davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-27
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: DISCOVER BANK (NY)

Hello, hope youre doing well. I want to file a complaint against my discover credit card. I have been trying to get help with a dispute for a few months now and even tho i have uploaded proof that I returned the merchandise I bought, they still are saying that they arent siding with me. 

On XX/XX/2021 I bought 18 packs of a certain XXXX trading card set. The total came out to {$1100.00}. However when I received the cards they werent the same ones that were pictured on the original listing. I contacted XXXX and at the time they werent excepting returns on the XXXX cards, so I contacted discover and opened a dispute. Discover gave me a temporary credit until the matter was resolved. A few weeks later after I filed the dispute, XXXX changed their return policy on the XXXX cards and let me return all 18 boxes for a full refund. I have the chat log that states so, including the prepaid shipping label they sent me as well as a statement that they received the items I sent them and that they processed the refund on Monday XXXX XXXX. However i still have yet to get the refund. 

XXXX stated since i opened a chargeback id have to work with my bank to get it fixed. It was around XXXX where discover stated the transaction was valid and reversed the charge. I then proceeded to show them the proof that i returned the merchandise, and that XXXX themselves stated they had received the items and that I was processed a refund. However just this evening I got another email saying the charge is valid and my proof is insuffecient. I dont understand how my proof of return including label and statement from an XXXX representative is insufficient. I asked for a review of the case on XX/XX/XXXX and it took them this long to get back to me even though they stated theyd take XXXX days for a supervisor to reach out to me. 

I can not reach a supervisor about my case and this is my last hope to get my money back because now i dont have the items anymore and Im also stuck with the charge.
Consumer complaint received 2020-03-03
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: JPMORGAN CHASE & CO. (TX)

In XX/XX/XXXX I received a letter from XXXX XXXX XXXX XXXX A collection agent for JO Morgan Chase Bank N.A . 
I was offered a settlement amount of {$5300.00} Paid in 3 Installments ; XXXX {$1700.00} XXXX {$1700.00} and XX/XX/XXXX for {$1700.00}. After my final payment I was to receive a letter stating the debt was paid in full And a XXXX balance due would be indicated on my credit report. 
The day my last installment was processed, Chase bank recalled my debt from the creditor And went back on the agreement XXXX HAD MADE WITH ME. The agreement made with me, which I have in writing is not being honored and Chase is only deducted the money I paid to leave a balance of over {$9000.00}. Still owed. 
I sent the letter and the evidence of the installments paid by my bank to XXXX and they updated my file but it does not reflect the agreement made with me by XXXX while working for Chase. 
Can you please require Chase to honor the arrangement made with me Thank you f
Consumer complaint received 2022-08-25
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 the Fair Credit Reporting act XXXX XXXX XXXX  account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX  XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX XXXX  account # XXXX, XXXX XXXXccount # XXXX, XXXX  account # XXXX XXXX XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX XXXX  account # XXXX, XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX- retail account # XXXX, XXXX account # XXXX, XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX XXXX  account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2016-02-19
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: JPMORGAN CHASE & CO. (GA)

This is a debt that was purchased and then resold to XXXX companies that harassed me and later sued me and are now garnishing me for a debt in which I had a credit protection on my account in case I had stopped working. This debt is so old but being that it has been resold it it still alive. I tried to fight it stating I was not served the documents in questions ; however, the case was mute and my wages are garnished because of this.
Consumer complaint received 2022-02-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (FL)

Contacted the company about this account and their main headquarters wrote me back a letter telling me after looking up the account, they could not locate it on file. I am attaching that letter written directly by them. Since they could not locate the account, I demand this account be removed immediately from all credit reporting agencies as this account is causing harm against my name by reporting negative on record. 

this was noted in their response they sent me " Based on the information provided in the complaints, we were unable to locate the corresponding accounts. '' with that information alone, this account should be deleted now.
Consumer complaint received 2022-02-26
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: U.S. BANCORP (WV)

I have {$1500.00} in XXXX gift cards. I added a few of them to my XXXX account and to my XXXX account. When I try to pay using either of these applications using the XXXX gift card as the funding source the transaction is declined. I contacted XXXX by calling ( XXXX ) XXXX. I was told that they do not allow their gift cards to be used on these applications for purchases. I use gift cards due to safety reasons and I find this companies restrictions unacceptable. How can they pick and choose what online purchases will be accepted. These are from U.S. Bank. Inside of the package is a cardholder agreement that says nothing about restrictions for these applications. I have the receipts where I purchased these cards from XXXX XXXX of course there are no refunds on them.
Consumer complaint received 2020-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OR)

Have disputed several times with 3 credit reporting agencies to correct the principal balance and interest rate and payment history on said loan with XXXX XXXX  company.

XXXX is reporting incorrect information to 3 credit bureaus on Account principal balance and interest rate and payment history.
Consumer complaint received 2015-05-08
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (GA)

Green Tree Servicing ( Called GT here ) owns my mortgage loan. My loan has always been paid early! The issue is that GT 's staff is unable to properly process and credit payments when received even if they are made early.. It is impossible to get help by calling and emailing them. I contact XXXX and they say GT owns the loan and it can not be moved by XXXX even though XXXX owns the loan and pays for servicing. I am stuck with GT. Current I paid the monthly payment as billed per GT statement.Now after XXXX phone calls, XXXX emails, a call to the investment company XXXX XXXX XXXX XXXX in XXXX that owns GT and a call to XXXX my account still does not balance. NO ONE AT GT WHO CAN FIX MY PROBLEM IS AVAILABLE TO TALK WITH ME! Anyone who calls is only allowed to talk with someone who can not take any action and simply types some version of your question and syas it is being sent to " them for review ''
Consumer complaint received 2022-02-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: JPMORGAN CHASE & CO. (TX)

Dear Agent/Representative, I want to file a complaint against JPMCB/CHASE Chase Credit Cards. My JPMCB/CHASE Business Credit Card has reported three ( 3 ) late payments to all three of my personal credit report. It is supposed to stay on the business account. I have contacted JPMCB/CHASE and utilized credit repair services for this one ( 1 ) negative item on my report, but without success. JPMCB/CHASE is known to have strict policies that has not budge. We missed payments during the height of the pandemic in 2020. JPMCB/CHASE has unjust rules that after two missed payment the third reports to both business and individual credit reports. JPMCB/CHASE does not offer a forgiveness clause. This credit card is in my husbands business name, but because he got distracted by the pandemic he accidentally missed payments. I also, did not keep track of payments. Now this card has dropped my credit for over two years. We are currently in a payment plan with Chase, but this card on my personal credit report is harming my score and leading to issues with the purchase of our first home.

Please I am asking if JPMCB/CHASE can provide one ( 1 ) forgiveness for one missed payment. That way it will remove this account entirely from my personal credit report. 
Please, I beg someone to help to remove this account entirely from my personal credit report. Please considering our first time home and the pandemic.
Consumer complaint received 2022-02-27
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: Westlake Services, LLC (CA)

I got my loan in XXXX XXXX on my XXXX XXXX XXXX. Payments were to start in XXXX for {$100.00} per month. I setup auto pay so it would come directly out of my account, however I ended up in the hospital for about a month and during that time they hit my account twice. Since I wasn't working and in the hospital there was not enough money to cover the payments. Why I was in the hospital, the apparently repossessed my car for the {$210.00} I was behind and by the time I found out it was taken, they had already sold it at auction. They sent it to auction on XX/XX/XXXX. I was 2 payments behind. I received no notice, no information from them saying they took it and by the time I tracked it down, they had the vehicle for 3 weeks. On Monday XX/XX/XXXX I made arrangements to pick it up on Friday XX/XX/XXXX with the agent who called me. I received another phone call from XXXX on XX/XX/XXXX who works for XXXX, the collection company for Wilshire Consumer Credit and I told him I would be getting my car Friday and I already made arrangements with them. He then informed me that they sold my car that day.
Consumer complaint received 2019-12-15
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (GA)

I have submitted more than5 applications with have all been denied. When talking to my loan company the stated that my 2 nd application placed with them was denied because working for XXXXXXXX XXXX and XXXX XXXX was not income. So I spent months finding two different jobs and I reapplied. Since then I have been lied to, denied again and have been told that now since I make {$4500.00} a month I still don't make enough. I made less money when I got the home and have been calling the loan company every day they still haven't told me why I'm denied even though they said they cancelled the for sale on my home and I was approved. Now I'm denied for not enough income and no one will talk to me what do I do now I call everyday please help me
Consumer complaint received 2021-04-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (CO)

On XX/XX/XXXX I was served paper work for a civil lawsuit from Midland Credit Management INC. This was for a closed XXXX XXXX card from back in XXXX. I was paying all my bills and was current on my bills. I quit receiving statements since I had believed the account was paid in full and closed. 

On XX/XX/XXXX when I was served a civil court order to appear in court for a total balance of {$2900.00}, I noticed that the creditor had my incorrect address listed, showing me as living in an apartment not in a home. I live in a house not in an apartment complex. The address they had listed is not my correct address. So I do not know where the mail was going to with the incorrect address they had listed for me. 

I have not received any phone calls or letters in the mail from Midland Credit Management INC, until I was served with a summons to appear in court on XX/XX/XXXX. 

I pay my bills and I do not have issues in my credit. For a company to file a civil law suit and not follow federal law of notification to the consumer and ensure that the consumer has properly received the mail to make payments is not lawful. How can a company file a suit without properly notifying a consumer via certified mail to ensure the consumer receives the mail? The consumer then could respond to the mail if the consumer had received the mail going to the correct address. 

If the creditor never sent out mail to consumer to make the payments, how can this be a consumers problem?
Consumer complaint received 2022-02-26
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. (IL)

I have sent several letters to XXXX over the course of the last 6 months. I have provided copies of my consumer report as well as identified inconsistent and erroneous information that should not be on my report and they have yet to sufficiently respond. I have asked specifically for original contracts with wet signature. They keep sending computer generated responses instead of actually doing an investigation. They fail to answer any of the questions in my disputes which proves they are not even reading the letters. I sent sent them specific laws listed in the FCRA that they have failed to abide by and they again have not done anything about it. This is damaging to my report and harmful to my consumer reputation. I have been denied credit due this this incorrect information being furnished on my report. It needs to be removed immediately.
Consumer complaint received 2022-02-26
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: EdFinancial Services (FL)

Last year I started at XXXX full time. Through the course of the first term there was a HUGE hacking breach on all my devices. I've tried reaching out to them multiple times to the school regarding it with no rectification. ( mind you they have a government funded hacking program ). Its caused ALOT of XXXXXXXX XXXX as well as XXXXXXXX XXXX problems including being XXXX  numerous times for weeks on end. 
I had to withdraw classes. I did try however to go back in the fall- with the same issue reoccurring. 
As of right now my husband who is a veteran did reach out to an attorney and the XXXX regarding it. 
At this point I think is extremely unfair to demand payment of classes from school who was involved in turmoil to my health. 

Please help.
Consumer complaint received 2022-02-26
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Problem with customer service — 
Company: Coinbase, Inc. ()

Coinbase has locked me out of my account, with zero communication or explanation, while having over {$10000.00} in assets in the account. I find this to be unprofessional and honestly illegal given I've attempted to contact them with zero communication back. I work in the compliance field and deal with these cases all the time, the least they can do is communicate - however it seems like they decide to randomly lock users out based on a quick XXXX search. I am exhausting all resources and energy to try get my funds out as this is ridiculous. They make an insane fee on every trade and seems like day-light robbery to just lock customers out without any explanation. It's important to note that I am fully XXXX with source of income and reside in XXXX. I would grealtly appreciate your assistance as it seems like you assisted people online. I also have a fully strong generated password with 2FA and email confirmation login - whatever reason they decide to give is honestly going to be full of XXXX
Consumer complaint received 2016-04-17
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (UT)

Portfolio Recovery Inc is pursuing to send mails to my address stating that I own debts that were resolved with the creditors 2 years back. Checking the reviews, returned all these scams where they take up accounts which were in bad status at some point of time in the past and just pursue to get some money out of customers. They have to stop sending me communications, as I have called up the issuing companies and have officially settled them up.
Consumer complaint received 2015-09-25
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (CA)

On XXXX/XXXX/15 I went into my Chase branch to pay off my credit card balance in full. I overpaid by {$330.00} so that any additional interest XXXX {$110.00} would be paid from that and then refunded the balance on the next cycle. After the cycle completed, I requested the difference to be transferred to my checking account. Because I asked for a transfer to my checking account and not a check, they had to put the {$23000.00} back into my account as a charge and then credit the payment incurring {$160.00} in interest. and still refunding me, now making the account have a minimum payment due of {$44.00}. When I closed the account they took it off my account dashboard, so I did not know I owed {$44.00}, thus missing the " payment '' 2 months after the account was closed and the statement showed that they owed me money and not the other way around. I have gone into the branch and talked on the phone but they say there is nothing they can do.
Consumer complaint received 2022-02-26
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. (SC)

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation.
Consumer complaint received 2018-05-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (NY)

this company is trying to collect a debt that is not mine, they are also reporting this in my credit without been properly verified as require by the FCRA 15 USC 1681 they are require to have properly verified this debt before placing this item on my credit report and have a hard copy with the original application with my signature on it as well as name, number, address, position held by person contactec to verified this debt. 
I am a litigious consumer and intent to use my right to clear my good name.
Consumer complaint received 2016-07-06
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CO)

A default judgment was entered that included a debt that I was never served any paperwork. I only discovered this when I requested documentation of the payment history from their representative. I actually had to file a complaint with the Colorado Attorney General 's office to get the complete history. At that time, I received paperwork showing the debt that I was never served and that they had closed the case. When I filed the complaint, the current representative filed a motion to dismiss the judgment which was denied. I did request to settle and received no response. I just received paperwork requesting a proposed payment plan.
Consumer complaint received 2016-12-07
Product: Credit card — 
Issue: Late fee — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital One Bank is being completely unreasonable. I was out of the country on XXXX separate occasions ( XXXX and XXXX ) and missed XXXX payments months apart. I had an average of {$15000.00} in my account during those months. The account had been open for a number of years and never late. 

I provided proof of these statements and Passport travel to Capital One Bank but they will not remove from my credit report.
Consumer complaint received 2022-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (UT)

In XX/XX/XXXX when attempting to take out an auto loan I was notified of a delquent account from XXXX XXXX with a balance of {$20000.00}. They stated this card was opened in XX/XX/XXXX and this was the first i was hearing about it. I called XXXX XXXX immeaditly to notify them this was not my account. I filed a police report as well as filed a notice to the FTC. On XX/XX/XXXX a bill was sent for the fradulent account, I contatcted XXXX XXXX to inform them there must be a mistake they told me they found me liable for the card and provided no information on how they made this determination. XXXX XXXX refused to reopen the fraudulent investigation despite my notification that there is no way this could be mine. 

I have another valid tradeline with XXXX XXXX and it has always been paid as agreed. XXXX XXXX should be able to see first hand by looking at their own records and the credit report they would have pulled when the account was opened that I always pay my bills on time and that my credit is very important to me.