davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-15
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: JPMORGAN CHASE & CO. (AZ)

XXXX systematically fails to process Co-Borrower Release applications for private student loans. Leaving the co-borrower  who received no benefit from the private student loan and received no information regarding the amount to be borrowed, the essential terms of the contract, or any information regarding their permanent and unrelenting personal liability to be released as a co-borrower. XXXX has arbitrary and undisclosed policies regarding how to handle Co-borrower release applications, if they are denied and the co-borrower requests an alternative solution, XXXX assigns the co-borrower a " Consumer Advocate '' who is not a neutral party nor has any discretion or authority to actually advocate for the consumer. The only option this Consumer Advocate can provide is a Co-Borrower Waiver -  wherein the co-borrower is required to pay XXXX to be released from further liability ; however the amount of the waiver is equal to the principal amount of the student loan. This is obviously not a meaningful or financially viable remedy and is specifically intended to prevent Co-Borrowers from being released, frustrate the process, and force Co-Borrowers into bankruptcy. 
XXXX is a debt collector, who is assigned to collect a debt for a third party but systematically and intentionally fails to convey offers to the owner/lender/original creditor regarding Co-Borrower Release Applications or Waivers. This process is unethical and illegal because XXXX has no authority to conduct business in this matter, routinely fails to mitigate damages, and enforces contracts wherein the Co-Borrower was fraudulently induced to accept the terms that were nebulous at best.
Consumer complaint received 2019-02-14
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2019 my cell phone number with XXXX was ported out without my authorization and the fraudster was able to gain access to my XXXX account and all accounts linked to the XXXX. The fraudster got access to my bank account and credit card accounts. My checking account with XXXX, BOA credit card account and XXXX XXXX credit card were all compromised. My checking account is with XXXX XXXX  and they were able to stop the fraudulent transaction as they did not recognize the transfer the fraudster was processing. Next day I was able to close my old account and open a new account with XXXX. The night of the fraud I also reported the identify theft to XXXX  and the next day set a freeze to my credit for all three credit bureaus. XXXX XXXX was able to cancel my card and reissue me a new XXXX. BOA was aware of the fraud, contacted me and once i verified it was fraud, cancelled and replaced my credit card. They issued a temporary credit to the account while investigating the charges. In less then a month of investigation, BOA decided that it was not fraudulent and charged it back to my credit card. The two charges that occurred were processed in Florida. I am a resident of California and the day the fraud occurred, I was in California and the CC was in my possession the entire time ( I have evidences to support this ). After I realized that the fraud dispute was charged back to my account I called and spoke to a representative who advised me that at that stage they really cant do much as a decision has been determined. No formal communication was sent to me on the results of the investigation before the card was charged back. I received a letter a week later in the mail to confirm that they determined the transactions were not fraudulent ( total of {$1000.00} ). The representative handed me the fax number to which I could submit my dispute and the postal POBox address I could send the information. At this point I have two fraudulent charges on my credit card that I did not authorize nor charge. In addition, when this incident occurred, BOA reduced my credit limit to the balance on the account as such, now I have charges over my credit card limit which will incur additional fee. BOA has not been forthcoming on how they determined this not to be fraud and has not reached out to me to assist me with this dispute. I have tried to resolve this with them but have not been successful. I do not believe I should be held responsible for a charge that I did not authorize.
Consumer complaint received 2019-02-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Direct Recovery Services, LLC (TX)

XXXX XXXX XXXX XXXX called me on my work number by way of a robo call ( XXXX ), that left me a number ( XXXX ) to call back, and an account number and zip code. When I called back the person who immediately answered the phone did not state their name or the name of the company, she immediately said, thank you for holding. This was a cause for concern for me as usually when a call is answered at a business, the person answering the phone states the name of the business and their name, not thank you for holding especially when you were never on hold and had just dialed straight through. I asked the person who answered the call who they were and what was the nature of the call, she immediately asked me if the last 4 of my social was XXXX and if my date of birth was XXXX. I asked again who she was and the nature of the call and she refused to tell me who they were or the purpose of the call because I would not verify the last 4 of my social and date of birth. I explained to the person that I was not doing any of that and again asked who exactly this company was and what exactly the purpose of the call was regarding. Again the person stated that she was not able to do so unless I verified my personal information. I explained to the person that as far as I was concerned this could be a scam due to her lack of providing me the nature of the call, and more information regarding the company especially when this company was calling me at my place of employment with vague responses. The person yet again told me that she was not able to provide me any additional information without me first verifying my social security number and date of birth. My last statement to this person was that if in fact this was a personal business matter involving myself, that they needed to contact me on my personal cell number and not at my work number. The person asked me to verify my cell number to which my response was that if this was in fact anything dealing with me personally, and with them already utilizing my work number that they should obviously have my personal cell number. The person then stated that she would have my work number removed from their system. I've also attempted to visit the website that the robo call provided, however when utilizing the " account number '' provided by the robo call, the system is still asking that my information be verified without any indication what this is in regards to. For this reason I believe that this company is acting under false pretenses and could possibly be a scam to gain information from consumers. I have XXXX  both telephone numbers, neither of which show to belong to a company called Direct Recovery Services LLC. I have however discovered others who have complaints about this robo caller, but again nothing to show evidence that this is a legitimate business.
Consumer complaint received 2019-02-14
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (NY)

My Chase Checking and Saving accounts were closed on XX/XX/XXXX. I called and inquired about the {$25.00} I used to open the checking account, and the {$25.00} I used to open the Savings account. I was told that the money was taken out of my accounts on the XXXX and mailed to me. I called this week to inquire as to why I had not received them yet. Now I am being told that the money was never sent to me, because they are having issues verifying the checks I used to open the accounts. I never used any checks. I opened the accounts online and used my debit card to do so. The money was taken out of my account in two separate transactions on XX/XX/XXXX. I was never given an explanation to why my accounts were closed, I was blocked from all online access ( including my car payments and separate credit cards! ), I was lied to and told my money was mailed to me on XX/XX/XXXX, and now over 2 weeks  later I ask about the money again and I'm told it was never sent to me. This is absolutely ridiculous the treatment I have received from this bank. I want the {$50.00} that I wasted opening my accounts with this bank.
Consumer complaint received 2019-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

On XX/XX/2019 I looked at my FICO score on my XXXX accounts ( logged in ) after a business negotiation due diligence effort detected an issue. Imagine my shock to see that my credit score, normally hovering between XXXX and XXXX, had dropped to XXXX in one month. That's a 137 point drop in one month. Knowing that purchasing/leasing a new car ( my only transaction affecting credit ) in that period couldn't cause that drop, I called XXXX XXXX. After several minutes ( 23 actually ) to get through the hold, I was told " that was Experian, not us '' and I'd have to call Experian. XXXX did connect me with a team to file a complaint against Experian. which took up hours of my day. So I call Experian and after 45 minutes on hold get the call center in XXXX ( barely intelligible English speaker ). She told me " that is XXXX XXXX, not us ''. XXXX-esque. When I explained to her that I ran my Experian report ( which I had already run to try to remedy and the online version showed " possible criminal activity '' at my new address, she maintained that that marker didn't affect my credit, tried to sell me a credit reporting product, then told me she has no access to my account ( doesn't Experian PRODUCE the information? ) and XXXX XXXX XXXX was responsible. Of course, there is no one to call at FICO. She offered to send me my credit report in print form. I accepted and noted that the report she finally sent has rescinded my " possible criminal activity '' from the report. And like magic, my credit score returned to XXXX the next week. The kicker? They had ERASED the 137 point drop from my XXXX history which is trackable in graph form from XXXX XXXX. What is infuriating is that no one took any responsibility nor is accountable to me. These credit agencies make mistakes that negatively affect my financial life but since I am the product, not the client, they do not care. This affected me materially - I was negotiating a business partnership and my credit score was part of their due diligence - it affected the contract negotiations in a negative way. I need an answer from both XXXX XXXX and Experian what caused this and what steps they will take in the future to prevent these kinds of mistakes ... AND WHY I AM NOT NOTIFIED OF BIG NEGATIVE CHANGES IN MY CREDIT SCORE. What about Americans who work 2 jobs and have no idea their credit has changed when they go to buy a car? It hurts everyone and is dishonest.
Consumer complaint received 2019-01-28
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: Ability Recovery Services, LLC (GA)

I am a victim of identity theft and I have been fighting for the deletion and blocking of fraudulent accounts on my credit reports. I disputed and successfully was able to get several fraudulent accounts deleted and blocked from my credit file. One of which was XXXX University. I have never attended XXXX University and I have never had any account with them. I even requested information from XXXX as to how they had my information and received nothing. In 2017, I disputed the XXXX University account and it was deleted and blocked from my credit file as it was fraudulent. On this month, I now have a collection on my credit file from Ability Recovery for the fraudulent account at XXXX University! This is not my account and this negative account is tarnishing my credit file that I am repairing from the identity theft. I have had no contarct EVER with XXXX University or Ability Recovery as these accounts are fradeulent!
Consumer complaint received 2019-02-15
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (TX)

XX/XX/XXXX I graduated from from XXXX XXXX College in XXXX, XXXX not knowing their accreditation was in jeopardy and the school overcharged my loans for payment. I then was contacted by a lawyer because other students was suing XXXX XXXX for being overcharged, accreditation issues, and everyone was having problems with gaining employment when they promised to give students assistance with job counselor for employment but never gained employment! Then the school got closed down immediately after I graduated. I was supposed to receive loan forgiveness because the school got closed down and they got sued from XXXX Attorney General. Navient denied me forgiveness & demanded I payed even though I still was in hardship due to employment. I ended up in default and my credit was destroyed and eventually I got garnishment when I did start working. The situation caused me to be lose my house and car! I was then XXXX with my XXXX kids! Im just now getting out of default and school loan amount went from XXXX to XXXX. I've been trying contact XXXX  Attorney General about the lawsuit because this situation ruined my life and hopes and dreams. The Attorney supposedly sued on behalf of students that from this school and won the lawsuit. Since the lawsuit back in XXXX I have relocated to live with my mother in XXXX with my kids! I've been trying to get help with my situation because the school got closed and was sued!
Consumer complaint received 2023-03-07
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2019-01-28
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: DISCOVER BANK (PA)

I was delinquent when I was contacted by Discover in XX/XX/XXXX. I set up a payment plan with the understanding that this would bring my account current. I've made my payments as required since that date. I logged into my free FICO score in XX/XX/XXXX and was surprised to see I've been reported to the credit bureaus as delinquent every month since I entered the plan. I called Discover and asked them to explain and they said well you were still delinquent. I asked them if this was explicitly disclosed to me when I entered the plan they said no. They explained how the payments would work again but said they don't explicitly say we're going to keep reporting you to the credit agencies. I feel this is a deceptive and abusive collection practice. If I had known I would be reported to the credit agencies I would have found a way to bring myself current instead of enrolling in a program I thought was doing the same thing.
Consumer complaint received 2024-11-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: SELECT PORTFOLIO SERVICING, INC. (PA)

My mortgage was sold to Select Portfolio Servicing and it has been modified at least twice and I was told that my final mortgage payment was due in XX/XX/year> at which point a balloon payment of {$50000.00} would come due. I asked for them several times to please send me a new amortization schedule and they did not respond.
Consumer complaint received 2020-01-31
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MD)

I have submitted a certified letter to this creditor requesting validation of this debt and I specified please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. This creditor failed to provide that documentation. The only information they sent was my name, the account number and the amount owed.
Consumer complaint received 2019-02-14
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: CREDIT ACCEPTANCE CORPORATION (MA)

THE XXXX XXXX XXXX WAS RETURNED TO THE DEALERSHIP! My name is XXXX XXXX and on XX/XX/XXXX I went to XXXX XXXX XXXX to purchase a used minivan XXXX XXXX XXXX with XXXX miles with XXXX and XXXX. I believe they are the owner. From the start, there was an issue with the entire process. The same dealership got 2 different loans on my credit report for the same vehicle ( one with XXXX XXXX XXXX, and this one with Credit Acceptance ) - one for {$7500.00} and the other of $ XXXX. I took the delivery of the vehicle on XX/XX/XXXX and Returned the vehicle back to them on XX/XX/XXXX around XXXX XXXX. When I asked there were 2 loans for the same vehicle on my credit report, they said that it was their mistake and they will handle it. The vehicle had a major mechanic issue, and it was fully returned before 30 days, and it doesn't pass any emission test. I attempted to return the vehicle earlier, but he kept giving me so many excuses for the reasons that he wasn't going to be there. I have never dealt with this before, and today I'm looking at my credit report and noticed that there are 2 loans of the different amount shown, which was fraudulently submitted by that dealership and its owners. Please be advice again that i don't have the vehicle in my possession and it was returned to the dealership. I've already called the dealership and the bank but no one seems to want to help. Best, XXXX XXXX
Consumer complaint received 2019-01-28
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: GVA Holdings, LLC (IL)

Dear Mr. or Ms . I made the mistake of taking a loan out with this company, I was approved for a {$600.00}. I was told online that there would be a smaller finance charge, steep, but I agreed. What I did not know, and could not see at the time I accepted this agreement, was that the Truth in Lending disclosure not visible at the time I accepted this loan showed an APR of, and this is not a typo either, 649.9988 % and that the total repayment amount for my {$600.00} loan would be a whopping {$3400.00} I had not been informed of the 650 % interest rate on the loan, and I was told there would be a {$350.00} finance charge, not {$3400.00} in total payments, and I was unable to view the " Truth in Lending '' disclosure until after the loan had been processed and funds delivered to my account. To this date I have paid {$560.00} ( in only 7 weeks ) for the {$600.00} loan. I was also told this would be bi-weekly payments and not weekly. I feel like I was totally mis-lead about how much this little loan would cost me. I am willing to pay this off with a reasonable amount of interest. Thank you for your time. I did not realize this was such a scam or I would have never accepted this. They sent me an email stating that I now owe them : XXXX wrote : XX/XX/2019 XXXX AM To You XXXX XXXX, Thank you for your email. Our records show your account is fully past due in the amount of {$1300.00}. There are currently no payment arrangements for your account. We are able to divide this balance into 7 smaller payments of {$180.00} to assist you in your efforts of paying your loan in full. Thank you for choosing XXXX XXXX XXXX. 
Disclaimer : XXXX XXXX XXXX , XXXX  is an entity formed under the laws of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reservation of Montana ( the Tribe ), a federally-recognized and sovereign XXXX  XXXX Tribe. XXXX XXXX XXXX , XXXX  is wholly-owned by the XXXX. XXXX XXXX XXXX , XXXX is a licensed lender authorized by the Tribes Tribal Regulatory Authority. 
This is not acceptable. I am willing to settle for a reasonable amount of interest. I have paid back 95 % of the borrowed amount. 

XXXX XXXX
Consumer complaint received 2019-02-15
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SELECT PORTFOLIO SERVICING, INC. (NJ)

Select Portfolio Servicing, Inc. ( SPS ) has failed to provide proof by affidavit upon my request, which adheres to the Laws of New York State XXXX XXXX XXXX Court Procedures : " Every claim against the estate of a decedent other than claims for expenses of administration and claims of the United States or the state of New York must be in writing, contain statement of the facts upon which it is based and the amount thereof. In addition the fiduciary may require the claimant to present proof by affidavit that the amount of the claim is justly due, that all payments thereon, if any, have been credited, that the claimant knows of no offsets and no evidence of indebtedness and holds no security, except as specifically described in the affidavit. '' As the fiduciary of XXXX XXXX XXXX 's estate, I am requiring the claimant to present proof by affidavit.
Consumer complaint received 2019-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (NY)

I write to file a complaint against Equifax for their failure to provide ( as required by law ) a free credit report in XXXX. 

I requested my free credit report from Equifax on XX/XX/XXXX. 

I used the toll-free phone number to make the request ( XXXX ). 

I did not receive my report. I called Equifax on XX/XX/XXXX and I was told that they never received any request for my credit report. 

As I have used the toll-free number to request my free credit reports from the other services ( XXXX  and XXXX  ) without experiencing any problems, I believe that Equifax is being less than forthcoming with regard to their failure to provide me the required free annual credit report. 

This is the second year that Equifax has failed to provide me with my free annual credit report as required by law. 

I file this complaint with the hope that the CFPB will ensure that US Law is enforced and that Equifax follows the law to the letter.