davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-16
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. (NY)

I am a business credit card account holder with Chase Credit Cards. There was an agreement with a company called XXXX in which they were supposed to furnish me with QUALIFIED leads for my business. We handled business over the phone. I made great emphasis in the fact that these leads needed to be approved by XXXX and my XXXX, they told me repeatedly that they were. One of the features of the service was that I would be able to use a very specific booklet along with the leads provided, along with the leads, they are suppose to provide all information needed so a consumer can make an educated transaction. 
After taking this booklets and leads to my XXXX XXXX, I learned that not only these leads were not approved, the booklets were not XXXX approved. I immediately tried getting in touch with the company several times without much success. 
XXXX finally got back to me on XX/XX/XXXX and they claimed that they can't do anything to help me as they have no " sway '' with my compliance department. Since then, they stopped responding despite several attempts to get in touch. 
On XX/XX/XXXX, I made a call to Chase to report what had happened. They started the claim process and claimed that will get back to me once the issue is resolved. On or around XX/XX/XXXX I received a phone call from Chase claiming that XXXX had answered to the claim and that they have provided a signed contract which was odd because all communication with them was over the phone. They sent me the contract I supposedly signed via mail and after a brief inspection I found out the area were my signature goes was an odd looking scribble. I immediately went back to Chase and explained the situation and they asked me for my IDs along with other documentation that can show my signature ; which was sent to Chase on XX/XX/XXXX. 
After phone confirmation of receipt of the email, I traveled over seas for less than 3 weeks. Upon my return, I followed up with Chase twice over the phone and they confirmed that the documentation was being reviewed and they will get back to me. 
Finally, sometime on XXXX I notice that the temporary credit they placed on my account was gone. I called Chase to inquire about the result of the investigation and they claimed that the time frame in which I was allowed to make a claim had passed and they can't do anything else for me.
Consumer complaint received 2020-05-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (MS)

disputed with the company twice the failed to investigate the stalled the process to investigate with original creditors on the validation of debt letter i sent to creditors the creditors also failed to validate said debt i owe. i disputed a third time with supporting documents on the validation letter sent the creditors are still reporting false debt on my credit profile
Consumer complaint received 2023-12-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P. (FL)

On behalf as an consumer ( Debtor ), I am informing you that an creditor ( XXXX  XXXX, LVNV Funding Sherman financial group, LLC etc. ) is bankrupt .To which requires the entity to notify credit reporting agencies of all debts status to be changed from a charged off to being subjected to the bankruptcy discharge. ( a ) A discharge in a case under this title ( 1 ) voids any judgment at any time obtained, to the extent that such judgment is a determination of the personal liability of the debtor with respect to any debt discharged under section 727, 944, 1141, 1192, 1228, or 1328 of this title, whether or not discharge of such debt is waived ; ( 2 ) operates as an injunction against the commencement or continuation of an action, the employment of process, or an act, to collect, recover or offset any such debt as a personal liability of the debtor, whether or not discharge of such debt is waived ; and ( 3 ) operates as an injunction against the commencement or continuation of an action, the employment of process, or an act, to collect or recover from, or offset against, property of the debtor of the kind specified in section 541 ( a ) ( 2 ) of this title that is acquired after the commencement of the case, on account of any allowable community claim, except a community claim that is excepted from discharge under section 523, 1192, 1228 ( a ) ( 1 ), or 1328 ( a ) ( 1 ), or that would be so excepted, determined in accordance with the provisions of sections 523 ( c ) and 523 ( d ) of this title, in a case concerning the debtors spouse commenced on the date of the filing of the petition in the case concerning the debtor, whether or not discharge of the debt based on such community claim is waived. 
Also in reference of 11 U.S Code 727 ( b ) A bankruptcy discharge relieves a consumer of any legal obligation to repay a discharged debt- in terms does not make the debtor liable of such debt.
Consumer complaint received 2019-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Ditech Financial LLC (VA)

Ditech was contacted in XX/XX/XXXX after trying to collect on a paid mortgage. My home sold on XX/XX/XXXX. Spoke with XXXX who said they lost the check but did show the home was sold. She would track down the check. Contacted XXXX attorney The XXXX XXXX XXXX who represented them in their erroneous foreclosure filing to see if they could help since they know the foreclosure never happened. Exchanged emails with XXXX XXXX. Never got anywhere. I have now called Ditech 2 times holding over 30 minutes without anyone answering. I am on hold again now. My credit report still shows the mortgage due and $ XXXX in arrears. A title search of the property will show it paid and the condo no longer owned my me.
Consumer complaint received 2019-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (MS)

Over the last 4 months our electronic auto draft for our VA home loan was canceled. This put us behind two months, we did not find this information out until we received a paper letter at a family members home ( XX/XX/2019 ). The amount was drafted every month, there was no change in banking information or accounts. Upon our payment we were hit very hard on our credit score. We tried to talk to the company about the reporting after the completion of the payment in full. Is there any way to assist or can anything be done about the reporting.
Consumer complaint received 2019-01-31
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

I opened an HSBC checking account online on XX/XX/2018 after I clicked an advertisement link on their official website. As per the advertisement I was supposed to get XXXX $ welcome bonus, if i maintained a balance of {$1500.00} for 3 months. I maintained the balance for 3 months and then chatted with them, they said it will take 8 more weeks to get paid the welcome bonus. After 8 weeks I chatted with them again and this time surprisingly they said that I am not eligible to get the welcome bonus, even though i met with all the criteria required. The excuse they are giving is false and vague. They are saying that I did not click the right link to open the account and hence can not get the bonus. First of all why there was a wrong link in their official website to open an account? Secondly when I chatted with them for the first time after 3 months, they did not mention anything about wrong link that will disqualify my bonus eligibility. Thirdly after luring the customers about welcome bonus, why they are deliberately singing them up using the wrong link if thete is any such thing at all? Fourthly why am I still getting the false advertisement email in my registered email id given the fact their intention is to cheat the customers?
Consumer complaint received 2019-01-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (PA)

Through a series of complicated, opaque consolidations, and an application for Public Service Loan Forgiveness, I ended up with a large amount of student debt serviced by XXXX XXXX. ( {$100000.00} total, spanning undergraduate, XXXX XXXX, and XXXX study. ) I applied for Public Service Loan Forgiveness in XX/XX/XXXX/XX/XX/XXXX, shortly after I began a full-time position at XXXX XXXX, a qualifying XXXX XXXX  institution for Public Service Loan Forgiveness. I received an acknowledgement that I was approved for PSLF. I worked at XXXX until XX/XX/XXXX, when I left in preparation for a new XXXX  position at XXXX XXXX. I have been at XXXX since XX/XX/XXXX. 

According to my XXXX  account statement, I began making payments toward my balance in XX/XX/XXXX. ( I completed my XXXX  in XX/XX/XXXX, so I assume the gap is due to a repayment grace period. ) During the next year and a half I continued to make payments on time. For the month of XX/XX/XXXX I was officially unemployed, as my post at XXXX XXXX   began in early XX/XX/XXXX, but I continued making loan payments.

I have been sending repeated inquiries to XXXX to determine whether I am still enrolled in Public Service Loan Forgiveness and how many qualifying payments I've made. I have received cut-and-pasted responses to most of my inquiries since XX/XX/XXXX. ( They did finally confirm, on XX/XX/XXXX, that XXXX XXXX  counts as a PSLF-qualifying institution. ) I contacted them in XX/XX/XXXX to request that they remove paid-ahead status from my account, which seems to be the same tactic they have used to effectively remove payers from the PSLF payment scheme. I had never requested that my account be placed in " paid ahead '' status and do not understand why this was done. XXXX claimed that some of my payments did not qualify for PSLF for this reason. 

All I'm requesting is that XXXX  accept all of my payments since XX/XX/XXXX as qualifying PSLF payments. I'm aware of the class-action suit against them and don't want to be another victim of their predatory practices.
Consumer complaint received 2019-01-31
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP (VA)

I have reached out to US Bank in concerns about accrued late payments. Several years back I lost my job and was unemployed for almost 2 years. During that time I struggled and did any side work or sold whatever I had to sell to insure I did not lose my home or go into foreclosure. Now since back on my feet, the last few years I have been on time and never missed a payment. I actual have auto draft setup and it comes directly out of my account every month. So I called US Bank asking if they would remove those accrued late payment charges which amount to {$3800.00}. Unfortunately I was told that they would only waive one late payment penalty charge of {$65.00} out of {$3800.00}. I have own this house for 15 or 16 years now and I have paid ungodly amounts of interest and I know I have paid late payment as well. It is a shame that I was one of the ones that did whatever it took to keep my house and not to go into foreclosure, which US Bank would have lost a lot more that {$3800.00}, but they could care less. They could care less about the home owner, its all about the money.
Consumer complaint received 2019-01-31
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: ENOVA INTERNATIONAL, INC. (TX)

I applied for a payday loan in the amount of {$1800.00} on XX/XX/XXXX. I mailed a letter and emailed an attached letter revoking authorization to debit my checking account. They sent an e-mail saying that they got my letter and they confirmed that I had canceled electronic ACH authorization. I was going to pay CashNet USA with a money order, but I found out that I have a pending payment in my checking account in the amount of {$2200.00} on XX/XX/XXXX. They went ahead and with the electronic withdrawal even though I had revoked ACH authorization. They charged me extra fees that go along with getting an expensive payday loan. They also refused to give me the mailing address to send a letter to revoke ACH authorization. They claimed that the loan had to be paid in full before I could ask to revoke authorization for ACH payments. They took money that they weren't allowed to take and now my account is in overdraft. I doubt they are going to pay my overdraft charges. They also don't respond to e-mails regarding revoking ACH payments.
Consumer complaint received 2020-05-21
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. (AR)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX   XXXX {$400.00} XXXX  XXXX {$4900.00} XXXX XXXX {$15000.00}
Consumer complaint received 2019-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Convergent Resources, Inc. (IL)

XXXX XXXX XXXX XXXX is attempting to charge me a cancellation fee that was assessed in error. I have spoken to them via phone countless times over the past few months to no avail. They have now sent this account to a collection agency, Convergent Healthcare. As has been explained both to XXXX/XXXX  as well as Convergent Healthcare, my son, XXXX, went to XXXX, AZ to visit with his father this summer. He had an appointment during his visit which I cancelled. XXXX claims another appointment was rescheduled that same day, which XXXX   missed. This information is in error. I did not reschedule another appointment at the time of cancellation as I did not know when XXXX   would be returning. Therefore, if another appointment was scheduled, it was done so without my knowledge or consent. Certainly I can not be held liable and charged for missing an appointment that I was not aware existed. 

Convergent 's response to my dispute was that they would contact XXXX and it would be up to XXXX as to whether, or not, this account was removed from my credit report. Under the FCRA, as Convergent is the " furnisher of information, '' they have a duty to verify the accuracy of this account prior to placing it on my credit report. They also have a duty, once informed of a dispute, to conduct their own independent investigation into the debt 's accuracy. They can not simply rely on the word of XXXX to determine whether or not this debt is valid. It is THEIR duty to ensure the information THEY are reporting is accurate.
Consumer complaint received 2019-01-31
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: CITIBANK, N.A. (NY)

My credit card was compromised while on vacation in XXXX and resulted in {$2800.00} in fraud charges, despite being on an XXXX XXXX flight one hour before these charges occurred the fraud department deemed these charges are authorized. It was impossible for me to authorize these charges on the ground in XXXX while sitting in an aircraft XXXX feet in the air. I've presented flight information and can also provide cellphone GPS to prove that I was not present at the time or location of these charges. Additionally, after bringing these charges to the attention of XXXX XXXX Department my card was deactivated but was again used in XXXX on XXXX while I was on an XXXX Train from XXXX NY to XXXX XXXX NY. 

During these transactions in XXXX, the card was in my wallet and was not used by me nor was it authorized by me to be used by anyone else.
Consumer complaint received 2019-01-31
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. (TX)

Transunion you are in violation of reporting a alleged account that is in dispute it was not and has not been verified as legal or accurate to report XXXX XXXX XXXX has no right to report to you .you clearly are violating the FCRA this was referred to the CFPB case XXXX on XX/XX/2019 remove this account at once
Consumer complaint received 2019-01-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (IL)

For my CitiPremier card, I was told by XXXX on XX/XX/2019 that my sign up bonus of XXXX ThankYou points will be updated by XX/XX/2019. It is now past this date, and I still do not have the points. Please post the sign up bonus, as it is now late from the promised date.
Consumer complaint received 2023-12-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: NAVY FEDERAL CREDIT UNION (TX)

In XXXX, Navy Federal alledged I had some returned checks totaling {$5000.00}. The company closed my account after a period of XXXX  months attempting to collect a debt. I did a UCC-11 search to see if I had any liens on me. To my surprise there were no registered recorded liens by Navy Federal on me. The collection department for Navy Federal insisted I owed a debt to them. Which if I do owe a debt. Why didnt Navy Federal registered the alledged debt with the Secretary of State in Hawaii which is required by federal law. Also, Navy Federal violated the Emergency Privacy Act of 1974 by furnishing my information to a third party non affiliated creditor reporting agencies.
Consumer complaint received 2023-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

XXXX, Experian, and XXXX continue to report inaccurate information on my consumer report. 

The account listed XXXX XXXX Account # XXXX. 

Last Verified : XX/XX/2020 -- -- Date of Last Activity : XX/XX/2020 XX/XX/2020 XX/XX/2020 Date Reported : XX/XX/2020 XX/XX/2020 XX/XX/2020 Date Opened : XX/XX/2020 XX/XX/2020 XX/XX/2020 Closed Date : XX/XX/2020 -- -- Account Rating : Transferred Closed Transferred Creditor Remarks : Purchased by another lender Purchased by another lender Account transferred or sold Real Estate Mortgage Account Type : FHA real estate mortgage FHA real estate mortgage Real estate mortgage 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Consumer complaint received 2023-09-11
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. (NC)

I submitted a credit repair request to a company, but they failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2019-01-31
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Rauch-Milliken International, Inc. (SC)

Dates to XX/XX/XXXX when we received message from XXXX, with XXXX XXXX XXXX, XXXX that we ow {$350.00} on XXXX XXXX account. I returned call explaining that account was cancelled & if this was final payment on XXXX I was happy to honor the committment. Claimed it was auto renew - I told them to produce an original contract where I agreed to auto renew. Several days later got bill from XXXX XXXX XXXX ( XXXX XXXX, AR ). 

XX/XX/XXXX - wrote certified, return receipt letter ( with certified, return receipt copy to XXXX XXXX ) - recounted phone conversation ; repeated offer to pay {$350.00}, BUT must have assurances that this terminates association. 

XX/XX/XXXX - wrote certified, return receipt letter to XXXX XXXX XXXX with Rauch-Milliken ( XXXX, LA ) in response to his form demand dated XX/XX/XXXX, recounting situation with XXXX  and XXXX XXXX XXXX, including offer. Stated, " Now that you wish to threaten legal action, you may no longer contact me directly for any reason whatsoever. All contacts with your firm must be through our attorney, XXXX XXXX... '' XX/XX/XXXX - wrote similar letter, certified, return receipt to XXXX XXXX in response to another form letter demand. 

XX/XX/XXXX - wrote similar letter to XXXX XXXX, Rauch-Milliken,  certified, return receipt. 

XX/XX/XXXX - wrote certified, return receipt letter to XXXX XXXX at Rauch-Milliken referring to my letter of XX/XX/XXXX. Said in this letter, " Consider this a cease and desist letter under the Fair Debt Collection Practices Act. You are hereby notified that if you do not comply with this request, I will immediately file a complaint with the Federal Trade Commission and the South Carolina Attorney General 's Office. Civil and crimimal claims will be pursued. '' Since that time I have received calls on XX/XX/XXXX at XXXX. When not answered, they called right back, demanded that I speak to them and then hug up on me as I was telling them to stop. 

Received additional phone messages on XX/XX/XXXX and XX/XX/XXXX - advising us to retain attorney, etc.