davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-01-21
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (TN)

I 've had a loan since XXXX XXXX with XXXX, now Springleaf.. 

Last month they failed to withdraw the regularly scheduled payment and sent me an e-mail saying I needed to contact them about an important matter regarding my account. The e-mail was sent on XXXX XXXX, XXXX. 

I called, not knowing what the problem could be. I was told by a customer service agent that I did not make my payment for the month of XXXX ( which is normally withdrawn by automatic payment on the XXXX of each month. ) I asked how and why this happened and was made to feel that I was at fault. I asked to speak to a manager. I spoke with XXXX XXXX XXXX and he proceeded to tell me the same thing as the customer service rep. They both indicated that payment had been sent to my bank, and the bank told them there was no account with the number they submitted. I asked what changed since the beginning of the loan, we have never had any such issues previously. He finally admitted that they had made an error on their end, but still proceeded to make me feel it was my fault. He asked for a number to call me back later that evening after he could do some investigating, but I never received a call from anyone & have not til this day. About two days later I received a letter ( dated XXXX XXXX ) addressing me as if I had failed to make payment. A couple of days later, I received a bill indicating I had a missed payment. When speaking with them on the phone I asked why I had n't been contacted by them prior to this conversation, I was asked why I called them. I told them because I received an e-mail. I told them if there was an issue, why did n't you contact me in XXXX, not a month later. 

My question is should n't they have to cover that payment since they made the error? I have n't changed anything on my end since the beginning of the loan. They are now saying that I owe a double payment. I 'm currently waiting to see if the XXXX payment comes out of my account. 

What could be the reason that they changed my information and evidently put the account number down incorrectly. He kept saying they are now doing " direct pay '' and if that means I need to be sure to get the payment to them, why did they not ask me to set that up? 

I hope you can provide some light on this issue, so I will know my rights. Thanks!
Consumer complaint received 2016-08-03
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Pressler & Pressler, LLP (NJ)

I have been sued by Pressler & Pressler and they received a default judgement against me for a debt I do not owe. They have never answered my questions about who I owe, show me any proof, just kept forging along. They requested a wage garnishment and the judge denied it. Now they sent a sheriffs officer to my Broker, ( realtor ) with a writ of execution to garnish my future commissions {$1700.00} that they say I owe. Are they allowed to do this arbitrarily? I have had so much trouble with this identity theft issue for many years and I am struggling to keep even my mortgage up to date. I just do n't know what to do.
Consumer complaint received 2017-02-16
Product: Credit card — 
Issue: Balance transfer — 
Company: JPMORGAN CHASE & CO. (GA)

XX/XX/XXXX To whom it may concern : In XX/XX/XXXX, I entered into a contract with XXXX XXXX to install a new furnace and air conditioning unit. As arranged by XXXX, the work was financed by XXXX, via a VISA credit card, [ Account # XXXX - Amount : {$6300.00}, ( see copy included ) ]. 
Approximately one year later and after more than {$2000.00} in payments, I received a notice on the back page of my monthly coupon/statement ( which I did n't notice ) that the VISA feature was being suspended and transferred to a new non-bankcard credit line ( see copy included ) ; to use only for home repairs and only with XXXX specified vendor - XXXX, account # XXXX ( see copy included ). This seemed like a bait and switch deal to me. Needless to say, I was not happy. 
I eventually decided to transfer the balance of the XXXX XXXX card to a legitimate bankcard ( VISA, MC, etc. ), preferably with friendlier terms. I chose a Chase Bank credit card ( per XXXX XXXX ) and applied for the transfer. When my approval was announced it was only for half of the amount requested [ VISA account # XXXX, ( see copy included ) ] and I was informed no changes could be made until after I received my card and paperwork. 
Once I received the card and called Chase Bank, an attempt was made to transfer the remaining balance from the original XXXX XXXX account. I was immediately rejected ( less than 10 seconds ) and I had to suffer another ping on my credit score for the additional credit inquiry ; with no results, despite the representative 's guarded optimism and the short span between inquiries. 
Now I 'm stuck with XXXX credit cards ( each with substantial balances ) and a compromised credit score that I will have to compromise more in order to get the total balance transferred from XXXX XXXX. 
Ideally, I wanted this not to have happened, so I would n't have to pay the price I 'm paying now to fix it ; but my desired resolution would include : -- Complete transfer of the XXXX XXXX balance to one bankcard ( VISA, MC, etc. - preferably the new Chase card I presently have ), with equal or better terms as that Chase card, at no cost to me or my credit score. I no longer wish to do business with XXXX XXXX. 
-- If that option is not possible, I 'd like the remaining balance on my XXXX XXXX card to be converted or transferred to a bankcard ( VISA, MC, etc. ), with agreeable terms and at no cost to me or my credit score. 
Thank you for your consideration.
Consumer complaint received 2017-02-07
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: BBVA FINANCIAL CORPORATION (AZ)

why is my home loan not showing up on my account? 
where is my irs mortgage interest statement? 
how much were my taxes and when were they paid? 
when did my impound account increase and I was n't notified by letter? 
I have not received forms for the IRS yet and it 's XX/XX/XXXX? 
I need to get my income taxes completed ... ....
Consumer complaint received 2017-02-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (OH)

On my credit reports it is showing XXXX different company names XXXX and on the other FINGERHUT/WEBBANK. Which is it??? It 's also showing XXXX different open and close dates. One credit report is showing XXXX/XXXX/12 and the other is showing XXXX/XXXX/12 as an open date for example. That would mean that I have XXXX different accounts, which I do n't have. XXXX different inaccurate information. The balances are showing {$0.00} and the account is showing closed on all XXXX credit companies, XXXX, XXXX, AND EQUIFAX.
Consumer complaint received 2018-07-20
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Kramer & Frank, P.C. (KS)

XX/XX/2018 FILE STAMP XX/XX/2018, XXXX RETURN XXXX CO KS, SUMMONS, PETITION, AFFIDAVIT AND EXHIBITS SERVED XXXX XXXX XXXX XX/XX/2018 E/S I was told by the XXXX County sheriff office that there will be a warrant for my arrest if I don't show up to court. 
I explained that I can not afford to pay this bill.
Consumer complaint received 2016-08-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX is falsely reporting to my credit, i was never notified about this account, they claimed they did not have a forwarding address, i came to know about a balance of {$130.00} when it was placed on my credit report, paid it off XXXX XXXX XXXX, but XXXX is still reporting to my credit that i am late as at XXXX XXXX XXXX. 

this Account should be deleted for false reporting and illegal collection tactics
Consumer complaint received 2015-07-22
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC. (CA)

PLEASE CAN SOMEONE HELP ME!!!! Equifax has refused, as evident by their response here, to properly address my claims against them that they have, in light of their recent " investigative results '', violated FCRA law Section 605. Account labeled under XXXX # XXXX is incorrect, fraudulently reported and in violation of FCRA law. My attorney has asked me to purse another dispute against their fraudulent claims that this account is being reported accurately. Now, in fact, they have made matters worse by re-aging this account as XXXX days delinquent as of XXXX. I want to repeat, for the hundredth time that this account is NOT reported correctly and this account needs to be removed from my credit report for its inaccuracies and false reporting. Equifax has updated an already incorrect account and has re-aged to be delinquent as recent as a month ago. I have informed them many times that this account has not been opened since XX/XX/XXXX and is a settled account and was never delinquent or in collection. Why have they re-aged this now? Do n't they understand that making it even newer than ever will impact my FICO tremendously worse? How on earth do they verify it XX/XX/XXXX!!!? It has been closed and fully paid in XX/XX/XXXX with XXXX OverPayments and never even settled with XXXX. Their actions has just recently, as of a few days ago, dropped my credit report XXXX points! Their unlawful actions must be stopped please. they are changing and altering this account to be even more inaccurate each time i dispute it, XXXX and XXXX have removed this account, as a result of their proper investigation, and yet they refuse to come to such a resolution and have been very difficult to deal with. They have continually shut me down and are now COMPLETELY refusing to process my dispute on the grounds that it has previously been disputed. I have run out of options as they are XXXX reporting it incorrectly each time and I keep trying to help them correct it and or delete it but they treat me like I am wrong, stupid and do not matter. Please, help me i can not get any loans or credit cards!
Consumer complaint received 2016-10-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Diverse Funding Associates LLC (CA)

XX/XX/XXXX XXXX received a certified letter disputing an account listed on my credit report. I requested, by certified mail, that the accounts be disputed in accordance with the Fair Credit Reporting Act Sec 623 ( a ) ( 3 ). Additionally I requested proof of debt bearing my signature. I received only a letter from XXXX stating they needed additional information to verify account holder information. The letters I sent all included my address and a partial account number they were reporting to the credit reporting agencies. 
I re-ran my credit report 30 calendar days after the receipt of my dispute letter, and the company had not requested the accounts be marked as disputed to the Credit Reporting Agencies. That act alone makes them guilty of non-compliance of FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] After I verified that the XXXX had not even communicated that the account had been disputed to the credit reporting agencies, I sent another letter letting them know they were in violation of federal laws. I received nothing back from them. 
XX/XX/XXXX, I sent a third letter telling them that the account remained undisputed on my credit report and that my intention was to file a complaint with the FTC, and sue them for willful noncompliance with the FCRA 623 ( a ) ( 3 ). 
I have found out since that even though XXXX has received all my letters requesting proof of any sort of debt, the account was sold to a company named DNF Associates. They ( DNF Associates ) have since begun to harass me and my parents. They contacted my parents and told them they were attorneys, and were needing to speak with their son ( me ) concerning an urgent legal matter. I called the number the next day and talked with a man named XXXX who was trying to verify my identity by asking if " I was the XXXX who had a bankruptcy in XXXX. '' Clearly these individuals have no intention of doing the right thing. 
The information they are reporting is incorrect and fraudulent. I have acted in good faith and gave them an opportunity to send some sort of contract, or proof of a debt. 
I am requesting that the accounts be removed as they have already exceeded authorized time ( 30 Day ) to investigate the accounts, and provide me any documentation bearing my signature for proof of debt or account ownership. I want it rectified asap. My next step is to contact a lawyer to litigate due to harassment, and defamation.
Consumer complaint received 2015-09-24
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (NH)

I disputed debts I have that are reported to Equifax as they were opened XX/XX/XXXX and according to NH Statutes there is a three year statute of limitations on collecting debt. When I filled out the dispute there were no choices for this situation but I marked off the closest " incorrect amount '' and then left a detailed comment explaining the statute and that the debts have been on the account for 5 years. Equifax investigated but instead sent it to the collection agency as a dispute about the amount on the bill, instead of what I had written in the explanation section and it came back as denied. Now the collection agency appears to have changed the date on " collection opened '' to XX/XX/XXXX on the credit report to try and restart the statute of limitations.
Consumer complaint received 2018-07-20
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Eastern Account Systems of Connecticut, Inc. (TX)

I filed a previous complaint about this claim in collection, whereas I never got notice of the debt or time to challenge it's validity. Eastern then sent me a copy of a invoice but never proved they or their client ever sent it to me during the 30 or so days prior to placing it in collections and placing it on my credit reports. Just because you make up an invoice does not prove I owe it nor does it prove I was ever given a opportunity to challenge it, this according to Texas State Laws.
Consumer complaint received 2018-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX credit card was sold to XXXXXXXX XXXX XXXX. XXXX XXXX XXXX sold the XXXX XXXX credit card account to XXXX XXXX. It was XXXX XXXX who settled my account with me, comments on my account should be paid and settled account. Paid charge off.
Consumer complaint received 2015-05-04
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO. (MA)

On XXXX XXXX, 2015 I received a phone call from Chase Bank, NA executive offices regarding an existing dispute/fraud claim with a vendor called XXXX located in XXXX XXXX XXXX XXXX. For background purposes, due to the negligence of Employee ( s ) of MEGDRIVE ( the vendor ), the vendors employees fruadulently and negligently gave control of my credit card to a third party who subsequently authorized charges to my card which I never agreed to nor was contacted for authorization purposes. I never authorized XXXX of the XXXX charges and in the case of the XXXX charge only authorized a partial amount of what was charged. 
The XXXX 's employees contacted a third person for authorization on my credit card. This occurred because XXXX 's employee failed to list the card holder ( which I am ) in the computer system, resulting in their contacting the XXXX party for all authorizations which I did not know about. 
Today, XXXX XXXX, 2015 I received a call from a CHASE Bank NA representative who stated that she was from the executive offices. Based on the representative 's statements it is clear to me that CHASE Bank has no clue or understanding of the issues in this dispute. The fact that this incompetence exists is detrimental to my dispute case. I therefore request summary judgement in my favor that all disputed charges be permanently waived because of CHASE Bank 's incompetent comprehension has a negative impact on the outcome of this case and I can not rely on them to correctly represent the facts on my behalf. 

Please have a representative of the CFPB contact me at the numbers listed below. 
Respectfully, XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-07-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Credit Network Inc (CA)

I received a letter from a company by the name of Financial Credit Network in regards to a medical bill. I'm not sure who the original creditor is, however I have double coverage of medical insurance. I wrote them a certified letter and advised them that they have the wrong person and not to contact me anymore. After that, I received another collection letter for a different amount. I now have two alleged debts with this company.
Consumer complaint received 2017-01-13
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (MD)

My vehicle was taken in the end of 2013 due to job loss and non payment. I was never notified when the car was taken to auction and sold so I did not get the chance to reclaim it. 
Than the finance company then at a later date claimed a XXXX for the remaining balance in my name and now they are reporting it as a new open debt for the money that was already given to them based off of that XXXX that I was taxed on. They have also put that " debt '' on my credit from a recovery company so they are reporting the " debt '' twice showing more, different negative reporting on my account for the same debt. The company that sold me the vehicle also re structured my paperwork 3 times when I signed up for the car, causing my monthly payments to be more than I originally agreed to which is another reason I could n't make the payments. The payments were almost XXXX more than I agreed to.
Consumer complaint received 2015-04-06
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: U.S. BANCORP (OH)

On XXXX/XXXX/2015 my bank card was lost and someone began using my card right away, making purchases that I did not authorize. I immediately contacted US bank and informed them of what was occurring. While on the phone with the representative I identified transactions that occurred throughout the day of " my '' spending. The representative then identified transactions that he say occurred and I was able to inform him of transactions that I did and did not make. He stopped the card and while on the phone he indicated that he could see transactions occurring that where coming back as declined. Before we ended our conversation I learned that XXXX of the transactions was reversed for some reason, ( I later learned from the store that the individual that was trying to make the purchase with my card ran out the store when asked for my signature, the manager of the store was able to show me the receipt ). I have been monitoring my account and did not see anything else reversed on my account nor money added. I received a letter in the mail a few weeks ago indicating that the investigation was complete and that they were charging my account for some of the purchases that I had already made and initially told the representative that I had made. Also the purchases that I did n't make I was being told that they were authorized and would be charged back for them as well. I began calling US bank for several days requesting to speak with the agent that handled my claim only to speak with their voicemail. I have provided XXXX different numbers to be contacted at and as of today I have still not received a call from the agent.
Consumer complaint received 2015-03-30
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: JPMORGAN CHASE & CO. (CA)

I have two complaints to make from XXXX experience. I made a payment online on my credit card from Chase sometime during the week of XXXX XXXX, 2015. The due date for payment was XXXX XXXX, 2015. On XXXX XXXX, 2015, I logged into my account online and noticed the payment did not go through. I checked my bank account, and noticed the funds were not taken to make the payment. As a result on the non-payment, I incurred a {$35.00} late fee. I contacted the credit card company to investigate the issue. After I explained the situation, they asked me to answer some questions in order to gain access to my account online. However, the questions they asked were inappropriate. They asked questions typically associated with verifying information from a credit report. Credit card companies have no business using Information about other credit card accounts or mortgage accounts as security questions for their account. I was not applying for a credit card or home loan. I was investigating a potential mistake that they made. The questions should be more appropriate to the account in question. Since I refused to answer questions I felt were inappropriate, they could not assist me any further in investigating when I was last logged in or if a payment was never confirmed after being entered. The customer service representatives handled the situation as best they could given their policies. However, the policy implemented by Chase of using " credit-report '' style questions to access credit card accounts during customer inquiries is inappropriate. Furthermore, the fact that it impeded an investigation into a potential mistake by the credit card company makes this also an inappropriate policy. Although I do not have any email documentation that shows I scheduled the payment before the due date, I am pretty confident that I logged into their website and made the payment.
Consumer complaint received 2016-01-27
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (CA)

I have been attempting to improve my credit score. I have been monitoring my credit report via Experian. I ordered my credit report and observed that it contained some errors. I wrote the attached letter to Experian and asked them to take corrective measures. I cited each entry that I felt should be removed and also cited the points of authority that justified such action. 

I read the Fair Credit Reporting Act as well as the clarifying letter form the Federal Trade Commission. The letter from the FTC said " The commencement of the delinquency that led to the action '' I took that to mean when the first late or default on the obligation occurred. That is when the seven year clock on reporting begins/
Consumer complaint received 2018-07-20
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: TIDEWATER FINANCE COMPANY, INC. (AZ)

on XX/XX/2018 at XXXX a lady by the name XXXX XXXX called durning my working hours advised her there should be a note not to call during this time its an inconvintent time to call. she ignored what I said and continue to proceed with verification and when I stated I am at work she started to get rude and said well what's your email address again I said theres something on file not to call while im at work then asked what's my work number asked to talk to a manager and was placed on hold for a while. XXXX XXXX was very unprofessional.