davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-11-18
Product: Credit card — 
Issue: Application processing delay — 
Company: CITIBANK, N.A. (CA)

I called Bloomingdales to follow up on an application to upgrade my Bloomingdales Store Card to the Bloomingdales American Express. I had not heard from them in about a month since working with a manager and some online department for an application that seemed to freeze in their system. I was transferred to credit and she said she could reconsider the application and placed me on hold ... shortly later she came back and said it was declined and she could not do anything. I asked what credit report they had used last month and she said no, I pulled a credit report today! I said, WHAT? You NEVER mentioned pulling credit today and I did not agree for credit to be pulled today, you all have been working on this application for over a month and that is not my fault. So I asked her to recode the pull a Soft pull or remove the hard pull because she did not have my permission to pull a new credit report. She stated matter of fact and defying " That 's not going to happen! " I 'm appauled that these banks just do what they want and damage consumers credit reports and then give us higher rates and deny loans because of all the actions they take with pulling credit all the time and such ... Macy's/Bloomingdales is # 1 Preditor for doing this, all you have to do is head over to any one of the credit boards like XXXX and you can see post after post of consumers ending up with hard credit pulls from Macy 's and Bloomingdales with NO communication or permission that it was going to happen. They need to be stopped.
Consumer complaint received 2015-11-11
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CT)

Portfolio Recovery, Colorado? Collection Agency, asked them to send me snail mail about account. XXXX XXXX persists in calling and not leaving messages. I told him I was hard of hearing and could n't talk but should have gotten his address and contact info, but hung up on him. Persists in not telling me what account he is trying to collect both on phone and in mail. The credit card company is supposed to contact me and tell me what collection agency is being used. I never got one for this collection agency. Also, if the credit card company is going to have this on my credit report I should be able to pay them and not a collection agency.
Consumer complaint received 2015-07-10
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (TN)

I have XXXX XXXX accts that have been sold to a XXXX party collection agency. Negatvies being reported by XXXX AND the new company ( XXXX XXXX ). so, instead of XXXX delinquent entry, all credit reports reflect XXXX delinquent entries. I feel this is a double jeopardy scenario. I do not feel that any of the XXXX major credit reporting bureaus have done anything to help me. they have attempted to pacify me with phone calls and offers of reduced rate credit monitoring services. they have done nothing to actually resolve my dispute up to and including investigation into my issue.
Consumer complaint received 2015-11-17
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC. (CA)

I put in a dispute, on XXXX/XXXX/2015 it was updated and no changes were made, I called the CRA ( Equifax ) and was told, that the government agency ( Social Security ) vouched that the debt was correct, even though I had sent them a notice and proof of payments to show it was not. ( I am unable to contact the department who reports to the CRA for Social Security, and I have even mailed them directly, they are a subcontractor of the Social Security Administration, and their address according to the postal service is not valid ) The CRA resubmitted the dispute to the government agency a second time on XXXX/XXXX/2015 and my second request has expired rather than the CRA notifying me, and the item has not been removed from the my credit report, further penalizing me for a debt that amount that is inaccurate. Since this time an Administrative Law Judge for Social Security has reviewed my case at the request of my federal representative and the balance of {$31000.00} has been reduced to {$6900.00}, I also uploaded a PDF of the judgement from Social Security with a new account number, my previous debt account is now being used for a dependent debt and is not collectible on my credit report, and yet the balance and account numbers are still showing on my credit report incorrectly, and the information has not been changed on my credit report, nor updated by the CRA, or Social Security, who only seem to report changes one time per year .... and it is now XXXX XXXX 2015.
Consumer complaint received 2016-03-12
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: JPMORGAN CHASE & CO. (NV)

Jp morgan chase hired debt collector to file a law suit against me regarding my credit card debt. The debt Collector got a judgement against me to collect property, wages, bank accounts etc. i became aware of this because my bank funds were gone today XXXX/XXXX/16 The attorney general in XXXX states and XXXX filed a case against chase for these unfair practices and won the case last year. The debt collector chase hired has n't stopped their unfair collection practices eventhough case against chase has been won and chase is not abiding by the settlement agreement/order against them as they havent stopped this debt collector. I called the attorney that seized my bank account and they claim to be unaware of the case against chase nor to desist collection for chase. I told them i was filing a claim at the attorney general because of the lawsuit against chase snd the attorneys secretary said to go ahead. 
i have been harrassed by them in numerous ways in the past with phone calls and people waiting for me outside my house during the time i was getting XXXX and had to be XXXX at home. 
The amount claimed due to chase was never properly verified by chase nor rid chase notified me that the debt was being sold. 
I got into a situation of not being able pay chase due to their predatory interest increase. I was dealing with battling XXXX, then unemployment and divorce. My home is being foreclosed on too. At some point i remember informing chase i was going to file bankruptcy.
Consumer complaint received 2015-07-02
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (CA)

Chase Bank and I open an account XXXX/XXXX/15. Shortly thereafter I receive a notice ( and check ) we 've closed your accounts. Chase says if you have any question call XXXX. I call and I am told reason for the closure is fraudulent activity. After my concern I call asking who is responsible for any fraud. There are only XXXX parties involved, XXXX or Chase Bank. Chase at XXXX changes the subject and will not answer any questions. Within my Chase accounts there are XXXX bonus I expected to receive. I have met the requirements. Chase comes to me promising bonus and then changes their business tactics. 









i recieve a
Consumer complaint received 2015-07-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: CURO Intermediate Holdings (LA)

I file chapter XXXX bankruptcy on XX/XX/XXXX. It was dismiss on XX/XX/XXXX, the case was reinstated to a chapter XXXX on XX/XX/XXXX. My case was discharge on XX/XX/XXXX. I keep calling and mailing my bankruptcy case information to this company, and they failed or wo n't updated my credit report with XXXX to reflect the correct information. This company just did a update as of XX/XX/XXXX to collect on this account still showing a open collection on XXXX and XXXX.
Consumer complaint received 2015-09-29
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO. (OK)

I have a checking, saving and a credit card from Chase bank on XXXX XXXX XXXX in the morning Chase alerted me to a fraud attack on my check card XXXX charges. I called in XXXX that morning I find XXXX more, XXXX from the some company the other from another company on XXXX done XXXX in the morning. Chase took care of the charges, closed the account and ordered new cards great. Then I start seeing charges from the closed account on my new account so I called I was told that setup payments would still be made out of closed account on my new account. I mad and scared at the time, I told Chase this could happen he told no it could not boy was he wrong on a recorded line too, the people that have my card can setup payments if they like under different company names which my have happened on XXXX for {$49.00} XXXX cleverbridge. My husband or myself did not order it so I have to now have my new account closed again and reopened yet again. Another person that would stop in a couple of days two weeks it is still happening.. I have XXXX more charges from my old account on my new account. Now on what they have done to with our checking. We had a scam/fraud company playing with my husband 's federal student loans that they did not do anything with. We payed them XXXX payments of {$230.00} each XXXX in XXXX, XXXX in XXXX. We were told by the student loan people to be charge backs the bank stated they could not help us it was not 90 days old. If they treat us this way how many others have they treated this way.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IN)

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!
Consumer complaint received 2016-03-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

XXXX XXXX, I REC'VD A XXXX FROM XXXX XXXX XXXX OF XXXX, MN ... CALLED THE XXXX # ON THE FORM, WAS TRANSFERRED TO A XXXX LAW WHERE I WAS TOLD IT WAS AN OLD DEBT FROM XXXX, LAST ACTIVITY WAS IN XXXX, BANK OF AMERICA WAS THE ORIGINATOR, WAS SOLD TO DIFFERENT CREDIT AGENCIES OVER THE YEARS AND THAT XXXX WANTED TO GET IT OFF THEIR BOOKS SO THE XXXX WAS ISSUED
Consumer complaint received 2016-02-08
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Westlake Services, LLC (NJ)

REF : XXXX XXXX DO NOT KNOW ACCOUNT NUMBER, BUT THE HOME PHONE BEING CALLED IS XXXX. 

On XXXX/XXXX/2016 a number of my family memeber 's receive a phone call from this number XXXX X XXXX and told ask for XXXX or XXXX spoke to them, looking for my son XXXX XXXX. Please note this company goes by multiple numbers. The phone number they call from is not always the same. 

The company goes by the name of Westlake Financial Services. 
They call each person cell phone number. The caller was very harassing to others. They also call the grandparents of my son, who are senior citizens, who call me very scare, upset and feeling money needed to be given on their part. On one cell phone they are calling is minor line. 

Nevertheless, this company has call my home every 1/2 hour from morning to night, leaving one message to another, over and over again. 

On XXXX/XXXX/2016 the same company call the home in a hour period every 5 min. My son stated they call his cell phone number every hour and at times every half a hour. My son stated he spoke to this company about all this and refuse to listen. 

At times these calls has appear to be threaten phone calls. The caller reveal that my son XXXX XXXX has debt with them and from there becomes very harassing. With some phone calls they ask 3rd party to call them back. This company left many messages with the 3rd parties, about XXXX XXXX. Some of the people they call are upset and scare.We think this company went to far and this why we are filing a complaint.
Consumer complaint received 2016-02-04
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Radius Global Solutions LLC (TX)

I was owing XXXX {$1800.00} and the account was sent to Central Credit service for collection. I called Central Credit services and they told me to do a pay off .We agreed on a payoff of $ XXXX.I paid {$1200.00} and i expected the collection to be taken from my credit.I checked my credit and i discovered that Central Credit Services put it in my credit that i still owe $ XXXX.I called their office and i learnt that the debt is for someone else.I dont understand why i should have an account belonging to another individual, in my credit because we share the same surname. I tried every effort to get this resolved but Central Credit Services is not making any effort to help me out.Central Credit service put another individual in my credit because we share the same last name.
Consumer complaint received 2015-07-25
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (MN)

Since The United States Bankruptcy Court has discharged my debts, I have been trying to get Wells Fargo to take this property in the form of a deed in lieu of foreclosure. The foreclosure process in NY is judicial, so it takes two years. That 's too long and serves nobody 's interest. I 'm trying to speed things up with a deed in lieu. 

I 'm amazed at the resistance and red tape involved in simply conveying a property back to Wells Fargo after a bankruptcy. I have two concerns:1. Privacy. Wells Fargo is asking me to explain deposits in my checking account post bankruptcy. My fresh start is well underway. This information is none of Wells Fargo 's business. These deposits were my tax return. I incurred huge losses and this was reflected in my tax return. Also, I received some back rent in a lump sum for another property not associated with Wells Fargo. This rent went immediately to paying for cesspool repairs on the property not associated with Wells Fargo. Why do I even have to explain this? It happened after bankruptcy. The Wells Fargo property has n't been rented since XXXX. No income from this property. I 'm in bankruptcy. Debts have been discharged. Wells Fargo should take this property. 

2. Inordinate delays. Wells Fargo keeps assigning me new Home Preservation Specialists. This is n't about preserving. It 's about deed in lieu. I have been assigned XXXX different Home Preservation Specialists. Turn over in this department is high. These people are on the career path. Thus, each XXXX of them is compelled to request a document or ask a question so they can advance. It must be working for them since I have had XXXX of them. It all results in delays. This has been going on for months. I 'm tired of it. It 's time for Wells Fargo to do the deed in lieu.
Consumer complaint received 2015-04-22
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: WELLS FARGO & COMPANY (GA)

I contacted my bank ( Wells Fargo ) regarding a debit from my account from XXXX that I did not authorize. I filed a claim for {$220.00} then {$90.00}. I was issued a temporary credit while they investigated. On XXXX, I received a letter stating the investigation was closed and I authorized the transaction. The letter stated I could call the number and receive documentation that made my bank reach that judgement. The letter also stated that the temporary credit will be reversed " 5 business days after XXXX/XXXX/15 ''. I called customer service to get information about my claim. I was told that it was closed but they still are in arbitration with XXXX and I may in fact get my money back. They told me that XXXX has until XXXX XXXX to respond again. I asked if they are still working to get the money back, why are they needing to reverse the credit. I was told that at that point they had to. No real answers. On XXXX/XXXX/2015 after XXXX, the credit was reversed. I had outstanding debits because I was expecting them to reverse the credit when they said they would. I called and requested to speak with a manager. I was told they will have a manager call me back within 24-48hrs. No call back. I received a bill from XXXX, showing where they reversed the payment of {$220.00} and put it back on my bill. I contacted customer service on XXXX, letting them know that XXXX reversed that. I wanted to know why if XXXX reversed it, why is my bank stating that the money was with XXXX. I also let them know I never received a call from manager. The representative stated no one was available to assist me since it was escalated to manager, so I must wait for a call. She put in a XXXX request. This is XXXX and I still have n't heard anything.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

Per *FCRA Section 602 15 USCS 1666b a creditor may not treat a payment as late for any purpose. Please immediately remove this inaccurate, unlawful late payment from my credit report.
Consumer complaint received 2024-08-22
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: Fidelity National Information Services, Inc. (FNIS) (TX)

Chex Systems XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX RE : Consumer ID # XXXX To Whom It May Concern : It has been brought to my attention that XXXX XXXX XXXX XXXX XXXX has listed ACCOUNT ABUSE on my Chex Systems XXXX, dated XX/XX/2024. To my knowledge, I have never had ACCOUNT ABUSE with XXXX XXXX XXXX XXXX XXXX. I am therefore writing to request full validation of this debt as is my right underneath the Fair Credit Reporting Act. Specifically, I am requesting full validation from [ name of bank ] including copies of any documentation associated with this [ negative listing ] which bear my signature. In the absence of such documentation, I request that this [ negative listing ] be permanently removed from my Chex Systems report ASAP.
Consumer complaint received 2015-07-18
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF THE WEST (CA)

I have close a life insurance which was taken our of my account automatically. I called the company and they say it willi be cancell. Then I did n't have funding for it. I called bank of the west XXXX number and they tell me they ca n't do anything about it so i have to call bank of the west here on XXXX. So I called and the Lady and we and says she will take care of it and my account will be close. I refuse to pay a life insurance of {$6.00} and bank of the west keep on charging me everyday that I have no money to pay. I dont feel its right to treat poor people like that.
Consumer complaint received 2016-01-05
Product: Money transfers — International money transfer
Issue: Money was not available when promised — 
Company: Ria Envia, LLC (NJ)

Ria Financial Services ( aka Ria Money Transfer ). Transfered {$2000.00} ( order XXXX ) to an account in XXXX and they were supposed to credit the money on XX/XX/2015 - as stated in their website. Money has not been deposited yet and all they say is they will contact the bank. XXXX 's customer service is the worst ever. Once the transfer was delayed, they did n't call me or emailed me, I had to call them to ask what was going on. And they do n't have an answer or solution. Also they state the transaction as completed!
Consumer complaint received 2015-09-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (AL)

State of florida child support delinquency collection charge offor set up payment plan XX/XX/XXXX. never got current on delinquency butcharge off account transfered to state of alabama XX/XX/XXXX. They are refusing to correct the origional delinquency date to XXXX insisting that they consider the origional date as when they took the account.
Consumer complaint received 2016-01-19
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (TN)

I received a new telephone number when I bought a house last spring. Obviously, the persons before I got this number owe everywhere. I received LOTS of calls for them and most companies have quit calling. However, ERC keeps calling and leaving automated messages regarding a debt. I have spoken with them NUMEROUS times to remove my number. Even being polite with them, I have been ignored and hung up on in mid-sentence. I do n't know what else to do. This is absolutely not my debt and I have no idea who the people are they are trying to reach. Again, the company is called ERC. Their number is XXXX, and the reference number they left is XXXX. My phone number that they keep calling is a landline XXXX. I work out of my home and I use this line for business, fax, etc. Please help me stop these calls because I do n't know what else to do! It has taken valuable time out of my work day every time I have to answer, call back, delete messages, call them back and so on and so on. This has been going on since XXXX 2015. Just got called again this morning. 

Thanks and have a great day. 
XXXX XXXX XXXX