davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-07
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: AMERICAN EXPRESS COMPANY (PA)

I opened a fraud dispute on XX/XX/XXXX, 2017 for a charge that occurred in XX/XX/XXXX 2017 I visited what I believed to be a law firm licensed in the state of New York to handle a law suit on my behalf. The representative made a photo copy of my card and charged {$1000.00}. <P/>I found out about a week later that they had no license to practice law anywhere in the United States - a Felony. <P/>The representives then attempted to make 3 additional charges for {$1000.00} all of which were unauthorized and blocked. <P/>I made many attempts to request my money back since they had no ability to perform the advertised services and the advertised services were never able to be performed, since they have no license to practice law. <P/>I opened a dispute with American Express and requested an immediate chargeback since it was pure fraud. <P/>I spoke for more than 3 hours to various AMEX employees all of which refused to do anything. One individual in particular XXXX ( Employee ID number : XXXX ) was especially reckless should be charged with aiding and abetting fraud. <P/>I demand my money back now and regulatory action taken against XXXX and AMEX for refusing to resolve this issue.
Consumer complaint received 2017-07-07
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NY)

Requested and paid for 3 month foreberence to be made current at end of said foreberence. I was charged {$150.00} immediately on the phone - payment went through - agent heard and understood my inability to pay and that the {$150.00} was justified I suppose to get a piece of reprieve from outrageous calls to me and more my grandma ( co signer ) I have recording of call when other agent investigated the issue when I was asked for payment six weeks  after foreberence in place. I was dooped and it 's admitted in conversation and we can retrieve the records from recorded phone call if needed. I was denied any form of a transcript. Please help me get treated with some decency. Thank you for your time.
Consumer complaint received 2017-07-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA (FL)

Most recently, I have begun receiving bills from AES ( again ). They have a pattern of misbilling me for times when my loans should have otherwise been in deferment, such as now, currently at the moment, as I am in school. <P/>
On the two most recent billing statements ( statements which I should not even have ), they first sent me a bill dated XX/XX/XXXX, with a due date of XX/XX/XXXX. Despite the fact that I have repeatedly called them to straighten this out, they continue to bill me erroneous on top of the error of issue these two bills ( so far ) in the first place. <P/>The second bill is dated a month later for XX/XX/XXXX, with a due date of XX/XX/XXXX, which also is incorrect. Among their egregious errors includes the fact that these billing statements also have dates, dating back to XX/XX/XXXX through XX/XX/XXXX, which were also times that I was in school and under deferred as well. <P/>Again, not only should I not be receiving any billing statements at this time, since I am currently in school and have not been out of school longer than even 8-weeks at a time, the times for which they are billing, they reflect past due amounts as well as late charges, and these too need to be corrected, in addition to the fact that these loans are clearly not following along with the Student Loan guidelines of deferring students loans while they are in school. <P/>I am writing you because I am not getting anywhere with them, and time is of the essence, as I do not want to have anything appear on my credit report.
Consumer complaint received 2017-07-07
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: I.C. System, Inc. (AL)

Please remove this from my credit reports. This is not my debt!!!!!
I.c. Systems, Inc. XXXX XXXX XXXX posted a collection Amt of {$180.00} alledgedly reported opened in XXXX 2016. This is causing me a great deal of unnecessary XXXX & damaging my credit!
Consumer complaint received 2017-07-07
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 — Was not notified of investigation status or results
Company: Debt Recovery Solutions, LLC (GA)

This company, which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$720.00} with XXXX credit reporting agencies. I requested verification of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.
Consumer complaint received 2017-07-07
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (WA)

I went to my local chase bank atm to pull out my monthly fixed amount of XXXX . But This time when I put in my card after I had gone through my normal button routine, something went wrong ... Instead of giving me my money the atm machine had a message that read " Having problem printing receipt, try again later '' and it printed a receipt with a sequence number. I couldnt do anything because this was XXXX on a saturday, and they were closed. The date was XX/XX/17. So on monday the XXXX, I went inside the branch to get some answers. I figured they could see the atm info and see I never got anything. But no they couldnt help me besides telling me I had to file a claim on XXXX. Which is the state of washingtons government assistance agency. Like I had said I am on a very limited fixed amount each month and the bank had just taken it all from me.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ENCORE CAPITAL GROUP INC. (PA)

Most of the things on my credit report are old, like XXXX XXXX XXXX, and being sailed to a third party, also, some of my reports are hard hits that need to be removed.
Consumer complaint received 2018-04-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (MI)

Chase closed my credit card account without warning on XX/XX/XXXX. 
I contacted them to re-open my accounts but they would not. 
When I opened the credit card account I was charged an annual membership fee of {$75.00} on XX/XX/XXXX. 
Credit card accounts should be re-instated or the full annual fee refunded of {$75.00}.
Consumer complaint received 2017-07-07
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP (OR)

My brother XXXX XXXX in XX/XX/XXXX and had a existing mortgage in good standing with US Bank. We have continued to make the mortgage payments and home owners insurance. Under the provisions of his will my brother and I are to inherit his house and we also have title to the house. I am the executor of his will and as such notified US Bank of his XXXX and US Bank was sent a certified copy of XXXX certificate and the small claim probate from the court on XX/XX/XXXX. At that time I requested that my brother and I be added to the loan as obligators without triggering the ability to pay rule. On XX/XX/XXXX I received from US Bank a letter stating that they recognized me as the executor. Also on XX/XX/XXXX we received complete loan packet to fill out as a new loan. I consulted my attorney and he stated that the Dodd Frank law inheriting a home was still in effect. He sent a letter to US Bank on XX/XX/XXXX stating to them that my brother and I can be added to the loan. His office received no response from US Bank. On XX/XX/XXXX I sent a highlighted copy of the law on inheriting a home to US Bank loan assumption dept. Received no response. XX/XX/XXXX I called the loan assumption dept and stated our concerns about being added to the loan without triggering the ability pay rule, US Bank stated that they did not have to honor the provisions of the Dodd Frank rule on inheriting a home and that we would have to do a  complete loan packet.
Consumer complaint received 2017-07-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (MO)

In XXXX of 2016 I signed up for XXXX XXXX internet and phone service. Over the course of the next several months the services would constantly come and go. On 3 occasions XXXX sent service techs to our house to try and remedy the problems. After doing so, they would work intermittently and stop working for periods of time. My wife and I rely on dependable internet service to do our jobs and so after 40+ hours of lost time working and several other hours speaking with XXXX representatives we decided to cancel the service and get something more dependable. I called and cancelled my service with XXXX and told them I would no longer pay them for the service they were NOT able to provide, in doing so they also tried to tack on an early cancellation fee which I also refused to pay since they could n't provide the service. At this point, XXXX was attempting to collect a {$90.00} for service and plus another {$90.00} for an early cancelation fee. After sending them a letter stating all this, they sent it on to a 3rd party collection agency to try and collect. I relayed this 3rd party that I was disputing this debt they say I owed due to the reasons listed above and I did not hear from them again. Now, another 3rd party collection agency is once again trying to collect this debt now totalling {$250.00}, and they have gotten far more aggressive. Today alone, I have 5 incoming calls from Southwest Credit. To sum it up, I would be happy to pay for service provided but I refuse to pay for service I did n't get and ulitmetely cost me money for lost work and I definitely refuse to pay a cancellation fee for cancelling service that did n't work.
Consumer complaint received 2017-07-06
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (MA)

Due to illness I was out of work and missed three car payments, I called Nissan to tel them I would be late and then on XX/XX/XXXX they reposed the car without any notice. I have been trying to make an arrangement with Nissan. THey want me to pay XXXX to recouperate the car. I would like to pay the unpaid balance due of XXXX and all associated fees XXXX in late charges and XXXX in repossession fees totaling XXXX and regain possession of the vehicle and continue to make my monthly payments. I have been a Nissan customer for 3 years and never had late payments until now. I received a letter that stated I have until X/X/2017 to resolve this matter but I believe I have 20 days from the date of repossession. I just want to work this out with Nissan.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

These fraudulent accounts linked to identity theft must be blocked and removed from my consumer report immediately. I never provided written authorization or a wet signature for their inclusion. This follows my previous communication about this matter. 

The presence of these unauthorized accounts has severely impacted my financial wellbeing, preventing important life goals like home ownership and providing for my family. As legal verification of my identity, I have included copies of my social security card and driver 's license.
Consumer complaint received 2017-07-06
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. (MD)

I have contacted the credit card company on several occasions. On XXXX XXXX, I submitted for the 3rd time my fraud information showing identity theft. I submitted a identity theft report, drivers licence, social security card, police report, and address verification. I have sent letters requesting information on the account. I never receive documents in the mail. I have had to call over and over. The last time I called in XXXX I was informed that they were not going to close the accounts as identity theft because the thief tried to keep the accounts open. No payments were made. I once again stated that I am not the one who opened the account nor do our names match. Now there are several accounts. 2 from XXXX and one from XXXX XXXX that were opened using a fraudulent name. And even after providing all documentation the company has never responded to me in writing nor fixed the problem. I also disputed the accounts with the credit bureaus only to receive the response that the credit card company needed me to reach out to them because they were unaware of the fraud even though it has been documented for months! <P/>I am attaching all documentation that was sent and verified as received by the company yet they refuse to act on this!
Consumer complaint received 2018-04-16
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (NY)

I am reaching out because I was deceived a few years ago by SallieMae ( now navient ). 

I graduated college with these extreme private loans that their scamming company pushed me to get at XXXX XXXX XXXX not knowing what this would do to my credit/payment down the road. 

I was making XXXX a year about 10 years ago when I had to start paying over {$1000.00} a month for these loans ... They neer allowed me to get on a payment plan I was forced to continuously default and/or go into forbearance which is now impacting my ability to buy a house, get credit cards, rent a house, basically anything impacting my credit. 

My interest rates are almost 15 % on one of my loans and continues to just rake in money on Navients end. I have been paying for years and haven't seen a dent taken on my loans and I feel like that something is just wrong. I've called numerous times and they hang up on me and sometimes just beat around the bush. I can't live a normal life dealing with over {$100000.00} IN DEBT that just keeps getting higher and higher no matter how much I'm desperately trying to pay each month. 

Please help me, I can't even move to a different lender because of my terrible credit, I need to get away from these people!!!
Consumer complaint received 2017-07-06
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. (MD)

I have contacted the credit card company on several occasions. On XXXX XXXX, I submitted for the 3rd time my fraud information showing identity theft. I submitted a identity theft report, drivers licence, social security card, police report, and address verification. I have sent letters requesting information on the account. I never receive documents in the mail. I have had to call over and over. The last time I called in XXXX I was informed that they were not going to close the accounts as identity theft because the thief tried to keep the accounts open. No payments were made. I once again stated that I am not the one who opened the account nor do our names match. Now there are several accounts. 2 from XXXX and one from XXXX XXXX that were opened using a fraudulent name. And even after providing all documentation the company has never responded to me in writing nor fixed the problem. I also disputed the accounts with the credit bureaus only to receive the response that the credit card company needed me to reach out to them because they were unaware of the fraud even though it has been documented for months! <P/>I am attaching all documentation that was sent and verified as received by the company yet they refuse to act on this!
Consumer complaint received 2017-07-06
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

I submitted a dispute via certified mail on XXXX XXXX 2017 to all 3 credit bureaus : XXXX, Experian, and XXXX. I disputed two accounts, XXXX XXXX and XXXX XXXX, stating I was no longer liable and requested they be removed from all three credit bureaus. I received notification from XXXX stating the accounts in questions were deleted from my credit file. I have also received notice back from XXXX were they are stated the information was verified, but not validated. I have not received any proof of the verification or validation regarding these disputes from XXXX  I have not received anything from Experian regarding this dispute and it has been over 30 days. I contacted Experian about the disputes and the rep stated she did not see where it had been submitted and for me to do it online or mail it in. I advised the rep that I had also faxed information, but she stated she did not see that information and maybe I needed to upload it. I have copies of all the disputes that were sent to all 3 bureaus and a copy of the certified receipts and the results from XXXX stating that these accounts were removed and deleted.
Consumer complaint received 2017-07-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

To whom it may concern I have tried contacting all credit bureaus about unauthorized hard inquires on my credit report please help the applications I applied for with my credit union shows decline due to too many inquiries I have tried everything please help. <P/>XXXX shows XXXX disputed TransUnion disputed XXXX disputed I am trying to re establish my credit and I ca n't move forward with multiple inquires
Consumer complaint received 2017-07-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: REGIONS FINANCIAL CORPORATION (GA)

On XX/XX/XXXX I noticed two fraudulent charges to my checking account, one for {$18.00} at a XXXX in XXXX, GA, and one for {$1000.00} at a XXXX XXXX XXXX XXXX in XXXX, GA. I still have my debit card associated with this account. I reported the fraudulent charges the evening of XX/XX/XXXX, my bank cancelled the card, and mailed me a new one. The bank stated nothing could be done until the charges posted to my account, and I should call the businesses to see if there was anything they could do in the meantime. The following morning of XX/XX/XXXX, I called XXXX and was told there was nothing they could do. I called XXXX 's XXXX XXXX and spoke to a manager named XXXX, he stated he was the one who ran the transaction the previous day. He stated the guy had a physical card with my card number and expiration date on it, a different name and CVV code, and a driver 's license that matched the name on the debit card. He also stated the card was run as a credit card, the guy signed for it, and the name listed on the receipt was the same as the name on the card and driver 's license. I informed my bank of the information. The charges did not post to my account until the morning of XX/XX/XXXX, at which time I called my bank and an official claim was started. I was advised that the process could take up to 10 business days. After 9 business days I had not heard anything so I contacted my bank on the evening of XX/XX/XXXX. They stated, " I have reviewed your account and our records show that your claim in the amount of {$1000.00} & {$18.00} has been reviewed and resolved. Our records show that the claim was unsuccessful because there was no indication of fraudulent activity with the transaction. '' My bank was closed the following day for XX/XX/XXXX. The morning of XX/XX/XXXX I made contact with a social media representative, XXXX, of my bank. She asked for me to direct message her my phone number and she would be in touch with me. The morning of XX/XX/XXXX I received a call from XXXX, she transferred me to the fraud claims department at my bank. After telling them again I did not make the two fraudulent charges, they reopened the claim for further investigation. I was told the process could take another 10 business days. I filed a police report in XXXX County ( the area in which the fraudulent charges took place ) with the above information. I then filed a police report in XXXX XXXX County ( the area in which I reside ) with the above information including the case number of the other police report. I went to my nearest bank branch and asked them attach the two police reports to my claim. I have yet to hear anything from my bank concerning a resolution or any actions taken.
Consumer complaint received 2017-07-06
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: WELLS FARGO & COMPANY (CA)

A few months ago my parents received phone calls on their personal cell homes and home landline from Wells Fargo Dealer Services. Voicemails were left at the time asking them to be called back. My dad returned the call think it was regarding a student loan he had cosigned on with me through Wells Fargo and when he found out it was about a car loan he told them they should contact me and not him as he did n't have anything to do with this and was n't authorized to talk about that account. They then placed calls to my mom 's cell and left a message and my parents landline. I called them back and asked why they were calling those phone numbers when I had never given them those phone numbers, nor authorized them to call those numbers and leave voicemails. They said they had no idea how those calls went out because they did n't have the numbers anywhere on file and should n't be calling those numbers. I told them I was extremely frusterated by this because it caused my parents unnecessary stress and concern. I asked where they acquired the numbers since they did n't have them on file and the associate kept saying he did n't know and they were n't listed anywhere on my file. He said he would make a note that they did n't call those numbers again. I asked that if they wanted to talk about money I owe they call me only and/or mail me something telling me to contact them. Today ( X/X/17 ) my dad recieved a call from XXXX ( XXXX ) XXXX and when he answered they asked for me and he said they had the wrong number and he hung up. They called him at XXXX. A few seconds later the number called my cell. I was n't able to answer as I am at the hospital. <P/>I am upset that Wells Fargo continues to harass my parents in an attempt to reach me when I have asked them not to. Also, that they continue to call phone numbers that they claim to have no knowledge of having or using.