davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO. (IL)

OnXX/XX/XXXX I called Chase/XXXX credit card ending in XXXX to close the account.
Instead of closing the account like I requested, Chase/XXXX sent me a replacement card, which I received on XX/XX/XXXXin the mail.
On XX/XX/XXXX I called Chase/XXXX and spoke to supervisor XXXX at Chase, and asked her why I received a new credit card in the mail, when I asked for the account to be closed, ending in XXXX.
I received a new card ending in XXXX.
She told me that card was sent because " we said we were victims of identity theft ''.
I told her that was incorrect, we said to CLOSE THE ACCOUNT.
XXXX said she would close the account on XX/XX/XXXX.
Today, XX/XX/XXXX I received a credit bureau monitoring alert that another card was issued, ending in XXXX. I called Chase today and spoke to XXXX, and asked her why a second card was issued, which appears on my credit bureau report.
She told me she did n't know why another Chase card was issue, but now the account is closed. She said it appears every time I called to request the account be closed, it automatically issues a new card instead!
I told her I was very upset that Chase does NOT WANT TO CLOSE MY ACCOUNT, and I have to call 3 times to get my account closed.
This reminds me of XXXX XXXX, where they open up unauthorized accounts ....
This is the reason for filing this complaint - this must be stopped.
Consumer complaint received 2017-09-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: WELLS FARGO & COMPANY (FL)

Keep getting phone calls from a company wanting to lower my interest rates on credit cards for wells Fargo Chase XXXX XXXX XXXX XXXX XXXX XXXX. I do not have any credit cards. Also was called wanting to take out an extensive warranty on a car I do not own. How do I resolve these issues?
Consumer complaint received 2017-09-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (MD)

Between the months of XXXX through XXXX, I have been back and forth with each of the credit bureaus and the collection company concerning a collection debt that is being reported. Each time I disputed this debt it came back verified, however, each time that I 've requested validation and/or verification they have failed to do so. On two different occasions I 've received letters from the collection agency asking me submit documents. This has become a hassle because I 've been disputing for months and yet they have failed to submit the necessary documents for me to move forward. Please see the attached documents that I 've received from Convergent Outsourcing. One document even alleged that this was fraud, all I 've asked for was proof that this alleged debt in fact belong to me and they are able to collect on it. Which they have failed to do. Also, my name and home address are listed on the documents.
Consumer complaint received 2017-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (GA)

I have reached out to Equifax about my credit report and the inaccurate information. There were a decrease in one of my accounts and the score went down instead of up. I 've opened a new account a loan to help build my credit and no score increase. This breach have really affected me and my ability to purchase a home. They are not reporting accuracies.
Consumer complaint received 2017-09-16
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ad Astra Recovery Services Inc (TX)

In accordance to FCRA Section 609, these accounts was  further disputed in XXXX, XXXX, XXXX, and XXXX 2017. Ad Astra Recovery did not respond to initial dispute within 30 days as allowed by the FCRA. All dates in which I have stated I do not have account with AD Astra Recovery.  They have continued to report inaccurate information. In accordance, they are bound by FCRA to remove alleged debt from that is being reported. It is now XXXX XXXX, 2017 and past 60 days when these accounts were initially  disputed. Ad Astra Recovery Service has continued to attempt to collect debt that they know is not valid and not able to be verified. Multiple disputes in regards to this issue have been filed over this, including a previous dispute with CFPB. In addition, Ad Astra Recovery closed the account with XXXX than it was reopened. They have blatantly broken the law as they relate to FDCPA and FCRA guidelines. On more than one occasion, I have tried to resolve this issue with them but they are refusing to follow the law in regards to this issue. The accounts need to be removed. They also stated that documentation was mailed to me which is false. Nothing since they placed the account on my reports has been mailed to me. The second issue is that it had been has been proven that the accounts are not valid, no information was provided to verify this account. They state that they are about professionalism but it is obvious that they are not. They have been deceitful, dishonest, and unprofessional in the manner that they have handled this issue from day one. I  feel that the only course of action is to file a civil suit which my attorneys have drafted up and will present with my signed petition on XXXX/17. I am tired of dealing with this company and this issue. I will also be filing a complaint with the Attorney General as it is within my rights. They have made this process long and hard. Also they could not verify definitively that the accounts are mine and that they belonged on my credit. This is what I mean by dishonest and unprofesisonal business ethics and practices. They have cost me money in this process of disputing with them and this is getting out of hand. They stated that they have a right to collect but they indeed DO NOT by rights and provisions provided to consumers under FDCPA and FCRA. This harassment and blatant disregard for the law is what is have me want to seek damages from Ad Astra Recovery with filing legal suit against them.
Consumer complaint received 2017-09-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY (NY)

My XXXX and I have an American Express XXXX card since XXXX and we have always made payments on time. My credit limit was {$9500.00}. 
About XXXX month ago, my card was declined. When I called Amex, they informed me that someone had used my name to obtain an Amex business credit card and had made large purchases. I asked them to start a fraud investigation and they informed me that they had already done so. 
On XXXX/XXXX/XXXX, Amex sent me a letter informing me that they had taken necessary steps to close the fraudulent account and remove derogatory information from my credit report. 
I have made a number of calls to Amex to find out the latest situation but have been transferred from XXXX department to another but without any resolution. 
Yesterday, XXXX/XXXX/XXXX, I tried to use my card again but was declined again. I called Amex and once again, I was transferred to XXXX department to another but without any firm response. All I was told was that my credit limit had been reduced to {$3000.00} for reasons not explained to me. 
I have been a loyal Amex customer and do not know why my credit limit has been arbitrarily reduced.
Consumer complaint received 2017-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (LA)

I have made several contacts with Experian concerning my credit report update and score. Each time I have to request a new confirmation number. I have been unsuccessful in reaching out to them concerning my credit score over the last week which has not increased since clearance of debt on my account. Apparently it is remains in the lowest 600 or high 500 while the ratings from XXXX and XXXX  are now in the upper 700! I spoke with both XXXX and XXXX to verify after receiving a XXXX score from XXXX XXXX which was a combination of all 3 scores verifies that Experian has not updated my credit score. There are no liens, later payments excessive debt on my account to warrant such a low outlandish score!
Consumer complaint received 2017-05-09
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: TD BANK US HOLDING COMPANY (MD)

We was miss advise on how to received a line of credit for our company!!! The underwriter advise us to make a partner 90 % owner of the company so that he would added as the primary on the loan because his credit was stronger. After doing so he sent us back to the same branch where the  Asst. V P of that branch had the second contract already completed for and ask my partner to just sign it ... ....     After 2 days the underwriter call and said he was not going to be able to approval the loan, but he was not going to denied the loan ... ... ... ..     So we are now losing several major projects and money!!!!!
Consumer complaint received 2018-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

On XX/XX/18 I discovered XXXX XXXX collections account had been re-inserted into my credit file. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. Please delete this item immediately.

I took care of this almost two years ago. It was deleted from all 3 bureaus. This is fraud.
Consumer complaint received 2017-05-09
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SUNTRUST BANKS, INC. (GA)

In XXXX XXXX, I contacted Sun Trust with respect to a loan from Sun Trust Bank that I co-signed for my granddaughter ( XXXX XXXX ) and offered a proposed settlement. On XXXX XXXX, XXXX, I received a letter from Sun Trust rejecting my extremely fair settlement offer of {$52000.00} ( original loan {$39000.00} ; interest as of XXXX, XXXX of approximately $ XXXX ) over a period of 14 months. On XXXX XXXX, XXXX, I wrote to XXXX and Trust explaining the reason why I was making the settlement - which included my age and health situations, and that since my granddaughter would not be able to make payments, it was my desire to pay this amount and not have to worry about additional interest later on or my ability to make those interest payments. I filed a complaint with this office ( CFPB ) within the same month ( File # XXXX and XXXX ). Sun Trust responded to the complaint I filed with your office and on XXXX XXXX, XXXX, I received a letter from XXXX XXXX, Vice President, Client Advocacy Management Office rejecting the offer made in my XXXX XXXX, XXXX letter. On XXXX XXXX, XXXX, I wrote to XXXX XXXX asking for reconsideration but have not received a response. A copy of this letter was sent to Sun Trust 's  corporate office and to CFPB. Despite XXXX 's promises, she has never made any payment on this account. In approximately two weeks I am scheduled for XXXX  XXXX and face approximately one month or more of extreme XXXX and XXXX. For 3-6  months I will have XXXX XXXX and I do not want to make any decisions - financial or otherwise during that time. Because of this situation with Sun Trust, I am unable to move on to refinancing my current mortgage because of the defaults listed by Sun Trust ( the only negative on my credit at this time ). My  mortgagor has advised me that my mortgage will likely increase to more than {$2000.00} per month (  which I will be unable to pay ) unless I am able to refinance. These are only some of the reasons I am asking Sun Trust for consideration but Sun Trust has one intent only - to charge and receive interest that would put me in terrible hardship. Based on the rate of interest I would never be able to pay off this account during my remaining lifetime. The total now due is $ XXXX ( {$7000.00} in interest added since XX/XX/XXXX ) and at this point I will not be able to make interest payments only or monthly payments period.
Consumer complaint received 2016-09-28
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY (CA)

I have a Wells Fargo checking, savings and business checking account. I want to complain about Wells Fargo 's manner of charging outrageous fees one on top of the other, in order to get more fees than they are supposed to collect for a balance overdraft. Additionally, I went to change my " overdraft protection plan '' several weeks ago and the website acted like it changed it but never did, so I received more overdraft fees ( I tried to make it so that when you use the debit card, it simply would not go through, rather than go through for a XXXX dollar purchase, triggering a {$35.00} fee, for example ). It also seems like money went missing from my personal checking account on several occasions, but i ca n't seem to track down exactly what happened. i do n't believe it 's fair to charge over XXXX in fees for a few small transactions that went under XXXX, especially when I 've been a customer for a long time and always refresh the account so when on occasion it dips low, it does not stay that way for long. I 'm out of work and looking for a job, so theses fees have caused me to not even be able to purchase food or gas for my family.
Consumer complaint received 2016-09-28
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC. (TX)

Currently trying to resolve a property claims issue with Pennymac that has been ongoing for 28 days with absolutely no response from them or resolution. Our home was involved in a Natural Disaster in XXXX 2016. We are currently at a stand still on our home repairs and have leaking roofs that continue to get worse due to the lack of response and resolution from Pennymac Loss Draft Department. After 15+ phone calls to them for a release of additional insurance funds to move forward on to the final step of roof repairs for our property I continue to get the same response that a request to release another XXXX of the funds has been submitted and will take XXXX5 business days for a response. To date every phone call ends the same way with the Rep indicating they do not see where the request was submitted and they would send the request and I would receive a phone call within XXXX-48 hours. Still no phone calls from Pennymac at all and no closer to a resolution. I continue to be told their process is to release funds at XXXX at a time after inspections. However, I have explained every time that the XXXX process does not work for my property loss and repairs. I have explained to them over and over to look at the Insurance itemized claim, it clearly shows I 'm at a stand still on repairs. To even get to the next step in roof repairs it requires the majority of the remaining insurance funds to be disbursed. My primary damage was roof damage. House roof and damage has been repaired and next step is all the detached property repairs which is all metal roofing and XXXX body/piece of work. For some reason no one at Pennymac can understand what is needed and continues to not execute on any of my phone calls to date. I had to cancel a contractor today simply because I ca n't get anywhere with Pennymac. With every rain that comes while dealing with pennymac there is more damage to my property where the roofs continue to leak. This is absurd. We have insurance coverage and yet ca n't get my repairs complete. Will have more damage and I expect XXXX will be responsible. I have submitted all the documents Pennymac requested on each phone call but yet nothing has been done to assist. I have exhausted all efforts with Pennymac and asked to escalate today XXXX/XXXX/16. Spoke to an Escalation Rep who also provided the same information. Supposedly a request for the needed funds was submitted today, however, the request is only as good as XXXX. approval for the release. At this point I will submit a complaint with Regulatory from every XXXX available for assistance. I hate to think how many other XXXX XXXX are, or have gone through this with Pennymac.
Consumer complaint received 2018-02-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CONTRACT CALLERS INC (IL)

I have an outstanding balance of {$1200.00} originally from XXXX XXXX XXXX XXXX XXXX. I was unable to make the original payments because I was living with XXXX roommates that didn't pay me for their portion of the gas bill. I've called the gas company and the only resolution offered was a payment plan. I haven't yet been able to enroll in the payment plan due to a current financial hardship. I'm currently in collections for this debt from CCI ( Contract Callers ).
Consumer complaint received 2017-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

In 2014 my wallet was stolen with all my identity inside i went to XXXX police department and filed a report then had to go to social security office and also report it and they told me that if anything comes on my credit after that date it would not go on my credit and i had been fighting this with all 3 credit agencies and they have been ignoring me please help me and remove this from my credit. here is the number XXXX the company is XXXX
Consumer complaint received 2017-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

There is an inquiry that just reported which was never authorized nor do I owe any apartment debt. I 'm requesting this be removed XX/XX/2017 Inquiry Creditor Type : Other Collection Agencies AlertDate:XX/XX/2017 Creditor Name : XXXX XXXX XXXX Creditor Address : XXXX XXXX XXXX XXXX XXXX, FL XXXX Creditor Phone : ( XXXX ) XXXX
Consumer complaint received 2017-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In 2014 my wallet was stolen with all my identity inside i went to XXXX police department and filed a report then had to go to social security office and also report it and they told me that if anything comes on my credit after that date it would not go on my credit and i had been fighting this with all 3 credit agencies and they have been ignoring me please help me and remove this from my credit. here is the number XXXX the company is XXXX
Consumer complaint received 2016-08-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (GA)

Experian is not reporting account # XXXX with the correct limit. I have XXXX XXXX Credit Card with a XXXX limit. This is information is not being displayed and is affecting my credit score. Please have Experian to fix this issues ASAP.
Consumer complaint received 2023-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (LA)

Recently I investigated my credit report in which I found inaccurate, unverifiable, and questionable items that your agency did not make sure it was 100 % correct. 
In accordance with the fair credit reporting act, everything on credit report must be 100 % accurate. Under 15 US code 1681e ( b ) and US code 1681 ( 5 ),, these accounts are in violation of not reporting 100 % accurate. 
These are the accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-06-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Automated Collection Services, Inc. (TN)

On XXXX XXXX, XXXX I paid a debt owed to my previous apartment complex because my current leasing company would not rent to me until the debt had been satisfied in full. It was somewhere around {$1800.00}. I do n't remember the exact amount. I paid via money order which I do not have a copy of as this was years ago and I did n't think that I would need it. I am currently looking to move as my lease is up and I saw the same debt had been sent to collections. As stated, I do not have a receipt but I do have e-mail correspondence between my current leasing company and I from XXXX XXXX when this debt was satisfied that states they could not rent to me until they received verification from my old apartment complex that the debt was paid in full. I also have the e-mails stating that they received that verification and that my application had since been approved. The debt collector that I am dealing with is refusing to take this off of my credit report unless I have an actual receipt. There is no way that I can re-generate a receipt that I no longer have and they are stating that they refuse to accept anything else to show the debt has been satisfied. I am a single mother with a XXXX year old child and no one will rent to me with this being on my credit report and I absolutely refuse to pay it again. Can you please help? I was advised by an Attorney that they must accept other forms of correspondence. Thank you.
Consumer complaint received 2016-08-16
Product: Debt collection — Auto
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Synergetic Communication Inc (MD)

First The say The original creditor was a company called XXXX or XXXX. Have never had any kind of loan through either of the companies. I have never signed with either of them. The letter states " This debt is too old for you to be sued on it in court as the statute of limitations has expired, and you ca n't be required to pay it through a lawsuit. ''