davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-14
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: JPMORGAN CHASE & CO. (CA)

Opened a Chase XXXX Prepaid Card onXX/XX/2018 and loaded {$200.00} to start. Once I received the card I loaded another {$400.00} on XX/XX/2018. This card was to serve as a card on a shared gym account payment and a way for both of us to load money to it while getting XXXX credits. He went to load money on it and it gave him an error, I called Chase and they advised they were having system errors and to keep trying, no issue with my card. We continued to try through XXXX with no success so around XX/XX/XXXX we went into a Chase branch and they advised the card looked like it was closed. I spent an hour on the phone while there with Chase Customer Service who looked it up and said I meet all the parameters, I had the online account and she called her collections dept and she verified I had no collections with them so there was NO REASON this account should have been closed but it was, and I would receive a check in 5-7 days for my {$600.00}. XX/XX/XXXX, still no check so I call and demand to know what is going on-AGAIN. Some escalation team lady called me back and tells me the account was NOW JUST CLOSED on XX/XX/XXXX and there will NOW be a check being mailed to me. I again asked her WHY it was closed and she had no answer. Today XX/XX/XXXX she calls back saying that I logged in on XX/XX/XXXX and then the next time was XX/XX/XXXX, they ran some " script '' on XX/XX/18and because I wasnt logged in " enough '' they closed it. This makes ZERO SENSE! AND, if they in fact closed it THEN, then WHY have I not received my money yet and why was I not informed or contacted regarding ANY of this nor informed when I called in numerous times trying to load money. This is not right. I also contacted XXXX who had nothing to say about it and referred back to Chase. Who is accountable for this, I met all the parameters, did everything in the contract for the card, and I am still out {$600.00} which is supposedly being sent to me. This is unacceptable.
Consumer complaint received 2018-12-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (MA)

ALERT we, us, my wife and i received, in our mailbox manufactured electric utility bill statement that we were required to send in upon our several modifications in XXXX ( pg 23/60 ) has been manufactured somebody at Nationstar physically changed the names on the bill.This statement is false, she has never had our electric bill in her name. This also ties in with the manufactured hardship letter as well, tax documents and, cut-copy-pasted dates and signatures.We do not agree with fraud.This is clearly illegal. Possible marital status discrimination? Please explain how her name got onto my bill? Well done i might add it looks very professionally done.We have several other significant issues HUD-1 errors, credit reporting errors, insurance errors.XX/XX/XXXX
Consumer complaint received 2018-09-10
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Source Receivables Management LLC (FL)

Towards the end of XX/XX/XXXX, my contract and leases with XXXX for cellular phone service ended. I chose to end that relationship and change providers. A major reason for that change is that I constantly had a difficult time with XXXX customer service. Credits were supposed to be applied and changes made, but nothing appears to have happened. 

I changed providers on XX/XX/XXXX. On that date, I specifically confirmed with XXXX that the leases on the devices were complete. I then received a bill from XXXX for well over {$1000.00}. I again called and was basically told that, upon XXXX 's receipt of the devices, the bill would be reduced dramatically. I returned 4 of the 5 devices to a XXXX store on XX/XX/XXXX. I returned the other via XXXX on XX/XX/XXXX. 

I do not recall the first phone call, but thereafter I received phone calls from a collection agency saying that I owed XXXX ~ {$1800.00}. On several occasions I explained why that figure is incorrect, but the phone calls continued with no changes. Eventually I explained that any further communications had to be in writing. I received no phone calls for several months. 

Last week, I noticed that the collection company for XXXX reported this purported debt to each of the 3 credit reporting agencies. I initiated a dispute with each of the agencies. Today, the XXXX   dispute investigation was completed, but they did nothing because the collection agency stated the debt was " verified as accurate. '' The investigation results provided the following information for the collection agency : Source Receivables Manag XXXX XXXX  XXXX XXXX, NC XXXX ( XXXX ) XXXX On XX/XX/XXXX, I called the number provided and spoke with a representative. I called at XXXX XXXX EST, and the representative terminated the call at XXXX XXXX  EST. I tried to explain the ongoing issues, and why the debt is invalid. The representative was combative and uncooperative. I explained that my prior phone calls from XXXX will show why the debt is invalid. Her response was that it is not her responsibility to dispute the debt. I explained that I do not have access to the XXXX database. I then tried to have the representative explain the basis for the debt. She said that the debt was because I terminated the leases early. This is something I had never heard before. I explained that, regardless, I had not terminated the leases early, and asked her to further explain the purported amounts owed. She refused. She said that I was cutting her off and the conversation was going nowhere. She then terminated the call. 

They have refused to address this issue, and I have no other way to have them acknowledge that this debt it invalid.
Consumer complaint received 2018-12-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

After checking my credit I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a will be filed soon police report. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file.
Consumer complaint received 2020-05-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (DE)

Following collection company has a collection account since XXXX. I don't recall opening account. I'm trying to buy house and they are effecting my credit report. 

Account NameJEFFERSON CAPITAL SYSTEMS Account NumberXXXX Account TypeDebt Buyer ResponsibilityIndividual Date OpenedXX/XX/XXXX StatusCollection account. {$540.00} past due as of XX/XX/XXXX.
Consumer complaint received 2018-12-13
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AMERICAN ADJUSTMENT BUREAU,INC. (GA)

On XX/XX/2017, I received a derogatory mark on my credit report from the American Adjustment Burea of {$310.00}. I've attempted to clear the negative remark on my report for it is hindering my ability to open accounts and I was not sure where this bill was coming from. I would like to address this immediately. I want to clear the negative remark by paying the balance or having it be forgiven. I was unaware of the implications and I am in a tough financial situation right now.
Consumer complaint received 2020-05-10
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: CITIBANK, N.A. (NJ)

I opened a dispute claim with Citi Bank and they declined the claim within 10 days giving me non valid reasons. I was charged by XXXX for {$860.00} in which i never received services for nor a refund they told me to speak to my credit card company. At this point its fraud/scam because Citi bank does not want to give me back this credit amount.
Consumer complaint received 2018-12-31
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica (OH)

on XX/XX/18 someone used my XXXX  XXXX  card number ( card was not stolen ) to make 2 purchases at XXXX in XXXX XXXX NY one for {$15.00} and one for {$170.00} both cleared on XX/XX/18 after i had already called XXXX  XXXX  from finding it online at there website. why they can not stop payment needs to be addressed, they canceled my card and sent a new one about 5 days later, they also sent a fraud questionnaire which i returned on XX/XX/XXXX. along with a police report from the XXXX. over the next 23 days i kept calling and they kept saying they have not received my letter and nothing could be done as far as a provisional credit for my account.i informed XXXX XXXX  personal every time i called that i have been completely out of money ( i mean not even a dollar bill ) since the XXXX of XXXX. calls made on the XXXX. on the XXXX a XXXX XXXX  lady said ; we received your letter on the XXXX but that is 2 days past the deadline for a provisional credit. note ; ( on the XXXX. XXXX  XXXX said they had not received my letter yet. ) i told the lady i can not control the mail and it is the holidays so it may have been a day or 2 at most delayed and your going to tell me i will half to wait until the investigation is finished before giving me the credit! she said ; we can not control the mail either, can i help you with anything else. i said yes, you guys can do what your suppose to do and credit a persons account not make some excuse about the mail being late.later that same day a man from XXXX XXXX called named XXXX he said he received my request for expedited case, i said today, he said yes, i said a lady from XXXX XXXX  did that back on the XXXX 4 days ago. he said we received your letter but there is no postmark on the envelope, i said you can be sure the letter inside has a date on it. he said i will try and get this information to the investigator on Monday the XXXX. i asked him if that person works in the same building, he said yes. i said you have got to be kidding me, he's in the same building and you can not walk over to where he is and give him this information. i told him the entire story from the XXXX of XXXX to now, he said ; i will see what i can do today, i said i would appreciate that. it is now XX/XX/18 and my account still shows XXXX  balance and both fraudulent charges still appear on my account.
Consumer complaint received 2017-07-05
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

in regards to this previous case # XXXX. I just faxed the pervious paperwork the XXXX XXXX which she never called me back or told me that I was missing something. I faxed the paper work to her on XXXX2017. I am faxing you the same paper work and you will see that I did faxed them everything and even my pay stubs and banks statements to them. they keep saying that I do n't sent them the information but is false statements. they do n't answer their calls and they do n't even answer their mail and just at the last minute they make the customer wonder what is going on.
Consumer complaint received 2018-12-31
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: EQUIFAX, INC. (GA)

XXXX XXXX {$240.00} I challenge the accuracy, compliance and reportability of these listings.

There is no valid claim ... account was settled with original creditor ( Debts can not be collected twice ) ... grave errorsfalse claims and reportingsI want this account removed immediately or litigation may follow Please validate this information and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX or any means of automated verification.

You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..
Consumer complaint received 2018-12-31
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: Experian Information Solutions Inc. (GA)

XXXX {$680.00}, {$510.00}, {$1000.00} I challenge the accuracy, compliance and reportability of these listings. 
There is no valid claim ... accounts were settled with original creditors ( Debts can not be collected twice ) ... grave errorsfalse claims and reportingsI want these accounts removed immediately or litigation may follow Please validate this information and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX   or any means of automated verification.

You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..
Consumer complaint received 2018-12-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (CA)

Ocwen has failed to deliver any solution to my financial hardship and I would add Failed miserably to deliver minimum standard to Help homeowner is what we do according to their motto 1. It took Ocwen over 4 months to complete my loan modification package by demanding income info, only to reject the modification and add salt to the wound by telling me that gross income is N/A not applicable???? 

2. Loan repayment, I requested a repayment plan as my income is increasing from current monthly {$4500.00} to be {$6000.00} in 2019 due to my efforts to complete renovations and upgrades against all odds and rent the rentable portion of the property despite ZERO help from Ocwen The total amount Ocwen is demanding on a 5 month Hamp approved modification mortgage payment of {$1300.00} is 12,000..!! 

{$1300.00} x 5 = {$6800.00} the rest is misc, fees, and escrow which is 50 % of the total amount demanded and of the {$12000.00} only {$2000.00} is towards the principle payment. The remainder is pocketed by Ocwen with the exception of tax and insurance 3. I spent 4 months with auditing the account and after receiving no valid response, I was forced to file an official complaint with the Consumer Financial Protection Bureau, then I started to receive responses I have proven that Ocwen has a consistent pattern of questionable transactions and discrepancies
Consumer complaint received 2018-12-31
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BCA Financial Services, Inc. (FL)

BCA FINANCIAL SERVICES INC IS HOLDING A COLLECTIONS ACCOUNT ON MY XXXX, XXXX AND XXXX CREDIT REPORT THAT IS NOT MINE. 
ACCOUNT NUMBER ; XXXX XXXX
Consumer complaint received 2018-12-13
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: CAPITAL ONE FINANCIAL CORPORATION (TN)

I have spent countless hours on the phone with this credit card company about the fraudulent activity that has been reflecting on my account for sometime now. Back on XX/XX/2017, I paid the balance of {$3200.00} off in full and another payment of {$11.00} on XX/XX/XXXX which would take care of the entire balance of this account. I knew I would be going overseas so I didn't need any issue with the account or my credit while I would be away for so long. Fast forward to the very same month someone has used my card or information to purchase various unauthorized items. This goes on again a few month later and this point I asked Capital One to place a hold on this card so no other fraudulent activity occurs. While trying to get this taken care of I was advised that the determining factor in which my fraud claim was denied was because a package was mailed to my residence but there was no signature of the package being received. I advised the manager that if someone stole my information its not that hard to have a package delivered to someones home in hopes of them not being there when the package is received. The email address that was attached to the purchase didn't even belong to me and there was no trace to the owner. I have even disputed this information with the credit bureaus and provided proof of my complaint with the FTC and this claim has still been denied.
Consumer complaint received 2018-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (CA)

I've tried to retrieve my credit do data matches. Also I've tried to set up gas and electricity but I've had to pay large deposit amounts because they can't find me with the credit agencies in particularly Experian. I've sent my Picture ID 's Social Security and other identifying documents and I just can't seem to be able to resolve this matter. I set up XXXX XXXX  and they also dont show any information related to my score or credit history.
Consumer complaint received 2018-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/18 i called transunion on 2 separate occasion about a issue with my credit report regarding an " airline credit card hard inquiry '' which i explained the phone number does not work and the address is a p.o. box. The first time they gave me a phone number to call the merchant and ask for a letter of deletion. when i called the number they say they do not know anything about it and that they are not related to that company. When I called transunion back to open a dispute so transunion does there job and investigate this fraud they said told me the same thing and said it happens to all XXXX XXXX people and to call the same merchants back and call XXXX XXXX  as well, which has no customer service number at all, to have them fix this. This is beyond ridiculous and beyond just passing the problem along. Transunion did nothing when i called to open a dispute into my credit report when it is their responsibility not mines to investigate anything that i request especially if I told you the company does not exist and the company they refereed to me basically disavowed any knowledge of this company. I
Consumer complaint received 2020-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Crown Holdings, LLC (NJ)

I have made disputes with the credit reporting companies and the debt collectors, who dont even have accounts that are mine, just keep harassing me over small amounts that they split and renew so it never leaves my report.

Ive also been informed that my identity was stolen by my bank. They caught it early but there are 12 inquiries that I cant get removed. 

The biggest problem is that credit reports are not easy to read for consumers and debt collectors are able to find loopholes like what I explained earlier. They have harassed me over a bill that belonged to a previous owner of a house I lived in 10 years ago! It started as {$68.00}. But its the principle. I looked at my credit report today and they were able to sa it was a new date as of XX/XX/2020. How is this legal?
Consumer complaint received 2018-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

On XX/XX/18 I submitted a dispute per FCRA to correct incorrect information on my Experian Credit Report per FCRA Regulations Section 623 whereas they remove some of the incorrect names but not all. I am a XXXX, my son is a XXXX.I am living by my full name at birth including XXXX. I have submitted several request on XX/XX/18, XX/XX/18 ,XX/XX/18 and XX/XX/18 with negative results. I can't understand why they continue to list these names i've request to have deleted. Thank You
Consumer complaint received 2018-12-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (IL)

I XXXX XXXX have a collection placed on my credit report with XXXX XXXX XXXX located in XXXX WA. I have never opened an account with this corporation and thay have failed to provide me proof of the alleged debt. This negative information was placed on my credit report on XX/XX/2015 in the amount of {$210.00}. I have been hindered in obtaining a vehicle because of this negative and inaccurate information. I am demanding this account be removed due to lack of validity.