davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-07-29
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: JPMORGAN CHASE & CO. (IN)

I received a notice that my private JP Morgan Chase student loan was being moved to XXXX ( XXXX. At the time I paid my account ahead before it was moved. My first bill from AES had a XXXX balance. My second bill, slipped my mind and I paid it 3 days late ( I paid over double what I owed for the month ). My payment was due on the XXXX, and I paid on the XXXX. 

Yesterday XXXX/XXXX/15 I received a collection letter from the XXXX XXXX, in the amount of {$15.00}. 
XXXX Ref # XXXXCreditor : JP Morgan Chase Bank , N.A . 
Loan Balance : $ XXXXPast Due : $ XXXXI called Chase to verify why I received a collection letter and they said they would have to connect me to XXXX. I called XXXX and the XXXX XXXX, and was told that the collection letter that the XXXX XXXX sent was not really a collection letter, but an attempt to " reach out '' for me to make a payment and that it would not go on my bureau. 

The collection letter was actually sent on XXXX XXXX, 3 days after they had received my payment, and I was current at the time. 

I feel that this letter was an attempt to harass or scare me, which it did. I work hard to keep my credit bureau clean and this was a very distasteful way to contact me about a payment that was just 3 days late. Furthermore, I did not receive a phone call for being late, rather the collection letter was automatically sent per the agents I discussed the matter with at the collection agency and XXXX. 

My university was XXXX XXXX, in XXXX, Indiana
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (IN)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXXXXXX BALANCE {$9400.00}
Consumer complaint received 2015-07-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Convergent Resources, Inc. (IL)

On XXXX XXXX, 2015, I received an alert from a credit monitoring service that I subscribe to that I had an open collection with Convergence Outsourcing Inc. for the amount of {$290.00}. I immediately contacted Convergent and spoke with XXXX XXXX, who informed me that XXXX had sent this account to collections. He stated that I had cable services at XXXX XXXX XXXX XXXX, XXXX, IL. I explained that I have never lived at that address, nor did I ever have services. I explained that I have never received any correspondence notifying me of any debt and this is not my account. I 'm in the process of purchasing a home and ( this account that does not belong to me ) could possibly ruin my chances of becoming a home owner. 
I then called XXXX at XXXX and spoke with XXXX. I provided her with my address and she stated that there was no record in the system. I then provided her with my social security number and she again confirmed that there was nothing in the system except for my name, I asked her how does one get services she said through social security number, she too said that this was very odd. My question is how did this credit collection agency get access to my credit file and destroy it if there is not an account in XXXX system belonging to me? 

Convergent has destroyed my credit, my score plummet XXXX points, and I 'm in danger of losing everything that I have worked so hard for to purchase my first home. My credit file was in great standing. I have no knowledge of this account. I need this account to be removed immediately. This company is using deceptive practices and ruining my credit score and credit file. 
I 'm literally XXXX days away from purchasing my first home, and this negative mark on my credit may have destroyed my dream, thanks to this fraudulent company and their disregard for FCRA. 

I just want this information removed. I have worked to hard to maintain my good credit for this collection agency to take it from me.
Consumer complaint received 2015-10-07
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CITIZENS FINANCIAL GROUP, INC. (ME)

About a month back, I called customer service at Citizens Bank and asked for help with getting into my credit card account. It turned out that they would need to send me a replacement PIN for the account. I was told 7 to 10 bussiness days. That date has come and gone twice over. 
I have gone to the BBB and received little from customer service, in the direction of conflict resolution/customer service. 
My suggestion was : A rep from customer ser. of XXXX. Bank can send me a personal email and ask me what is needed. Soon after all would likely be on the up and up ... 
Yet they decided to respond by saying that they would send something to me " snail-mail '', which could very well be ~ & gt ; the " issue ''. 
At present, as of today, as far as the BBB is concerned - & gt ; XXXX. Bank has " addressed-the-issue '' ... Weak ... And that describes " customer-service '' at Citizens Bank ... 
Will you help le get this PIN? Once I do, I will be able to use this credit card, if needed ... 
Professionally, XXXX. XXXX XXXX XXXX XXXX
Consumer complaint received 2015-05-04
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Resurgent Capital Services L.P. (NY)

this is the same complaint ive been complaining about and since my wages will be garnished I will have to file Chapter XXXX ... in XXXX a XXXX dollar line of credit with XXXX then sold to XXXX XXXX went into default due to a termination of my job thru no fault of my own ... I told my boss about my XXXX and he began taking work away from me and giving it to less skilled workers ... with that XXXX and this issue is adding unneccesary stress in my life ... at that time of turmoil with no money and house payments and truck payments and pets and other bills and food XXXX XXXX reps were calling me harassing me telling me the sheriff will be at my house soon to take my house and that i will go to jail ... they called me at off hours and i was an emotional wreck and they didnt help ... .I didnt find substantial employment until XXXX and i had to pay family friends and other things back ... so in XXXX lvnv on behalf of XXXX XXXX has the courts issue me a summons ... XXXX XXXX was bought out by XXXX in XXXX of XXXX so why is a bottom feeder who buys debts for pennies on a dollar representing XXXX XXXX sueing me when they dont even own the debt? i answered the summons i got in XXXX pro se which i have a right to do and requesated proof of debt, ownership of debt and how much the debt was actually bought for ... I hear nothing back so i figured the issue was mute. I got another XXXX in XXXX and believed it to be a scam from lvnv funding to get money from me so I ignored it. then i get a court ordered wage garnishment. I responded to the courts and explained that i thought it was a scam and again requested proof and also to vacate the judgement as it would incure an financila hardship. I heard nothing back from the courts. I contacted the nys attorney generals office, the garnishment from XXXX stopped. Then they started again last XXXX. Then they stopped and now theyre starting again. The original amount was XXXX dollars, now its well over XXXX. The account went into default in XXXX that would make it past the statute of limitations. I am not going to pay them this amount of money especially when they bought the debt for less than XXXX. I will file chapter XXXX.
Consumer complaint received 2015-04-14
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CAVALRY INVESTMENTS, LLC (AZ)

I see a company reporting that i owe adebt of XXXX for something i do not know of. This is not mine and require proof of contract that i signed or proof showing this is mine. This is not my debt. Please have this company remove from my credit. Thank you
Consumer complaint received 2015-03-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Malcolm S. Gerald and Associates, Inc. (FL)

Received a call from this debt collector. They demanded paperwork that they refused to provide and refused to offer an alternative when informed that I could not fill out said paperwork or even find it. When I requested assistance, all XXXX persons spoken to refused to provide it and refused to provide any information on any XXXX assistance. They also refused to accept proof of XXXX and refused to make any accommodation stating that the phone was breaking up on my end ( and that they had " perfect phones '' ) and they did not understand me, but responded to statements easily and only claimed phone problems when I was attempting to explain my problem with them. They also heard all other dialogue excepting what they did not wish to ( e.g. that the amount they were demanding was a fraudulent transaction ). No names were given, when I indicated that no classes were taken nor permission to initiate what the representatives called a " loan '' the statement was ignored. I stated this XXXX times. In addition, no letters were sent indicating this debt even existed or that I had the right to dispute it. All XXXX representatives also threatened ( not stated, but VERY clearly threatened ) to not only report the debt if not paid today ( XX/XX/2015 ) but that the report would ( NOT could, but would without any doubt ) prevent me from obtaining a " mortgage, loan, credit card, and even cable/satellite '' in those exact words. Finally, the recorded portions of conversations were partial and started at varying ( and terribly convenient ) times. 
The company provided only the name " Malcolm S. Collection '' and additional information was requested but never provided. I requested no further contact from them but XXXX additional pre-recorded calls were made after the request.
Consumer complaint received 2015-06-07
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (FL)

This has happened a few times now ... I am unable to make the payment on time, and less than a week later I start receiving an unreasonable amount of calls from Citi for payment. The calls come around every XXXX hours, every day ( even weekends ) until I make the payment. When viewing the account, the card has been assessed a late fee and the balance simply shows the accrued amount ( 2 months plus fee ) is due on the next due date. I have asked in the past for the calls to stop and state I will make the payment as soon as I am able ( my next pay check ). The phone agent simply says that the calls will stop after payment is made, and then the calls resume the following day. The practice of Citi is to harass a customer to make the payment, no matter the circumstance.
Consumer complaint received 2015-08-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

Equifax continues to report a XXXX credit card on my credit report as an authorized user. I want this to come off my report as I am not responsible and not an authorized user of this specific XXXX account. I have requested this twice over the past XXXX months and this account is still showing up under my report. 
There should only be XXXX XXXX Bank Credit Card on my credit profile and not XXXX! XXXX is mine and my obligation while the other is NOT my obligation and should be removed ASAP.
Consumer complaint received 2015-05-04
Product: Credit card — 
Issue: APR or interest rate — 
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I recently requested a {$6000.00} courtesy check from Capital One to use the 0 % 12 month APR to finance a central air conditioner repair. I was aware of the XXXX % fee and was comfortable with the fee. I received the statement listing the " Balance Transfer '' on my statement ; however, only an amount of {$2100.00} was listed in the 0.00 % Special Interest section of my statement. I " overpaid '' the monthly charges by taking the New Balance, which included the fee, and subracting the {$6000.00} and then adding an extra {$500.00} to the payment to start chipping away at the {$6000.00}. I received my latest statement and was shocked when I saw interest charges totalling {$15.00} on my bill and the 0.00 % section on my statement now listed {$6000.00}. I called Capital One directly to understand what happened. I spoke with a respresentative for over 45 minutes while she tried to figure out what happened. She placed me on hold several times so she could speak to her manager to get a better understanding. With each explanation I could state, based on what she told me, I still should not have to pay interest. At first she stated my payment went to the lowest interest rate balance first, which I stated is very unfair and deceptive as payments should be made to the highest interest rate balance first. I eventually asked to speak with her manager after she wanted to speak with him for either a third or fourth time. The supervisor came on ( expected a manager ) and he stated the grace period was waived once I requested the courtesy check and I would have to make a payment of all charges, even after the statement date, to forego interest charges. I would like to point out with this explanation, I would have to access my account online and then overpay that amount to guess what my upcoming charges may be so I do n't have to pay interest on any charges. I find the fact the initial representative could not explain to me what happend on my bill to support my claim of unfair and deceptive marketing and practices by Capital One. The supervisor did tell me I was told these terms when I requested my courtesy check and I informed him I had to ask the representative to slow down and repeat herself on several occassions and then I recapped the terms to make sure I fully understood what I was getting into. I did not recall the waiving of a grace period for charges. The supervisor stated he would review the call and get back to me no sooner than this Wednesday since he would be off the next few days. I called into Capital One on a Saturday afternoon ( XX/XX/XXXX ). I am expecting a call this Wednesday to hopefully put this matter to a close. I was on the phone with Capital One for over an hour and the item is still not closed. Depending on how this issue is resolved, I may end up paying more in interest which in effect turns the 0.00 % APR into 12.90 % APR, plus the XXXX % fee.
Consumer complaint received 2015-11-24
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (IN)

In order to even dispute an issue with Equifax they require : a valid drivers license, a XXXX or social security card, and a current utility bill with a current address all within 24 hours. All of this information must be sent to Equifax within 24 hours of the dispute via fax or mail with the XXXX digit confirmation code. This requirement creates an unjust and unfair business to the consumer and only makes it more difficult to file a dispute for incorrect information. Having already validated all of my information and provided my social security number and personal information, this is only to prevent consumers from filing disputes. Some consumers might not have access to their XXXX 's or social security cards ( I do not have mine ) within the 24 hour time period. This is a situation that needs to be looked into.
Consumer complaint received 2015-07-29
Product: Credit card — 
Issue: Transaction issue — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have a credit card from capital one so in XXXX 2014 I made XXXX dollars over payment to my capital one credit card by mistake after one week I recieve e mail from capital one told me in 7 to 10 buisness days I we 'll recieve my money back by check but I never recieve it I call the bank the told me we not gon na send u that money because ur account it 's restricted I do n't know why I said if u want to close my account send me my over payment money the told me u have a credit balance in ur card but we can not send u the money the ask me to send some document and after that the said we can not send the money I went to court to make a small claim the told me to go to this website to make a complain
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : * XXXX XXXX XX/XX/XXXX * XXXX XXXX XXXX XXXX XX/XX/XXXX Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.
Consumer complaint received 2015-10-09
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: WELLS FARGO & COMPANY (WI)

Well Fargo has repeated called my ex husband multiple times a day claiming my payment was late when I had confirmation from my bank that it was on time, and when I called WF back they confirmed that it had indeed been on time. They also delete online accounts XXXX if they are not accessed every ninety days, but do n't tell you this will happen, and then take two business days and a manual process to reenable accounts, and they refuse to provide statements/paper account summaries. They repeatedly confused my SSN with that of my ex husband, and repeatedly lost my email address -- the same one I 've had for years and which they 've also used to contact me.
Consumer complaint received 2015-10-06
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: BBVA FINANCIAL CORPORATION (TX)

In XXXX, a withdrawal was debited from my checking account each month by a name unknown to me. The withdrawals were suspicious because the amount of money and the dates were different each month. After several months of this I called my bank to tell them I did n't recognize these charges. I was told that I would have to contact the payee in order to stop it because I was the XXXX that authorized it. I could n't find any contact information on the company and did n't know what to do. I eventually filed a dispute and had to close that account in order to stop the debits. During that year this fraudulent company had taken a total of {$630.00} from my account. The bank reimbursed me for XXXX of those debits as well a XXXX notices admitting that it was the banks error. They would only reimburse me {$110.00} of the {$630.00} that was taken. After opening the new checking account I began accruing Over Draft Fees. It became like clockwork each month XXXX day before my retirement check of a mere {$480.00} would be eaten up by these fees. During XXXX XXXX - XXXX XXXX, I was charged {$1600.00} for Overdraft and Insufficient Funds. Since then, I have gotten so far behind that it 's impossible for me to pay all of these fees and catch up. They have charged me at least another {$3000.00} in Overdraft fees since XXXX XXXX. I am attaching a letter that I had my attorney write to them and the documents with proof. 
It is because of their error which they admit to, that caused the charges in the first place. Please help me get my money back!
Consumer complaint received 2015-07-29
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: SLM CORPORATION (VA)

I tried to file for repayment deferment based on my XXXX student status as a XXXX. student with The XXXX, XXXX, XXXX, XXXX XXXX. Even though the school has no electronic code ( the main reason SallieMae refuses to grant my deferment ), which XXXX universities do not have, the following fact is obtain from XXXX, XXXX paragraph down : The XXXX is also one of only three XXXX XXXX higher education institutions to gain accreditation in the United States of America by the Middle States Commission on Higher Education , [ XXXX ] an institutional accrediting agency, recognized by the United States Secretary of Education and the Council for Higher Education Accreditation. I intent to file a lawsuit against SallieMae, and to publish bad publicity about this loan institute. The lack of an electronic code is completely irrelevant to this case. All that matters is my XXXX status at a XXXX university in the United States, even if the university is headquartered in XXXX, XXXX, XXXX.