davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-09-18
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (TX)

The company is Experian and of course it is impossible to find a phone number to speak with a person and complain. I recently worked with a home builder and applied through their lending company to be pre-qualified. All of a sudden I start getting a bunch of phone calls from XXXX XXXX XXXX, I finally asked them why they were calling me. They knew my full name, phone number, credit score, the fact I was in the home buying market, etc. When I asked how they knew they told me Experian gives them the information during the credit checking process so that they ( XXXX XXXX can call and offer a competitive offer. I find this activity highly unethical by Experian. A credit reporting agency of all people should NOT be sharing private information with a third party.
Consumer complaint received 2016-01-25
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc. (NY)

someone used my name, my daughter 's name and our socials to file income tax. 
Also someone tried to use my social to obtain credit cards I filed police report, due to some of my personal documents were missing from my apartment at prior address in XXXX Also filed Identity theft affidavit
Consumer complaint received 2016-09-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (TX)

Chase bank has not been been able to resolve an issue with our mortgage payments. Their failure to post a payment three years ago has caused damage to our credit score since it seems our account is past due. We have attempted to resolve this issue on numerous times to no avail. Every time we call, a new representative takes our phone call and, after looking at the evidence, agree with us that it was a simple accounting error. We wait for another three months and call again. As you can imagine this is a XXXX situation and we are ready to take legal action. A friend recommended we take our case to this agency. Thank you and hope to hear from you soon.
Consumer complaint received 2015-12-10
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Cooper Hoffman Klein Associates (MI)

I 'm receiving multiple calls from an Debt collector claiming to be from Cooper, Hoffman, and Kline - XXXX XXXX. They have called me several times at my job with numerous threats to prosecute me due to fraud. When I called them back to verify their company name, address, etc. they were extremely rude and short. They are calling my cell phone, employer, and family members. Although I 've included this extension, they are calling me from multiple extension and different phone numbers
Consumer complaint received 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Nelnet, Inc. (TX)

I was in school right up until I joined the military in 2013. For the past three years I have tried to get my loan payments form Navient and Nelnet lowered and each year each company told me I did n't qualify and I had to pay back or do a military deferment. My bills would be over {$1200.00} a month and they knew I was military. In the past couple of weeks, I discovered I do in fact qualify to have them lowered and written off after 10 years of good payments but not before they added more and more interest to each and I found it out on my own. Public service does include military, do not let them tell you that it does n't. Cost me big time! 

I attended XXXX XXXX and XXXX XXXX in MN.
Consumer complaint received 2015-09-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: HW Holding, Inc (AL)

I 'm filing this complaint because XXXX formerly XXXX ( XXXX XXXX XXXX ) apartments mailed me a final bill on XXXX XXXX, 2015 stating I had 30 days to pay the balance of {$580.00} which is not the correct amount. Then I rec 'd a letter from Hunter Warfield ( a collection agency ) dated XXXX XXXX, 2015 stating that the account is now in collections and on my credit report. There a few issues going on here : 1. ) the 30 days stating in XXXX XXXX XXXX 's ( XXXX XXXX XXXX ) letter had not expired, 2. ) Crossings at XXXX ( XXXX XXXX XXXX ) never gave me a opportunity to dispute the balance and/or pay before sending me to collections ; 3. ) The Collection Company-Hunter Warfield did n't offer me an opportunity to dispute/validate this debt either ; 4. ) Finally, the collection company did n't verify with XXXX ( XXXX XXXX XXXX ) that this was a valid collection debt ... 
I want this filed as complaint against this company considering I have already filed several complaints with corporate office about the ill practices of their XXXX, AL office ( XXXX XXXX XXXX ) located at XXXX XXXX XXXX, XXXX.
Consumer complaint received 2016-04-22
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (CA)

Our mortgage was purchased by Ocwen a few years ago. Recently ( XX/XX/XXXX ), I called to ask about the status of a loan modification that we applied for and was told that we had an outstanding balance on our account. I thought it was strange and so I checked to verify that we had paid our bill that month. I located my bill, checked the amount, and verified online that our check had cleared - it had. 

When I asked for more information they told me that there had been an increase our bill. However, when I asked about when this had taken place I was told that it happened after my bill was generated and mailed. In other words, I had NO WRITTEN ANNOUNCEMENT of the increase in the amount that they are saying took place on XXXX XXXX. 
I have tried 5 times or so to contact them about this and every time I have heard that the only people who can handle this are 'supervisors ' who happen to be on other calls each time that I call. Today it is XXXX/XXXX/16 and there is still no end in sight to this madness since I was just told over the phone by a normal agent that in addition to this my payment was going up again in XX/XX/XXXX to another amount for which I had NO NOTICE. 

Ocwen is well known for their frequent violations of legal procedures when it comes to loan management. They purchased our loan, it was not our choice to work with them. This sort of behavior should be dealt with more effectively and consistently. As far as I know many lawsuits and fines have been handed to them, and they have not changed any of the practices from the complaints that I have found on the XXXX. I am hoping that this is a more helpful avenue.
Consumer complaint received 2020-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

I pay my balances on my 5 credit cards every month. So my XXXX credit card reported my balance down to {$0.00}. Which on today that {$5.00} that was paid off showed a XXXX. Then Experian reduced my credit score down 16 points. I called them and they said that they did not see any negative items on my report and don't now why my credit score dropped 16points. And my statement to them is I don't know why either. All I got from this is they can do whatever they want and sit back and take it. I'm very disturbed by what just took place. here is my information. XXXX. XXXX XXXX XXXX XXXX my address is XXXX XXXX XXXX XXXX XXXX IL XXXX. They keep also lying to me about my name being corrected. I just see XXXX XXXX XXXX. And it need to say XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-06
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: Nelnet, Inc. (NV)

My student loan was recently transferred in XXXX. The new loan company has reported the information more than one time as more than one account when in actuality it is only supposed to be one account. It only has one account number on all 4 accounts being reported. I had disputed this with XXXX and XXXX and both came back as verified accurate. When I called the loan company they told me that it will go back to what it was before eventually, not even given a date and said there was nothing else they can do and I also have the option to consolidate it to join them together. I shouldn't need to consolidate a loan that is only one account to begin with. Both bureaus and company refuse to delete off my report
Consumer complaint received 2015-11-23
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Westlake Services, LLC (MD)

In XXXX 2014, they repoed my vehicle - upon them receiving the next day {$1800.00} XXXX ( more than what was owed ) they INCLUDED all the necessary fees affiliated with the REPO charges. Thereafter, a full and final payment of {$460.00} was mailed to Westlake to pay the remaining balance OFF IN FULL. ( check cashed ) A couple of months passed and I called to follow up on the title being mailed to me. I was informed that I had incurred additional charges of {$140.00} for the remaining of the repo bill. I was furious - because I knew they were being very dishonest. In no way would they have released that vehicle to me without all fees being paid in full. 
Not only have they refuse to forward my title to me they have reported Derogatory remarks with all XXXX credit bureaus. 
with all XXXX credit bureaus damaging my credit history. My vehicles is paid in FULL.
Consumer complaint received 2023-07-18
Product: Debt collection — Payday loan 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: CNG FINANCIAL CORPORATION (NM)

have been receiving threating calls from company who claims to be XXXX XXXX XXXX XXXX Attorney I looked it up and address and phone number dont match. They claim I had an outstanding payday loan probably dated back to XXXX? I told them to send me the paywork and they said they wouldnt. Also got many calls saying they had an agent trying to locate me. They wanted to settle for half of what was owed? ( about {$1600.00} ) They wanted me to pay with a debit or gift card? Also on the messages they threaton to have me served in my county of XX/XX/XXXX. They also called my step brother and left a message that they were trying to get ahold of me and I was being charged with FRAUD. I am on disability and this company continues to call on unknown numbers etc. I also told them that I had copies of checks I wrote and they did not want to accept copies. My case # XXXX Phone # XXXX spoke with XXXX XXXX, XXXX XXXX & XXXX XXXX
Consumer complaint received 2017-03-27
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (MI)

I wrote a large check to my son who is a student at XXXX University in XXXX. He opened an account XX/XX/XXXX at a local Chase branch ( XXXX ) with this check. On XX/XX/XXXX Chase took the money from my bank. Instead of depositing the money to his account they closed his account " due to recent activity ''. He complained, they called me. I verified I wrote the check. This happened on XX/XX/XXXX. They said they would reopen his account and deposit the money. It is now XX/XX/XXXX they have not deposited the money and apparently have no intention of doing so.
Consumer complaint received 2017-01-10
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: VW Credit, Inc (MA)

I leased a VW Passat from the VW XXXX, MA Dealership and returned it at lease end last summer ( 2016 ). I got an invoice from VW Credit charging me {$170.00} for an alleged scratch in the passenger door. The VW General Sales Manager validated that there was not a scratch in the alleged location specified by VW Credit when I returned the car in so I took a photo of the location in the car with him holding his business card in case of any issues. Soon after I got a bill and immediately called VW and explained the issue. I spoke to a man that identified himself as XXXX from VW Collections department saying that he received my note in the bill and that he did n't received any picture with the evidence I mentioned. Thus, he requested I get the VW Dealership in XXXX where I returned the Passat to fax him a letter directly at XXXX stating that there was n't any scratch in the alleged location. I requested this from the General Sales Manager so they faxed a letter stating that, and to contact them if there were further questions. I continued to receive letters from VW Credit billing me for the scratch my leased vehicle did n't ' have! I called VW Collections and spoke to another gentleman and explained the situation. He said they never received anything. I went back to the dealership and asked to please fax the letter again. They pulled it from my customer folder and faxed them in front of my eyes and got a sent confirmation from the fax machine. Again, the letters from VW Collections with the scratch amount included continue to harass me. I mailed the same letter to VW to the addresses below as well : XXXX XXXX XXXX, IL XXXX XXXX, IL XXXX I am acting in good faith and going the extra mile to straighten out my account with VW Credit but nothing seems to work. I only want them to credit the {$170.00} because it is incorrect. I am exhausted from trying to provide them with what they need to credit my account but nothing seems to work.
Consumer complaint received 2016-08-29
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: JPMORGAN CHASE & CO. (NJ)

Chase reduced my credit limits shortly after increasing them all. 

This does n't sound like a lot. But it is because other banks did the same purely because when chase reduced my limit it pushed my credit usage up. My usage was about 35 %, it 's now over 50 %. Not because of new balances, but because of limit decreases. 

The full story is that I got a {$500.00} limit on a credit card for balance transfers. It was an error. This limit was wrong. I applied for other cards from chase and was awarded over {$17000.00} in limits. After a year in customer service with them I got to the chase executive team who increased the {$500.00} card to {$12000.00}. A few months later ( literally nothing changed to my credit report ), and purely because of when their automated system checks, my limits were slashed across the board to a few dollars higher than my balance. My usage on these cards went from under 30 % to 99 %. And according to chase, that 's just fine. They have absolutely nothing to do and have done nothing wrong to me. 

XXXX XXXX XXXX, XXXX and others have done the same. It 's sickening. I watch the credit I have worked years on be treated like a child 's toy by these companies. I have never made a late payment, have 12 years of history, had XXXX % usages ( and was paying those down. The way people look at reports these days though this change in my usage has come with a ONE HUNDRED point drop in my credit score. It 's effecting my businesses, my personal finances and my sanity. I feel like since I 've done nothing wrong but fit into their automated " you lose '' machine somehow and the reps of the company I 've spoken with either are n't smart enough to see this as an outlier or do n't have enough authority to correct it. 

I 'm posting this here not because I think anything will come of my own finances. Obviously, these banks do not care and I have no chance of rectifying this situation. But I hope by people knowing about it that something in the future can be done. I feel like since there are so many regulations regarding what else they can do that this is their only way to XXXX me and thus they do it. It 's a bait and switch. Here 's {$30000.00} ... oh wait just kidding ... it 's {$8000.00} ....
Consumer complaint received 2017-03-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Municipal Collections of America Inc. (IL)

I keep getting harassing phone calls from XXXX municipal collections of america saying I owe tickets for a car I no longer have. I do not have a debt and have never received anything in the mail. When I ask about a letter they are rude and hang up. I have blocked them but still get the calls. I feel that because they want information over the phone that this is a scam.
Consumer complaint received 2016-06-24
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (TX)

On XXXX I received a letter from Chase Bank stating that 'after a recent review of your account, we have decided to end our relationship with you. ' Account to be closed on XXXX XXXX. I have been with Chase for 8 years. Never any overdrafts. Paid off a mortgage thru them and paid off a new vehicle loan. No one can tell me why or what triggered them to close my account. I want a specific reason, not just 'due to a review '. I need to know what they saw on this 'review ' to make this decision.
Consumer complaint received 2017-01-25
Product: Credit card — 
Issue: Billing disputes — 
Company: Bread Financial Holdings, Inc. (AL)

I am being charged interest from a 12 month interest free account with Zales Jewelers. I returned the ring only having it for 3 months, the ring was apparently defective, durning the 3 months, I had complained the diamonds were loose, then fell out..the ring was sent out for repair. I hardly had my wedding ring in my possession, so even after repair the diamonds fell out again, at this point, I Returned the ring and loose diamonds, and purchased a new & different ring ( # XXXX ring also placed on a 12 month interest free promo. ) The purchase amount of the returned ring continued to show on my billing statement throughout the year, and on 12 month promo, showing XXXX promos on my billing statement, XXXX was returned, I have called, complained, filed disputes, also faxed " return receipts '' to the disputes department as directed by their customer service associate, then when the first ring promo was up..I was then charged the years worth interest XX/XX/XXXX, I have filed several disputes and complained to the local Zales store, spoke with the manager XXXX, she also called the Comenity Zales credit card services, and once again, they said they had to file a dispute..I was told by XXXX, Zales Manager, they could not help me with this problem that the invoicing shows different on Commenity credit services, on their computer?? ( I faxed the receipts to Comenity ) and still sends me a " sorry your on promo and charged correctly ''. XXXX Zales manager also says the charges are incorrect. I also had to make a double payment XX/XX/XXXX, being told if I did not make a payment they could report me for having a dequlient account. Please help. I can give you receipts of the return and purchase..also dispute rejection letters..they always say give me 60 days, then it 's the same thing..rejection of the disputes! I was told by XXXX during the ring refund they could not refund the extended protection plan. So I have paid for the extended protection plan on both rings. 
XXXX of the returned receipts show " cash '' given back, I did not receive any cash, XXXX ( store manager ) can confirm, she called Commenity and let them know I did not receive cash, XXXX return receipt says " return '' XXXX receipt says exchange ''. The receipts are very confusing. 
I have all of my billing information, receipts.
Consumer complaint received 2024-08-05
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: American Credit Acceptance, LLC (PA)

My credit was charged off XX/XX/year> and they continued to report to my consumer report after the account was charged off. 




( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except -- ( 1 ) to advise the consumer that the debt collector 's further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.

If such notice from the consumer is made by mail, notification shall be complete upon receipt.
Consumer complaint received 2016-01-30
Product: Credit card — 
Issue: Payoff process — 
Company: JPMORGAN CHASE & CO. (MA)

Amazon Visa from JPMorgan Chase ( XXXX ). 

They do not allow you to make a fixed automatic payment monthly, the only options are to pay the " full amount '' or " minimum payment ''. If you try and schedule payments for the future it also does n't allow you as you can only make one payment per cycle, this in turn causes people to most likely forget and incur a late payment, it 's well within their capability to offer this and it seems like a scheme to either 1. get people to pay the minimum payment and 2. incur late fees if they choose to schedule manually since you can not schedule more than one month at a time See below communication. 

Dear XXXX XXXX XXXX : Thank you for contacting Chase. 

Unfortunately, at this time AutoPay does not offer a " fixed payment '' option. Additional payment ( s ) can always be made after the statement due date, but before the statement closing date. This will ensure the AutoPay to be processed each month. 

If you need any other assistance, you can send us a secure message. We appreciate your business and thank you for choosing Chase. 

Thank you, XXXX Account is owned by Chase Bank USA , N.A . and may be serviced by its affiliates. 


XXXX DO YOU KNOW AT CHASE ONLINE YOU CAN .... 
- Gain instant access to view and download your credit card information. 
- See and pay your bill online - Transfer balances - Change your address and much more .... 

XXXX Original Message Follows : XXXX XXXX NAME : XXXX XXXX XXXX Hello, I am just wondering why you do n't have an option for choosing what amount to pay in automatic payments, my only options are minimum payment or pay full amount ex. my minimum payment is {$27.00} and I want to pay $ XXXX monthly. 

In this case I have to manually schedule these payments and often forget to keep scheduling them, is this by design?
Consumer complaint received 2016-02-22
Product: Credit card — 
Issue: Late fee — 
Company: JPMORGAN CHASE & CO. (NC)

The Chase Bank credit card associated with Amazon.com consistently charges late fees for electronic payments, days after those payments have been processed by my bank. It is the only credit card I have that does not credit electronic payments on the day they are subtracted from my bank account. Example : {$220.00} deducted from my bank account for an electronic transfer to Chase on XX/XX/2016 was not credited until XX/XX/2016. Also on XX/XX/2016 they charged me a late fee. This happens each and every time a weekend falls between the transfer date and the due date. It is part of their business model, I am sure. I have cancelled this card but want to report them anyway.