davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-11-23
Product: Credit card — 
Issue: Payoff process — 
Company: JPMORGAN CHASE & CO. (TX)

Chase, like many banks, offers special promotional rates tied to its credit cards. Though they send out voluminous emails, and it would be easy to include a reminder to consumers, they bury the " due date '' to pay the balance in full and not incur interest on the last page of their paper or PDF statements likely hoping you 'll run over. One might be tempted to call this a " scam ''.
Consumer complaint received 2016-09-17
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CAVALRY INVESTMENTS, LLC (NJ)

This collection company is continuing their collection activity on this account on my credit report. I feel they did not validate this account or debt per my request that I sent them in the mail previously. They have not provided signed proof that I incurred this debt, an itemization of the debt and a copy of the underlying account statement and other written validation and explanation of the debt. 

Being that they failed to provide it, this is a clear violation of FDCPA. Proper validation consists of copies of some type of current creditor records, not records which only verify that the collector believes an account is valid. 

They are also violating the Fair Credit Reporting Act ( FCRA ) by reporting inaccurate information on my credit report : Account Number : XXXX Balance : {$1200.00} Original Creditor : XXXX
Consumer complaint received 2016-01-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (CA)

In XXXX 2015, a court order for arrears in child support was entered. The court ordered judgement explicitly said that as of XXXX XXXX, 2015 a debt of {$22000.00} was owed ( agreement between parties, including " unreimbursed medical expenses and arrears in child support '' ) .The Office XXXX Texas has been reporting incorrectly a wrong balance, that is being paid down every month, and, despite my many emails, phone calls and complaints on their website, is not correcting the wrong information. I had submitted a complaint through XXXX and Equifax ... at first they deleted the wrong info but now they are reinserting the SAME wrong info. 
All I would like is XXXX that the Texas XXXX enters ACCURATELY the judgement and XXXX that XXXX and Equifax reflects this accurate info and did not even VERIFY whether the info was accurate or not. 
Thank you!
Consumer complaint received 2017-03-31
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Express Recovery Services, Inc. (UT)

Express Recovery Services has received numerous validation debt letters over the years and request to verify 100 % proof and 100 % accuracy of a debt I have no knowledge of. They have sent printed screenshots of an account a few years ago which violates the FDCPA and I immediately sent another letter requesting 100 % verifiable proof 100 % accuracy of a written contract, signed documents to verify the debt and all my letters have been ignored by ERS. I sent them a cease and desist letter two years ago from calling me. Yet, I received a call at my mobile number from an unauthorized person from ERS named XXXX XX/XX/2017 stating she was attempting to collect a debt. They are aware of a cease and desist being in effect for the last two years. I called her back and left her message to cease and desist contacting my cellphone I never requested to speak to her. Now since I have been harassed by ERS I am requesting for ERS to again through the CFPB portal to provide 100 % verifiable proof 100 % accuracy according to the FCRA and FDCPA of a written contract, signed document that they claim on this debt I have no knowledge of, as this debt is not mine. Please provide the requested documentation through the CFPB portal.
Consumer complaint received 2016-06-30
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: PNC Bank N.A. (PA)

I placed a Stop Payment on check number XXXX, for the amount of {$2500.00}, on XXXX XXXX, 2016. 
PNC Bank N/A confirmed the Stop Payment on the check, in account XXXX, both on XXXX XXXX, and today 's call. Check XXXX was, nonetheless, paid by PNC bank on XXXX XXXX, 2016. I called PNC to complain and get compensation. I was, at first, refused in my request to speak to the manager in charge. PNC is informed that my mortgage payment is due on XXXX XXXX, 2016, and due harm to me and my family will result due to its error. PNC has admitted its mistake. To date no satisfactory resolution has been completed.
Consumer complaint received 2015-04-28
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PNC Bank N.A. (NV)

My sister was murdered on XX/XX/2015. I called PNC mortgage to file a claim on her mortgage insurance. They denied me that right stating they ca n't release privacy information to protect her identity. Since she 's dead there is no identity to protect. I informed them it was illegal to deny me the right to file a claim in a nutshell they said they did n't care.
Consumer complaint received 2016-02-29
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (CO)

I applied for my free credit report via annualcreditreport.com, as I do every year. I have been unable to get an online version from Equifax since XX/XX/XXXX. ( XXXX and XXXX have no problem with my online report. ) In XX/XX/XXXX, I sent in my written request and had to follow up two more times before I received it. 
In XX/XX/XXXX, I sent in my written request and had to follow up once again before I received it. 
In XX/XX/XXXX, Equifax would not even let me get to the identity-verification questions online, and I was told to send in a written request. ( I was about to travel for work and was not able to send it in. ) Now, in XX/XX/XXXX, Equifax again will not give me online access, and I again look forward to the hassle of requesting it through the mail. 

I have not changed addresses, I have not changed my name, and I login from home. There is no reason for me to have such additional hassle to get Equifax to comply with my request. It seems they want to make it as difficult as possible, in hopes of discouraging users from getting their files, and I suspect they are attempting to avoid their legal requirement to send consumers their reports. Thank you.
Consumer complaint received 2015-05-08
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (NY)

I have roughly XXXX of private student loans on top of about XXXX federal loans. I have a great paying job and am making right around what the average college XXXX makes. I have been trying to get my private loans consolidated for about 8 months now. I have been unsuccessful in doing so. Even though I have a good credit score and my cosigner has a great credit score & gt ; XXXX, a I was told I needed an additional co-signor and when I did apply with XXXX co-signors, they denied my consolidation. I recently went to buy my leased car and the car dealership informed me that my student loan debt accounts for 112 % of my monthly income. Luckily I have had a great deal of over time the past 4 months and have been able to keep up with payments, however now overtime is dwindling and my savings is starting to vanish as well. XXXX eventually I wo n't be able to make payments within the next 4-6 month period. I have found my private loan supplier to be uncooperative, unsympathetic, and unhelpful.
Consumer complaint received 2017-01-20
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (GA)

At the time I borrowed the money the company was XXXX XXXX. I was told over the phone that when I borrowed the money it would not accrue any interest until after I graduated college. Just as long as I did n't be out of class for no more than 6 months. At the young and vunlerable age of XXXX, I did n't know any better. After graduating in XXXX of XXXX ( in school from XXXX XXXX XXXX ) I was unemployed and unable to find work, so I joined the XXXX at XXXX in XXXX of XXXX. Right about the time my previous loans were coming due. I was told I could put them in forbearance for a period of time without getting into trouble for a certain amount of time ( I ca n't remember how long they said ). At this time, I took out an additional student loan to put myself through the XXXX because frankly I did n't have any money. Fastforwarding to graduation of the XXXX in XXXX of XXXX, I was again told I had 6 months until my loan payments were due. In XXXX or XXXX of XXXX, when I finally looked into repayment of my loans, they had been accruing interest of ungodly amounts. My {$13000.00} or so of principle balance had grown to over {$30000.00}. This was devastating news to me. At times, I asked for lowering my payment and they said they could, but by this time I had learned my lesson of not to trust them. After investing, all I would be paying was straight 100 % interest. My principle would not be reduced at all. So I kept toughing it out. In the past 3 1/2 years I have paid almost {$15000.00} and I still owe {$22000.00}. As a matter of fact, I paid {$3500.00} on XXXX loan of 13.675 % today. Please help me and many like me. 

Regards, XXXX
Consumer complaint received 2018-07-19
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (MN)

Repeated robo calls at different times of the day and from different phone numbers. XXXX XXXX is what pulls up on phone ID. We have no dealings with this company and it will not stop. Madding ... .First calls start every morning at XXXX. I have blocked on XXXX and on XXXX. Phone rings once and stops.
Consumer complaint received 2015-07-03
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (WA)

XXXX XXXX XXXX sold my mortgage to Nationstar. With XXXX, I made bi-monthly payments, without issue. They came out the XXXX and XXXX of the month, barring holidays or weekends, which they allowed to come out a day or XXXX late. 
Now that my mortgage is with Nationstar, they send me foreclosure letters constantly, even rhough I never have been late. They state if I want the letters to stop, I need to call their XXXX party company to make bi-monthly payments ( this XXXX party company charges 300+dollars for this service ) or set up autopay. Thing is, I already autopay through XXXX bill pay TO Nationstar on the XXXX and XXXX. Why would I setup another autopay? I am XXXX XXXX XXXX and can not access the internet or telephone while XXXX, so why set up XXXX party phone pay? Also, they stated if I do not pay in full when they want, my money goes into a reserve account until it is fully paid and may not be applied properly to escrow, interest, and principle. 
From my understanding, the original terms of a sold mortgage MAY NOT BE MODIFIED, including disbursement of the payment, how the payment is made ( bi-monthly or not ), or how much payment is made, barring a raise in escrow to cover raise in insurance/propery tax. 
So, please enlighten me ... why are you trying to change the terms of my loan? Why did you buy my loan if you can not accept bi-monthly payments? How hard is it to apply payments properly? These problems are on YOU, not me, and I REFUSE to accept responsibilty for these issues. I had no say in my loan being sold, and I am not to be blamed that YOU can not accept bi-monthly payments because you are a new company ... you are n't. You are post-bankrupt under new management. I amonly with you as long as it takes to finish my current XXXX and then I will refi with a companythat is non profit and knows what they are doing. It is my responsibility to make sure you apply payments properly and to notify you if there is an error, something yhat will be next to impossible to do, since I am put on hold for XXXX min. each tkme I call customer service.
Consumer complaint received 2016-02-28
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

I got a loan from capital one auto finance and when I applied for the loan they rated my credit which was XXXX a loan rate of 23 % and other people were getting much lower rates, I 've noticed that the company seems to charge really high rates even when a person has decent credit. I am XXXX and had a hard time paying for the car note so I called them and did a voluntary return to them, after they sold the vehicle at auction they are now saying that I 'm still responsible for the interest on the car which is XXXX the car was n't worth that much to begin with. it was a 2013 Nissan versa.
Consumer complaint received 2018-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EVERBANK, NATIONAL ASSOCIATION (FL)

I received my credit report from XXXX this morning and found some things into the report that I had no knowledge of. Yes last XXXX I received a letter form XXXX XXXX XXXX that I maybe one of 14 million that was in the problem of the credit bureau being breached then.

From the looks of it they were right I have addresses that I never lived at and the misspelling of my last name as well as some one tried to get credit in my name as well. 

Now I am seeing addresses that I never lived before. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX Single family house XXXX XXXX XXXX Address identification number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX Single Family XXXX XXXX XXXX Address ID Number XXXX These places I have never lived before. And I never used my son 's name o co apply with me on anything now that is a fraud because his name has been used for different things as well.So that is wrong too, now the spelling of my name is wrong as well over Name identification number XXXX XXXX this is not my name at all. If your going to fraud by using some one else name spell it right. 
XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX NM XXXX ( XXXX ) XXXX So what XXXX XXXX XXXX told me was true. I have companies calling and telling me that I have to renew the house and car warranty when I do not even own one. I have checked my own back ground check and find that thee are a million XXXX XXXX XXXX 's because it is a common name. I just happen to be one of them. I do feel that I was a victim of ID Theft because to find these tings on my credit report is hindering me from advancing to do better for myself and family. I am trying to get a small business loan now and can not get it because of all of these things on my credit report. It makes me look bad hen I am trying to clean things up and not owe anyone at all. 
these things I did not know about until today
Consumer complaint received 2018-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OK)

Equifax continues to report information on my credit report that they have sent me in writing confirmation that the items would be deleted ( see attached documents ). I have requested that the following addresses be deleted ( Equifax stated on the report dated XXXX.2018, confirmation # XXXX, that all of the addresses had been deleted ; yet when I pulled my credit report on XX/XX/2018, almost 120 days later, the addresses are still reflected as are accounts that companies instructed Equifax to remove : DELETE ( See attached report where Equifax stated these addresses were deleted : XXXX XXXX XXXX XXXX, OK XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX Delete : XXXX XXXX XXXX XXXX ( Account # XXXX ) XXXX XXXX ( Account # XXXX ) XXXX XXXX XXXX ( Account # XXXX ) XXXX XXXX XXXX ( Account # XXXX ) XXXX XXXX ( Account # XXXX ) The above mentioned companies instructed all 3 bureaus to DELETE the entries ; however, Equifax has blatantly refused.

In summary, DELETE ALL AFOREMENTIONED INFORMATION FROM MY EQUIFAX CREDIT REPORT AND PROVIDE A NEW, FULL, CREDIT REPORT THAT REFLECTS THE OUTCOMES.
Consumer complaint received 2016-09-23
Product: Debt collection — Medical
Issue: Communication tactics — Used obscene/profane/abusive language
Company: American Collections Enterprise, Inc. (VA)

Amercican Collections Inc has repeatedly been harassing and intimidating when I have interacted on the phone with them. The manager whom I was transferred to after speaking with XXXX, threatened to call the doctor 's office I owe a debt to and tell the doctor 's office that I am not cooperating with the terms of the payment agreement. XX/XX/XXXX, I was told as long as I pay the debt prior to the last day of the month, my account will not change. I sent a partial payment using my bill pay XX/XX/XXXX and was waiting until I saw the payment post to my bank account to pay the difference. On the day the company received the partial payment, on XX/XX/XXXX, they called me and were telling me contradicting information regarding whether or not me giving them money to pay my debt was a problem. I started this payment agreement XX/XX/XXXX and paid XX/XX/XXXX. XX/XX/XXXX is not even over and they are threatening that they will have the doctor 's office collect the original amount. When they called on XX/XX/XXXX, I had already been planning on calling them to use my credit card after I saw the check post to my account, as I had done the previous month. Had they called me simply to ask me to pay the difference for XX/XX/XXXX instead of trying to berate me and pressure me, I would have paid right then. Instead they behaved discourteously. They kept using the word, " generous '' to describe the benevolence of the doctor 's office and I strongly feel the language they were using was meant to belittle me and to intimidate me and to make me feel guilt and shame, despite that I am paying this debt. They are behaving very badly while I am paying this debt. I do not deserve to be harassed and threatened because I am paying a debt. They have lied and misrepresented the information regarding the payment of debts. Also, my husband called ACEI after I called him at work and I was very distressed. When he called ACEI, he spoke with XXXX, who transferred him to the same manager. She disclosed sensitive personal information regarding the debt. She told him who the debt was from, how much it was and all information regarding the debt. To my knowledge, sharing that information is illegal and against confidentiality practices. They did not have my consent or confirm that he was my husband before sharing my personal information.
Consumer complaint received 2016-04-21
Product: Credit card — 
Issue: Delinquent account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I have had capital one now for a couple yes and I really like them, but when you run into tough times they do not help you at all. I was in school and working at the time I acquired my capital one credit cards. I lost my job and had to start paying back my student loans, and so my credit card bill went past 120 days cause I just could n't get the money to pay anything. I finally payed both my cards off I full and they told me my account was restricted and they could unrestrict it for me but I had to wait a couple days, ok fine. I fell into harder times this time around and they went again another 120 days past due, but I thank God I found a stable good job and I made my minimum payments to keep my account from going into collectionsome, so I two days ago payed them both completely off and now they are telling me my account is restricted and they ca n't do anything about it and I will have to reapply again. 1. That does not make any sense because why would I really want to read run my credit again and if I do n't get accepted and then what and it hits my score. 2. Why would they even restrict my account without notice and without my consent, I am still paying my money to them, and I do want to stay with capital one, but I called and they told me there is nothing they can do on reopening my accounts because they went pass due. I just do n't understand why they do this to you and make it harder on me now and I payed it in full hoping I can reopen my account. This is crazy, time consuming, and stressful.
Consumer complaint received 2024-10-18
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)

In accordance with the fair credit reporting act the following accounts has violated my rights : These accounts are reporting inaccurate information. 

XXXX Account Number : XXXX XXXX XXXX Experian / XXXX XXXX Account Number : XXXX XXXX XXXX/ Experian / XXXX
Consumer complaint received 2016-04-16
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

My significant other & I have been in a Loan Modification process for several weeks with Capital One after receiving a Notice of Foreclosure Sale. The last sale date had been set for XXXX XXXX, 2016, and because we had submitted paperwork, they moved the sale date out to XXXX XXXX. Last week, XXXX XXXX, we faxed them updated bank statements - the last documents they requested. This week Capital One said they had all the documents and that our file is now with the Loss Mitigation Underwriter. I have been checking the Trustee 's foreclosure sale website and it is still showing a sale date for next Friday, XXXX XXXX, 2016. I spoke with XXXX on Thursday, XXXX ; and XXXX on XXXX at Capital One and was told by both of them that XXXX was going to contact the Trustee 's office & have the date postponed or canceled. Since, as of today, XXXX XXXX, the Trustee 's website had n't changed, I contacted them directly and they stated that had n't received any further communication from Capital One since the request in XXXX for moving the date back to XXXX XXXX. I 'm interpreting that they had asked the Trustee to move it back approx. 30 days, which would put it on or around XXXX XXXX, 2016. My complaint is that since we are in a full loan modification process, they can not still be pursuing an active foreclosure process. This is dual-tracking and my understanding is not allowed.