davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-25
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Financial Credit Service, Inc. (NH)

I have received a collection call from ARA, noting that they have attempted to reach me on several occasions to collect on a debt, valued around {$8000.00}. The debt was apparently last held by a payday loan company, known as XXXX. Prior to that, the debt was held as a signature loan with a company ( XXXX XXXX ) that is no longer in business. The debt supposedly originated around 2001 - 16 years ago. The issues with this request are : ( 1 ) I have never taken out a signature or payday loan with the companies noted ( 2 ) I have never received any communications regarding said debt - written or otherwise After doing some extensive research on Asset Recovery Associates, I have found a multitude of complaints across various websites about this company. They purchase extremely old debt and attempt to collect on it. The problem is that the debt is either : ( 1 ) Beyond the statute of limitations ( in NH, it 's 3 years ) ( 2 ) The debt in question is not even tied to the person that they are trying to collect on I am extremely concerned, as it appears that they were able to acquire a copy of my credit report. They noted all of my current creditors, of which I have a very good or excellent standing. They are threatening to take me to court for a debt that I do not owe with a creditor that I have neither done business with. Based on the numerous complaints that i have found online about ARA, this appears to be their method of operation. I find this to be highly illegal, especially with the treatment that they have given me. They are threatening court action, which I know that they will lose ... but not without the potential risk of hurting both my identity and my credit worthiness
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2017-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (NY)

I have had a Home equity loan from Chase Bank since XX/XX/XXXX ( interest only payments until XX/XX/XXXX ). InXX/XX/XXXX it converted to interest and principal payments ( the monthly payment nearly doubled ).
As I was now retired on a fixed income at that time, the new higher payments were a struggle to make. I applied to Chase for a loan modification. This process was to say the least, agonizingly slow and laborious.
However, after many months the modification was approved and my new monthly payment was reduced by half making it very affordable and putting my mind at ease.
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But here 's the problem. From XX/XX/XXXX to XX/XX/XXXX the payments were getting ahead of me. I started to fall behind while waiting for the modification from Chase to come through. When I could I would go to the local branch of Chase and make payments of {$1000.00} dollars. In one of many phone conversations with the modification officer working my case, I mentioned making these payments. He said I did n't have to do that. He stated that any unpaid balance would be assimilated in to the modified loan. So I stopped making those payments.
<P/>
The modification was approved and I entered the 3 month trial payment period. Having made those trial payments on time, the final new modified loan was approved. And in deed, the previous balance was assimilated in to the new loan and the account show current.
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Now, here 's the rub. It seems that during the 3 month ( XX/XX/XXXX, XX/XX/XXXXand XX/XX/XXXX) trial period those payments did not go directly towards the loan balance. I 'm assuming they went in to some kind of holding account until the trial period was over. And, indeed that is what happened. But meanwhile the bank reported that not only were there late payments from XX/XX/XXXXto XX/XX/XXXX but they also reported as late, the trial period payments ( XX/XX/XXXX,XX/XX/XXXX and XX/XX/XXXX) even though they were made on time.
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My credit rating has since gone downhill now. I have written to Chase and even contacted the local Chase branch manger to try and correct this problem. According to the Credit bureaus I 've contacted, this type of dispute has to be corrected by the bank.
The bank has replied basically saying " Tough luck '' I 'm a XXXX year old XXXX  Veteran. I may not have 7 years to wait for the credit report to " self '' clean the information.
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I 'm at a loss as to how and try to fix this problem. I WAS TOLD by the bank that I did n't have to make those payments and then they XXXX me ( and I 'm guessing a lot of others too ) by giving me a bad credit rating with no effort to fix it.
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I 'm at a loss!
Consumer complaint received 2024-10-14
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. (AZ)

The unverified account listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus but I never received a response from it. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX : {$17000.00}
Consumer complaint received 2016-11-11
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (FL)

We have multiple accounts at Chase bank. In XXXX XXXX, 2016, at about XXXX ET, a fraudster used my wife 's stolen social security number and a fake driver 's license to have a debit card re-issued to her. This card was only used for a small account, but the banker attached it to any account to which my wife 's social security number was attached. Ultimately, through ATM withdrawals with that re-issued card and a paper withdrawal slip, the fraudster stole {$9500.00} from our accounts. This was done at a bank at XXXX XXXX XXXX XXXX in XXXX XXXX, CA. We live in XXXX XXXX, FL, nearly XXXX miles away. We received immediate fraud alerts as this happened, and even saw the money disappearing as we spoke to the fraud department on the phone. 

Since then, Chase bank has repeatedly denied our claims, causing us to re-submit the claims to have our monies returned over six times. They have given us temporary credit, then withdrawn it five times. We have spent nearly 30 hours trying to resolve this, both in the bank, and on the phone with Chase, and lost our own work time and wages, each time being told the situation would be investigated. Our accounts are in constant flux, and we do not know when we can pay our bills. In many cases, we 've been sent to senior managers who have escalated the claims, only to have them denied later. The process has been taking an inordinate amount of time, and the burden has been on us to constantly prove what happened and re-tell the story. We have police reports, an FTC report, and other supporting documentation ( as well as our local branch VP ) in support of these claims, not to mention the fact that the crime was committed very far away. Yet, because the ATM withdrawals were done with a re-issued chip card, Chase continues to deny us. 

Chase Bank is responsible for this theft in the first place. Their security measures are either wholly insufficient, a banker at the XXXX XXXX branch is distinctly unqualified or negligent in his or her job, or that banker is a simple a criminal who was complicit in this. Chase has made a disaster out of this for us, particularly as we are " Private Clients '', which is a meaningless distinction in a bank that is too large to serve any customer well. We are furious and tired. While we await proper return of our money, it is clear that Chase cares little for its customers.
Consumer complaint received 2016-11-11
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Collection Bureau of America Ltd. (NV)

This complaint is regarding an inaccuracy on my credit report. I have sent Collection Bureau of A ( 2 ) certified letters requesting viable evidence bearing my signature that I owe this debt. They have ignored my request and failed to respond. They have also violated federal law, by not properly investigating my complaint with in the required timeframe, and I have evidence of such, via certified mail receipts, they must now remove the item. They have also failed to mark my credit report that this debt is being disputed by consumer which is another violation of the Federal Law. I believe they have acted in bad faith, and have not complied with the FTC ( see 15 USC 41, et seq. ),.
Consumer complaint received 2016-07-09
Product: Prepaid card — Other special purpose card
Issue: Managing, opening, or closing account — 
Company: Blackhawk Network Holdings Inc. (OR)

I own a XXXX vehicle eligible for the XXXX fuel economy rebate program managed through a company I believe is called Blackhawk. I had a card that expired with a balance of {$230.00}. The paperwork with the card when it was received stated the card could be issued within 5 years of expiration by calling the phone # XXXX. 
In XXXX 2016 I contacted this number, spoke with " XXXX '' who told me my card would be issued within 30 days. 
On XXXX/XXXX/2016 I called because I had not received the card and was told I needed to " wait longer '' as it could take up to 8 weeks. 
On XXXX/XXXX/2016 I called again because I still had not received the card and was told the card had been issued on XXXX and I should have received it. I was advised the card would be reissued. My address was confirmed multiple times with each call. 
On XXXX/XXXX/2016 I called again because I still have not received the card and was told the issue had been " escalated '' on XXXX. I asked if the card was reissued as I was told on XXXX/XXXX/2016 and was told " Yes '' but apparently had not yet been mailed. I asked when it would be mailed and the agent stated he did not know and I would need to " wait longer ''. 
It has now been 4 months or more since I initially called, Blackhawk was reluctant to give me their company name, and is repeatedly unable to confirm any details about when this card will be received or what is causing a 4 month delay. 
I would like the CFPB to assist in the reissue of this pre-paid card in the amount of {$230.00}. 
Thank you for your help, XXXX
Consumer complaint received 2016-06-23
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY (IA)

I applied for an XXXX card under a promotion for a bonus of XXXX of their Membership Rewards Points after spending {$3000.00} on the card. I have spent over {$5000.00} on the card, and the Membership Rewards have posted to my account, however, when I tried to transfer them to my XXXX account as XXXX to complete an award ticket transaction, XXXX told me that the points were " under review. '' I called their fraud department and they said that there is no investigation ongoing in my account. I called their Membership Rewards line and was told that it would be 6-8 weeks for resolution. My points had already been " under review '' for nearly 5 weeks, yet my card works, and the website indicates that I have over XXXX miles that can be transferred. No indication from XXXX that any problem existed with the points. When talking to a membership rewards manager, she told me that XXXX was freezing the points for everyone who applied for the offer, and there was nothing she could do. Its frustrating because XXXX is holding the last XXXX award business class seats for me to XXXX for only the next 12 hours, and after that I will lose them. XXXX holding my points hostage without notification is going to cause me to lose nearly {$9000.00} in airline reward tickets. They should have notified me that there was a review ongoing, instead of pulling out the rug from under me. According to the membership rewards manager, they are doing this to everyone. This is going to cause me to lose {$9000.00} in airline tickets and ruin my vacation plans.
Consumer complaint received 2016-11-11
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Paramount Recovery Systems, L.P. (TX)

The debt of {$21.00} was paid directly to XXXX account through the XXXX office. XXXX at XXXX confirmed that I in fact had a zero balance. I called Paramount Recovery at XXXX on XX/XX/2016 @ XXXX AM and spoke with XXXX who informed me that she spoke with their client and they told her I had an outstanding balance which was not the case. I explained that I had just gotten off the phone with them and they confirmed the zero balance. She insisted that I still owed the paid balance so I offered to conference the billing dept from XXXX in but XXXX declined my offer.
Consumer complaint received 2016-06-23
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: Neighborhood Title Loans I (TN)

On XXXX XXXX XXXX I applied for a {$600.00} Title Loan. I was told I would pay back {$730.00} which would include interest. I have not missed a payment and have even paid a few dollars extra. Then on XXXX XXXX XXXX I made {$140.00} payment and I have paid a total to date of {$590.00}. And, when asked about the new balance I was told it is now {$500.00}. That means if I pay it off in XXXX XXXX, I will be paying a total of {$1100.00} to have borrowed {$600.00}. And, if I do n't pay it off then, which I ca n't because I am XXXX on a fixed income, so there is no telling how much more interest I will have to pay. And, this is not the first time I have had to borrow money on my car, a XXXX Chevrolet Cavalier with them. Before they let me have {$2000.00} for the same car in XXXX XXXX. The time pay period before did n't last long because I paid them off with the money my deceased brother had left me and I still ended up broke, because the interest rate was so HIGH! Sometime we as XXXX need to take these loans out so we can do a few extra things before we leave this earth. But, why do they have to take advantage of us like this. We have worked hard all our lives and all we have now is a small Social Security retirement check. Please help us out. Thanks.
Consumer complaint received 2016-09-10
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO. (MA)

On XXXX XXXX, 2016 Chase wrote regarding Case number : XXXX : When we were notified of this case, we sent you a letter letting you know we received it. Although we began researching your concerns right away, we need more time to complete it. Please expect a letter from us when we have an answer. Thank you for your patience. 

This is yet another lie by Chase, when Chase was notified about this case, they did not send out a letter, they, in direct violation of Regulation Z and TILA initiated dunning calls. Chase did acknowledge receipt of the letter in numerous communications, thus they can not claim they did not receive the letter. 

In the aforementioned complaint a direct request was made of Chase to provide documentation used to make a decision, Regulation Z and TILA both require a response within 30 days, at a maximum, or the account to be provisionally credited. Chase did neither. 

The fact that the executive office of Chase is openly and directly violating Regulation Z and TILA in a response to inquiries on a CFPB website is troubling. 

I would also like to thank the CFPB for Chase would have never responded to my questions without your assistance.
Consumer complaint received 2016-07-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: AFNI INC. (IN)

COLLECTOR FAILED TO DISCLOSE DATE ON RIGHT TO DISPUTE/VALIDATION REQUEST LETTER. THIS BEHAVIOR IS DECETIVE AND MISLEADING THE CONSUMER IS A VIOLATION OF CFPB-PROHIBITION OF UNFAIR, DECEPTIVE, OR ABUSIVE ACT. ( DODD-FRANK WAL STREET REFORM AND CONSUMER PROTECTION ACT. SEE ATTACHED. ALSO, XXXX NOTORIOS FOR SENDING THEIR DEBT TO COLLECTION AGENCIES PRIOR TO VERIFICATION OF DEBT PAYMENTS.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AZ)

I've complained about being a victim of identity theft. You must remove any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$2000.00}
Consumer complaint received 2024-10-14
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. (OH)

A while ago I noticed that there were so many things on my credit that I can not even begin to guess where these fraudulent accounts came from. So, I requested validation ( in the form of the original contracts ) from the bureau for each fraudulent account so that I could actually get to the bottom of who was using my identity and to also get this information removed. I sent in a letter and a FTC report just like the bureau requested 2 months ago and I still havent received any original contracts, or the method of verification, who they spoke with at these companies and the information is still on my report
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Im requesting your help with this incorrect account reflected on my credit report. Ive flagged this issue because its been detrimental to my reputation, and I need your assistance. The poor handling of my credit report has severely affected me, as this incorrect information has harmed my reputation. You must correct these mistakes so I can live peacefully with my family.
Consumer complaint received 2016-09-11
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC (IL)

I am a Veteran. I Applied for mortgage loan with Quicken Loans in XXXX 2016. Was advised that FHA was best route for me to go based off fees and current market interest rates and my credit at the time. Was advised and lead to lock in interest rate to protect against possible market decline. But was assured if rates and market got better i would be able to take advantage of best situation. Sign a lock rate disclosure that expired on XXXX XXXX 2016 XXXX XXXX 2016 came and went loan not closed still processing. Mortgage market rates got lowered i was informed i was still locked in at previous higher rates due to an AUTOMATIC Rate Lock Extension ( never expressly disclosed or implied in any documents i had signed or received ) This AUTOMATIC rate lock was be expire in 15 days it did not. It AUTOMATICALLY extended for an additional 15 days then an additional 15 days then a additional 15 days. I inquired with several at QUICKEN my loan officer ( it just the way it is ) his supervisor ( this is the way we always do our rate locks ) and a customer solutions specialist ( aw i see where this could be confusing to a customer but this is the way it is ) At no time did anyone address that fact that this process of AUTOMATICALLY extended rate lock and not a allowing consumer to take advantage of better market pricing as a result of it addressed by anyone at Quicken. Please let me know if i am the last one to the party. As i feel that this practice is a violation of truth in lending laws and possible predatory lending practices as the bank have you at their mercy.
Consumer complaint received 2024-10-14
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. (FL)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section XXXX ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the XXXX  this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.