davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (IL)

On the night of XX/XX/XXXX I went out to a bar in the XXXX XXXX of XXXX, my phone died and I was offered a ride from a person I met at the bar. We stopped at XXXX on the way home and I paid next to this person for some snacks. I was wearing a dress for XXXX so I ended up leaving my phone in the car. When I woke up I called the bank to report my card lost. They said that my card was fine and there was no transactions made. However the next day my account overdraft. Im 8 being a customer for Chase my account has never been overdraft. There was 7 charges to my account totaling about {$1800.00} XXXX XXXX XXXX - {$20.00} XXXX XXXX XXXX - {$20.00} XXXX XXXX XXXX XXXX - {$60.00} XXXX XXXX XXXX XXXX - {$60.00} XXXX XXXX XXXX IL - {$1600.00} XXXX  XXXX XXXX XXXX XXXX IL - {$4.00} XXXX  XXXX XXXX XXXX  XXXX IL - {$41.00} XXXX disputed the transactions however they were denied. I asked if I could talk to someone but they said the only way I could dispute the denied transactions was via FAX. I then looked for any substantial evidence I could find. I screen shotted The transaction of {$1600.00} location. I typed what appears in the charge in XXXX XXXX because theres no phone number and what I see is lots of abandoned buildings. They suggested I go to the merchant and try to get the money myself but theres no address or a phone number to even do that. I have a ring doorbell that records me when I get home and it shows me getting home with a dress and noticing my keys and walled and phone are missing. I screen shotted that and told them I could send the video directly from the app with time and date so they know is legit in the fax. But no one ever got back at me. I also filed a police report.
Consumer complaint received 2022-11-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (CA)

This complaint submission is in regards to a false credit report by AMSHER COLLECTION SERVICES ( XXXX XXXX XXXX, XXXX, AL XXXX ). I have made attempts to rectify this matter with them directly as they have now been unresponsive. I spoke with a representative by the name of XXXX XXXX, who was both rude and uninformative. When first speaking to XXXX XXXX, he was extremely aggressive and hung up the phone when requesting information regarding the account. I then made another attempt and after waiting on hold for XXXX minutes, I was finally provided with the mailing address so I could forward them a Debt Of Validation letter. This Debt Of Validation letter which was sent on XX/XX/2022, was confirmed through CERTIFIED MAIL that the Supervisor had received the files by signature confirmation. At this point it is now XX/XX/2022, and after 30 days of notifying them, neither my Attorney nor I have received any response, or correspondents. I specifically asked for proof of the alleged debt and anything in signature or JUDGEMENT BY LAW stating I was obligated to pay them or falsely report a debt to the three major Credit Bureaus. I got a response from XXXX XXXX XXXX XXXX named XXXX XXXX who also failed to comply or provide any appropriate documentation for their claims. They also failed to return the requested information on the Debt of Validation Letter. I have never made any agreement with them nor the original creditor to pay anything, nor was I properly notified of this false reported debt. I am requesting AMSHER COLLECTION SERVICES ( XXXX XXXX XXXX, XXXX, AL XXXX ) to immediately remove me from their systems and update all 3 major Credit Bureaus specifically ( XXXX, XXXX, & XXXX ) on this action. They have failed to follow the guidelines which were all provided to them in the Debt Of Validation letter that supports the Fair Debt Collections Practice Act. In result, AMSHER COLLECTION SERVICES ( XXXX XXXX XXXX, XXXX, AL XXXX ) are violating my rights and are also causing financial hardship with this debt being reported. This false report by AMSHER COLLECTION SERVICES ( XXXX XXXX XXXX, XXXX, AL XXXX ) has prevented me from gaining access to any lenders due to Derogatory Marks on file. At this point they have failed to provide any competent evidence or any legal obligation and AMSHER COLLECTION SERVICES ( XXXX XXXX XXXX, XXXX, AL XXXX ) is currently in violation of the Fair Debt Collections Practice Act, 15 USC 1692g. If this report is not updated immediately to the XXXX major Credit Bureaus, I will be taking legal actions and will immediately file a Civil Suit.
Consumer complaint received 2017-06-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (IL)

On XXXX XXXX XXXX, a check for {$1000.00} dollars was forged by a person I have never met nor heard of, and withdrawn from my Chase Student Account. When I caught the fraudulent transaction on XXXX XXXX, I panicked.This was money used exclusively to pay my tuition for college and suddenly it was gone, so I immediately called Chase ( XXXX XXXX ) to report it. Chase assured me that I had done the right thing by filing immediately and closing my old account, they said all I needed was to send in an affidavit and they would get stated on returning my funds. I felt instant relief knowing that I had caught it in time. As of today, XXXX XXXX, XXXX I still have not received my funds despite doing everything Chase has requested and have been left with nothing but tears, frustration, and an outstanding bill with my University that I am unable to pay. When I mailed my affidavit to Chase on XXXX XXXX I thought I was on the road to resolution, so imagine my surprise when I called Chase in late XXXX for an update on my claim only to learn that the process had stalled since they 'd never received my affidavit. Upset, but understanding that mistakes can happen, I rushed in to fax my affidavit directly from a Chase branch which they received on XXXX XXXX. From here, a senior specialist assured me, Chase had 60-90 business days to process the claim and return my funds. With the end of my XXXX XXXX approaching I had finals and XXXX to think about, but I made sure to check in for updates with Chase ( there were never any ) and was left to wait until the 60-90 days were up on XXXX XXXX XXXX. Since then my claim has been " escalated '' 3 times with no resolution ( XXXX XXXX, XXXX XXXX, XXXX XXXX ) and I have gone from being a loyal and content Chase customer, to an exhausted recent XXXX at her wits end. My college XXXX, what was supposed to be one of the happiest days of my life, is marred by the fact that I can not and will not receive my diploma-that I have worked four long years for- until my tuition balance is paid off, which I can not do without my funds from Chase. I have been so patient and understanding, and respectful with the hard working agents who have been fielding my multiple calls, but at this point it feels that Chase simply does n't care despite their thanks to me for being a " valued Chase customer. '' I do not feel valued. I feel used and exhausted and after nearly 7 months of this, I would simply like it resolved.
Consumer complaint received 2017-09-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (FL)

I saw that my student loan was raised by over {$5000.00} within a 30 day period when I 've been out of school for over 8 years. I attending XXXX in XXXX XXXX, Florida
Consumer complaint received 2022-11-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Torres Credit Services, Inc. (FL)

I never received a final bill from my electric provider, XXXX XXXX ( XXXX ), because I was set up for e-billing. I found the bill in my Spam folder in XXXX and immediately paid the bill. That payment was for {$370.00} and was paid directly to XXXX on XX/XX/XXXX. On XXXX, I received a notification from a credit monitoring service that I had a collection notice on my credit report from Torres. I disputed the negative credit report item with XXXX, but the dispute ended in favor of the collection agent. I contacted XXXX on XX/XX/XXXX and they let me know the original amount that was due had been paid on XX/XX/XXXX ( as mentioned above ), and notification had been sent to Torres 3 weeks earlier. XXXX did note there was approx {$15.00} in late fees still due on the account, so I paid those over the phone with XXXX. They stated the account was paid in full, and provided me with a payment confirmation # XXXX. I again disputed the collection noted on my credit report with XXXX. I provided the information I've included here. The dispute was again denied and the collection note still remains on my account as if I still actively owe this 3rd party credit collection agency {$380.00}. I do not, as explained above, according to XXXX. Because today is XXXX, I can not reach XXXX to request they send an updated statement for my closed account stating it is paid in full. Torres has the ability to verify this information, they are choosing not to and trying to collect the same funds twice.
Consumer complaint received 2017-09-16
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: CURO Intermediate Holdings (NV)

Rapid Cash aka XXXX XXXX refused to process scheduled payments. Associate told me that I am responsible for additional interest on afore mentioned payments. 
Large billboard advertises % 7 per month on title loans, with no mention of {$2500.00}. loan min. to secure this rate. I was not informed of this before I signed the loan. XX/XX/17.
Consumer complaint received 2022-11-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aargon Agency, Inc. (CA)

Have repeatedly attempted to contact this company about debt that is not mine. Just to start I never have done any business with. Aargon agency and they have never sent verified letter of debt validation within 5 days of this supposed debt if mine being sold. XXXX Notice for validation of debts Please provide proof of debt validation that was sent certified mail when you guys assumed this supposed debt if mine. Thank you
Consumer complaint received 2022-11-24
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. (NC)

Equifax has been contacted mutiple times to correct fraudulent collections from the same company. The following are the issues : 1. 2 for XXXX {$210.00} and {$220.00} ( certified letter attached that was sent to XXXX WITH copies of the cancelled checks! ) 2. FTC Complaint attached : XXXX XXXX XXXX NEVER anything sent to me by this company. I have filed a complaint with the FTC and the CFPB against this " collection ''. Their are violating my rights under the FDCPA by not contacting me on this and reporting this to my credit report and I am requesitng action be immediately taken against them.. 
I am sending a certified letter and contacting an attorney on this immediately after the holidays.In the meantime, companies who do this and hurt consumers without giving them a chance to defend themselves, need to be fined, censured, or shut down.

3. I told Equifax I NEVER lived XXXX XXXX XXXX in NJ. NEVER. Yet they will not take this off my report. 
These actions are a serious violation of my FCRA rights.
Consumer complaint received 2022-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MA)

I have been a victim of identity theft and a fraudulent account appears on my credit files. I have reported this account to all necessary authorities and Experian and XXXX are still reporting fraudulent account on my file that were deemed fraud by the FTC and local authorities.
Consumer complaint received 2022-12-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Holloway Credit Solutions (AL)

They contacted me at XXXX XXXX XXXX XXXX XXXX. Didn't indicate who they were calling for. I called back. They didn't give the standard verbiage that they were required to about collecting debt. She asked me to identify myself. I asked her who she was trying to reach. She told me that it didn't work that way and she would note in her system that I refused the call. She then hung up.
Consumer complaint received 2022-12-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: GOLDMAN SACHS BANK USA (MO)

XXXX XXXX Credit card, rec 'd through XXXX, initially was a XXXX XXXX Card changed to a Marcus by Goldman Sachs, apparently through XXXX, meaning I didn't apply, rec 'd email being notified of the change by XXXX. Rec 'd statement in XXXX for pmt due XX/XX/XXXX with balance due {$270.00}. Read back statement re : " how we calculate interest, XXXX caculate the daily interest for each day in month, by multiplying applicable DPR by daily balance of each balance subject to interest within each transaction category for each day in the statement period ''. Statement period for this bill was XX/XX/XXXX- XX/XX/XXXX, due XX/XX/XXXX, balance to pay in full {$270.00}. Payment made of {$270.00} mailed & rec 'd by Goldman Sachs on XX/XX/2022, 17 days before due date. Rec 'd statement with balance due XX/XX/XXXX for {$2.00}. Have called company ( XXXX ) numerous times only to be told it's " trailing interest '' if payments were even pd late, etc. I have always pd more than minimum always on time. They refuse to fix the issue.
Consumer complaint received 2022-12-16
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: The Savings Group, Inc. (IL)

On XX/XX/XXXX, I had requested a Rate from Rate Genius. It was not clear by requesting a rate that a hard pull would result from my request. I was under the impression that I was only getting a preapproval. 

On XX/XX/XXXX I got a notification from XXXX XXXX that my credit was pulled which resulted in a hard inquiry. 

Informed XXXX XXXX at rate genius who informed me that on XXXX XXXX there was a check mark that I needed to click if it was ok to do a hard pull. Informed him I wanted the inqury removed because I was just looking for a preapproval. He refused. 

All I wanted was a preapproval not a total approval. I was just shopping rates... not looking to close which is further evident that I did not upload the required documents for a full quote on their website ( Proof Of Income etc ) How could they pull my credit without having all the facts?
Consumer complaint received 2022-12-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Unifin Inc. (WA)

On XXXX XX/XX/XXXX I received a demand payment notice regarding account number XXXX dated XXXX XX/XX/XXXX from Unifin collections agency for an unpaid XXXX XXXX debt of {$1800.00}. 
When calling the company, the female debt collector stated the account was attached to my social security number. I demanded to know how did XXXX gain access to it and personal information since there was a security freeze put on my credit files in XXXX, and another one put into place in XXXX after reporting identity theft in XXXX of that year. I stated that someone had used my personal information to open a XXXX account and then created a bill in spite of the security freeze placed with all three credit reporting agencies.
Consumer complaint received 2022-12-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC (FL)

These is from XXXX XXXX XXXX, I move in 2020 to a new location I cancel all my services with XXXX XXXX XXXX and XXXX took over my services. I am using the same phone number and in order to have another company to accept you your account need to be clearafter a year I get a bill from XXXX XXXX XXXX I call them when around I dont no how many times and diferente manager from different department tell me that was a mistake, that will be taking care. Know I see that is been place on collection, an no one has contacted me to let me no, I dont have any balance with them at all. Do I need to get an attorney. Please help me with these matter, I was a costumer from XXXX XXXX XXXX for over 30 years, and because I change carried due to the high bills, they trying to do these.
Consumer complaint received 2022-12-16
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC. (MO)

Date : XX/XX/XXXX Re : Santander Consumers, USA Today, I made a payment toward my car note and it covered XXXX payments that was legitimately past due. The amount processed totaled {$1200.00} plus an convenience fee. I called the regarding loan company after payment processed on today, to ensure that I will be able to get late payment removed as verbally promised from employee # XXXX on XX/XX/XXXX. 

When I called today, I spoke with employee # XXXX ( XXXX ) regarding the payment update and she basically denied all of my request for " letter submission '' because as she stated " Good-will is not something that they consider from consumers. '' I explained that the late payments reports are inconsistent on my credit report, but she still denied assistance. Therefore, I asked if this denial is in writing or in the contract ( s ) so I can refer to it, respectfully. She said it is not in writing and I will hear the same denial from all of the customer service reps. Since the conversation and assistance was getting no where, so I requested to speak with a supervisor. Employee # XXXX refused to transfer and proceeded to " not hear me ''. Soon after, she disconnected. 

I am writing this complaint because I strongly feel like the following examples of my rights were abused : XXXX False or misleading representation 1. ) 15 U.S.C. 1692e 2. ) 15 U.S.C 1681f > Unfair practices : 1. ) 15 U.S.C 1692f >Harassment or abuse : 1. ) 15 U.S.C 1692d, Line 5
Consumer complaint received 2022-11-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (CA)

Roundpoint Mortgage company bought my loan as of XXXX XXXX, XXXX. Previous loan held by XXXX. I use autopay and have for the life of the loan. Both XXXX and RoundPoint sent letters saying the payment terms are exactly the same and autopay would remain in effect with no action from me. My loan payment of XXXX was deducted by Roundpoint as expected on XXXX XXXX which has been the payment date for the life of the loan. I have written verification from bank. Roundpoint is also a debt collector -- under the same company. The debt collection arm of Roundpoint sent a threatening letter XXXX XXXX ( prior to the loan payment due date ) saying my loan is in Collection and threatening me. I HAVE NEVER MISSED A PAYMENT IN MY LIFE and have paid mortgages since the mid XXXX 's. They say that I must pay the full amount of {$340000.00} by XX/XX/XXXX. This is erroneous. They took my payment as usual, and their website confirms my loan payment was made and updated the amount owed to {$340000.00}. One arm of RoundPoint confirms payment while another subsidiary threatens me with a letter saying my loan is in Collection. I tried calling them at the number listed and there is no way to reach a human being -- it's entirely automated. There are hundreds of complaints online with the same issue. RoundPoint seems eager to make money off Debt Collection and threatens and harasses reliable loan clients.
Consumer complaint received 2022-12-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (TX)

I have been harrassed by Convergent Outsourcing for a debt that is not mine. The debt in question is for XXXX. I work for XXXX, and I do have nor have I ever had a debt with them. I have been working at XXXX for XXXX XXXX XXXX XXXX ). Contacted the collections department within XXXX and they stated that I do not have a collections account with them, and if I did I would not have employment with them. The debt in question is {$590.00}, XXXX has free/discounted services for their employees. I do not owe anything to XXXX or Convergent Outsourcing, they are trying to have me pay for a debt that is not mine and harass me in the process.
Consumer complaint received 2017-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (WI)

On XX/XX/XXXX, I was made aware that a security breach in Equifax 's system ultimately could have leaked my bank and credit card information as well as my SSN. As someone who 's been working to improve her credit and maintain a decent living, this has been very scary to learn about. I had personally never used Equifax 's website or services on my own, but employers/companies could have gone through them to pull my credit, leaving me at risk. I was also made aware that Equifax had been aware of this leak since late XXXX and did not alert anyone immediately. In order to attempt to protect myself, I am working to freeze my credit, keep up with my credit reports, and monitor my bank/credit cards with even more scrutiny than normal. That being said, due to everyone also trying to do this, accessing freezes from all the major bureaus has been a challenge as well as trying to pull credit reports with hundreds of thousands of people also trying to do this. I 'm very frightened as well as angry, and hope some sort of resolution can come from this albeit I have no idea what that could possibly be. It 's also been reported that the hackers plan to sell the information, meaning we 're all at risk for years to come, which makes it difficult to go about life normally.
Consumer complaint received 2022-11-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc. (NM)

I was charged for services that I did not consent to.I went in for a specific test and XXXX XXXX at XXXX XXXX ran multiple test without my consent.The visit was on XX/XX/2020 with a follow up visit on XX/XX/2020. I was charged and billed for multiple test.I paid the bill for the test I went in for but not the others.I have disputed this bill with the medical company, insurance company and Dr. office, also I have had two different lawyers write letters to them and it has now gone to collections.Totatsl bill amount was {$910.00} and I paid {$58.00} for the test I went in for.
Consumer complaint received 2017-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file, that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under section XXXX ( XXXX ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. 

Please resolve this matter as soon as possible. Thank you.