davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-11-06
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO. (DC)

Regarding Chase case number : XXXX, Reference number : XXXX ( credit card charge-back ) : Chase Bank has been complicit to one of its customer 's theft and extortion, to which I fell victim. Chase Bank assisted one of its clients, XXXX XXXX, to initiate a credit card charge-back related to the purchase of an expensive high-end iPhone ( the most expensive model, 6Plus, XXXXGB ) under the pretext that the item would be " not as described '', notably months after an online sale was finalized. However, ( i ) the item was exactly as describe, ( ii ) receipt of the item was confirmed both through USPS online tracking and ( iii ) the buyer himself, ( iv ) the buyer also confirmed in writing that the item was as described and gave me ( the seller ) the highest possible XXXX star rating online. I provided all documents to XXXX, which correctly assessed that this is a case of " buyer remorse '' and instructed Chase to cancel the charge-back. Astonishingly, Chase refused to comply with XXXX instructions. The online platform that facilitated the saleXXXX ( an XXXXlike sales platform selling phones ) also sided with me and barred XXXX XXXX from its platform and instructed him to return either the phone or the money, XXXX which he refused to do ( theft ). XXXX XXXX then asked for a payment of {$200.00} to return either, which constitutes extortion / blackmail. I informed Chase that their charge-back became the instrument of, first, a theft ( only through the charge-back the theft was possible ) and, secondly, the extortion / blackmail and that, knowing this, Chase Bank, becomes complicit to the theft and the extortion / blackmail. Chase Bank refused to follow up and refused to even give me a postal address where I could send in my documents. Having received all evidence and documents from XXXX and me and still refusing to follow up, Chase is becoming complicit of the criminal acts, which were only possible because of Chase 's charge-back. In addition, XXXX XXXX claimed ( in writing! ) that the Chase Banker gave him the idea of initiating this charge-back and executed it for him, which makes Chase Banks involvement and subsequent refusal to cancel the charge-back despite all the evidence presented XXXX, even more worrisome.
Consumer complaint received 2015-12-24
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I have told this company several times to stop contacting me. They are continuously calling me about a deb that is over 12 years old. They insist they can still keep calling me. The even had the nerve to harass me on XX/XX/XXXX. I told them the first time to stop harassing me and they told me it is not harassment. I will not continue to be harassed nor bullied by this company. My cell phone provider even considers them scammers and it automatically blocks the call and sends it to voice mail. I told them the debt is too old and to stop calling about it. I also told them I would be reporting them to The FTC and the representative did not seem to care I would be doing it and also stated that they can and will still pursue this ancient debt. I am a XXXX woman and I have a lot of problems. I do not need to be upset constantly by these people.
Consumer complaint received 2016-03-17
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I had a levy from a debt collector and law firm that is based out of XXXX, placed on my Bank of America Accounts. The levy placed was illegal due to I no longer reside in the state of XXXX, but do reside in XXXX and it is not within the statue of limitations. The levy was released, and only half my money was returned. BOA refuses to give me back a {$120.00} fee charged to my account when this action in the first place was not lawful
Consumer complaint received 2015-09-15
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: The CBE Group, Inc. (ID)

I continue to receive call from a company called CBE Group XXXX. The have left me voice mails telling me that they will issue a warrant for my arrest if I do n't return there call. They have contacted my family members and told them the same thing. They call my work and when I answer the phone they hang up. This is been going on for over a year now. The debt they are trying to collect on is from 2010 and was discharged in my bankruptcy in 2011. I have voice mails that I have saved on my phone and I have my family to testify to the calls that they have received. I spoke to them a few times and told them that this debt was discharged in bankruptcy but they keep calling.
Consumer complaint received 2015-12-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: HW Holding, Inc (FL)

I was Leasing a house with XXXX other roommates. Vacated the property on XXXX XXXX - started receiving letters months later from Hunter Warfield that I owed in excess of {$3600.00} after my {$1000.00} security deposit was applied. I never received written notice from landlord stating my rights as a tenant to contest charges. I have repeatedly asked for invoices as to the damage and have been hung up on, harassed when I am working and am badgered with lawsuits, being told I have to get an attorney and that my credit will be wrecked if I do not pay. No one is willing to verify that this debt is accurate and when asked for copies of invoices I am told to get an attorney. I am a XXXX year old XXXX XXXX student supporting my way and do not have the luxury of an attorney. XXXX Statutes mandate that I am to be sent a written letter explaining the charges, the reasoning my security deposit is held and my rights to dispute and I have never received anything like that. I am told that they have photo 's, but I have photo 's date and time stamped as well proving many of the charges were falsified. I was told also that the leasing company is too big to provide the invoices so I should get an attorney just to verify that these charges are accurate. The charges were reported the day I vacated the property - how a house can have drywall, painting, cleaning all in the same day I moved out is ridiculous. The removal of items that they are claiming as well charging me for, are in my friends garage so obviously the leasing company went to our house prior to our move out. These charges make no sense, I was never officially notified by the leasing company and the debt collectors Hunter Warfield have no proof that the debt is even accurate but are putting on my credit report. The only proof of any letter sent by leasing company was to my former roommate. There is nothing showing my name. 

This is the email sent when I requested invoices " XXXX, Your lawyer can request invoices, not you I can share the pictures of the damage you were charged for as I did with XXXX. You must dispute the charges with a lawyer. 
They are not that easy to get, this is the XXXX largest XXXX single family home company in the XXXX and all is in XXXX through XXXX. Just dispute with a lawyer and have him request. '' This does not seem fair or legal to just put blanket charges on an invoice and give to collection agency.
Consumer complaint received 2015-06-01
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

i submitted multiple accounts that were inaccurately reporting to my file to be investigated and corrected or deleted. Yet the agencies kept verifying the inaccurate accounts and illegal reporting as correct. They were not. especially in my case since i have filed for bankruptcy and the accounts were appearing as open/delinquent/active and in some cases with a balance. they information within the accounts were also incorrect. 
they keep verifying items as accurate and mine when they are not. i have received absolutely NO evidence of an investigation and the XXXX phone number they provide me contains no dial tone and i can not get through to any furnishers to see whether or not an investigation has ever occurred.
Consumer complaint received 2016-01-28
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: First Associates Loan Servicing LLC (WI)

My student loan was held by XXXX XXXX and was to be transferred to ATG. ATG said they did not receive my student loan. I need help to find the student loan. I ran my credit report, it does not show who is servicing this loan. The student loan has been " gone '' for almost 1 1/2 years.
Consumer complaint received 2016-03-18
Product: Mortgage — Home equity loan or line of credit
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO. (MD)

Chase bank was doing everything in their power through their XXXX XXXX XXXX, XXXX to avoid to settle on mortgage loan. I found this process very unethical and abusing. 
Under Maryland State law mediation is one of the option in foreclosure due process to meet with the lender or person representing the lender with authority to settle or be able to contact a person with authority to settle the matter at the time of mediation. This was extremely important for me to settle with Chase bank and come to agreement. Unfortunately Chase representative XXXX XXXX, an attorney from XXXX XXXX XXXX XXXX entered mediation without any authority to negotiate to settle, nor XXXX XXXX was on phone during the mediation even once. It was a conference like meeting which undermined due process. I am currently residing in the property and interested party, entered the mediation with full authority by Power of Attorney from borrower XXXX XXXX with all rights to negotiate and settle and was ready to negotiate with all supporting documents and fair settlement deal based on fair market value based on professional appraisal and guaranteed funds at the time of mediation with XXXX reputable witnesses, XXXX attorneys and widow of the judge from circuit court. We were hopping to meet with the party from Chase bank and lender with authority to negotiate and settle. Unfortunately it was n't a case as XXXX XXXX had no authority and suggested that we should submit our proposal for reviewing to the Chase bank. If XXXX XXXX had an authority to negotiate and settle as Chase bank is claiming why XXXX XXXX did n't exercise that power during the mediation? Why we are being told to submit our proposal to the bank? JP Morgan Chase is refusing to acknowledge this misconduct and denying my argument. I have XXXX reputable witnesses willing to testify if needed in this case. Mediator XXXX XXXX XXXX XXXX submitted inaccurate report " No agreement was reached '' to XXXX XXXX Circuit Court which adversely impacted my foreclosure case. The report should say " The lender failed to attend the mediation and/or failed to have access to someone with required authority to settle the dispute '' I strongly believe that this was misconduct in foreclosure process by Chase bank and by mediator of Office of Administrative Hearings XXXX XXXX XXXX XXXX. 
I believe this was unfair and unlawful. 
Circuit Court Case Number : XXXX XXXX Case Number : XXXX Foreclosure Medaition Date : XXXX/XXXX/14
Consumer complaint received 2015-07-16
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I went into Bank of America to make a deposit to pay on a bill. the deposit was for {$75.00}. Once I looked at the receipt, i noticed the last XXXX of the account number the teller deposited my money to did not match my bank account number. Apparently, she deposited the money to another account. I stated that I wanted the money in my checking account so I could pay a bill. This is obviously the teller 's mistake. She stated she could not change the deposit although she apologized. 

Of course I asked to speak to the manager, he said he would investigate. Investigate? Investigate that my money is not where I specifically told them to put it? 

Then I am told that the money was deposited to a CLOSED credit card BOA claimed that I opened in 2006. I have never had a BOA credit card, I applied but I was not approved. I asked for the credit card info- account number etc. I am told that since the account is closed, I can not get that information. 

1. I stated the money to be deposited to my checking account and it was not - BOA 's error2. The money was deposited to a credit card I do not own- I checked my credit which I subsequently pulled my credit report and I have never had a BOA credit card. 
3. So where is my money?
Consumer complaint received 2016-02-15
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: First Associates Loan Servicing LLC (AL)

I attended XXXX XXXX and did not qualify for an certain amount of aid so I was told they would provide a private lending loan. I was not fully aware that these loans can only be put into deferment for only six months after me graduating. I am currently in school and can not make these payments. This degree that XXXX offered does not qualify for any jobs these days.
Consumer complaint received 2015-07-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My XXXX previous disputes as TransUnion has considered All of them as frivolous, even with documented proof of Idenity and noterized documents with certified Letters. To this date TransUnion have not provided me with a written Letter of proof that All reported information is actually mine, instead TransUnion is relying on a third party for second hand information, never producing written proof of any signed documents with my signature on it with in a 30 day period as stated by Law ( The Fair Credit Reporting Act, ) but refuses to Totally Delete All Unverified Credit information that is not mine. TransUnion isi llegal and fraudulant reporting practices is severly crippling and hurting my ability to obtain credit with potential creditors to purchase a car or house for my family. This is disgusting and totally unacceptable.
Consumer complaint received 2015-07-15
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

We are in the process with Bank of America to try to save our house from Foreclosure ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Owner ) ... We finally decided to get lawyer after XXXX attempts with Bank of America went no where ( never received Fax 's, after having proof that they did receive all papers on time, we were denied because they claim they did not receive papers. Well now, we are here today at almost the very same issue with Bank of America ... .We were notified by Bank of America XX/XX/XXXX that in order to apply for Modification we would have to have all papers to them Faxed by XXXX XXXX 2015, which we did ahead of time ... ... now we received letter from XXXX XXXX that they will be handling all concerns regarding this loan as of XXXX XXXX 2015 ... How could this be? and how can it be legal while working with Bank of America, they decide before our original deadline to give over to some other company. I am pleading with you to look into this matter, we want to save our house and will do anything that we need to, but we are not being handled fairly, honestly or justly and this is criminal what this Bank of America is getting away with ... as a matter of fact the original loan came from Country wide, which was toxic in the first place ... .would like someone to look into this matter and help resolve this never ending nightmare ... ... Thank You XXXX XXXX XXXX
Consumer complaint received 2024-10-02
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: EQUIFAX, INC. (GA)

Improper use of my credit report. In accordance with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602, states I have the right to privacy, 15 USC 1681 section 604A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late foranypurpose.
Consumer complaint received 2015-06-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (AL)

My issue is i donot understand why my credit score is going down when i am paying my bills on time and have not tried to get credit from anyone. I called the credit bureaus to fine out why my scores was decreasing and i was told they could not tell me why. What she did tell me was i needed to have more credit cards. I could not close because of this. No inquiies have been made on my behalf. I am paying my bills on time or ahead of time. This is why i want to file a complaint on them. I see no reason why my scores should be as low as they are. I am trying to get this issue resolved so i can cloe on my home. Time is of essence. I am still paying my bills on time or before they are due. How could my scre drop so much in a month when there is no miss payments on anything. It is amazing how no one can tell you anything. Am i suppose to be homeless because of others not doing thier jobs correctly. I need to know how do you calculate my score if i donot pay my bill and many points is taken away but only XXXX or XXXX points is given when they are paid ontime or before time.
Consumer complaint received 2015-07-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: NRA Group, LLC (PA)

NRA collections company contact me XX/XX/XXXX, I received XXXX letter stating I had a debt. I contacted them and said that I believe it was paid in full. They said put the account in dispute. I never heard from them again. After calling them today, XX/XX/XXXX, they said that I asked that they do not call me, I do not recall that. They turned it to collections, reporting that they have tried to collect it for 7 months. I have never received a request for payment, they did not list on my credit report that this is " in dispute '' as they told me. 

They list it as " Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department '' I disputed it, never heard anything else, not one letter or phone call. Now on my credit report showing, very unethical business practices, very rude, very unprofessional. XXXX in the XXXX office was rude and unprofessional. They told me to put it in dispute, I did, and never once contacted me again with verification of debt. 

I requested Name, Address and License Number and they hung up on me. Three times. 

They do not answer their phones, transfer you again and again, hang up while on hold. I was asked repeatedly to be put on hold and no one ever comes back to the line. I was on hold for two full hours today. 

I never received written notice of the dispute verification within the 5 day allowance. 

They listed on my credit report that they have tried for 7 months to collect, they have not tried even once to contact me, and they can not be reached for questions/concerns.
Consumer complaint received 2024-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I would like to request a review and update all my credit reports in accordance with the information reported by XXXX, XXXX, and TransUnion. As of XX/XX/year>, XXXX have reported that i have no late payments on my account. I kindly ask that you update my credit report to reflect this accurate information, as it should align with the reporting provided by the above-mentioned agency. Please ensure that my credit file accurately reflects that I have not had any late payments and update it accordingly.
Consumer complaint received 2016-02-15
Product: Consumer Loan — Vehicle lease
Issue: Problems when you are unable to pay — 
Company: TD BANK US HOLDING COMPANY (MA)

I am filing this complaint against TD Auto Finance regarding a TD Auto Finance account that was charged off. I originally filed a dispute with Equifax regarding the date of first deliquency that was inaccurate on my XXXX credit file in XXXX XXXX. I disputed this 3 times with XXXX. The first results came back from charged off to " Pays as agreed ''. Confirmation # XXXX. It actually states date of last payment in XXXX XXXX. I disputed again requesting the date of first deliquency and the results came back as charged off again. I then called TD Auto Finance myself and they told me they are unable to tell me the date of first deliquency because their records do not go that far back. I again disputed with XXXX and the results returned back to " Pays as agreed ''. I looked at my XXXX credit report almost two weeks ago and XXXX has now reinserted charge off status. They never informed me in writing of the reinsertion. Now on my XXXX file this account shows in the 81 month payment history that the account was charged off XX/XX/XXXX, it clearly shows in the payment history that in XXXX XXXX there is a 60 day late. The line item section of the report states date of first deliquency was XXXX XXXX, but charged off XXXX XXXX. Makes no sense and is inaccurate. I called TD AUTO a second time and refused to help me. XXXX is blaming TD Auto even though it 's clear the information is inaccurate and refuses to delete even though it has passed time to fall off the reporting. XXXX reinserted a charge off status and never informed me of doing so. XXXX and TD Auto must delete this from XXXX immediately. See attahment regarding this very serious issue. In conclusion The date of first deliquency is infact in XXXX XXXX and was actually charged off XXXX XXXX ( See Attachment ).