davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-08
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: Bridgecrest Acceptance Corporation (AZ)

I filed for bankruptcy on XX/XX/XXXX and the bankruptcy got discharged in XXXX of XXXX. I exempted the vehicle loan with Bridgecrest ( Loan # XXXX ) while filing for bankruptcy and contacted Bridgecrest about a Reaffirmation agreement several times. It is not easy to get in contact with Bridgecrest, because the company does not respond to letters or emails -at all. The " Customer Service '' over the phone is unable, or unwilling to help with any kind of problem and does not pay ANY attention to the customers problem. However, I called them several times about the Reaffirmation and my request was denied. 
On XX/XX/XXXX at approximately XXXX XXXX I called Bridgecrest Customer Service and asked about their offer to skip one monthly payment. I was told, that my loan was discharged with my bankruptcy and that I have no chance to skip a payment. I told the lady on the phone ( no name provided ), that the loan was exempt from my bankruptcy case and was told, I am a liar and that the loan was discharged. So I asked, what would happen, if I would stop paying the loan. The Lady told me, I would not own anything, in case I'd give the car back and that it would not be reported as a repossession, since the loan was discharged. But as long as I make my payments, ( which I intend to do ), I can keep the vehicle and pay the loan off, as agreed upon. 
On XX/XX/XXXX at approximatelyXXXX XXXX, I wrote another email to Miss XXXX XXXX , asking for a written confirmation, that, if I would give back the vehicle, I would not owe any money to Brigdecrest and that this would not be reported as a repossession. I asked, why the loan is still in their Bankruptcy Department, when the bankruptcy was discharged over half a year ago, and was told, since " I failed to get a Reaffirmation '', it would stay there forever. I also noticed, that my payoff amount did not change since my bankruptcy, even if all payments were made on time. As always, I received the standardized answer, that Bridgecrest does not answer to emails and that I should call Customer Service. This doesn't make any sense, since the Customer Service is unable to help customers, and just in place to block customers requests. 
So I have no idea if Bridgecrest intends to send me the written confirmation, or not. I will make my payments and keep the vehicle, but I need the confirmation that, in case of me returning the vehicle, I will not owe Bridgecrest any money and they will not report this highly unlikely event as a repossession.
Consumer complaint received 2019-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

Had a XXXX XXXX and last Cable was paid by power of attorney but not fully. Called The company and they said any collection activity would be retracted. They are saying the item was deleted but Equifax and XXXX  are still reporting. The trade line should have Been deleted if not deleted then updated. I even disputed and they came back as accurate but it is not as it has been paid in full and even received an email for a credit back to my account from the company. Equifax and XXXX  are not reporting accurate information.
Consumer complaint received 2019-11-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/XXXX - XXXX, 2019 I made a selling transaction for bitcoins worth {$7100.00} on a website called XXXX. The transaction was done to 2 different individuals. One was for {$3000.00} and the other was {$4100.00}. The buyer was to send me payment through XXXX XXXX to my bank chase. Once I received the funds through XXXX I will release the bitcoins to them. And that is exactly what I did. I have receipts and everything. The next morning at around XXXX XX/XX/2019. I got out of class and tried going to the gas station to fill up my car. I used my chase debit card and it was automatically declined. I thought it was a mistake because I just checked and I had {$7100.00} in my account. I called up chase and the lady on the phone told me that my account from chase is preparing to be shut down permanently. I was confused and rushed over to the bank to talk to someone immediately. When I arrived to the bank no one could help me. They reached the fraud prevention online center and the manager of the fraud department told me that my account was flagged for suspicious activity and that my account and funds will be frozen until they finish their investigation. I tried explaining them what happened but no one seemed to cared. Not only did chase froze my account and took my money without an explanation but they also affected my relationship with other financial institutions such as XXXX  and XXXX XXXX XXXX. On XX/XX/2019 I made a payment of {$250.00} to pay off my monthly credit card bills using my chase account. And on right after I received my money from XXXX from the buyer I immediately transferred {$6500.00} into my XXXX  trading account. The money that I paid to XXXX XXXX XXXX was successfully processed and so was the funds to my XXXX  trading account. But since chase has frozen my funds and locked my account, they also reversed my payment through XXXX XXXX XXXX and XXXX. Now Im affected by not only chase but these 2 other institutions. XXXX  XXXX send me an email threatening to close my account down because of chase reversing my funds without my permission and now I have to sell out of my position on XXXX  just to even out the {$6500.00} that was supposedly already went through but is now being reversed because of chase. Everyday Ive been calling chase fraud department and theyve given me a different answer every time I have called. At this point Im out of luck and very frustrated and confused. All I want are answers and my hard earned money back. I understand that chase has the right to close my account down but they dont have the right to take my funds away from me and reverse payments that arent authorized by me.
Consumer complaint received 2019-11-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SD)

I am a victim of identity theft, I have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however, they are refusing to remove the information stating that item comes back validated even though the information incorrect.
Consumer complaint received 2019-11-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc. (TX)

A review of my credit report show that DIVERSIFIED CONSULTA is reporting a debt owed to their company. I have contacted them several times through mail disputing this account and requesting validation. DIVERSIFIED CONSULTA has failed to validate this debt, proof they have a license to collect this debt, and provide me with documents containing my signature authorizing the establishment of this account. 

According to federal law debts must be valid and verified to be listed on credit reports. DIVERSIFIED CONSULTA is in violation of FCRA at this time for furnishing incorrect information that is negatively impacting my quality of life.
Consumer complaint received 2019-11-06
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. (CA)

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2015-04-12
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (OK)

We purchased a home with high interest rate due to that I had a id theft in the past and it hindered my rates etc. We got the home in 2007 and we wanted a fixed rate, but rather gave us a var. rate loan. The whole time they never had our balance correct and the monthly fees were different each time. We could not set our budget due to the performance and actions of the lender. They kept telling us oh if we send this much then the amount would go down. Well there were times we sent XXXX or XXXX or less etc. and they never did what they said. They traded our loan from one company to XXXX whom did the same thing, they cheated us and then went to XXXX XXXX XXXX they pulled the same stunt. Now we are with SPS and they have only applied our money toward interest and no principal so therefore our balance has been the same since then. This is cheated us of hard money. Now this company has had a lawyer threat to forclose and added XXXX to it etc. We should no loose our home due to dishonest and fraud companies. I want help for use, I have dealt with stress related issues and vomiting due to this. I am tired of us being taking advantage of us. All we want is to keep our home and get credit for our payments not just put the money aside as if we did not pay. help us and want a fixed rate they should credit us or refund our money if they play crooked. I would like a settlement not threats from a lawyer etc. that to me is wrong very wrong. We do n't have XXXX to pull out of a hat just to satisify a crooked firm. their no. XXXX acct. # XXXX thanks
Consumer complaint received 2024-10-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Management Recovery Corp. (NMRC) (VA)

XXXX XXXX XXXX  keeps trying to collect money for XXXX XXXX  that i do not owe i cancelled the policy and it was paid in full, they do this all the time and I have called them numerous times and can't seem to get this resolved, I do not owe XXXX to anyone i want this removed from my credit reports
Consumer complaint received 2019-11-07
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: Experian Information Solutions Inc. (TX)

On XX/XX/XXXX, a letter was sent to Experian regarding 4 collections on my credit report that I was not familiar with, asking Experian to investigate the accounts and provide proof that these accounts are legit and belong to me. The accounts in question are XXXX XXXX XXXX, Acct # XXXX, for {$500.00} and XXXX XXXX XXXX, Acct # XXXX, for {$410.00} and another for {$650.00} ( the fourth was removed ). Experian sent me a letter stating that the accounts were " verified '' for the {$500.00} XXXX XXXX XXXX XXXX and {$410.00} ( XXXX XXXX XXXX ) but removed the {$650.00} ( XXXX ). How can you verify one account and not the other?? And on the " verified ' accounts, they failed to provide me any proof these accounts were mine. I sent a second letter regarding the same matter ( XXXX and XXXX ) on XX/XX/XXXX and Experian sent me a letter stating once again that the accounts were " verified '' but again failed to provide any documentation that these accounts were mine. The letters sent cleary ask for such information, but these request are ignored. Yesterday, XX/XX/XXXX, I noticed that XXXX XXXX XXXX suddenly decided to report the accounts stated above ( the {$410.00} and {$650.00} no account number provided ) to my XXXX credit report. These had never been reported to my XXXX Credit report. Mind you, these accounts also date back to XXXX of XXXX. I see this act as retaliation from XXXX for disputing this incorrect info. I am concerned and disturbed on how they acted regarding this dispute. I have also contacted a law firm regarding the issues with XXXX which I was advised to hold on taking any action until CFPB has conducted their investigation into the matter.
Consumer complaint received 2016-12-04
Product: Credit card — 
Issue: Rewards — 
Company: JPMORGAN CHASE & CO. (CA)

I have a Chase XXXX credit card and I attempted to redeem my points for holiday air travel. The Chase XXXX XXXX, ( where one redeems points ), failed to purchase the flights as requested. By the time we ( my husband and myself ) discovered their failure, bookings were more expensive and there were fewer available flights. We called Chase XXXX XXXX at least three times and spent approximately three hours to resolve this issue. Despite the supervisors ' repeated assurance that they would call us back with information they also failed to do that. When I called Chase to register a complaint I was told there was no option other than to speak with their XXXX XXXX ( the same supervisors ) again. I plan to cancel my credit cards after more than 20 years with Chase Visa, but am writing to you in the hope that others do not experience similar treatment by the Chase XXXX XXXX. I would also like to receive the full value of my travel points as promised by Chase supervisors.
Consumer complaint received 2019-11-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2019-11-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Healthcare Collections-I, LLC (AZ)

Acct # XXXX, I am NOT the primary on the insurance. Incorrectly identified as primary by the hospital and by HCI collections. HCI continues to say that I am the primary but they have no evidence of it because it's impossible.
Consumer complaint received 2019-11-08
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (NJ)

XXXX XXXX XXXX, IM FORWARDING A SECOND ATTACHMENT TO THE PREVIOUSLY COMPLAINT ABOUT CARRINGTON MORTGAGE SERVICES , LLC ' AS I REVIEW MY INSURANCE PAYMENT TO XXXX XXXX, I FOUND THAT XXXX  GENERATE ME A CHECK FOR {$890.00}, BEFORE CARRINGTON MORT.TOOK OVER MY MORTGAGE, AND LIKE ALL WAY I THOUGHT THAT {$890.00} WAS FOR ME, BUT I FIND LATER THAT WAS MY ESCROW ACCOUNT THAT WAS FOR MY ESCROW THAT WAS FOR XXXX  XXXX XXXX AND THEN GIVING TO THE NEW OWNER OF MY MORTGAGE CARRINGTON MORTGAE SERVICES, LLC, THEIR WAS NOTHING NEFARIOUS ABOUT WHAT HAPPEN TO THAT {$890.00} CHECK, WHEN THE CHECK WAS SENT TO ME IT HAD NO STRINGS ATTACH. I WANT TO KNOW IF XXXX  XXXX XXXX SAY I DO NOT OLD THEM MONEY, AND XXXX XXXX DO NOT SAT I OLD THEM MONEY, WERE DID CARRINGTON MORTGAGE GET THIS {$2500.00} AND I OLD ONLY {$890.00} WERE DID THEY GET THIS FOOTBALL NUMBER FROM. COMPLALAINT ID XXXX THANK WHOMEVER.
Consumer complaint received 2019-11-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (FL)

THERE IS A FRAUDULENT ACCOUNT IN MY NAME ORIGINAL CREDITOR - XXXX XXXX XXXX CURRENT CREDITOR - CREDIT COLLECTION SERVICES AMOUNT OF THE DEBT - {$120.00}
Consumer complaint received 2019-11-11
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. (PA)

I submitted letter from FTC, police report & copy of drivers license 7 times then faxed it to Experian -the acknowledged receipt bia phone call! The connected me to a global location to no avail as they told me no record of receiving although i sent it 8 times & lady wouldnt have connected me if she did not see the fax! 
They received info but it has been months and i can not get through & someone put fraud alert ON & they last time Fraud Alert was XXXX on, someone OPENED 3 accounts? I wantd it n off!? 
Please, XXXX  has fixed or is fixing and its been since XXXX and is now XX/XX/2019 & fraudulent accounts are still on my credit report!!?
Consumer complaint received 2015-05-28
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: BBVA FINANCIAL CORPORATION (TX)

To Whom it May Concern : I have a mortgage with Compass Bank ( loan number XXXX ) which I am trying to refinance. The bank has quoted a payoff quote that is excessive. My current statement attached shows a balance of {$150000.00} as of XXXX. A mortgage payment was posted after this statement was issued ( XXXX ). However, they are showing a current payoff of over {$160000.00}. When I called their customer department they informed me there was a {$2900.00} interest charge added to the payoff. They are researching this situation in order to verify the payoff amount and have asked anywhere from XXXX to XXXX hours to conduct their audit and respond. 
I believe this shows some significant issues with a bank operation when they proceed to offer such gross negligent payoff quotes. Fortunately for me I am knowledgeable enough to understand there was an error in their calculations. My concern is that Compass Bank may have issued many incorrect payoffs in the past and have not provided refunds to less sophisticated customers. If they know of a system problem, they should have corrected this by now. 
A suggest an audit of their operations in calculating an providing payoffs would be appropriate.
Consumer complaint received 2019-11-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Conn's, Inc. (PA)

Account was opened for {$5000.00} in store credit. Furniture and tv was purchased. Items were delivered as broken tv and the incorrect furniture the same day. The tv was swapped for an opened no box used tv. I complained that no registration documents were provided for manufacturers warranty and the furniture was not what was ordered. The company refused to take return of the items. 48 hours after purchase I contacted the financing department to cancel and returned the items within the 72 hour cancelation window stated in the purchase agreement and the store had refused and stated they will just negatively impact my credit. 5 years later the creditor marked this account on my credit report as charged off after falsifying that I had made the first 3 payments and reported the items as  repossessed however they items were never repossessed and I have never made a single payment. They have also made the false amount to be almost {$7000.00}.
Consumer complaint received 2016-09-22
Product: Debt collection — Auto
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: CJA Auto Sales, Inc. (AZ)

CJA Auto Sales INC, came to my residence when I was not home. 
A respesentaive placed court document on my door without getting a signature from me. Now I have 20 days to answer this complaint. I have went to credit companies for help CJA stated that I have the vehicle in my possession. The vehicle was repossessed after missing one payment. The agency is suing me for a remaining balance owed after the repossessed vehicle was sold in an auction. I also feel the vehicle was not of that value. I feel this is an harrassment to collect money.
Consumer complaint received 2017-02-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (GA)

I have had a judgement on my credit report for XXXX years about XXXX XXXX Inc/ Serenade Apartments. This judgement was satisfied and I exceeded the disposition taken to not have any repercussion against me. However, I have dispute this transaction several times and received the same outcome with it being on my credit. I believe that there are XXXX claims with this entity against me. I will be providing documentation to dispute.
Consumer complaint received 2019-11-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Alpha Recovery Corp (CA)

My husband opened up his own account which i did not have any knowledge until he was ill. I only found out about it when a collection agency phoned and asked to speak to my husband. I told them that he was ill and unable to talk. They continued to call and I continued to tell them that he was unable to take and is very ill, this was over 2 month period approximately 10 time. I finally told them that he was to dyeing and they did change their tone. Then under stress I established a payment agreement and that is when I started receiving notices from Alpha Recovery Corp. Once my husband died, I called them to let them know that I was unable to pay the agreed amount and if we can decrease the amount, they TOLD ME THAT I NO LONGER HAD TO PAY AND CLOSED THE ACCOUNT ON XX/XX/XXXX AT XXXX XXXX DST. 

In XX/XX/XXXX, I decided to refinance my home. Found out that their was a negative comment on my credit profile. I looked into it and finally found out that it was the Alpha recovery Corp., on XX/XX/XXXX. They informed me that I needed to pay the amount if I wanted it off of my credit report. They did mention that this is NOT A JOINT ACCOUNT. I then asked them why does it show joint on my credit report, they did not directly explain it but mention that I need to pay it if I wanted to get my loan. He said, If I pay the loan, he can give me 10 % off of the balance. I said then why did they tell me on XX/XX/XXXX, that I did not have to pay. He said that was the best he can do. He has not called me back as of today, XX/XX/XXXX. 

This does not seem right. I was willing to pay on XX/XX/XXXX with a lower amount and they said NO, I was not obligated to, it was not a joint account. Now they want the balance!!