davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-29
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (IN)

Every year I have to re apply for the income based repayment option because I can not afford to pay {$700.00} to {$800.00} per month for my student loans. You have to apply prior to the plan running out. And each year I apply at least a month before as suggested and it still takes months to get it to go and in the mean time I am put on deferment or forbearance. I do not like these options it does nothing to assist with the interest at all so the balance keeps getting larger and larger. Each time I apply I provide my paystubs showing my income and I even provide a break down of the bills I have to pay each month as well as how many live in my home and my spouses income. Every time they keep asking Repeatedly for the information I have submitted over and over. Navient has also make it more and more difficult to locate and print out the application needed to apply. You have to call them to get someone to navigate with you to get the forms and while doing this they are attempting to collect. The automatic repayment amount of 1 % of the loan balance is way out of reach for most if not all borrowers. When you have over 30,000.00 in loans paying XXXX on top of mortgages, rent, car, insurance, utilities ect this 1 % is not feasible at all. This needs to be rethought out by the government. It needs to take into account the borrowers debts not simply their gross income. But what they are bringing home and what living expenses they have.
Consumer complaint received 2017-06-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY (SC)

While booking a delta flight on XX/XX/2017 I saw an American express ad that said that I would get a {$100.00} bill credit if I signed up for the delta amex card. I signed up for the card, was approved, and completed the transaction. However, I later found out that an unknown error resulted in my transaction not completing. <P/>After I logged into my new American Express account on X/XX/17 I noticed there were no charges so I called American Express. The Amex representative I spoke with wasnt able to answer why the transaction wasnt listed on my account. I then told the representative that I didnt want to make the purchase if I wasnt going to get the bill credit. The representative assured me there wasnt a problem, and that I would get the credit as soon as I made the purchase. <P/>I followed the representatives instructions, but after making the purchase I was deigned the credit. I was told this was due to my having a Delta American Express card several years earlier. Further, I was told this information was clearly given to me when I signed up which is not true ( I have screenshots of the whole process that shows irrefutable proof ). Despite what American Express says, I believe that I should still receive a credit for the following reasons : 1. I called Amex before making the actual purchase and explicitly asked the representative if there would be any problems regarding my getting the credit. The American Express representative assured me that I would get the credit as soon as I made the purchase. <P/>2. There is no clear indication that prior card membership excludes a person from receiving the credit, and it appears that American Express went through a lot of trouble to intentionally hide this information. ( I have unbelievable screenshots documenting this ) 3. Due to a XXXX XXXX I would have problems finding a single clause intentionally buried in a contract. The only way I could reasonably expect to find out about this information is to call, which I did. <P/><P/><P/>[ screenshot available upon request ] ( As you can barely see, there is LITERALLY a whole section of print that is hidden from the customer. You can barley see the tops of letters from a whole other section of completely hidden/unaccessible text. This information isnt available by scrolling or any other method that I could figure out. There is a star * after the first line item, but there is no legend or key that explains what this means. ) [ screenshot available upon request ] ( actual screenshot of failed ticket purchase on X/X/2017 - no indication about prior credit card restriction ) [ screenshot available upon request ] ( Screen shot of actual temporary card - still no indication of credit restriction )
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. 

Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXX XXXX XXXX
Consumer complaint received 2017-06-29
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: JPMORGAN CHASE & CO. (NY)

On 1XXXX16 I purchased {$7700.00} worth of what were supposed to be refurbished phones from a company called XXXX XXXX. The phones were not refurbished and therefore useless to me. The sales rep took full responsibility initially and told me he would take them back. His manager refused to take them back. They claimed they sent me theire " no return '' policy but I never received it. In the information technology business, it 's unheard of not to stand by the products you sell unless you happen to be completely unethical. I tried to contact the owner to resolve the dispute and he would not return my call. I then immediately disputed the charge with the credit card company. I provided evidence from my email that no policy was ever received by me. I had done one transaction prior witht he company in which they purchased equipment from me and that went very smoothly. I had no reason to believe this purchase would be a different experience. I returned their equipment at my expense. They refused delivery. I am currently in posession of these phones and completely willing to ship them back in return for a refund. The phones are virtually worthless and I have been a victim of a very unethical company. Chase Inc. has decided it is a valid charge despite the fact that I never received any return/refund policy.
Consumer complaint received 2017-06-29
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: CHECK INTO CASH INC. (CA)

Check Into Cash in XXXX California has breached their contract with me. In regards to the contract for an Installation Loan I took out with them, I agreed to pay {$170.00} bi-weekly on my pay day. Check into Cash withdrew {$170.00} on XXXX XXXX 2017 which was authorized. The following week, XXXX XXXX, they withdrew another # XXXX which was not authorized because I do n't get paid on the XXXX week in the month. the manager name XXXX has my file that includes my pay stub and my pay day weeks. After several phone call, on Wednesday, XXXX XXXX the Manager told me she would " look '' into it and that it was " sitting on her desk ''. She agreed to get back to me. I never received that phone call so I continued to call her in regards to this issue. She agreed that the withdrawal was a mistake and was n't sure how it happened and will call back. When I did n't get a call back, I waited until the following day to contact them but she was NOT in the office. I spoke to someone who claimed to be the Assistant Manager but would not give me her name. I 've spoken to her twice and she has been very rude and avoiding the issue. I 'm still waiting on my phone call back from her to give me resolve on this matter. My fear is that Check Into Cash - XXXX California will try to take another {$170.00} from my bank account on Wednesday, XXXX XXXX ( which is my pay day ) However, this would be unfair as a consumer as they have already billed me twice. I do n't have a bank statement yet as it is too early and wo n't get one until next week. I am willing to provide it later in the process. I filed a complaint with my credit union - XXXX XXXX XXXX, the BBB. This company is taking advantage of hard working people trying to survive. Please, I ask that you help me in resolving this matter. I can be contacted via email and phone number. Thanks XXXX XXXX XXXXXXXXXXXX XXXX
Consumer complaint received 2017-06-28
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO. (CA)

I had a home for 15 years through JP Morgan Chase  XXXX   XXXX   XXXX   XXXX , CA  XXXX  And put {$600000.00} through the course of 15 years and I was in active bankruptcy and the home was taken from me. Also, I qualify  as one of the homeowners who go wrongful foreclosure through JPMorgan Chase.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Dates : XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( Listed as a late payment ) XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( Listed as a late payment )
Consumer complaint received 2017-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: WELLS FARGO & COMPANY (AZ)

on yearXX/XX/XXXX or XX/XX/XXXX I was a client of Wells Fargo I had a debit card that I overdrawn and never paid back I also never closed the account. OnXX/XX/XXXXwhen I had a stable job I decided to start applying for credit cards to build up my credit, I downloaded an app called XXXX XXXX and I got a big surprise I had horrible credit,a big debt of XXXX from XXXX XXXX XXXX I called and they told me it was an account from Wells Fargo and I agreed to pay XXXX a month to pay off the balance because I thought this was the debt from my overdrawn account, I paid XXXX dollars a month for about 6 months until I went to Wells Fargo to see if I could get a second opportunity checking account since I was "supposedly" paying off the debt on my old checking account, and then another big surprise for me, the personal banker told me I owed XXXX from my checking account and that no payments where made to my account I got out of the bank and called XXXX and they told me the debt was about a credit card. I told them that I wanted to stop making payments to the balance since I never requested, authorized or open the account, I made a fraudulent activity the XXXX  and I really want this out of my credit because it is really affecting me.
Consumer complaint received 2017-06-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

There is XXXX XXXX XXXX account that are NOT mine, XXXX was open X/2016. This needs to be removed it is fraud and again NOT MINE
Consumer complaint received 2017-06-29
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

XXXX XXXX 's grandson, XXXX XXXX, was hospitalized for XXXX XXXX while on vacation in XXXX. XXXX Hospital required cash up front. XXXX XXXX initiated a {$5000.00} wire transfer at XXXX XXXX. The money was held so long at the intermediary bank, Bank of America, that the family had to initiate payment via another option. XXXX XXXX requested the money back from Bank of America. Bank of America asked that we ( XXXX and XXXX XXXX ) contact the XXXX Hospital and XXXX bank in XXXX, XXXX. XXXX and XXXX 's daughter, XXXX XXXX, did everything that was asked of us. Bank of America closed the case without resolving our issue or ever speaking directly to any of us. On top of that XXXX XXXX XXXX XXXX XXXX, our family feels victimized once again by Bank of America.
Consumer complaint received 2017-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: GLA Collection Company, Inc. (OH)

I had XXXX XXXX XXXX XX/XX/XXXX at XXXX 's XXXX 's XXXX XXXX in XXXX, Kentucky. My XXXX was approved for this XXXX and I called XXXX to let them know I had received a letter showing my acceptance. I also took the letter to XXXX financial office for them to make a copy. In XX/XX/XXXX I looked at my credit report and found I had 2 accounts from XXXX for non-payment. One was from XX/XX/XXXX in the amount of {$3700.00} from XX/XX/XXXX. The other was from XX/XX/XXXX in the amount of {$520.00} from XXXX XXXX XXXX for my son, who was covered by XXXX at the time of these tests. I contacted the local XXXX office to discuss the account not being paid. The XXXX office printed out paperwork for me to show XXXX of our coverage for these charges. When I took the paperwork to XXXX financial office, they told me XXXX would not pay them because it had been over a year. I returned a couple times and was told there was nothing they could do. I sent my information to XXXX, XXXX, and XXXX. No response from XXXX, XXXX said nothing could be done, and XXXX returned my envelope unopened. I have tried many times to get this settled, but have had no luck.
Consumer complaint received 2017-06-29
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: Experian Information Solutions Inc. (SC)

I sent verification to Experian from the The United States Bankruptcy Court ( District of South Carolina ) to show proof that : I challenged the accuracy, compliance and reportability of this listing. The United States Bankruptcy Court do not provide court records to credit bureaus or third party vendors. So how and from what source did they ( Experian ) investigate and or reinvestigate this information. I provided proof of the credit bureaus error in reporting. The public record should be removed. attached is the response and dates that were sent to me. I also have a problem with the time frame in which they said that investigated. All records, letters and proof is attached. The state that i need to have more proof the letter form the court is more than sufficient.
Consumer complaint received 2017-06-29
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MO)

I have sent a certified letter to Portfolio Recove ry Associates LLC. and aske d them to send me all of the information in the letter that had all of the information that I am asking for. I have all of the letters and copies of the information that I am asking for. They did not give me all of the information that I asked for. They are still wanting my to pay this debt but I asked for information and they did not give me everything that I asked for. I gave them 60 days to take care of this debt and they have not taken care of the debt at all.
Consumer complaint received 2017-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CT)

In XX/XX/XXXX, I leased a brand new XXXX through XXXX credit company. In XX/XX/XXXXI paid my payment a little late and they applied it to the XX/XX/XXXXpayment early. The next payment I made was applied to the XX/XX/XXXX payment, the next to XX/XX/XXXX, etc. So basically my account ended up showing FIVE months late because they never applied my payments to that XX/XX/XXXX bill. I was NEVER notified that my account was showing anything but current. In XX/XX/XXXX the vehicle was totaled and paid off completely by insurance. We 've disputed this with them on several occasions and have been given the run-around every single time. Getting them on the phone is almost impossible and only one person ( out of the about 20 we 've spoken to ) spoke English, so it 's very hard to get anything done. They are a horrible company to work with and do n't care that they made a mistake and have made zero effort to fix it. XXXX and XXXX have removed it but it is still showing on Experian despite the fact that we 've disputed it several times.
Consumer complaint received 2017-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MN)

I have a credit card from Bank of America. It is a XXXX credit line that requires pay off each month. For approx. ten years I have had card and used it for the rewards. <P/>I received a letter dated XX/XX/XXXX, that Bank of America had closed my account because I had too many open trade lines, and had high balances on other cards. <P/>Never missed a payment or been late on this account. ( or others in the last 2 years ) Letter indicated any rewards I had would be forfeited. I had XXXX points in rewards. I did not close the account, nor did I do anything to invoke having my account closed- I know you have accounts at the " leisure '' of the financial institution, but without being guilty of any type of misconduct, I feel it is inappropriate for them to keep my points, I earned them via XXXX XXXX, which I PAID for since I paid the balance off each month. This was not a revolver, so if its paid, the rewards are earned. <P/>This is a terrible way to take advantage of customers. This is Bank of America.
Consumer complaint received 2017-06-29
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 disputed a bankruptcy on my credit reports back in the begging of the year. On XX/XX/XXXX I sent a letter to the XXXX Federal Court ( US Bankruptcy Court ) in regards to how they verify Bankruptcy to the Credit Reporting Agencies ( Experian, XXXX, and XXXX ). I received a letter back from the court on XX/XX/XXXX stating that they do not provide information to credit reporting agencies. On XX/XX/XXXX I sent the letter from the court along with my letter asking them to validate this information with the Bankruptcy court and provide me with copies of any documentation associated with this account bearing my signature. They did not provide the information requested in the time allotted as per Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ).
Consumer complaint received 2017-06-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Jacob Law Group, PLLC (AL)

XXXX XXXX XXXX XXXX XXXX jacob laww croup pllc has refused to send any validation information of this alleged debt we have tryed for years they are all in violating Federal law on multiple accounts and threats.
Consumer complaint received 2017-06-29
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO. ()

This guy made a transaction on XXXX XXXX 2017 from Jpmorgan Chase Bank New York to XXXX in XXXX. The fund available to recipent should be on XXXX XXXX 2017. But till now the money still not credit to the XXXX Account. i checked with this guy he said the money in on hold, due his default. i think he is telling lie. i wonder the consumerfinance are able to help me on this. i have transferred XXXX {$8700.00} from my XXXX XXXX to his provided bank account in XXXX. but he ask for more and threaten me that if i am not helping him again, his account in Jpmorgan Chase Bank will hold his transaction to me. i hope consumerfinance able to help me on this. XXXX {$8700.00} are my saving, i feel XXXX XXXX if i ca n't take back. <P/>i hope to hear from you soon. Thank you
Consumer complaint received 2017-06-29
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: EQUIFAX, INC. (GA)

There is a bankruptcy in my file, I have reached out to the XXXX XXXX XXXX XXXX XXXXor validation of which they do not offer. Per FCRA 623 ( a ) ( 5 ) If the Credit Bureau can not validate the information with the originator, they must remove said information from the consumer credit file. Letters were sent to XXXX and Equifax on XXXX/XXXX/2017 with a copy of letter from XXXX XXXX XXXX XXXX stating they do not report to credit reporting agencies. Please see attachments