davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-20
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (CA)

I contacted Chase Bank by phone on Friday XX/XX/2016 after noticing some discrepancies with my banking history online as well as through the mobile app. After spending over 30 minutes on the phone they advised me that they have an ongoing investigation due to account balances for consumers not posting accurately. XXXX " A Supervisor '' suggested that I go into my XXXX in XXXX to discuss it further since they were not able to figure out what was happening. She also stated that once the investigation was done my account would automatically reflect my true balance but I would not be informed of resolution and that I would have to just watch my account. That same day I went into my branch bank and spoke with the Branch Manager, XXXX XXXX for well over an hour. She had a Senior Account Specialist on the phone and he was unable to figure it out either so I was advised they were going to start research on my account and I would hear back within XXXX business hours. I have still not heard back. Yesterday, XX/XX/2016 my account showed that I had a balance of {$340.00}. I assumed this was my balance after their " research ''. I of course made some purchases thinking that my account was resolved and had a positive balance. Today, I received notification that my account is now overdrawn again {$190.00} in checking and {$4.00} in Savings. I was hit with XXXX {$34.00} fees in checking and another {$34.00} fee in savings. At this point I am considering closing my account as I can not keep track of what they are doing. Nothing makes sense and I can not get any answers from my banking institution. This has caused a great deal of emotional and financial distress. I advised them on my phone call on XX/XX/2016 that if this was not resolved I would be filing a complaint with the CFPB as well as the Attorney General. Had I not been watching my account closely there would be several fees and charges I would have never known about. The Branch Manager also made that statement when I met with her on XX/XX/2016 inside the Branch location. She reversed some fees on that day due to their errors however this continues to be an issue. 
My branch location is at : XXXX XXXX XXXX XXXX, XXXX Ca XXXX XXXX Branch Manager : XXXX XXXX
Consumer complaint received 2017-08-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (DC)

Since its inception in XXXX, I have made monthly, on-time, payments on this loan, As of XX/XX/XXXX, 27 of those payments have had no amount applied to the loan principal. These interest-only payments total {$16.00}, XXXX. I have tried several times to get an explanation from Navient over the past 2 years, with no response from them. My latest attempts occurred today when I tried twice to send an email about this issue. Their website only responds with an error message that asked me to try again later. I tried reconciling the account using various amortization tables, but nothing matches their figures in any permutation. There is no reason that a lender would fail to apply payments appropriately to both interest and principal unless it is managed very poorly, or is a scam. Either way, I feel that Navient is ripping me off.
Consumer complaint received 2017-08-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd. (IL)

I do not owe a debt of any kind to anyone. Neither mysel, f ( XXXX XXXX ), nor my husband, ( XXXX XXXX ), owe anything. All our bills are paid up in full each month. Harris and Harris called me with a recorded message Saturday, XXXX XXXX,2017 and said they were a debt collector & to call their offices at XXXX. The recorded call said their offices were open Monday through Thursday. There was no names given as to who owed a debt. My son, XXXX XXXX, lives here and all his bills are being paid on time also.
Consumer complaint received 2017-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Fidelity National Information Services, Inc. (FNIS) (CA)

I have filed numerous complaints with chexsystems pertaining to what is on my report. They keep saying I am filing frivolous disputes but will not provide me with the documentation as to what they did to verify the validity of the report.
Consumer complaint received 2024-10-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (FL)

Second complaint, I am not liable nor did I authorize to have and used this account. I will not pay for anything that is not mines. As you can see there is two open accounts with my information opened under the same company. According to my credit reporting from XXXX, XXXX and XXXX I have a fraud alert that has been placed for over many years and will be lifted next month. As a consumer I have the right to not respond, pay any debts thats not mines and or be harassed by any debt collectors.
Consumer complaint received 2016-08-19
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (GA)

I have already filed a complaint against Carrington Mortgage. They verbally told me on the phone when I spoke with a representative that there was an issue with the title on my property XXXX XXXX XXXX XXXX XXXX GA XXXX and that once the title issue was resolved they would let me do a deed in lieu. Today when I called they informed me that they were selling my property to yet another bank and I would have to begin the foreclosure process all over again. This house has not been paid on in over 4 years and has been vacant over 4 years as well. I had to file bankruptcy to stop this property from continuing to hurt my credit however it is still showing me as the owner on XXXX and therefore I am not allowed to ever purchase another home for my family and rebuild my credit. Carrington Mortgage also stated they had someone come out and secure the property, I can gladly provide documentation that this property is not secure. People are stealing copper wiring and taring away the permanent foundation underneath and are going into the property and doing illegal drugs according to the officer I called out the the property. The officer stated that they have asked the bank/Carrington Mortgage to board the property up and they fail to comply. This is a huge safety hazard. I do not understand what it is going to take to get this property out of my name. I want to do a deed in lieu as agreed upon and yet here they are shuffling me off to yet another mortgage company instead of holding up to our verbal agreement. They stated the would contact HUD to get this to stop reporting to cavirs but when I contacted HUD they said they were not contacted and it is still reporting. Is there anything legally I can do? This seems unfair to me to never be able to buy another home because they are not foreclosing on this one after 4 years nor allowing me to do the Deed in Lieu as they agreed to. As mentioned I can gladly get pictures of this property they claim is secure and show it is in fact not, it is a dangerous hazard to the community.
Consumer complaint received 2017-08-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Phoenix Financial Services LLC (LA)

I recently saw on my credit report that I owe XXXX XXXX XXXX XXXX {$1200.00} for medical bills. However I received a letter from Phoenix Financial Services LLC on XX/XX/XXXX saying I owe {$1200.00} to XXXX XXXX XXXX XXXX. I did an investigation and found out that the original creditor is XXXX XXXX XXXX XXXX which is Located in XXXX XXXX, Louisiana. The letter also states that the date I use the facility was XX/XX/XXXX. I have n't been to that facility and I had a full coverage insurance because of my XXXX that 's from XXXX. Also to add I was receiving calls from one of those company and I did explain to them that I did n't owe any money to them and if I do they should send it to my insurance company but they wanted me to do a payment plan and pay out of pocket.
Consumer complaint received 2017-08-20
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. (ND)

I am a victim of identity theft. I have XXXX fraudulent and unauthorized hard inquiries that 's listed on my Experian and XXXX credit report and do n't belong to me. The following hard inquiries are fraudulent and unauthorized, and do n't belong to me : XXXX XXXX XXXX, XXXX  XX/XX/17, XXXX XXXX, XX/XX/2017, I have never applied for a credit card account with XXXX XXXX or XXXX.
Consumer complaint received 2024-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2016-11-17
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (ME)

This complaint is regarding my mortgage company, Carrington Mortgage Services. One month ago ( XX/XX/XXXX ), I submitted a request for mortgage assistance as we have fallen behind on our payments due to my husband being out of work for several months after having XXXX and being quite ill and unable to work. I am requesting either a modification or a longer-term formal repayment plan. I faxed them every single document that they requested of me. I have been working with XXXX XXXX in the advocate office at Carrington and he told be back on XX/XX/XXXX that all of the documents had been received and that they would be in touch with me if they needed any further information or documents from me. It is now about to be XX/XX/XXXX and I have not received one single ounce of communication from Carrington regarding my request for assistance, not a single word at all. I have called XXXX XXXX every single day this week and he keeps telling me that there have been absolutely no notes put into my account and that he has no idea what is going on or what the status of my request for assistance is, even though it has been an entire month since I sent them the request for mortgage assistance documents, including mine and my husband 's pay stubs, bank statements, utility bill, tax forms, a letter explaining the circumstances that caused us to fall behind, and the paperwork that they sent us to fill out. XXXX XXXX has been telling me for the past 4 days now that someone would be calling me to follow up, but no one ever has. I have not even received anything in the mail from Carrington confirming that they received my request for mortgage assistance, which I thought they legally had to send. I am getting beyond fed up with their nonsense and demand to be updated as to what is going on. My husband has since returned to work and we are able to afford our regular payments again, but is getting caught up on our past due amount that we need assistance with. I can not believe that Carrington has not communicated with me one single time since I submitted the request for mortgage assistance an entire month ago. Totally unacceptable.
Consumer complaint received 2017-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (AZ)

I have filed for bankruptcy chapter XXXX, in XX/XX/XXXX. The bankruptcy was dicharged XX/XX/XXXX. I have my paperwork with me for proof. XXXX, XXXX have been reported with my bankruptcy. Although, Experian has not report on my credit report for my bankruptcy. How is that two credit bureaus do report for my bankruptcy, but not experian makes no sense. First, I called and I was told they have not been informed of my bankruptcy, so I mail in the diacharged papers of my bankruptcy chapter XXXX called and confirmed that they have received the paperwork and will proceed on with what needs to be done in the process. Call a month later still has not been resolved or has been reported on experian of my bankruptcy, call the following month still experian has not updated my credit report for bankruptcy ask to speak with a supervisor, I advised bankruptcy is a publi record and they can see I have filed for bankruptcy chapter XXXX  she confirmed that they were able to find my name on the public record for chapter XXXX. They gave me an excuse of well we get a a bundle of people of that file bankruptcy so we must of missed your file, and when they were aware of my bankruptcy my file was already closed but they were never informed I went through bankruptcy it does not make sense!!! At all its horrible not accepting they drop the ball at all, just admit we drop the ball and made a mistake we will fix it but no now they want me to call the courts and find out how they reported or file my bankruptcy im not doing their job for them its been five months experian is not willing to help me giving me the run around no phone etiquette at all!!! Not willing to help!!! They have access to the court records!!! This is bad reporting and obviously dont want to correct their mistake!!!!!!! I will contact my lawyer is this is not resolved i have called for the past week constantly and no help at all just giving me so many excuses
Consumer complaint received 2023-09-29
Product: Credit 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: GOLDMAN SACHS BANK USA (OK)

I had several fraudulent charges show up on my Apple Card including charges from international retailers. I contacted Apple Card support about the fraudulent charges and they provided a provisional credit while they investigated. XXXX of the charges they were investigating were for XXXX. Following their investigation, XXXX of the disputes was decided in my favor. However, the second one was not decided in my favor. I asked why it was not decided in my favor and they claimed that it was because I already received a credit for the charge on the other dispute and believed it was the same charge. However, the charges were for XXXX different amounts and I did not make either charge. Furthermore, I never heard of XXXX so I googled it and the website appears to be fraudulent. I tried to contact them via their email they had posted but never received a response. I appealed their decision and provided proof that they were XXXX separate charges for XXXX different amounts but they decided in the merchants favor again. I tried to dispute it again and they say it can not be disputed again. However, I did not make a purchase at XXXX for {$1000.00} and should not have to pay for a charge I am not responsible for. Especially such a large fraudulent charge. 
The charge was initially made on XX/XX/XXXX and was disputed through the card company and appealed. On Monday XX/XX/XXXX, they decided the appeal in the merchants favor but I never made the charge. Apple Card also refused to provide any information on why the dispute was denied.
Consumer complaint received 2023-04-04
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: Collection Management Holdings, LLC (GA)

I checked my credit and saw three medical bills reporting from COLLECTION MANAGEMENT for XXXX XXXX XXXX XXXX XXXXXXXX in the amount of {$660.00} ; one account from XXXX XXXX XXXX from XXXX XXXX XXXX XXXX in the amount of {$720.00} and one from XXXX XXXX XXXX from XXXX XXXX XXXX in the amount of {$680.00}. 

These are all incorrect as I have been in and out of prison and have been homeless, something I let the triage nurses know prior to services rendered. I completed the financial assistance forms to ensure services were covered. I am very surprised to see these bills reporting to my credit. I never received any correspondence about these debts or how to dispute them.
Consumer complaint received 2023-04-04
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: EQUIFAX, INC. (CA)

Hi my complaint is too major credit bureaus XXXX  XXXX and equifax i found 2 accounts on my credit report that were fraudulent.I tried to fix it sent them an FTC report opening a dispute.Every time it comes back as verified as accurate.And thats when i realize how incompetent they are and how not serious they look at fraudulent information on your credit report.I mean you check your credit report you see inaccurate fraudulent accounts you dispute them and it comes back as verified as accurate? I can not say what investigation they are doing but the results are shocking what can i do from my end for these type of information to disappear from my credit report? I did FTC report and here is the FTC report number i will also attach the copy to this complaint.FTC REPORT NUMBER XXXX. 
First one is XXXX XXXXXXXX XXXX XXXX  ACCOUNT NUMBER XXXX Second is XXXX XXXX ACCOUNT NUMBER XXXX Third is XXXX Account Number XXXX Also There are some personal information that is wrong and inquiries that are also fraudulent.
Consumer complaint received 2024-10-19
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. (AZ)

Fraud accounts being relisted in violation. Please block all fraud accounts and related inquiries per FCRA, XXXX XXXX and CFPB unless you can provide verification of original signature. XXXX XXXX  XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, UD DEPARTMENT OF EDUCATION XXXX  {$1500.00}, XXXX XXXX XXXX Charges filed XXXX XXXX ORIGINAL POLICE REPORT attached, address, emails, current bank statement, FTC, supplemental police report and ID attached for verification thank you
Consumer complaint received 2024-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (PA)

I am a victim of XXXX XXXX  of XXXX XXXX. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who l am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Consumer complaint received 2017-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (PA)

On 2010 XXXX XXXX my Bankruptcy was discharged, And when I go look at my status it 's still listed on my report .I tried to contacting them thru filling out a Dispute and it kept through in me out of there site, quite a few times.
It states these, Derogatory public record or collection filed. ( Not listed ) on other reports .Also time since delinquency to recent or unknown covering all bases.amount owed on delinquent accounts should n't be any.proportion of Balances to credit limit is too high on bank revolving accounts do n't have any on file.number of inquiry impacting the score. They gave XXXX XXXX XXXX a XXXX and I have A XXXX. XXXX XXXX is very deceiving company XXXX. The Bankruptcy should be off record I have proof I am credit fit as proven by my 100 % pay Back worthyness.please review XXXX and Equifax too thanks again
Consumer complaint received 2017-06-07
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. (VA)

I have attempted numerous occasion in contacting Equifax concerning illegal use of my social to obtain a loan on  X/XX/2016.    XXXX   XXXX  l inquired  XXXX  on that date. I was actual online looking for a car loan when a pop up appear stated you had been pre qualified when a company I never heard of with my name pre polulated in the fields with my address. I began backing out of it and computer froze. I was basically hacked with virus on computer. Had to get fixed which took couple of weeks. When I was able to check my credit I shown multiple inquiries contacted a rep whom informed me to contact the company in which I asked them how they got my information some of the companies did not have any information and several banks said from online submisssion in which I did not authorize or gave permission. I had to get police report which I have fax multiple times showing a victim up fraud. These multiple inquiries is effecting my opportunity for a job. I have done my part and requesting and providing the necessary documentation.