davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-04-07
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Advanced Collection Bureau, Inc. (FL)

I move in to XXXX XXXX and the manager had told me that my name had to be on the list as I was older than XXXX living in the place now aside from that I had ask multiple times if it would affect me in any way and she had stated multiple times that no, I live there for about 3 months prior to moving out I had ask again the manager if been listed as living there would held me accountable for any given reason she had said that no. Now as I look through my XXXX credit report # XXXX I see the following XXXX landing XXXX $ UNPAID I do n't understand if I had explain that prior to be listed in the contract and prior to moving that I was under no circumstance to be held accountable and that the only reason I was writing my name was because I was older than XXXX why I 'm been charge when I 'm not responsible for the debt.
Consumer complaint received 2023-09-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (TX)

I was paid on XX/XX/23 via wire transfer from a closing on a sale of a home. I am a residential realtor and new to the area this was my first sale here. I had opened a chase account being that my other banking institution was not in this area I relocated to. I was informed my account type could not accept wires and that the funds would be returned. When the funds were returned the following XXXX  XX/XX/23 I deposited them into the Chase account and was told funds would be available on XX/XX/XXXX. The mobile app also confirmed this date. On XX/XX/XXXX I logged onto my account to pay bills and noticed the funds would be unavailable until XX/XX/XXXX. Not only has Chase delayed this large deposit from a local reputable title company but they continuously hold small deposits of less than {$500.00} Im paid bi weekly for managing a local bar. Its absolutely ridiculous that XXXX of the largest banks in the country cant cash a routine biweekly check for XXXX of the lowest paid members of the workforce. My hourly pay at the restaurant is only {$7.00}! Yet Chase every other week HAS to hold my 40 hours of compensation XXXX for 3-4 days? This is not proportional.
Consumer complaint received 2015-09-22
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO. (NY)

I have notice some charges to my checking account. I made a merchant charge to my account of say {$6.00} at XXXX XXXX, the suddenly, a charge of actually {$1.00} or {$2.00} is made to my account from XXXX XXXX. I recently made a charge to my account from XXXX for a warranty for {$59.00}, the XXXX at the Chase Bank, here in XXXX XXXX, pointed out to me on the bank 's computer of another additional charges of {$1.00} and {$2.00} and {$28.00} from XXXX. Since obtaining, the new chip card, I have notice these type of charges that apparently are being made. I suspected from quite some time of virtual charges to my account for a number of years, Because some how, I made a purchase and the debit and credit did n't add up and complained to the Bank, to no avail. With the new chip in place, that charge is showing up and is deducting that amount from my account., but when I try to retrieve the information from the Bank , account online website, it has disappeared. I saw this on the XXXX warranty and XXXX and Chase Official statement was that there is no charge. It appears on my account, and now my account is overdrawn, but by my calculations, I should have about {$60.00} in my account, but the additional charges that appears have taken a toll on my account. Someone is hacking into my accounts and is taking funds. It appears, that Chase is aware of this because they are responsible if this is happening. They will not investigate or find out how this happening. I suggest, that CFPB investigate some of the banks, You can start with my account. I strongly believe, that it maybe happening to the XXXX accounts because it is easily to hack, they have the same amount each month and no one is looking at this.
Consumer complaint received 2016-04-25
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: SLM CORPORATION (NJ)

My student loan is with Sallie Mae. I have made several payments on this private loan. But, recently I have not been able to make payments due to unemployment and family changes. Now, Sallie Mae is harrasing mu family memebers, immediate and other relatives. It is a total disaster. My federal loan is under forebearance because I will go XXXX in XXXX 2016. But Sallie Mae, will not negotiate for such terms. I have written to them, called them, no success. I would appreciate any input and help. Thanks.
Consumer complaint received 2016-05-26
Product: Credit card — 
Issue: Credit determination — 
Company: JPMORGAN CHASE & CO. (NM)

i made online payments through my bank. They returned the funds 3 months in a row. They called and said i was late. we did a 3 way call with my bank and confirmed the payments were sent out on time but returned to bank by them. I immediately gave them the debit card ( which was tied to the account online the funds was going out of ) and paid it in full. we confirmed with the representative account #, address, etc. They are still returning my payments and notifying credit bureau i am late. The representative told both my banker and i that they would have somebody call both of us back the next day to confirm that payments were sent and returned and correct info sent to credit bureau 's. That never happened and they are still notifying credit bureau that i am late. I filed a complaint with the XXXX but as of yet nothing resolved. Thank you
Consumer complaint received 2024-08-13
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. (NJ)

Recently I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. 

In violation of the Fair Debt Collection Practices Act. I do not know any of the alleged creditors and debt collectors.

I never sat across a table from any of the alleged creditors and debt collectors and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. All allege contracts are completely fraudulent an the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of identity theft and power of attorney fraud. Please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, and losses due to me being a victim of identity theft.
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to inform you of the violation of my rights under 15 U.S. Code 1681c-2 and 15 U.S. Code 1681b, as well as my victimization of identity theft, as documented by an FTC report on file ( Reference Number : XXXX XXXX XXXX. I kindly request your prompt attention to this matter and the immediate removal of the following fraudulent accounts from my credit report. See Attachments ....
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

I have been trying to get XXXX to correct my personal consumer report but they refuses and continues to furnish inaccurate and unverified information on my consumer report and file. I am in the process of taking control and securing my personal and private information. This massive data breach has exposed my information and I am very concerned with inaccuracies on my report. Please address this matter. Attached is a notices for demand XXXX to remove all items within attached notice.
Consumer complaint received 2024-08-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

Subject : Formal Complaint Regarding Inaccurate Address and Account Information on Credit Report Dear CFPB Representative, I am writing to file a formal complaint against Experian for violating the Fair Credit Reporting Act ( FCRA ) and 15 U.S.C. 1681e Compliance Procedures. Experian has inaccurately reported a XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX associated with the name XXXX XXXX on my credit report. This is not my legal name, and I have never resided at or documented this address. This incorrect information remains on my credit report, despite my repeated requests to Experian for its removal. 

I have attempted on multiple occasions to have this XXXX XXXX address removed from my credit report. However, Experian refuses to delete it, citing that it is linked to XXXX accounts under the incorrect name XXXX XXXX. The presence of this unauthorized name and address on my credit report violates the FCRAs mandate for accurate information and adherence to 15 U.S.C. 1681es Compliance Procedures for consumer report accuracy. Additionally, Experians actions may contravene other consumer protection laws as they continue to furnish and endorse inaccurate information. 

The continued presence of this address and the accounts associated with it constitutes not only an error but also Experians legal responsibility for furnishing information that has been proven to be inaccurate. I request the immediate removal of both the erroneous XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX and any accounts linked to the incorrect name XXXX XXXX from my credit report. Should Experian fail to act promptly, I will have no choice but to pursue legal action to seek damages and ensure full compliance with federal laws. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2017-02-13
Product: Credit card — 
Issue: Transaction issue — 
Company: AMERICAN EXPRESS COMPANY (CT)

On XXXX at approximately XXXX PM I received an email from American Express, asking me to confirm I changed my email address. After reading the email I immediately called American Express to explain I did not change my email address and that it appears to be suspicious activity. After having me on the phone for about XXXX minutes they reviewed the recent transactions with me. The only XXXX I disputed was the transaction in the amount of {$900.00}, which appeared to be either a e-check or wire transfer written to someone 's personal name. I 'm 100 % sure I did not authorize this transaction and do not even know who the individual is. 

As we were reviewing the account I noticed the information they had on file was not the information I entered when originally setting up my account. My email, pin, and even my security question was all changed. They then had me reset everything back. I asked if they should just send me a new card and or at least change my account number. They said that would not be necessary. 

They informed me that the dispute would take up to 10 business days. After terminating the call with them I then received a voicemail ( on XX/XX/XXXX at XXXX ) confirming the call and giving me my confirmation number which is XXXX and a number to call if needed which was XXXX. I still have the voicemail on my phone. 

Today on XX/XX/XXXX I received an email from American Express stating my dispute was declined and they have determined no error occurred. I will attached copies of the emails mentioned. 

I 'm not sure how they can come up with the conclusion that no error occurred, when I 'm clearly stating I did not make or authorize this transaction. If someone can change an email address then later change their pin, and personal security question, then be allowed to transfer money to someone, that is clearly a lapse of security on American Express. 

After receiving the email stating my dispute was declined I called XXXX, and spoke to XXXX at XXXX who then transferred me to Account Protection Services to someone named XXXX XXXX I went through explaining the whole process with XXXX only to be told she could not help because she did n't have the information they used to determine how their decision was made. She said I would have to write them to get more detail. 

This whole process is interfering with my ability to pay my mortgage and bills. It 's not fair for an institution as large as American Express to simply state an invalid charge was valid and tell the consumer, we ca n't help you. 

Any help you can provide to expedite this process would be greatly appreciated. I tried to be proactive in reaching out to American Express as soon as I received the email stating my email was changed. 

Again I did not change my information or make the charge of {$900.00} Thank you for your help.
Consumer complaint received 2016-11-06
Product: Mortgage — VA mortgage
Issue: Settlement process and costs — 
Company: iFreedom Direct Corporation (FL)

1. The Closing Disclosure is wrong and inaccurate it does not account for the Items pre-paid by this buyer/borrower of which both invoices and canceled checks have evidenced those payments for : WDO inspection, Water Test, Survey & VA Appraisal Made by the buyer/borrower who is an unrepresented XXXX individual. ( as per SSA & VA ). 
2. And the lender appears to not be willing or able to take or accept delivery of and payment of two ( 2 ) advanced payments [ for XX/XX/XXXX & XX/XX/XXXX ] and is inasmuch instructing this borrower to make said payments payable to ( XXXX ) a subsequent [ not yet transferred to ] service entity for the pending ( set to close on XX/XX/XXXX ) mortgage.
Consumer complaint received 2016-09-14
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: JPMORGAN CHASE & CO. (FL)

I was first sued 9 years ago by a credit card company. I was sued again this year and never got the supenoa. My checking account is now frozen. The money that is frozen is not mine but my husband 's direct deposit paycheck. The account is a joint account. I do not have a job. I am XXXX but not receiving benefits yet. I called the debt collectors attorney but they refuse to tell me anything. They are holding all the money and we have none for food for us and our XXXX XXXX XXXX daughter or rent or for gas for my husband to go to work.
Consumer complaint received 2016-10-17
Product: Credit card — 
Issue: Transaction issue — 
Company: JPMORGAN CHASE & CO. (GU)

XXXX will automatically default any form of payment to their cobranded credit card on file, regardless if you manually select another payment to use. 
This has happened on two occassions. On the first occasion, I entered my XXXX credit card ending in XXXX manually and selected the card as payment. However, upon transaction, I noticed that the credit charge was made without authorization on my XXXX credit card ending XXXX. I called XXXX and a lovely customer service representative was able to assist me in processing the refund to both my card and re-crediting my miles. I proceeded a second time this time via XXXX, with both the log in and a confirmation page prompting me to use my XXXX credit card ending in XXXX. Again, the transaction defaulted to my XXXX credit card ending in XXXX and did not even utilize the transaction via XXXX, despite logging into XXXX via the XXXX prompt.
Consumer complaint received 2016-04-09
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: AES/PHEAA (MI)

MY son died in XX/XX/XXXX with student loans outstanding. I co signed 11 years ago and now I am XXXX years old and live on SS and small pension. I lost all savings in XX/XX/XXXX and had to sell all my property on a shot sale in XX/XX/XXXX. The payments on the loans will take me until I would be XXXX years old. Impossible. In addition the loans are not with the original bank and owed to AES and NCT a collection and servicing company. The school was XXXX
Consumer complaint received 2015-04-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (CT)

My husband was laid off and we filed for bankruptcy. We became two months behind in our mortgage with Chase Home Finance. No loan modification was offered. Instead we were put on a repayment plan and charged exorbitant fees for four months. 
I feel that we were overcharged.
Consumer complaint received 2016-06-15
Product: Debt collection — Mortgage
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: JPMORGAN CHASE & CO. (FL)

I had a mortgage with Washington Mutual Bank FA. JPMorgan Chase became the servicer then claimed to own the mortgage when they provided absolutely no documentation to prove it. They began a deceptive foreclosure suit using the collections firm XXXX XXXX management and used all kinds of fabricated documents, assignments signed by XXXX employees, notes signed by XXXX employees and even the complaint was signed by XXXX attorneys who are not even licensed in the state of Florida. XXXX XXXX XXXX - Purpose of Business is servicing existing " MANUFACTURED '' home loans and they are not a registered debt collector. They even fabricated a loan remodification and would not provide us with a hamp loan stating we were unqualified. We made 6 payments and they told us to stop payments and then the foreclosure began. We called the FDIC and the OCC and both government agencies said to call the CFPB as it was all debt collection. This has been going on since 2009 and after speaking with JPMC corporate offices regarding all this fraud, we offered a " RESCISSION '' They told us to call XXXX XXXX for the rescission. We sent the letter and XXXX XXXX of XXXX Firm made a motion to the XXXX for a foreclosure auction. Neither JPMC nor XXXX XXXX had any real ownership or interest in the note and thus no right or authority to conduct a foreclosure. I had put down {$230000.00}. It appears this is a way of life for these banks. They steal families equity in the house. They appraised them 20 % higher ( eappraise ) and then there was the libor rigging by JPMC with the WAMUFA loans. Now the price is down and they want to steal your home for pennies on the dollar if you are not smart enough to catch the fraud.
Consumer complaint received 2015-06-22
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Platinum Holdings Group, LLC (TX)

I have dealt with this company in the past when they were threatening to sue me for a debt that was taken care of. At that time they threatened to put a lien on my bank accounts. 

On this most recent call, from an " unknown '' number the lady that I spoke with told me she was collecting 'location information '' becuase they getting to file a XXXX with the IRS and Garnish my wages. This is for a previous debt that was cleared up in the past. When speaking with her she never informed me this was an attempt to collect on a debt. 

I told her the debt she was discussing was already settled and cleared up. She disagreed.I told her I would have to consult with my wife for clarification of the matter. This lady said I had until noon to tomorrow otherwise she was going to file against me to garnish my wages. 

As I spoke to her to get her follow-up information she told me her name was XXXX XXXX with Worldwide Asset and if she didnt hear back from me by noon tomorrow she would file a " XXXX to trigger garnishment ''. She said she is located in XXXX California, She offered to settle the debt with me if I paid tomorrow for 80 % on a XXXX full payment or she would accept XXXX payments at a higher value. 

I dont have her phone number in my file to contact them. 

I recall the last time I had to put up with their scam that they pulled a hard credit check/report on me and ti really hurt my credit score. My wife and I are presently in the process of buying a new home. The offer and preliminary contracts have already been filed. I can not afford for this group of scammers to do the same XXXX to me, or worse, as they have show in the past they will do.
Consumer complaint received 2015-08-12
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (FL)

AES uses predatory financing to extract as much from their customers as possible. The website logs you out to prevent you from navigating and potentially solving issues. Additional payments to loans beyond the minimum payment are not applied directly towards the highest interest rate loan. I spoke to their representatives and they said they would do that for me. The next billing cycle showed not a single dollar had been paid in addition to the minimum on the highest rate interest loan, making sure that AES made as much money off me as possible. The next representative claimed their system was incapable doing this automatically ( XXXX had no issues doing this when my loans were owned by them ). I then requested to cancel the additional portion of direct debit so i could manually apply extra funds to a specific loan each month, both via phone and via the website. Instead the entire direct debit was cancelled, thus removing my .25 % interest rate bonus for 2 months. The next representative claimed the system could not take less time to set up automatic payments. Everything this company does is meant to harm the consumer.