX/XX/XXXX and advised them that I refuse the delivery. XXXX  provided me with return # XXXX confirming the refusal. and they would indeed return the goods to XXXX. The goods never left the state of Illinois for Texas, where I live, from the XXXX facility. On XX/XX/XXXX I contacted Chase Bank, my credit card company, to file a dispute for the transaction via the mobile app and the charge was temporarily removed. After weeks, the charge reappeared on my account and I have been billed by XXXX XXXX XXXX XXXX for merchandise I cancelled and never received in the amount of {$900.00}. This charge is in error and must be removed as no goods were ever received. I've contacted XXXX XXXX and they stated that my Chase account was credited with a refund on XX/XX/XXXX. Chase says that they never received a charge back from XXXX XXXX XXXX XXXX. XXXX XXXX has provided me with a Payment ID # XXXX. Chase has been very uncooperative. They dropped the ball from the beginning of the dispute. XXXX XXXX sent them a copy of the XXXX  XXXX tracking and it shows that the bike that I ordered never left XXXX, Illinois where it was shipped from, because I contacted XXXX XXXX and instructed them to return the bike to XXXX XXXX. Chase still expects me to pay them for this charge, even though I have provided them with the proper documentation. Both companies have been very dismissive, however XXXX XXXX has provided me with documentation to substantiate their claims.
Consumer complaint received 2022-03-01
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. (FL)

In accordance with fair credit reporting act XXXX XXXX Account # XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this on my credit report?

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies.

( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-06-06
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Neon Newco Corporation (NY)

I have been receiving emails from ACE Flare Account by XXXX since XX/XX/2020 stating that I have an open account with them. I never opened a credit account or purchased a debit card with this company. I thought it might be a scam, so I researched online and XXXX has this company listed on top of the search results as " Official Site '', so I felt more comfortable calling their customer service number. Here is their website and phone XXXX XXXX XXXX XXXX. One of their emails to me mentioned a {$50.00} balance on my account.

Their rep asked for my address and the last 4 digits of my social which I provided. Then they asked when I purchased the card ( this seems to be a pre-paid debit card ). I said I never purchased this card and thought it might be fraudulent use of my personal information. They said that since I could not answer the question, I had " failed their verification process '' and they could not help me. This was a huge red flag. I asked what I could do now, for example, how do I report fraud.. they just kept repeating that they could not help me because I failed their verification because I could not tell them when I opened the account - completely ignoring the fact that I never opened the account and was calling to see if it was fraud. I had to hang up because he refused to provide any more info and refused to send me to a fraud dept. 

I checked online and saw many, many other people that had the same complaint - that accounts were opened in their name without their consent and that customer service could not help them close the accounts. One person mentioned that they were informed by ACE Flare customer service that this card was a " promotion '' which I found suspect. Others said it's a phishing scam. Another person mentioned that ACE Flare is owned by a company called Netspend. They provided an email for management, XXXX. I sent an email to Netspend to request they close the account, but I'm afraid that they are all complicit and it may not do any good.

I am concerned that this company has my previous address and the last 4 digits of my social security number which could be used to compromise my identity for fraudulent purposes. I would appreciate your help in getting to the bottom of this and letting me know if I have reason to be concerned and what I can do to protect my identity.
Consumer complaint received 2021-01-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

This is a Business Credit Card in which the business has been CLOSED DOWN due to the COVID 19 PANDEMIC. 

I have raised this issue with Capital One since the pandemic forced my company out of Business. 

Capital One has not assisted ( only reset payments for a few months ) which I preferred not to do. I preferred working out the situation. But Capital One continues to ignore that matter. 

The last letter I received not only did not answer my complaint but was jammed with " filler '' generic statements. 

The business is CLOSED. There is NO income. Does Capital One want to work it out or prefer to ruin my Credit due to a pandemic, then after 90-120 days of late payments offer a settlement? Is that the plan for a business customer with Capital One for more than 10 years? This is a predatory act on the part of Capital One that needs to be resolved ASAP. 

Why was I even sent such a ridiculous response from the associate named " XXXX ''? It was poorly researched and did not attend to the matter at hand.
Consumer complaint received 2021-01-28
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. (CA)

Just received results of my verification I requested from Experian. They state that the result of my dispute ( different from a verification request ) was an update to the status of the account : XXXX XXXX # XXXX. Their statement : The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. 
They indicate that Status was update on the accompanying documents. Upon review there is no difference from the before dispute and after dispute results which is different from the claim from Experian that the item was updated.
Consumer complaint received 2022-09-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Hi, I deposited a check I received from my credit card company XXXX XXXX. The check was a refund for the balance. I deposited this check into my Merrill XXXX account on XX/XX/2022. Once the funds became available I began using my funds. My account was locked subsequently. I have been patient with Merrill XXXX to unlock my account or close my account. They have decided to do neither. I spoke with rep XXXX XXXX who advised me to step into a branch with a letter proving I received those funds from XXXX XXXX. This was distasteful and disrespectful as I felt treated like a criminal. This is also after 30 days of lies claiming I would receive a call from the back office. I never received a call. Since Merrill XXXX treats their CLIENTS like CRIMINALS, I want to immediately end my relationship with them.
Consumer complaint received 2020-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

XX/XX/XXXX I had a balance of {$21.00} And I paid my bill in full on XX/XX/XXXX. I also called in the same day because my bill was due on XX/XX/XXXX and I was late. I typically do not carry a balance monthly with XXXX and I thought my bill was due on XX/XX/XXXX I spoke with a representative and she advised me I would not be charged a late fee and they would waive it as a courtesy and I would not be reported to the credit bureau as being late. What has happened is the rep never waived the late fee for me in XXXX and for the next seven months going forward since XX/XX/XXXX to XX/XX/XXXX I have been charged a late fee every single month! And I also received a letter that my credit limit has dropped from $ XXXX- {$3000.00} and now my credit limit is {$100.00} I have called every month XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX for this to be fixed and they all told me they couldnt help me and I told them that I am not paying seven months of late fees as I do not carry a balance on my credit card I paid that. Finally on XX/XX/XXXX I spoke with a supervisor XXXX and he made me pay {$22.00} and he waive the late fees and brought my balance to XX/XX/XXXX he also told me he would fix with all three credit bureaus and I also sent in a letter which they asked me to for them to fix my credit reports not report me as being late on all three of my credit reports it shows my account being negative. As of today XX/XX/XXXX my account still shows negative on my credit reports and my credit limit is only {$100.00} and nobody has fix this yet
Consumer complaint received 2021-10-13
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: AMERICAN EXPRESS COMPANY (NV)

On XX/XX/21 company 's mishandling of my data created locked account & failure to connect me to ANY telephone agent for account closure in fraudulent attempt to generate future inactivity fees to card ending in XXXX.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I am writing to file a complaint against Kohl 's regarding their failure to comply with my opt-out request to stop reporting account information to non-affiliate third-party credit reporting agencies, namely XXXX, XXXX, and XXXX. 

On XX/XX/2024, I sent a written opt-out request to Kohl 's XXXX requesting that they cease reporting my account information to non-affiliate third-party credit reporting agencies. This opt-out request was sent in accordance with the Fair Credit Reporting Act ( FCRA ) and the regulations outlined by the Consumer Financial Protection Bureau XXXX CFPB ). 

Per FCRA regulations, Kohl 's was provided with a XXXXday window to respond to my opt-out request. However, to date, I have not received any response from Kohl 's, nor have they taken any action to stop reporting my account information to the aforementioned credit reporting agencies. 

This failure to comply with my opt-out request has resulted in continued reporting of my account information to credit reporting agencies without my consent, which is in violation of my rights under the FCRA. 

I request investigation into this matter and take appropriate action against Kohl 's for their failure to comply with my opt-out request and for violating the provisions of the FCRA.
Consumer complaint received 2021-05-02
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: ALLY FINANCIAL INC. (MI)

Ally had put a loan on my credit report and I never had a car loan in my life. Thay said I owe {$12000.00} on a vehicle loan I never seen never signed and wont give me any kind of proof. Im at my end with this because of this I may have to file bankruptcy I owe them nothing and have no way to fix
Consumer complaint received 2020-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (OK)

I was declined the opportunity to open a bank account as Chex Systems is reporting charge offs by several banks that is the result of Identity Theft. 

1. XXXX XX/XX/XXXX 2.XX/XX/XXXX XX/XX/XXXX 3XXXX 4.XX/XX/XXXXXXXX XX/XX/XXXX 5 XXXX XXXX XXXX XXXX XXXX 6 XXXXXX/XX/XXXX
Consumer complaint received 2022-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PLANET HOME LENDING, LLC (WI)

Planet Home Lending LLC Mortgage Co, Received a Large Payment ( XXXX ) from XXXX XXXXXXXX XXXX on XXXX XXXX, My Mortgage Balance was {$51000.00} and now balance says {$36000.00}, this has to be a mistake on their part, my balance should read now between $ XXXX {$31000.00} owed. Also my name as XXXX XXXX XXXX is the Owner should read on my Loan, not my Ex-sponse whom I divorced since XXXX XXXX, He ( XXXX XXXX ), he also filed Bankruptcy as of XXXX XXXX, Balance XXXX on his behalf.
Consumer complaint received 2022-09-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Management Partners, LLC (IN)

Today at XXXX, I received a phone call from an automated system with the number ( XXXX ) XXXX. It eventually connected me with a person who demanded I pay {$750.00} owed to XXXX XXXX XXXX. I know nothing of this debt. I have not received any bills and there are no claims via my XXXX XXXX website for this amount. I informed the man that I see nothing on my insurance portal and he told me it is my fault for not providing my insurance information and the debt has been owed for over a year. I informed him, if a debt is owed then bill my insurance and re-issue a bill because I have never received one for this company. He told me that he will not bill insurance since I received services over a year ago. I told him that I wont pay anything unless I know what it is and he then became more threatening saying that he will have to report this higher up that Im refusing to pay. I said fine and hung up. I think searched online for XXXX XXXX XXXX and found XXXX in XXXX XXXX close to my location. I attempted to call the number to get more details about the debt but the number is not in service. I believe this person was attempting to get me to pay money that I do not owe. Details for XXXX XXXX XXXX here> Address : XXXX XXXX XXXX # XXXX, XXXX, IN XXXX Phone : ( XXXX ) XXXX
Consumer complaint received 2021-06-24
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: EQUIFAX, INC. (CA)

On XXXX I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2020-10-23
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: EQUIFAX, INC. (TN)

THESE ACCOUNTS WAS LISTED ON MY CREDIT REPORT I NEVER OPENED THESE ACCOUNTS MY INFORMATION WAS USED IN A DATA BREACH CAUSE THESE COMPANYS DO NOT RING A BELL PLEASE HAVE THESE REMOVE FROM MY FILE.
Consumer complaint received 2024-03-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (TX)

The company ( Aidvantage ) has a well-documented history of being unable to process automated payments through their website. I've several payments returned to me & the company promised to open an investigation around my issue. 
However, when I went back in to make my payments they were returned ( again ) and in speaking with multiple representatives, they are very useless & do not care/help get the IT issue resolved on their end. 

It's been months of back and forth with the company and as I mentioned earlier, this is a well-documented issue for borrowers being unable to repay their student loans. Additionally, their website ensures that this is the fastest/ most-reliable method for doing so.
Consumer complaint received 2021-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: First Investors Servicing Corporation, Atlanta, GA Branch (CA)

multiple calls, emails, faxes along with many calls to various reps to no avail. First Investors has failed to acknowledge that their employees failed to effectively communicate an accurate record of what status of my account was. Due to erroneous information/lack of information provided to me, First Investors reported a 30day late that is adversely affecting my credit score. Ive communicated with their Credit Dispute department who sent me a letter telling me the information is being reported accurately. No explanation how they couldve possibly arrived at this conclusion. I was never sent a bill for said amount. I made every attempt by calling them to clarify status. First Investors failed to give me the information needed, this failure to fully inform me has caused a hardship for me financially. 

XX/XX/XXXX I spoke to FIFG Rep. I informed her I was calling to make my final payment she stated the amount due to be XXXX. I then asked if this was the payoff amount incl. Rep responded " I dont know ''. She reiterated my payment amount was XXXX i was informed that if there was an outstanding amount I would receive something in mail. 
XX/XX/XXXX I followed up with FIFG to check on status of title and if there was a payoff amount and if so what was said amount? I was informed XXXX was " my next payment due '' this confused me beccause i knew my final payment was in XXXX. I asked for clarification she continued to tell me " my next payment due date is XX/XX/XXXX. i asked why? a next payment due? she wasnot able to give me a correct answer. I told her this didnt make sense, and made it clear that i did not want to incur a late. She assured me that as long as payment was made before " my due date of XX/XX/XXXX. At this point I hungup. 
XX/XX/XXXX As of this date i had not received any correspondence or phone call from FIFG. i received a missed call this day and i immediately returned call, I was informed that my car payment was overdue, after informing her to clarify the terminology because i was again confused because i had made my last payment on XX/XX/XXXX and wanted her to clarify that this payment was a " payoff '' not a regular payment. after some research on the reps part she confirmed this was my payoff amount. I then proceeded to pay this amount on XX/XX/XXXX via phone payment. I implore that you assist me. First Investors failed to give me the correct information to enable me to make said payment hey are now reporting 30 day late. I was in contact with them throughout this entire process. Had there REP given me my payoff information on XX/XX/XXXX i wouldve paid said amount then. 

i have made various calls since then. last call was XX/XX/XXXX spoke with XXXX from their credit dept.
Consumer complaint received 2021-01-28
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: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

XXXX XXXX XXXX XXXX has fraud charges on a credit card acct that has now been transferred to Portfolio Recovery assoc. XXXX XXXX XXXX XXXX was notified by me 3 men from Florida used my XXXX XXXX XXXX. XXXX Employee XXXX in the theft Fraud took my report XXXX/XXXX/2018. The 3 men in Florida I also placed a Criminal Charge with the FBI. They are on probation with.the US Dept of Justice, XXXX XXXXXXXX Of Wisconsin, since XX/XX/2018. I am not responsible for the Fraud. I have talked to the U.S. Dept of justice Victim System. XXXX XXXX XXXX XXXX refuse to accept this ; Portfolio Recovery # XXXX refuse to recognize these Fraud Charges against me. Portfolio continues to Place Collections on my Credit Report. Please assist.