davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (MS)

Trip Cancellation coverage : Due to a severe medical issue, I was advised by 2 physicians not to travel so I had to cancel an out of country cruise. Because it was at the last minute, the Cruise line fee was 100 % non-refundable. 

My Chase XXXX credit card was used to book the trip as it covers trip cancellation coverage as a benefit so a claim was filed for only the non-reimbursable cost of the trip. All required and requested documentation for the claim was submitted in a timely manner. The last request for information from the claims examiner was XX/XX/2022. 

Since the claim is for an amount greater than {$10000.00} it appears that there is a delay. Chase statements were submitted as documentation. I have been told in XXXX that Chase Benefits services required a full trip itinerary .That information was included in the documentation submitted in XXXX. The claims examiner also said they were waiting on Chase to verify the charges submitted as statement copies but would NOT advise who or when the request was made to. 

I believe this is a delaying tactic to not pay the claim in a timely manner. I have called repeatedly to resolve the issue only to stay on hold for several hours without a call pickup. I have sent emails that were not responded to.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Months ago, I sent a letter to the three credit bureaus asking them to delete this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. PLEASE DELETE THE FOLLOWING ITEMS ASAP : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Duvera Billing Services, LLC (KS)

A company openned a collection account on my XXXX Credit bureau. I do not know this account. However, I do have one idea who it is. XXXX XXXX XXXX  was warned, they called me at XXXX. I filed a complaint with the company. The violated they violated the FDCPA by calling me at XXXX. I have it documented. This account was disputed and I believe they are violating interest rate usury rates.
Consumer complaint received 2021-11-04
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Common Wealth Mortgage Services (UT)

My husband and I have been trying to get a 30-day late payment removed from our credit report because it is inaccurate. When we have called, we have been told multiple times from XXXX XXXX ( our current mortgage lender ) that their systems do not show ANY 30 day late payments on our account and confirmed that the payment in question was received well before the end of the month, yet they will not cooperate in getting it removed. I have been emailing with XXXX XXXX with XXXX, the person we were told to speak with regarding the misreporting, yet zero help has been given. Multiple times XXXX has told us she would get her XXXX to send us something, we have never heard back and are left reaching out time and time again with no results. 
As our current lender, they are doing this knowing that we are not able to get into a better, lower payment loan with this reporting on our credit. They are effectively trapping us in this loan. XXXX refuses to give us anything but her verbal confirmation that they do not show ANY 30 day late payments, and tells us to dispute. The issue is that they know that we are not able to do this refinance if there is dispute language on our credit around our current mortgage. We are completely trapped and are getting zero help. Please see the most recent email thread with XXXX attached below.
Consumer complaint received 2022-01-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (IL)

I submitted a payment to venmo from my bank account on XX/XX/22. It was deducted from my bank account on XX/XX/22. Venmo said the funds will be available on XX/XX/22 and I relied on this information. I reached out to venmo multiple times and both times I received a, check back later, wish I could be more help, response.
Consumer complaint received 2015-06-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CL Holdings LLC (FL)

I am a victim of identity fraud since 2011. 
XXXX XXXX XXXX XXXX XXXX is representing XXXX XXXX XXXX XXXX & XXXX XXXX XXXX who claims I owe them for purchases made in the amount of {$660.00}. I have already sent them a letter in writing with police report & other documents as proof that I had my identity stolen and that someone duplicated my social to file taxes in this same year. Since then yearly I get my credit report and the government sends me special instructions in order to verify myself when filing taxes. I have never ordered any items nor have I received merchandise at my permanent address ( 10 years ) XXXX XXXX XXXX XXXX XXXX Fl XXXX. I checked the only personal bank I use to confirm that I have not been charged nor was my account used to make purchases to XXXX XXXX.
Consumer complaint received 2022-07-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FIRST HERITAGE CREDIT LLC (TN)

Received a THIS IS A LOAN check in the mail from 1st Heritage approximate amount {$1500.00}, deposited to account and made 5 {$110.00} payments and got behind 2 payments. Branch manager came to my HOUSE and left handwritten threatening notes in my mailbox spring of XXXX during XXXX! When I called to ask why he was putting things in my mailbox he replied I walked up and knocked on your door too. Spoke with district manager who profusely apologized said no one should be knocking on your door or coming to your home to demand payment told me that I could keep making payments and account was in good standing. Made 3 more payments that never credited to account and 2 years later ( XX/XX/XXXX I receive a notice that my paycheck would be garnished for {$2000.00} XXXX from an attorney so called 1st heritage and got the same branch manager and I requested a copy of my payoff because I thought I had paid the loan off in full he told me to prove it and hung up on me.
Consumer complaint received 2022-07-19
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. (FL)

Account name XXXX XXXX XXXX XXXX  Collection Account : XXXX 15 USC 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 account without my instructions
Consumer complaint received 2022-01-19
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mortgage Research Center, LLC (GA)

My mortgage company made me quit my job and forced me to provide paperwork for a transfer to a new location. I was going to continue working in my current position until I could get a new position at the new location. I would have been staying in my old location moving stuff out of it and prepping for sale all while working. They told me they couldn't underwrite my loan in that situation. I told them a transfer wouldn't work the way they want it to work. They forced me to resign my current position by a certain date so I could move into the new place physically within 60 days if closing so I provided them with documents to show that intent. But now I am in my new location with two mortgages because I don't have the money to fix the old place for sale so I can't afford both places without the job I was supposed to transfer to. I work for the XXXX XXXX and was transferring to another XXXX position.
Consumer complaint received 2020-05-26
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: AES/PHEAA (TX)

XXXX accounts are showing paid, closed. This is inaccurate. I believe this is double reporting as I have an active consolidated account with a balance totaling {$21000.00} the same amount the XXXX accounts inaccurately is being reported.
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (GA)

As a federally consumer protected under the Fair Credit Reporting Act ( FCRA ), I am formally exercising my right to opt out of any and all authorizations, whether expressed in writing, verbally, or otherwise, as provided for by 15 USC 6802 under 16 CFR Part 313..
Consumer complaint received 2022-01-19
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Ovation Financial Services, LLC (TX)

Ovation Services billing statement clearly states that additional payments that are received for the principal only will be applied to the principal in its entirety unless their is a balance of fees and late charges. When I sent in an additional payment to be applied to the principal only, I had no late charges or fees, so therefore all of that additional payment should have been applied to the principal of the loan. Ovation Services applied part of the additional payment to the interest only and applied the balance of the additional payment toward the principal. On ; XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, are some of the dates that I mailed off a check to Ovations Services. These checks were additional payments that I had requested the amount to be applied fully to the principal on my loan.
Consumer complaint received 2021-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ProCollect, Inc. (NC)

I have paid my balance in full to pro collect. Every time I contact them they say they arent reporting the information that equitable is. But XXXX says I need to call them! The amount is paid in full and the account is closed. Please help!
Consumer complaint received 2021-01-25
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Avant Credit Corporation (TX)

I am a XXXX XXXX veteran and have been called to XXXX XXXX with the XXXX XXXX XXXX for a period of at least six months. Because this period of XXXX XXXX will exceed 30 days, I contacted all financial institutions I have credit accounts with to request my protections under the XXXX XXXX XXXX XXXX. I had no problem receiving these protections from any financial institution I do business with, including XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, etc. Avant gave me constant pushback about my documentation. I provided exactly what the XXXX provided me, letting me know I report for XXXX XXXX to XXXX XXXX on XX/XX/2021 through at least XX/XX/2021 and then to XXXX XXXX after that. I provided my XXXX ID. XXXX constantly wouldn't answer my requests for days and then would send canned responses saying my documentation straight from the XXXX is not good enough, even though it clearly states exactly when I am to report and for what reasons. I have never been treated like this by another financial institution.
Consumer complaint received 2022-03-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIZENS FINANCIAL GROUP, INC. (DE)

My account number is XXXX the banks stated that my balance was XXXX. So, XX/XX/XXXX I paid {$5500.00} and made a request for the bank to send me, my payment history. I called twice request a copy of my payment history, as of XXXX, since have not received it. I paid XXXX XX/XX/XXXX and my balance was {$610.00}. I didn't receive any decrease in the interest. So, I sent {$610.00} because I wanted my credit report to show the accounts paid off. As Of XX/XX/XXXX, the check for XXXX hasn't been cash and payment history has not been received.
Consumer complaint received 2022-01-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: Synovus Bank (TX)

As part of this work, the Civil Rights Division is tasked with enforcing the Servicemembers Civil Relief Act ( SCRA ), 50 U.S.C. 3901-4043. ... The XXXX is a federal law that provides protections for military members as they enter XXXX XXXX. 

The funds applied to the card are though my personal trust fund. The company had not sent out any mail regarding late payments to the address on file and felt obligated to report to the credit bureaus negativity effecting my credit score and security clearance as a federal employee.
Consumer complaint received 2024-02-21
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (PA)

I didn't have enough funds to cover the {$800.00} payment to PayPal credit card. 
I made another payment of {$820.00}, {$150.00} and {$410.00}. Because I miscalculated on the {$800.00} payment they are now holding all my funds until XX/XX/XXXX. 
The {$820.00}, {$150.00} and {$410.00} were taken out of my XXXX checking and given to PayPal credit card. 
Yet, they refuse to let me have access to my money. This is called theft. 
If a criminal on the street robbed me of these funds I could call the police and file a complaint. 
This is why I'm filing this complaint, in the hope, that CFPB can resolve this issue and I can have access to the {$1300.00} that I deposited into PayPal credit card. 
The additional problem is this. I have a credit limit of {$900.00}, so PayPal won't be able to put {$1300.00} onto my card, unless the give me an increase. 
What a mess they've created for me.
Consumer complaint received 2022-01-19
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BROKER SOLUTIONS, INC. (IL)

I went to New American lending company and tried to refinance my home. The underwriter would not approve the loan due to employment status. ( XXXX ). 
I provided documentation that I am a full time employee. I paid {$500.00} for an appraisal that is now deemed worthless. I feel I was misled through the whole process, and not one of our employees has had an issue getting a refinance or a new loan for a home.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 2023-03-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-11-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

Hello, I am submitting a complaint against an unfair practice that CapitalOne Credit card is using to close customer 's accounts without any warning due to a returned payment or two. After being a customer of CapitalOne for over 3 years and opening a Secured Credit card, and never having a late payment and generally keeping under my limit for the entire time the account was open, my account was abruptly closed without warning due to 2 returned payments that were made well before the due date and I still had time to rectify and have my bank send a payment before the actual due date. They did not contact me via email or phone to ask the reason the payments may have been returned, and allow me time to fix the issue. All they did was send an email that the account was closed on the same day that a payment was successfully received from my bank. I believe that if a consumer has an account in good standing, with no late payments should be contacted bu a phone call, email or letter warning that if this is to happen again the account could be closed and offer the customer a chance to call XXXX  and explain and fix the issue before closing out an account that is in good standing.
Consumer complaint received 2018-12-04
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (GA)

Over the last 3 months I have attempted to secure a personal loan primarily applying online. I have been denied due to excess delinquencies. I believed the responses were an over exaggeration of my credit, as I only have one outstanding debt. On Monday, XX/XX/2018, I once again attempted to secure a personal loan with XXXX   XXXX XXXX XXXX, via telephone and during the the application process I was asked to explain why a number of my accounts were in collections. I currently have one outstanding collection account that I have been attempting to settle. No other active account is currently nor have they been in the past in collections. Technically, I have one account that can be considered delinquent. I checked on my Experian account, that is who XXXX XXXX used, so as to dispute any accounts showing errors and there is only one account showing up in collections. The error can not be with the creditor 's. If the creditors were reporting misinformation the credit bureau would be showing that information and it is not. Therefore, the information being transmitted to potential creditors is where the problem lies.
Consumer complaint received 2022-01-19
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. (PA)

I submitted serval disputes dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX requested that an account be properly investigated and properly verified and the method of verification. I have received responses that the account was accurate and updated. I seen no changes made i received no responses of the method of verification. This account in question HAS NOT BEEN PROPERLY VERIFIED OR INVESTIGATED according to the FCRA 611 ( 15 U.S.C. 1681I ) my consumer right have been violated as well as the Health Insurance Portability and Accountability Act of 1996 Section 1173. By improperly verifying this account you are compliant in violating my rights, and will be held accountable if legal action does persist.
Consumer complaint received 2021-11-04
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: PNC Bank N.A. (CA)

PNC Bank took over all of my BBVA accounts as part of their merger/purchase. My checking account and credit card account are visible on the PNC website and funds are available. However, I also had a Savings Account with BBVA, account number XXXX XXXX XXXX, with a balance of {$3200.00} which as " disappeared ''. It is not listed on the PNC website. I contacted PNC and after much difficulty, was able to speak with an agent who informed me that the Savings Account was used as security for my BBVA credit card, and that PNC does not use Savings Accounts for credit card security. She explained that the money from that account is now simply a " deposit '' for the credit card. I have no receipt for that money and PNC is not willing to provide me a receipt for the money. I have a credit card with a limit of {$2800.00} and a Savings Account that had a balance of {$3200.00} - a {$380.00} difference. All I want is a receipt for the funds that were in my Savings Account and a final savings account statement showing what happened to the money that was in it. Right now, I am missing {$3200.00} with no savings account and no receipt showing where that money is. If PNC can not provide a receipt, I want the credit card cancelled ( there is no balance owed on the credit card ) and a check mailed to me ASAP for the {$3200.00} that was in the savings account that PNC closed. 
Thank You