davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: JH Portfolio Debt Equities, LLC (NJ)

In XX/XX/XXXX I had a payday loan with XXXX in the amount of {$500.00} - the APR at 390 %. Upon paying the loan I was told I received a loan in the amount of {$600.00}. I informed XXXX I received {$500.00}, and had their documentation to prove it. However, a few months later I came to realize payday loans were illegal in New Jersey or at best there were usury limitations which clearly XXXX had exceeded.. 

I had three payments debited from my bank account, and before the fourth I sent XXXX a letter stating Payday loans were illegal in NJ and also mentioned usury law, and at this time I was revoking my ACH withdrawals, but would repay the principal via money order - which I did. XXXX stated they were not governed by NJ Law, but is governed by the XXXX band of XXXX of ND, and the principal and interest would have to be paid even though there payments are mailed to XXXX, IL. However, I repeated what I stated in my previous letter to them, and continued to pay the principal balance. I soon received phone calls from their Customer Service Dept., stating I owed money and if not repaid ( principal and interest ) it would be turned over to their Collections Dept. From that point on calls I received from XXXX were identified as Fraud Dept. and the same goes for the emails I received ... Fraud Dept. Eventually, approximately three months later the calls stopped. 

Now, in XX/XX/XXXX I have received a letter from a Collection agency with their letterhead reading Credit Control , LLC in XXXX MO and the Creditor is listed as XXXX. The address listed for Credit Control LLC is XXXX, XXXX MO XXXX. Phone number is XXXX. There is n't any information on XXXX XXXX, XXXX - just listed as the Current Creditor, and XXXX as the Original Creditor. The debt owed on this paperwork is {$1000.00} which is simply not true. I see several online addresses on XXXX XXXX ( which I listed below ). Also, in researching XXXX XXXX it shows the BBB had downgraded to an XXXX in XX/XX/XXXX, and the FTC filed an injunction on XX/XX/XXXX 

XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX, FL XXXX XXXX, XXXX. XXXX, FL XXXX I 'm not sure who this company is or what name they do business under - or how they continue to do business. The FTC has filed an injunction against them and they have been downgraded to XXXX with the BBB, and list an amount owed that is untrue.
Consumer complaint received 2016-10-19
Product: Debt collection — Mortgage
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Dyck-O'Neal, Inc. (AZ)

I have a collection on my credit from Dyck Oneal. It is from an illegal mortgage foreclosure. I do n't owe what he says I owe. I do n't owe anything. Dyck Oneal is not licensed or bonded to collect in my state. I sent for validation of the debt but they never sent me anything, yet they continue to report this on my credit
Consumer complaint received 2016-08-10
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (MA)

I am asking for help with a financial hardship situation. I am a senior citizen, have no retirement savings, I am on medicare. I am on social security, and do self employment projects. ( more personal information sent as attachment ) I purchased the house in XXXX for {$180000.00} with XXXX mortgage and then in XXXX I refinanced with new century mortgage. There was a " bait and switch " scam in that the mortgage broker told me there would be " no points or closing costs " only to reveal at the last moment, {$16000.00} in closing costs. I had no choice but to roll that amount into the new loan of about XXXX. 

XXXX XXXX went bankrupt. XXXX XXXX XXXX have done a fraudulent sale of the servicing rights to GMAC. ( xxxxxxxxx, a foreclosure consultant at a non-profit said there was a fraudulent signature and documents at that point - also a " robo signature " on the document. See the government settlement with GMAC ) GMAC went bankrupt as well. 

I made payments to the various companies of about {$200000.00} in total since the home was purchased in XXXX. In XXXX the house went into foreclosure but that foreclosure did not happen. I have not made any payments to OCWEN since they " took over " the debt. There was a financial hardship in that I was diagnosed with XXXX in XXXX ( successfully treated ) and my employer wend bankrupt in XXXX. 

Apparently XXXX Bank was involved in a trust to bundle many " debts '' and their name was used to help OCWEN get the servicing rights to the debt. There is no clear chain of title. 

Ocwen has been paying insurance and property taxes. 

The house is in very bad shape. It has mold, bad plumbing, heat is a problem and there are structural problems. OCWEN 's property management company broke into the house on several occasions and damaged the door, windows, stole property, I believe, and moved the contents of each room to the center of the room. I called the police and notified them of the last break in. 

Apparently the value of the house is currently about XXXX. The land is worth XXXX and the house perhaps {$50.00} k. 

Because of the above I sent a " rescind letter '' to OCWEN. They did not respond in time but did respond saying they would not negotiate with me. 

I understand the debt could be rescinded but if not perhaps I could settle with OCWEN for the funds they spent so far, property taxes, insurance and the fee they paid for the servicing rights. I do not know what that total would be. 

Please let me know if the CFPB can help settle the situation. I need to sell the house, pay OCWEN for any out of pocket money and get some of my investment back from the sale of the property to help pay for new housing.
Consumer complaint received 2017-01-27
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Phoenix Financial Services LLC (TX)

Phoenix Financial Services is maliciously reporting to all 3 bureaus and that I owe {$1000.00} on an account that has a XXXX balance and that 's completely false!!!! I do not owe anything ... .I have documents to support these lies .... I 'm stress out my credit score has dropped due to these false claims. PLEASE GET THESE CROOKS OFF MY BACK.
Consumer complaint received 2016-09-08
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: WELLS FARGO & COMPANY (CA)

My niece begged me to co-sign a student loan for her saying she would have to drop out of college if I did n't. She knew we had a policy of no co-signing but she cried and promised to pay off the loan as soon as she sold a house she owned. She sold the home got XXXX cash then tells me sorry I had to pay other bills no money left. Yet she went traveling all over the country showing herself spending all kinds of money on XXXX. Is there any way I can get my name off her Wells Fargo student loan. It is now due for payments I get the notices in the mail. But she refuses to speak to me. Is there anything I can do? Thank you XXXX XXXX
Consumer complaint received 2016-05-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (MN)

Experian is refusing to investigate my identity theft claim. I want Experian to investigate my identity theft claim immediately. I am a victim of identity theft and filed a police and identity theft report with XXXX XXXX Police Department. The police report case number is : XXXX. The following accounts are unauthorized, fraudulent and do not belong to me : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX , XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, U.S. Department of Education and XXXX.
Consumer complaint received 2016-12-13
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (AZ)

I have contacted Chase Bank regarding my home mortgage which was suppose to be a Home Affordable Modification Program Agreement, off and on since XX/XX/2016 Each time when I call the XXXX I get a different Customer Assistance XXXX but the same answer regarding the amount of my monthly payment {$900.00}. However when I receive my monthly statement from Chase the the monthly mortgage amount is different. This month the payment is {$440.00}. I just was speaking to a representative at Chase regarding the difference and was disconnected. The amount I am paying and the amount Chase says I owes is {$450.00}. As a widow with a daughter with latent XXXX XXXX I am struggling to make my monthly payment. Can someone please explain to me why the huge almost double difference in the monthly payment amounts from XXXX branch of Chase to another? I just made my XX/XX/2016 payment and I paid from the Chase monthly statement I received showing {$440.00}. l called Chase asking for verification of the amount due and the woman I spoke to said the payment was {$800.00} plus, once again a different amount. I would appreciate any help you can give me.
Consumer complaint received 2016-04-17
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (TN)

Please refer to my ongoing complaint. 

In the process of my ongoing complaint ; I have identified another MAJOR issue with the servicing of my mortgage with Chase Home Mortgage. 

Original : # 1 ) my payments are being misapplied # 2 ) Chase is telling me it is my responsibility to notify Chase when they misapply payments New # 3 ) Chase has dual records of my payments. I get transaction date when I obtain my records online, but a separate report send to me has " posting date '' showing the " posting '' an average of 2 to 3 days after the payment is posted. On average, Chase is charging me two to three days of extra interest due to this [ improper ] payment posting. 

Summary of NEW issue *please note that corrections were made AT MY REQUEST - Chase tells me that I have to notify them whey they misapply payments ( which is part of my original dispute ) Payment Received Payment " Posting '' Original Issue ( # XXXX ) XXXX/XXXX/XXXX XXXX/XXXX/XXXX no interest posted on this date XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX *correction - posted as of XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX no interest posted on this date XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX *correction - posted as of XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX no interest posted on this date XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX *correction - posted as of XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX no interest posted on this date XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX *correction - posted as of XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX no interest posted on this date XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX *correction - posted as of XXXX/XXXX/XXXX
Consumer complaint received 2016-09-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (OH)

I had previously filed a complaint concerning the reporting of my Chapter XXXX on Equifax credit bureau past the timeframe allowed to report. One of my tradelines is now changed to report charged off. The account with XXXX XXXX XXXX XXXX is constantly changing their reporting to state the bankruptcy or charge off. Once the Ch XXXX is discharged, the acct is supposed to be removed 2 years from the date. Equifax continues to report what they are sending in even though the timeframe to report has passed. They are going through the motions and not paying attention to what they are adding. I received an updated credit report with the Ch XXXX removed but now charge off/loss is being reported.
Consumer complaint received 2021-12-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (CA)

On the XXXX of XXXX I was double charged for Medical Services averaging in over {$400.00}. 
When I set up an online account to pay by ACH checking account, it was obvious that a XXXX Party was online with me, as XXXX Medical Charges under Peepers.com ... .using the term : Non specific Medical Charges appearing XXXX as though I had an Eye Exam, and fitting for non Rx reading glasses. 
The first Medical Charge was grabbed and switched to a merchandise purchase. Then there is a XXXX charge. 
I was a TENANT INSIDE A REHAB HOSPITAL AND MY INSURANCE PAYS 100 % AND THEREFORE THERE IS NO NEED FOR MEDICAL SERVICE CHARGES. 
THE FRAUD DEPARTMENT IS VERY LAXED AND JUMPED AT THE CHANCE TO BLAME THE CUSTOMER ... SHOWING A LACK OF INTEGRITY AND PROFESSIONALISM. USUALLY AN APOLOGY IS MADE AND AN INVESTIGATION IS LAUNCHED FOR XXXX TO XXXX HOURS. 
THERE ARE SO MANY COMPLAINTS AGAINST DISCOVER THAT MAKE THEM LOOK VERY SHADY, I DOT THINK I WOULD EVER EVER TRUST THEM AGAIN. 
I LAUNCHED A COMPLAINT WITH THE FTC FOR DECEPTIVE TRADE, AND FALSE ADVERTISING FOR PROMO CASH DEALS UP FRONT. I COULD NOT GET MY ACH TO GO THRU THE FIRST TIME AND THE XXXX TIME, THEY CAN'T SEE WHETHER MY ONLINE PAYMENT WENT THRU, OR WHETHER THE XXXX XXXX EXTRACTED MY BANK ACCOUNT NUMBERS AND SAILED AWAY WITHY LEFTOVER CASH. 
VERY POOR SERVICE... OUT FOR THEMSELVES, AND REALLY ARE JUST AS CLUELESS AS AFFIRM ONLINE SHOPPING INSTALLMENT LOANS. YIKES! WHAT A NIGHTMARE ... CONSUMER IT UTILITY TRAPS IN SETTING UP LOANS WITH AFFIRM, TOO!
Consumer complaint received 2021-11-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: EOS Holdings, Inc. (MD)

On XXXX XXXXXXXX XXXX, I received an alert from the credit monitoring site showing that I have a collection with XXXX which was included in my bankruptcy. At first it showed included in bankruptcy but now it has that it's a collection. I filed bankruptcy on XX/XX/XXXX and it was discharged in XXXX XXXXXXXX XXXX  XXXX was one of the companies that I put in the bankruptcy. My bankruptcy case number is XXXX. This is the second time this has happened. I never received any type of correspondence from the collection agency to dispute the validity of this debt.
Consumer complaint received 2024-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2016-11-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (TX)

Below is the letter that was sent to Equifax today along with a copy of the CFBP dispute case this is in reference to : " Equifax : I ordered my credit report from your bureau and found an inaccuracy I wish to bring to your attention. I previously disputed this directly through Equifax and did not get the result I was hoping for. I had to involve the Consumer Financial Protection Bureau to resolve this issue. The CFPB intervened on my behalf and the company that reported incorrect information gave me the attached response through the CFPB website. I opened another official complaint on the CFBP website to address this but am also sending this letter with tracking information to ensure delivery date and time. 
XXXX which is on my credit report as " XXXX XXXX XXXX '' incorrectly reported an account as charged off and late. After getting the CFPB involved XXXX agreed in XXXX to " reverse the charge off status of the account, and reverse any negative credit marks assessed after XXXX 2013. '' It is now XXXX XXXX and the negative remarks remain and the charge off status remains. 
I request that you honor this company 's request to reverse the charge off status and remove the negative marks as they are incorrect. I have this in writing from XXXX which was provided to me through the CFPB website. '' The CFPB case number in which XXXX agreed to reverse the negative remarks and correct their mistake is : XXXX The CFPB has my authorization to share all the details of this case with Equifax to expedite fixing this error. I am also attaching the printed off response from XXXX that was given through the CFPB portal.
Consumer complaint received 2016-09-07
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: U.S. BANCORP (IL)

I went on line recently with USBank so that I could view my statements. I have never reviewed my statements in the past. I noticed there was an auto withdraw monthly of approximately {$50.00} for auto payment to reserve line. When I asked for explanation at the branch, I was told that it was a charge for insufficient funds. They researched back for 7 years and were unable to demo- strate what generated the original charge. they showed no bounced checks in 7 years. When I asked for proof of this occurance, I was told that they did not have to provide this proof of burden. I wanted to know what my recourse is. I want to know when this infraction occurred. If they are unable to prove the infraction is there a way that I can re-coupe the payments that I have made in the last 7 years? They also say that I still have a balance of approximately {$1800.00}. They can not tell me when or in what amount there was a bounced check - how do I know that it was not a bank error. 
I opened the account in 2006 and at that time there was a reserve line opened which I obviously did not understand how that overdraft protection worked. 
I just want to know if they are obligated to demonstrate what generated the original charge and if so and they are unable to do so, what do I have to do to pursue re-imbursement?
Consumer complaint received 2016-08-10
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Clarity Services (FL)

I notified Clarity Services, Inc., FEI/EIN Number XXXX about my credit being pulled over 10 times with no response. I emailed them a disclosure form to release information to me only to receive a consumer credit report with no explanation of why or who they pulled my credit for. I have only authorized one company to pull my credit and that is XXXX XXXX to which I received a credit card. i have not authorized Clarity Services to ever pull my credit or anyone else other than XXXX XXXX. 

I have continued to contact and leave my information with Clarity Services only to be ignored. This company was fined XXXX dollars for this type of behavior and it seems they are continuing to act in an illegal manner by pulling my credit report.
Consumer complaint received 2016-08-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (MD)

my car was repossessed while i was in forbearance with nissan motor acceptance. this should not have happened the car was almost paid off the loan amount was orginally for XXXX and i paid it down to XX/XX/XXXX ( XXXX payments left ). i lost my job while XXXX and notified nissan immediately. no repossession fees and interest fees from XX/XX/XXXX have been added and are in collection on my credit report as if its a new debt. this isnt owed and it is unfair.
Consumer complaint received 2017-01-27
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: AMERICAN EXPRESS COMPANY (IL)

This is a complaint regarding American Express opening a new account without my permission and not granting me XXXX bonus for that new opened account. 

Around XXXX last year, I called Amex to cancel my American Express Platinum Card, and was offered XXXX bonus points if I downgrade to Premier Rewards Gold Card. I accepted the offer. 

Few months later, I found out that the Platinum Card was still present in my account. I called up Amex. I found out, that instead of downgrading the Platinum to Premier Rewards Gold Card, Amex opened another Premier Rewards Gold Card, in addition to the Amex Platinum. I called up Amex to cancel that Platinum. They said they are going to investigate why this happened. They told me to go ahead and spent $ XXXX so I receive the XXXX bonus on the new Premier Rewards Gold. 

In XXXX, when I had spent $ XXXX, I called Amex to confirm the bonus once again. Instead of confirming, they said I wo n't get XXXX bonus, since I had this card with them ( long time ago ). I told them that was not what was promised to me for my troubles, and was not on the welcome letter I received from them. They refuse to bulge. 

I have been a long time loyal customer of Amex for a long time now, giving them plenty of my business, including having over XXXX accounts open with them. I feed swindled that they opened a new credit card instead of downgrading my existing card, causing my credit score to decline and lots of confusion. I also did n't get my XXXX points promised, even though I was told I would, over the phone and email. 

I have attached the following as proof : 1. Premier Rewards Gold Card offer confirming XXXX points if I spent {$2000.00} in three months 2. Letter confirming the new Premier Rewards Gold Card 3. Chat with Amex rep confirming that my account was opened in error, and not giving me XXXX points as promised
Consumer complaint received 2016-04-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (MN)

I am a victim of identity theft and someone stole my identity, and used my personal information to apply for and open up the following unauthorized and fraudulent accounts that are not my accounts : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, US Department of Education, XXXX XXXX XXXX. I filed a police report with the XXXX XXXX Police Department. The police report case number is : XXXX.