davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-08-05
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Radius Global Solutions LLC (WI)

I called to contest the validity of the debt. The collection agent, XXXX XXXX, Operator ID XXXX, indicated that she would not indicate that I was contesting the validity of a debt unless I " proved that I did not owe it '' and that " the company will document that you owe the debt and it will just go back to collections. '' I felt this was misleading, coercive and abusive and in violation of my right to contest an invalid claim of debt against me. I am being charged by XXXX for a month of service when they never connected me, and I cancelled. This operator, instead of marking my account as dispute, attempted to strong arm me into paying even though I had just explained that I would not pay for services I never received. She talked over me, interrupted me, and misrepresented my statements rather than file the dispute as she is supposed to. I spoke then with her supervisor, XXXX XXXX XXXX, who also misrepresented the sequence of events and indicated that I had simply flatly refused to pay rather than validly disputing the debt. He later relented, but only after he raised his voice, talked over me, interrupted me repeatedly, and took a very condescending, offensive and abusive tone.
Consumer complaint received 2015-11-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: LEXISNEXIS (OK)

I repaired my credit in 2008 as it had incorrect information - wrong names, social security number, employment history, etc. Now, XXXX plus years later I have completed a loan application but can not complete the signing of the application because I can not answer the security questions. The loan firm is ( XXXX ) who uses ( XXXX ) who in turn uses the LexisNexis database. Apparently the credit agencies did not update LexisNexis with the proper information so I can not get the final approval for my loan. I now have a hard search on my credit for nothing due to the misinformation in the LexisNexis database.
Consumer complaint received 2015-09-08
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO. (CA)

We purchased an apartment XXXX in an apartment complex named XXXX and received a loan from JP Morgan Chase Bank in XXXX. We have been paying the mortgage through the up and down of the market, including the financial crash in XXXX without even being late on any payment. After the crash, I contacted the bank and tried to see if there is a way we could refinance then, but was told that I have stop my payment before the bank would even talk to me, which would result in ruining my credit. I refused to do so. 

In XXXX I tried to refinance the mortgage through XXXX, a mortgage broker. After submitting monthly statements of my personal and business account for over a year, I gave up as it was n't going anywhere. I contacted Chase Bank directly in XXXX and submitted all the required documentation. They checked my credit XXXX and sent me a copy of their report indicating that my credit score is XXXX. However, after 3 months of checking everything, I was told that my application was rejected due to the XXXX credit report. I do n't know since when credit report of XXXX is ground for rejecting refinancing a loan that the same bank also has a10 years of payment history. 

On XXXX our payment will be 3 times as much and PJ Morgan knowing that we would do anything to keep our credit clean, they want to charge us 3 times as much on the loan that they have a 10 years history of payment rather than refinancing the loan for us. 

To us this is an unfair practice and would like to know what are our rights in this process and what it is that your office can do.
Consumer complaint received 2015-10-26
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA) (NJ)

I co signed loans for my XXXX children through NJ Class. We got into billing disputes regarding unsent billing and other billing errors. We 've made monthly payment but its not what XXXX says we owe. We 're paying the loan, we just disagree on the amount. Now they are attempting garnishment.
Consumer complaint received 2015-09-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Holloway Credit Solutions (GA)

Violated provisions outlined under the FDCPA [ unfair practices-15 USC 1692f ]. 

Holloway Credit Solutions in XXXX AL has been making illegal attempts to collect a debt from a minor, according to the verification information they have provided with last XXXX of social and birthdate. 

This debt does not belong to me and information about someone born XXXX/XXXX/1997 can not legally be reported to the credit bureaus. 

This account needs to be removed from my credit file.
Consumer complaint received 2015-10-25
Product: Credit card — 
Issue: Advertising and marketing — 
Company: JPMORGAN CHASE & CO. (GA)

Dear Sir or Madam, In late XXXX / early XXXX this year, my renewal membership fee hit my British Airways Visa Signature credit card account and I was hesitant to keep my card open as I do not fly British Airways a lot and I was not sure whether it was worth keeping open with the fee. 
After speaking with a representative for XXXX minutes, he convinced me to keep the card open because of its numerous benefits including the ability to earn XXXX point per dollar spent. In his own terms, " this is a major selling point '' of this credit card as most other cards only earn XXXX mile per dollar spent. Following this conversation, I kept the card open and immediately paid the {$95.00} annual fee. 
Fast forward exactly XXXX days and the main perk of this credit card is cancelled. On XXXX XXXX, I received notification from Chase that I would now earn XXXX point per dollar spent on the credit card. Chase did not even try to offer me something in exchange, like an improved benefit. Nope. Nothing. I would have to bear this devaluation with nothing in exchange despite paying the annual membership fee. 
I mean, this was the number XXXX benefit of this card as no other airline co-branded credit card offers more than XXXX mile for dollar spent. And this, just 45 days after I spent time with a representative who convinced me to keep this card and pay the annual fee to keep this perk. 
In any case, I find that very unethical on Chase part. This is really a bait-and-switch game where customers are misled about the benefits of the card, are enticed into paying a membership fee to get the benefits, only to be disappointed later that those benefit no longer exist. I lived up to my part of the contract and I paid the annual membership fee. I was expecting Chase would do the same. 
My disappointment with Chase can be observed in my spending with this card. In 2014, I spent over $ XXXX with this card. This year, I put my card on the drawer following this change and have not used it since late XXXX when changes went into effect. This is my way of protesting these unfriendly business practices and after all, I can use my XXXX XXXX XXXX credit card. 
Still, I feel that I have been cheated and this is why I am writing. I am writing to get compensation for this. I paid the annual fee that promised me a specific bonus. But I have not been able to enjoy what I paid for. In addition, Chase changed the term of the contract a mere XXXX days after I spoke to a retention specialist, implying that he knew about the impending change but decided not to tell me about it. I think this behavior is unethical. 
My regards, XXXX XXXX
Consumer complaint received 2015-09-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (GA)

Based on the Fair Credit Reporting Act, Section 1681c as it relates to dismissed or withdrawn bankruptcies, the law clearly states from " date of adjudication '' or " date of order for relief ''. 
A bankruptcy dismissed or withdrawn no longer exists and the case filed was never adjudicated. Accordingly, Section 1681 ( a ) ( 5 ) of the Fair Credit Reporting Act states the bankruptcy reference must be deleted from my credit report. I referenced the law in my letter to the credit bureau and they have refused to remove items from my credit report.
Consumer complaint received 2015-09-07
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (FL)

Wells Fargo, servicer on my primary home mortgage, has made repeated, unauthorized hard inquiries just months apart that have affected my credit score. I have never been late on a mortgage payment in the eight years since the loan originated. I did not apply for a refinance or modification of the loan, although I have received numerous calls and letters from Wells Fargo suggesting that I do.
Consumer complaint received 2018-01-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (LA)

On XX/XX/XXXX, Chase changed our monthly mortgage payment from {$1200.00} to {$1200.00} without any prior written notice or an escrow analysis. Chase misapplied our XX/XX/XXXX mortgage payment that was sent by USPS certified mail on XX/XX/XXXX and our XX/XX/XXXX mortgage payment that was sent by USPS certified mail on XX/XX/XXXX. As of XX/XX/XXXX, Chase has not provided an escrow analysis for changes to be made to our escrow payments.
Consumer complaint received 2015-10-15
Product: Credit card — 
Issue: Billing statement — 
Company: DISCOVER BANK (NY)

There is a huge difference between my balance displayed online. My XXXX spend shows a balance of {$15000.00}, while the online balance with no transaction description of charges sums up to {$35000.00}. This is a huge discrepancy of {$20000.00}. Which may be possibly explained by the following : Discover Card issued back credits that were rightfully mine in the amount of {$21000.00}, off a sudden out of no where, they recharged me back. These are the following items I have documentation that states the cases were settled in my favor : XXXX XXXX # XXXX {$1600.00} XXXX XXXX XXXX {$2200.00} XXXX {$2200.00} XXXX XXXX # XXXX {$1900.00} XXXX {$2700.00} XXXX XXXX {$350.00} XXXX {$150.00} XXXX {$3800.00} XXXX {$600.00} XXXX XXXX {$130.00} XXXX XXXX {$400.00} XXXX XXXX XXXX {$830.00} XXXX XXXX {$460.00} XXXX XXXX {$60.00} XXXX {$720.00} XXXX XXXX {$130.00} XXXX XXXX {$240.00} XXXX XXXX {$190.00} XXXX XXXX {$500.00} XXXX XXXX {$400.00} XXXX XXXX {$370.00} XXXX XXXX {$340.00} XXXX XXXX {$230.00} XXXX XXXX {$460.00}
Consumer complaint received 2015-04-02
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Optimum Outcomes, Inc. (FL)

Debt collection agency hired by XXXX XXXX XXXX for services rendered on XX/XX/XXXX. I called XXXX and requested a copy of the itemized bill in XXXX and did not receive it. I did not get a call, or any additional information until XX/XX/XXXX from Optimum Outcomes XXXX XXXX XXXX, Set XXXX XXXX, NC XXXX XXXX Collection Agency. I then called our XXXX XXXX who sent over the samples to be tested, and they stated that XXXX claims they sent the itemized bill. My concern is how does this agency not validate a debt before posting on our credit report as required by the F.D.C.P.A. The bill has been paid in full, on XX/XX/XXXX, the damage the credit report was done, and they do not want to take any responsibility for not following up on our request for itemized bill.
Consumer complaint received 2015-08-05
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY (TX)

My installment loan through Wells Fargo has always been paid on time with no issues for the life of the loan. In XXXX 2015 I was locked out of my on-line account and could not resolve the issue or log-in. Therefore I was not able to make my monthly loan payment on time as I always have. Prior to XXXX days late, I finally spoke to someone in person ( their automation system is horrible both on-line and via phone if you do not know your account number, etc ) and told them I mailed a check and asked specifically about it being reported late. I was told that it was noted, not an issue and I did not need to worry about it. 

A few days later I got a credit notification that I had a late payment. I immediately called Wells Fargo and had them reset my online account and paid again, effectively XXXX-paying for XXXX. I complained to my agent and asked to speak to a supervisor ( which I was hung up on ). After calling back I was told that there was nothing they could do and said to contact the credit agencies. 

I have tried disputing the fraudulent claim on my account XXXX through XXXX without resolve. I am desperate to have Wells Fargo fix their error as this lowered my credit score over XXXX points and I am in the process of building a home. They had the audacity to call me and ask if I wanted a car loan! 

This is my last step prior to seeking legal action against Wells Fargo and/or the credit reporting agencies.
Consumer complaint received 2015-09-08
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company (NC)

We were going to refi with our mortgage company, they lied to us about charges, we cancelled. they said we would have NO charged repeatly. We have a {$30.00} charge that I 've called every month for 3 months now to get taken care of. They give me the run around, XXXX department says I have to talk to the other and vice versa, no one seems to know whats going on. Refi department says we will not have to pay it but customer service needs to fix it. customer service says we have to talk to refi. then we get the same run around. month after month I call and then get the same run around and the charge is still on my account.
Consumer complaint received 2015-06-19
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (IL)

Dear sir/madam, as I was going through my credit report on XXXX and XXXX few months ago, then I noticed a negative report on my credit. The negative report was from a Company called MIDLAND FUNDING LLC any time I dispute the account, they kept sending a letter at my home address saying they investigated the dispute and notice it was mine. First I have never had any account with MIDLAND FUNDING. Second, They have to explain which address I was living when I acquired this dept. .I do n't know how they got my social security and my date of birth because I know I have never had any account with MIDLAND FUNDING or any of it affiliates. 
I am requesting that MIDLAND FUNDING LLC or any of their affiliates should remove such negative statement from my credit report
Consumer complaint received 2015-05-13
Product: Credit card — 
Issue: Delinquent account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I have a Neiman Marcus store credit card, which I believe is provided by Capital One. I enrolled in on-line statements. I have a personal shopper who occasionally orders items for me to be shipped to my home, by my request. I requested my shopper to purchase a couple clothing items for me, but they were on back order. A month or so later, the order processed and the charge was posted to my credit card account. I had completely forgotten about the order and did not access my credit card account over this period as I had not shopped at the store and was n't expecting any charges. Over this period of time I did not receive any courtesy notices that a charge had gone unnoticed or unpaid on my account. On XXXX XXXX, I received my quarterly credit monitoring report and saw that Neiman Marcus credit card had posted derogatory information about me as a late payer. I immediately logged into my NM account and saw that there was a charge that was past due. I paid the balance immediately. I was shocked that derogatory information was posted to my account without them at least once trying to contact me to remind me of the balance. AFTER that information was posted, I received ( XXXX days later after my credit monitoring report ) a past due balance reminder. At this point the damage was done. My credit score went from high XXXX 's down XXXX points. I have no other derogatory information on my credit history - nothing. I wrote to the NM credit department ( as they do not take - or apparently make - calls ). I sent them a copy of my credit report to show them that they were dealing with a person of high credit standing. They sent me a proforma letter saying they would not reverse the derogatory information. I later called customer service and closed my credit card account and they did not even ask me why. They closed it in about XXXX seconds. I refuse to let this go without them removing the derogatory information and changing their collection practices to include a reminder before submitting derogatory information.
Consumer complaint received 2015-10-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aspen National Financial, Inc. (GA)

My ex-husband and I owned real property. In our divorce, he was awarded the real property. I signed a QuitClaim Deed to him for my interest in the property. He failed to pay the condo association dues for the real property. The dues were sent to a collection agency. I only learned about this when I saw an account in collections on my credit report. I contacted the collections agency via telephone and certified mail and informed them that I did not own the property and was not responsible for payment. I also sent them XXXX the recorded QuitClaim Deed and the divorce decree. My ex-husband has since paid the dues, however the collection agency refuses to remove the account from my credit report.
Consumer complaint received 2015-11-29
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I have sent multiple letters to this deceptive collection agency and they have REFUSED to send me any proof of a debt ever existing that they have reported on my credit reports. they ask ME for proof which makes no sense at all! They are reporting an verifying unvalidated information on my credit reports. I have written letter after letter since XXXX 2015 with nothing other them them responding with their name, rank and social security number! I want billing records, a contract, not a paragraph telling me they own a debt without one bit of proof that they purchased any debt nor that the debt is mine in the first place.
Consumer complaint received 2015-10-15
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America has been withholding XXXX {$100000.00} of transactions in our merchant account for our business, XXXX XXXX XXXX. 

Information was requested by their risk department ( XXXX XXXX XXXX ) regarding transactions, upon which we provided XXXX verbal confirmation and faxed in invoices and customer information. 

This department continues to request information which they already possess. Examples of this would be financial information ( they are a bank ; they have all my financial records ) and business venue information XXXX they already know the address, website url, etc which was provided when establishing our account. ) This is not only borderline harassment, but they continue to withold our daily disbursements from sales.
Consumer complaint received 2015-06-18
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

I filed extra charging complaint against Bank of America XXXX Bank of America refused send and showed my rent check of XXXX with sad icons on check because of I do not like Oregon resident on Bank of America paper check, Please Release rent check with sad icons must release information to U.S. XXXX at formal requests to male attorney allows looking at sad icons at formal requirement meeting with me in confrontation.
Consumer complaint received 2015-09-08
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc. (CA)

I paid my mortgage online at XXXX with Caliber Home Loans on XXXX/XXXX/2014 for XXXX payment. They did n't apply payment til XXXX XXXX which was at 31 day period. They have me as a 30 day late on the credit bureau. I submitted my payment well enough time for them to issue credit. This is not my fault my payment was submitted on a thursday they do not need that many days to apply payment. It was done online in there system. I have begged them to correct this 30 day late on my credit report they have now said that if they change it, they would be in violation of the laws made up by the credit reporting fair act. I 'm so mad.. its dropped my score so low, and I was n't late. Im attaching the proof of when I did my payment. I did n't read the date on there they were crediting the payment, I did n't feel I was in any jeopardy. I see it now but again I do n't feel they are right. I want this late removed from my report please help me.
Consumer complaint received 2015-10-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (ID)

I have disputed this with Experian twice now, the account that is on my credit report was my father 's account and I was only an authorized signer. My dad filed bankruptcy and that account was signed off in that bankruptcy. There is no proof that I was anything but an authorized signer on the account.
Consumer complaint received 2015-10-24
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

In late XXXX, I travelled to XXXX to attend a conference and speak to college students about XXXX. In so doing, I left my debit card at the hotel for their file. Upon leaving -- a week later -- the hotel charged the wrong card ( mine ), as opposed to the university card. The charges appeared on the XXXX and were put in process to be reversed the same day. I requested a receipt on the XXXX, which will be attached. The hotel charge was fully refunded by the XXXX. I contacted Bank of America to make sure I would not receive overdraft fees on the XXXX. They were to make a note of it. Instead, I received XXXX overdraft fees on the XXXX -- stemming from the original charge and subsequent fees -- totally {$100.00}. I just got off the phone with them and, after going through other personal account business, they told me they could not deal with the overdrafts because they could no longer confirm my identity. I then repeated my name, as appearing on the website, and the teller in deposits XXXX, apologized and placed me on hold. He said there was no record of the overdrafts, and I expressed concern that he could see hte record I was seeing via my statement ( attached ). He then said I my name was incorrect and I could not be helped via phone. Apparently it does n't match the name on their file -- however, this was not the case a week ago, and my information on the online banking matches exactly what my name is, and how I said it, and how it appears on my card. It seems that they were able to handle all questions and business about my account except my fee reversal request. They are now telling me to go into a floor office to confirm my identity in their files and handle the overdraft. However, these offices do not handle overdraft fees.