davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-08
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (AZ)

I filed bk a year ago and have been able to see my accounts online for chase the entire time and in  XXXX  f last year my attorney faxed in a letter to them saying I could get statements and year end tax items as well and until yesterday I was not able to see my account online for some reason. I called chase they told me due to the new conversion on their system is why I cant see them now and I am not able to pay on line anymore as I have been doing every month from my chase account. they say my bk is not  discharged  when It is they acknowledge they have the discharge but now want a " termination letter '' from the court which takes years to get done. all I want to do is pay my account like I have been doing since  XXXX , on time and in full each month never late. they told me to mail in my payments, this is not secure and I have no way to know they got there or are being applied because I cant see it online like I normal do from my account. no one wants to help me and this lady I spoke to on  XXXX / XXXX / XXXX  named  XXXX   XXXX  who was a manager was the most condescending person I have ever spoken to, I am being discriminated against because I was forced into a bk. they keep loosing letters my attorney send them saying I can get statements or they can speak to me and it cost me money every time it has to be resent to them they are unprofessional and unkind.
Consumer complaint received 2018-07-10
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: HUNTINGTON NATIONAL BANK, THE (MA)

XX/XX/2016, hard inquiry listed on credit report without knowledge ( XXXX XXXX ) XX/XX/2016, hard inquiry listed on credit report without knowledge ( Huntington N ) XX/XX/2016, hard inquiry listed on credit report without knowledge ( XXXX XXXX ) I checked my credit report and did not give my permission for hard inquires from any of these companies
Consumer complaint received 2018-07-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (FL)

I have attempted to have this debit removed from my account since XXXX, which was originally belonged to XXXX XXXXXXXX XXXX XXXX, FL. I contacted XXXX hospital and had found out that My ex-wife had went to the hospital Emergency room and those were her bills.. My ex-wife and I haven't spoken since XXXX.. The hospital agreed that those debits didn't belong to me and removed what I thought all of the bills of my name. However, few years later I was connoted by Common Wealth Financial Systems requesting me to pay the debit. I sent them my information and informed them that issue XXXX XXXX learned that those bills didn't belong to me. Common Wealth Financial, were very unprofessional and were always threatening toward me. I have attempted to have it removed by the hospital but the stated the debit was sold to Common Wealth. I provided Common Wealth with my information so the can match it with whatever forms they have in their records such as original documents or and signatures by the person who went to the ER. But at no help. I have contacted and spoke to several managers at Common Wealth like XXXX XXXX extension XXXX at XXXX and others no help but very nasty attitude and threatening demeanors. 

I have disputed matter with all Credit Bureaus, and Common Wealth claims it was validated. Very confusing how it can be validated if it wasn't mine nor my name or identification on any documents. I even requested them to provide me the HIPAA signed form to show it was me, Common Wealth Financial failed to do so. 

several calls since XXXX to XX/XX/XXXX email XX/XX/XXXX also recently I emailed this person with Common Wealth XXXX regarding this and nothing was done as this person promised. 

Finally, Common Wealth Financial Refused to remove this debit after so many attempts knowing its not mine!
Consumer complaint received 2018-09-29
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC. (NJ)

I have sent about 3 or 4 letters to all 3 credit agencies about verifying the account listed on my credit report by the name NAVIENT, I have no idea who Navient is, I have asked the credit agencies to send me a copy of the original contract, with my signature on it to verify that this account belongs to me, they wont sent it to me, I have also sent two certified letters to the company Navient and they never responded to me at all, I asked the credit agencies how are they verifying this information if the company wont even respond to me, I was told that they verifed it electronically, I asked to be sent what was sent to them, I was hung up on, that was XXXX, XXXX, XXXX the same thing saying it was verified but not sending me any proof, they all tell me to contact Navient. I am clearly being ignored by Navient I have sent two certified letters to them and not one answer at all. I have sent certified letters to all three agencies XX/XX/2018, XX/XX/2018, XX/XX/2018, all at the same time. XXXX XX/XX/2018, -- XX/XX/2018. All letters were sent certified mail Navient is reporting that the high balance is XXXX charge off amount XXXX if this is true why cant you send me proof of this, the law states that a account must be verfied 100 % if it is being reported on your credit report, this is clearly not being done, these agencies feel like they dont have to comply with the law I have spoke to them on several occasions tonight XX/XX/XXXX XXXX, they didnt care about proof at all. I have all the letters that I have sent out if you need them I will mail them in to you.
Consumer complaint received 2018-07-11
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: EQUIFAX, INC. (NC)

I have already contacted XXXX XXXX XXXX several times via secured message as well as phone calls on throughout the month of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Sometimes numerous of times trying to get this resolve. 

I have several inquiries on my accounts within days apart or within one week apart. Some stem from one auto loan request that the representative claiming my credit would not be ran or impacted because it is all within one month. And these were simply appeals and they other ones were not authorized by me at all. 

I have inquiries that were not authorized for XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX
Consumer complaint received 2018-07-11
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. (TX)

I sent 3 letters requesting the bureau to investigate the inaccurate reporting of several items below : - XXXXXXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX - XXXX XXXXXXXX XXXX XXXX - XXXX XXXX   XXXX
Consumer complaint received 2018-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: American Credit Acceptance, LLC (VA)

In direct retaliation against me for escalating my concerns with their abuse of me as someone who received a predatory loan from them - documented in complaints XXXX, XXXX that American Credit Acceptance company has refused to provide response to, ACA continues to harass and file false legal complaints against me as well as provide falsification of records and information to the credit reporting agencies. I have it well documented through electronic record in their systems as well as my recorded phone calls with their representatives that I repeatedly advised them that I was requesting a voluntary repossession and that it should be reported accurately upon voluntary surrender of the vehicle. For months on end ACA ignored me, refused to communicate with me and falsified records when I had no choice but to file a complaint with the CFPB because of their refusal to allow me to voluntarily surrender the vehicle. They have filed reports and statements to the credit reporting agencies stating that the vehicle was involuntarily repossessed ( all of my records, recordings and data prove otherwise ), along with them seeking action to recover {$31000.00} from me. ACA is attempting to bully and silence me as they do other customers into dropping my complaints and organization into a class action lawsuit against their company for unfair and deceptive predatory lending practices, falsification of records and financial abuse of their customers and failure to provide any response to my repeated attempts to have them retrieve the vehicle. Even now, they refuse to provide response to the CFPB. Further investigation into their practices and data records is needed to validate the abuses they have taken against me. Their representatives and management team orchestrating the actions against me are adept violating the regulations and laws meant to protect customers from the crimes ACA is committing. A review of their data records and all internal correspondence requested by the court will validate the information contained in my complaint along with the document upload I have provided that demonstrates their falsification of records and false reporting to the credit reporting agencies.
Consumer complaint received 2018-07-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CMRE Financial Services, Inc. (GA)

I have this notification on my Credit Report as a Negative item ... .That was reported by a Debt collection Agency called CMRE FINANCIAL SERVICES for the amount of {$810.00} I sent them a Debt Validation letter and they never replied with a verifiable signed validation document to proof i owe the debt. Or anything from the original Consumer Contract with my Signature on it I have this Negative report on my XXXX  and XXXX  Credit Report. I have contacted the Credit Bureau by sending them letters to get it removed and they keep replying by saying the debt is accurate without no proof of verifiable signed validation document from the original Consumer Contract with my Signature on it.
Consumer complaint received 2017-06-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: DISCOVER BANK (CA)

Around  XXXX     2015, Discover had a  promotion : open  a new Discover card acc ount and get 20 % cash back for all  XXXX  spendings through the end of  XXXX   2015. Total cas h back limit is {$2000.00}.   In response to the promotion, I opened this account in  XXXX  and spent over {$10000.00} on the card through  XXXX . Howeve r, Discover  only credited my account for a total cash back of {$520.00}.   Subsequent multiple phone calls to Discover customer service only resulted in promise of someone will call you back and take care of it. But no additional cash back posted to my account and no phone calls either.
Consumer complaint received 2018-07-10
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: EQUIFAX, INC. (GA)

I disputed every negative item on my credit report, I also provided accurate information for the reasons why I'm not liable for those debts according to the law, I'm full aware that all these corporations, including this very one I'm utilizing for the complaint is using a name not associated with me, I've stated I'm not a ALL CAPITAL LETTERS CORPORATION or 14th Amendment Citizen, I'm a free XXXX National, most of those debt collectors aren't a party to the matter, they brought the debt from the original creditor, I never signed a contract with any of them, and for your organization to confirm anything from those debt collectors is fraud, because they're using a name similar to mines, who isn't me, I've also reserved my rights ... UCC 1-308, I've quoted HJR 192, and only Congress can coin and make legal tender, Credit is not legal tender, I have grounds to sue these debt collectors or any organization who uses my name without my consent, and committing fraud.
Consumer complaint received 2017-06-08
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ProCollect, Inc. (TX)

I got in touch with the better business bureau and was told that procollect the debt collection agency is not accredited also I was procollect sent me a copy of my lease I never signed a lease with them I have no idea if they are a real company I 've asked them numerous of times to please quit harrsing me  XXXX  was very rude and told me to pay them what I owe them so that they wo n't call anymore she has a very nasty attitude hangs up in your face their saying that I left the apartment complex nasty which I have pictures I 've tried to send them and they refuse to look at them I asked them to remove this off my report that I do n't owe them anything and they refuse to the apartment complex which is the   XXXX   XXXX   in  XXXX  tx I was living in and was paying rent to housing the landlord  XXXX   XXXX  was n't reporting my full payment I do n't have my receipts to show any proof anymore so she messed me and other tenantsat the   XXXX   XXXX   XXXX   over
Consumer complaint received 2017-06-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Franklin Collection Service, Inc. (TX)

I have repeatedly requested verification and validation of this account with noresponse from the data furnisher. i have also sent in notices and a copy of my FTC identity theft report to advise them that this is a fraudulent account yet they are still reporting it to the credit bureaus.
Consumer complaint received 2017-06-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (CO)

I am tired of trying to fix problems with Navient f/k/a XXXX XXXX. I have spent cumulative weeks on the phone with their customer service over the last 8 years. Most of whom do n't even understand you because they do n't speak XXXX. And when you finally get through to them they ca n't help you because they are n't authorized. Enough is enough. <P/>Recently I noticed that I have the same {$6.00} unpaid fee appearing on my monthly statements. I pay the amount every month, and it never goes away. The statement does n't explain what the fee is for. But I keep getting charged over and over. It never disappears. From XXXX 2016-current ( the only statements available online ), that adds up in 8 months to over {$50.00}. For something that should have been {$6.00} and that I do n't even know what its for.
Consumer complaint received 2018-07-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (CO)

American Express is charging not only late fees but also delinquency fees right on top of the late fee. At just over 2 % of the balance, the delinquency fee can be 2 or 3x that of a late charge plus you still get charged the late fee. I was also informed that they would not guarantee that they would not charge a late fee on a balance that is only the amount of previous late fees. Essentially late fees on late fees. This account has a heavy volume of usage and American Express receives large payments at least monthly if not more often.
Consumer complaint received 2017-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I submitted a request along with proper documents and information to Transunion to correct my personal information on file on  XXXX   XXXX ,  2017 . I recently received copy of statement for my credit report which confirms this information has not been updated. I contacted Transunion and spoke with a representative who stated that he could not correct this information but in fact I would have to contact all my creditors and have them to update this info  rmation when they are reporting me. As stated previous the documents that were submitted included my updated SSN information and an updated driver license to confirm my name change. My personal information is currently inaccurate and I would like to have this corrected.
<P/>
Thank You
Consumer complaint received 2018-07-10
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. (FL)

TODAYS DATE:XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, GA XXXX Experian Dispute Department XXXX. XXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXXXXXX XXXXXXXX XXXX XXXX XXXX-XXXX XXXX XXXX   XXXX  Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 




XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2018-07-10
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Fairway Independent Mortgage Corporation (AZ)

I applied for a VA loan from Fairway Mortgage and endured an overwhelming disregard for accuracy in processing the loan and resulted in my Real Estate Broker questioning the loan processing. During this time it was falsely disclosed to my Broker that my rate was set higher due to a prior default on a VA loan. This is blatantly wrong on two counts the first of which it would be a violation of the Fair Credit and Reporting Act to disclose any information from my credit file and  secondly to fail to disclose to me, borrower, reason for a higher rate. Lender refused to acknowledge a violation and continued to delay my loan closing.
Consumer complaint received 2018-07-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: WELLS FARGO & COMPANY (FL)

Todays date:XX/XX/XXXX XXXX XXXX XXXX XXXX. SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, FL XXXX WELLS FARGO CARD SERVICE Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious WELLS FARGO CARD SERVICE I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX  District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX XXXX XXXX XXXX. SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX , FL XXXX