davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-12
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO. (IN)

I have written you before with unsatisfactory results about my former bank, but the issue I wish to take up today is different and pressing enough for me to contact you again. 
I have recently discovered that the company, XXXX has been hit by class action suits in approximately XXXX states for fraudulent selling, misinforming or not informing customers, and for unauthorized charges to their credit cards. Many times, the customers were not aware of these charges or that they had signed up for memberships that were charged to their cards or their mortgage each month. The same happened to me in 2012 and my case was sent to collections by Chase, who had been charged along with Trilegiant in at least XXXX case. I am still trying to clear that up. 
Each month, for 5 months Trilegiant made XXXX separate charges of XXXX for memberships in XXXX and XXXX to my Chase card. Eventually I refused to pay because I had I had not authorized these charges or knowingly signed on for membership. Chase continued to bill me, added interest charges and late fees, and eventually sent the bill to collections, creating a negative entry on my credit report. 
At that time, I was traveling and working in XXXX. I seriously doubt that the memberships could have been used there, even if I had signed up for them. However, the point is still that I did not knowingly authorize XXXX XXXX to sign me up for memberships or charge my Chase Card. I do n't even know how they got access to my credit card number or any other authorizing information. When I try to discuss the matter with Chase Fraud operations, they do n't listen and will not assist me in clearing this matter up so I can get these charges removed from my credit report. 
Upon returning to the US, I reviewed my credit status and did follow up on the Chase collection charges. I asked for reports and finally received the final reports yesterday showing the charges made by XXXX. I. contacted XXXX XXXX in fraud operations at Chase and was informed that she had decided that I was responsible for the account because I had made payments to it. 
I then went on the web to research the company and found that there were approximately XXXX similar complaints. Chase had been named, along with XXXX, in at least XXXX class action suit and XXXX has been fined millions of dollars for these actions in approximately XXXX states. In many of these cases, the consumer had, like me, paid the membership fees for several months before complaining. I also viewed XXXX law firm soliciting clients to file complaints against XXXX for the same reasons. I want to file a complaint, but not with them. I want Chase to correct this situation by acknowledging their error and removing the negative entries from my credit report. Can you help me? 
XXXX XXXX
Consumer complaint received 2017-04-12
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Convergent Resources, Inc. (IN)

ON XX/XX/2017 MY DAD RECEIVED 11 CALLS ON HIS CELL PHONE WHILE AT WORK! HE RECORDED ALL CALLS. 
FAILED TO VALIDATE AND IGNORED CEASE AND DESIST. 

VIOLATORS OF THE DODD-FRANK ACT FDCPA 11 COUNTS OF T.C.P.A. INFACTIONS FCRA
Consumer complaint received 2017-04-12
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: Experian Information Solutions Inc. (FL)

Experian is refusing to remove outdated creditors on my credit report. The following creditors have been reporting minimal 9 years and some more than eleven years which according to FCRA if the creditors have not been deleted I am within my rights to request for them to be deleted from my credit reports. Upon reviewing my credit report ( report number XXXX ), I discovered obsolete accounts. Please delete this accounts immediately as they are too old to be in my credit file. If for some reason the account is verified, please send me the name of the person who provided the information and the method in which it was investigated. It is also against the FCRA to re-age accounts and they seem to be doing this as well. 
Account names : XXXX, XXXX, Date opened XX/XX/XXXX XXXX, XXXX, Date opened XX/XX/XXXX XXXX,XXXX, Date opened XX/XX/XXXX duplicate account XXXX, XXXX, Date opened XX/XX/XXXX XXXX , XXXX, Date opened XX/XX/XXXX Transferred, closed. 
XXXX, XXXX, Date opened XX/XX/XXXX Transferred, closed XXXX, XXXX, Date opened XX/XX/XXXX Then Experian is reporting names that are not mine : XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX,XXXX XXXX , XXXX They have this XXXX as my address, I have never had a XXXX : XXXX FL XXXX
Consumer complaint received 2017-04-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (TX)

Experian did not properly investigate very serious FCRA violations concerning a negative account that is illegally reporting past the 7 year statutory reporting period. The account is XXXX XXXX, account number : XXXX. This account was due to be removed from my credit report on XX/XX/2016 yet somehow Experian recently investigated and updated my report verifying this false information. I have attached a copy of my XXXX report which clearly shows that the account was due to be removed XX/XX/2016. Experian does n't even list the date the account is scheduled to remain on record, allowing this account to continue to be illegally re-aged. I have also attached the page of my Experian report which shows the updated results that they supposedly verified this account, regardless of the fact that it is past the 7 year reporting period. This account was removed from XXXX and XXXX months ago. Please note the remarks on my XXXX report which states : Estimated Month and Year this item will be removed : XX/XX/2016
Consumer complaint received 2017-04-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Hillcrest Davidson & Associates (AL)

I signed a contract with XXXX. two years in I was XXXX in my home five days after XXXX and attempted to push panic button behind locked door. nothing happened. I realized something was wrong. I filed a police report and then called security company. I told them what happened and I needed them to come asap to fix it because I feared the XXXX would come back. they told me they would be out in 7 to 10 days. I asked for a manager and insisted they come immediately. they said they would note this on my account. they never showed I called back and complained again. they said they came out and I was n't at home. do n't know when that was but I worked so there is no telling. I again told them to please fix my system They were withdrawing automatic from my account for three months while my system was broken.. around three months later my home was broken into and robbed. again no alarm because they never came to fix it. another police report was filed. my damages totaled more than what I owed them for the " contract '' they were determined to hold me to which by the way was five years. I had to get bank to stop them from taking money. they refused to relieve me of the contract and turned me over to hillcrest Davidson collections. they demanded I pay the rest of the contract of {$1600.00}. when I was XXXX for a year. I lived alone at time and was scared to death for 3 months and had my mom come stay with me. I spoke to a lawyer that said I had an excellent case and when I was ready he was ready to chew them up and spit them out. but I did n't have money to hire him.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I am now requesting proof of previous investigation. I am asking you send your method of investigation along with all the records You spoke with, their Business address, name and phone number as well as document that proves this account ( XXXX ) was late. If you can not provide this information within 15 days, please update the account ( XXXX ) to pay never late and send me a copy of my updated report.
Consumer complaint received 2017-04-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have called and sent certified letters in regards to the fraudulent inquiries.I have received the same general response for all inquiries. According to FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that nay information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information for it 's files. One can assume that there was no investigation into the matter since I keep getting the same general response. I plan to purchase a home this year and having this many hard inquiries on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer. I also have a fraud alert on my account since XX/XX/XXXX to prevent things like this from happening and it 's still happening. I demand that these inquiries are removed or I will take this further. 

Describe what happened so we can understand the issue ... 

I have submitted disputes to remove these inquiries that do not belong to me. I have not received an application or information on how these inquiries that I did not apply for credit on are on my credit. I need help clearing this up. The list of inquiries are below. 
These inquiries are fraudulent. They are not mine. 

XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX
Consumer complaint received 2017-04-13
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NM)

On XX/XX/2016 I noticed my debit card was lost. I called Bank Of America immediately checked my balance and it was off. I spoke to the fraud department and filed a claim for XXXX transactions for the amout of {$500.00} each which equals to {$1000.00}. The transactions were made from a XXXX XXXX ATM on XX/XX/2016 @ XXXX XXXX. My claim was denied even after i had filed a police report on XX/XX/2016 with the city of santa fe police department. I reopen the case on XX/XX/2016 at XXXX and was denied again. I tried all i can to speak to them about the claim and they tell me that unfortunately they are not the ones working on the claim but will put notes for the individual working on my claim. I asked multiple times if the person working on my claim can please give me a call back which i never received. I did speak to several supervisors and all would tell me the same thing that since it was not a Bank Of America ATM they have no rights to view footage. They told me i had to get that done on my own so I went to the XXXX XXXX where the ATM was at and spoke to several bankers and managers they did me the favor by contacting their fraud department which they could n't do that for me I had to have a subpoena in order to view the footage from ATM. they told me that was strange that BOA should of taken care of it, they can also view footage with subpoena each bank have their own lawyers. Well, i was running up and down calling places, I have invested a lot of time in this whole mess, i had sleepless nights and just overwhelmed overall. My account was closed by them due to it was on the Negative {$76.00}. I had kept the account open due to they said i had to remain my account open since there was a claim. I was very upset with their service i took the money i had left over. Over time the monthly fees accumulated and so did Overdraft fees which was what caused me to go negative. I feel that all my rights as a BOA consumer have been violated. Claim Number is XXXX My account number is XXXX
Consumer complaint received 2017-03-16
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY (NJ)

My mortgage was sold b y Wells Fargo t o this company.  XXXX  states that  my 1st p ayment was due  XXXX   XXXX  when my loan was n't acquired by them till  XXXX   XXXX .  Wells Fargo  was deducting the money from my checking account bi-weekly.  Wells Fargo  shows that they forwa rded the one p ayment that they took to  XXXX . I have spoken to multiple people at  XXXX  asking why my funds have n't been credited to my account. They claim they never received them fro m Wells Fargo . I fax them proof and they just state they are looking into it. This has been going on since  XXXX . It is now  XXXX . I have spoken to at leas t 20 p eople and no one can come up with an explanation as to where my money has gone. When you google their name this has happened to many other people as well. I want to know how I can owe them money due  XXXX   XXXX  when they did n't purchase my loan till the  XXXX , where my money has gone  that Wells Fargo  states they forwarded to them, and finally they say I ca n't do bi-weekly payments because of the terms of my loan when  Wells Fargo  was doing them. They have lied to me repeatedly. They have not credit my money to my account that was giving to them by  Wells Fargo  since  XXXX . This is horrible that a company can do this to you and you have no choice or say because your loan was sold to them.
Consumer complaint received 2017-04-10
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Performant Financial Corporation (NC)

I have repeatedly requested a " pay-off '' statement from  XXXX   XXXX   XXXX   XXXX   XXXX  on behalf of Pennsylvania Higher Education Assistance Agency '' ) in relation to a loan I 've been paying on-time and regularly every month for more than 10 years. I have received no response. I have been wanting to pay the entire balance owed, and their ignoring my request has caused me to unfairly continue to pay interest.  XXXX  / Account #  XXXX .
Consumer complaint received 2017-04-10
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: CITIBANK, N.A. (FL)

Citi bank loan number XXXX for {$6900.00} transferred the loan to XXXX and they illegally posted in on my credit XX/XX/2017 causing my credit score to drop with all XXXX reports by XXXX points This is the same existing loan that has been on my credit for seven years due to drop off that we just investigated a month ago. since investigation they reported as a new credit collection. This loan is to fall off XX/XX/2017 please confirm this date as well. 

please look into this - I would like it removed. 

This loan has a drop
Consumer complaint received 2017-04-11
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Norwich Commercial Group, Inc. (CT)

I applied for a mortgage with my existing company, Norcom Mortgage, in XX/XX/XXXX and the credit report pulled at that time did not show any mortgage late payments. Due to property availability issues, my credit had to be pulled again in XXXX, this time Norcom reported XXXX, separate 30 day late payment marks on my credit report. Obviously, this came as a surprise to me as two months earlier, there were zero late payments reported. The late payments show up starting in XX/XX/XXXX and run all the way up to XX/XX/XXXX. I have bank statements that show every payment made to Norcom Mortgage from XX/XX/XXXX to today 's date - all of which are NOT 30 days past due. I have tried to resolve this with separate calls to Norcom to have my credit report updated so that I can get a new mortgage, but nothing is happening. It is impossible for me to be approved for a mortgage now with this happening. This puts me in a very difficult situation because now that Norcom pre-approved me to buy a new house, we have since listed our existing home for sale - and have a contract for someone to purchase this house, as well as we have entered into a contract for us to purchase a new home, believing that we have the green light to do so. Now, unless this is remedied quickly, I am at risk of losing both the sale of my existing home and the purchase of our family 's dream home.
Consumer complaint received 2017-04-10
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Rosebud Economic Development Corporation (MI)

Out of sheer desperation I applied for a {$500.00} loan XXXX/17. 
I had no knowledge that with each payment only {$10.00} would be applied to the actual loan. As of today I have paid {$690.00}. I called this company @ XXXX and requested they stop coming out of my checking account. I asked this because it is impossible to pay them off without detrimental to my finances. I was hun up on.
Consumer complaint received 2017-04-11
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Conn's, Inc. (TX)

I purchased furniture from Conns on XX/XX/XXXX and I 'm totally disgusted with the quality of the furniture. I purchased a XXXX camel sofa, loveseat and chair, a XXXX queen size mattress with a box spring and queen frame. After tax, down payment, property damage insurance and finance charges, the charges totaled {$2800.00}. I 'm on a 30-month payment plan and so far, I 'm halfway through paying for this junk. Within a few months of having the furniture, the legs on the sofa, loveseat and chair broke. And the mattress had severe depression in it. I had to call the repair technicians five times for repair ... three times to repair the sofa/loveseat/chair for the same broken legs and flattened seat cushion, and twice to examine and then replace the queen size mattress. The sofa continued to have the same problem with the legs but I had XXXX in XX/XX/XXXX and was unable to deal with the repair at that time. My recovery was slow but I was able to call Conns back in XX/XX/XXXX about another sofa repair for the same issue but I was told that the manufacturer 's warranty expired on the furniture in XX/XX/XXXX. And, I was told that the only option I have is to purchase an extended warranty or pay for the service repair if a technician comes out. I 'm not doing that. This furniture is n't worth me spending any more of my money on it. 
The last time the sofa was repaired back in XX/XX/XXXX, I was told by the repair technician that a lot of their customers have the same problems with the XXXX sofa set that I purchased and that the company will try to repair it before replacing it. My set should have been replaced but each time the technician came to my house, he repaired it but I keep having the same problem. The wooden dowels in the sofa are small and the repair tech only replaced XXXX dowel in XXXX leg of the sofa ... but even it broke again. And, the depression in the replacement mattress is worse than the depression in the original mattress. I was told that there is still a warranty on the mattress so I 'll call repair to try to get the mattress replaced a second time. 
On Monday, XX/XX/XXXX, I was told by XXXX, a customer service rep in the XXXX, TX corporate office that it 's my ( the consumer 's ) responsibility to notify the manufacturer about faulty merchandise. I told her it 's Conn 's responsibility to stop selling this faulty junk especially when they know it 's no good. There has got to be something that can be done because Conn 's is taking advantage of consumer 's who are credit challenged by providing them with poor quality merchandise. Since the mattress is still under manufacturer 's warranty, I 'm going to attempt to get a better mattress this time but I need to know if there 's something that I can do about the furniture set - It should have been replaced but because the technician did n't make the recommendation, they wo n't do anything about it. PLEASE HELP!!!.
Consumer complaint received 2016-05-09
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (MN)

just a quick note I 'm not talking about them the creditors I 'm talking about you! Send me the information that I asked you for Months ago. seems like you do not have it. the way you been dragging your feet! Please send the documents to me..
Consumer complaint received 2016-09-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am trying to get XXXX of the collection account off my credit report because the item does n't belong to me. I disputed this account with the credit bureaus and they keep on saying that the item belongs to me. I disputed this account directly to the collection agency who are furnishing this information but they are sending letter back to me saying that the items belongs to me without any documentation to support this actually belongs to me.
Consumer complaint received 2016-08-15
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Qualify for a better loan than offered
Company: Navient Solutions, LLC. (MI)

I took out XXXX private student loans in XX/XX/XXXX and XX/XX/XXXX totaling {$30000.00}. Although I never obtained a position in the field that I was studying for, I did have gainful employment. Unfortunately, due to job loss, I had to file for Chapter XXXX bankruptcy. I am now working in a successful position ( still outside of the field in which I studied for ) and my bankruptcy has been discharged, however my student loan has more than doubled. The interest rates on both loans are 11 % and 13 %. This is going to put me back in a very difficult financial position and hinder my ability to pay for my daughter 's college tuition once she graduates from XXXX next year, perpetuating the vicious cycle of student loan debt.
Consumer complaint received 2018-03-19
Product: Debt collection — Private student loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Navient Solutions, LLC. (NM)

Repeated calls to my employer, family members and contacts of mine asking for personal information about me .... I have not received any calls, messages or mail directly to myself regarding the matter. 

Ive notified them by emails as well as verbally to not contact or harass these people
Consumer complaint received 2016-09-27
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Mandarich Law Group, LLP (NV)

Filed CFPB dispute towards XXXX XXXX. XXXX XXXX responded in a timely fashion and stated that they would contact Mandarich Law and have false judgement vacated. To date no action has been taken to vacate the judgement. I have attached a copy of the original CFPB complaint and response from XXXX which has XXXX 's response highlighted in yellow. 

I have attempted to contact Mandarich Law at XXXXXXXXXXXX and tried to reach via phone.