davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AK)

I have had a debt that was suppose to come off of my report XX/XX/XXXX. account was opened XX/XX/XXXX. according to the credit report last year, it showed when it would be removed. the reporting agency also said I made a payment when I did not. all I did was give them documentation to prove that I did not owe the debt. and all they did was adjust the amount owed to a couple hundred less. upon reviewing the new credit report where it should have came off. they have now updated it to remain for 4 more years and changed the dates for updated and dates closed to XX/XX/XXXX. SAYING OPENED ON THAT DAY AND CLOSED ON THAT DAY. originally it said closed on XX/XX/XXXX. they have done that with XXXX of the reporting agencies and it has come off on another.
Consumer complaint received 2015-04-19
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: Blitt and Gaines, P.C. (IL)

Trying to collect on a debt that I do n't recognize. Reason, I never opened up any accounts in XXXX. Will NOT give me any info, rather just selling this debit to other attorneys with amounts I have never heard of nor recognize.
Consumer complaint received 2016-09-27
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: JPMORGAN CHASE & CO. (KS)

We recently paid off our Chase Slate credit card, paid off on XXXX XXXX, 2016. Prior to paying this off we had auto payments setup, so they were taking {$210.00} payments monthly. We called Chase Slate and again paid off the account on XXXX XXXX, 2016 and were told the account was paid in full and closed and nothing else was needed. However on XXXX XXXX, 2016, another auto payment of {$210.00} was taken from our checking account. Due to this now we do not have funds for other bills we have already paid, so now we have to deal with returned payments. I contacted Chase Slate on XXXX XXXX around XXXX and was told they would review account and have refund checked mailed out within seven business days. I explained we can not wait seven business days for the funds to be mailed out. I asked if they could overnight the payment, but was advised they do not have that option. We asked for a supervisor and spoke with a XXXX XXXX, who after I explained everything asked how this was their fault. He turned this around on us and advised it 's the customer 's responsibility to follow up on the account and confirm any auto payments are turned off. Advised when we called to pay this off we were told everything was done and account was closed, so asked how they took funds out of my account if claim was closed. He could not answer and kept blaming me saying it 's the customer 's responsibility to follow up. XXXX continued to talk over me when I was trying to explain and ask questions to get a better understanding. I asked for his manager, XXXX XXXX, but was advised XXXX was the only supervisor in the building and there was no phone number or ext for any manager there and no manager had voicemail. He advised I will have to call back between XXXX and XXXX to see if a manager is available. At this point we just want our money back that should have never been taken out of our account. The other credit card we paid off had no issue stopping the auto pay option. I do not appreciate XXXX, a supervisor, blaming everything on me and advising the credit card company did n't do anything wrong. He advised the call was recorded and I hope it will be saved and can be listened to and not magically disappear which I assume will happen. I do plan on calling and asking for XXXX 's manager but again assuming when I call I will be told there is no manager in building or they are in meeting, so I am filing this complaint to see if I can get funds back asap. Also want to make sure this does n't happen to anyone else. I did the right thing by paying off my debt but they did n't turn off their auto pay function, but now a supervisor is telling me this is my fault. If this is sent to Chase I am sure I will never hear from a manager, but I will never deal with Chase again going forward and will be sharing my story and the response I got from a supervisor with Chase with everyone I can. This could have been a simple fix and a 5 min. call, but instead this has blown up due to the way it was handled. Thanks for your time.
Consumer complaint received 2015-10-21
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: JPMORGAN CHASE & CO. (NC)

XXXX called my mother who lived in another state and told her that the police were looking for me and something about me going to court and that I needed to call them asap! and They told her that they had been to my house a few times and failed to find me!!!! I have called them and asked them to stop calling me so now they are calling my family members
Consumer complaint received 2016-02-19
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: JPMORGAN CHASE & CO. (NJ)

Chase has sent me a notice of accelerated action taken against myself and my father for XXXX. I have received ZERO statements from XXXX informing me of my current balance for two months and when the extended modification agreement was entered into I was specifically told that a forbearance would be applied to past due loan. This is the first letter i received and I obviously can not pay XXXX in full.
Consumer complaint received 2016-12-22
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: National Credit Systems,Inc. (FL)

This collection has been on my credit report I do not know what it is for and have asked not less than 12 times for validation of debt and to have it removed from my credit report. To date I have never received a debt validation from this company nor has it been removed from my credit report. They constantly update this collection every month harming my credit for a debt I have no idea what it is for.
Consumer complaint received 2016-09-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Second Round Limited Partnership, Austin, TX Branch (TX)

Second XXXX is attempting to collect and sue over an account that was paid in full by XXXX insurance provided by XXXX XXXX in 2012. This debt is false. I am being harassed over the phone with multiple phone calls back to back and they have come to my home at XXXX at night threatening my spouse
Consumer complaint received 2016-05-27
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Capital Accounts, LLC (GA)

I found an account that I did n't recognize on my credit report. I have sent multiple letters to capital accounts asking for validation of this debt over the past 7 months. The last letter I sent to capital accounts was on XXXX XXXX, 2016. This letter was sent pursuant of the Section 623 of the Fair Credit Reporting Act. Section 623 of the Fair Credit Reporting Act allows me to dispute information directly with the furnisher of the information. Capital Accounts has failed to respond in a timely manner. I assume that capital accounts has no documentation of this account. I believe this account to be a fraudulent account and capital accounts refuses to respond to any of my letters.
Consumer complaint received 2016-08-02
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (CA)

Chase closed my account over the weekend ( non-business day ) and is holding my funds without explanation. Today, XXXX XXXX, I walked into the branch and they did n't disclose information about the status of my account and I was told that they were n't able to release my funds to me. I always deposit my checks inside the bank and keep a regular balance. I 've never over drafted and I was never charged a fee.
Consumer complaint received 2015-03-30
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: JPMORGAN CHASE & CO. (NE)

I ca n't pay for my private student loans. They have ballooned to more than double what I borrowed. I feel like I have a " payday '' student loan. They want me to pay over {$220000.00}, who can afford to pay that? They were marketed to me as a way to pay for the things you want or need while in college. To buy books, a nice apartment or even a new car. I got emails frequently saying it 's time to sign up again for your Chase Education One loan. I thought the Chase loans were different than the XXXX XXXX loans because XXXX XXXX mentions additional fees in their advertisements were as Chase did not. 

Well to make a long story short, they were sold to a different bank while in forbearance. I received no notification that they were sold and no notification that the sale took them out of forbearance. I also received no notification they went into default, I only learned they were in default by a debt collector call months after they were sold and place into default. I thought I was being scammed because I had paperwork saying they were in forbearance. 

I 've have searched for advice the last 6 years on how to settle and handle the loans only to be misinformed, sold some unneeded service debt service and flat out told you have no hope to get the loans out of default. 

Now that information is becoming more available I have learned in order to get them out of default I have find find a competed private student loan attorney, pay $ 2-4000 in lawyer fees and another $ 4-8000 as a good faith deposit just to get them out of default. Likely many, I could n't come up with all those fees and now I am being summons to court. How can I while making $ XXXXk a year afford to get caught up on these loans, let alone pay off the loans. These loans have left me helpless and hopeless!
Consumer complaint received 2016-06-10
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CRA Collections, Inc (DE)

with all of the above stated derogatory marks on my credit, it seems all are medical bills. Being that I am a XXXX XXXX who has paid for medical insurance for years, and when i was unemployed during lay off periods and what not I had medicare. If they could all be brought into XXXX debt, not several seperate collections, I would be more than happy to find a payment solution, and given a break on the total lump sum due to financial situations and I already pay a medical premium, child support, taxes, etc. If possible I would like all the medical credit history brought together as XXXX collection and a payment set up.
Consumer complaint received 2023-02-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: OneMain Finance Corporation (CA)

XXXX is the Credit Card that OnceMain Financial offered me. I was informed I had protection that I was paying into with the loan if I lost my job. In XXXX, I did lose my job and have not yet found a new one. I had 4 other credit cards that all worked with me to go into a reduced payment without fees or added interest closed accounts or plans to continue to stay in good standing while I worked on finding a new job. Of course, I've exhausted boring money from family or friends and relief programs, and can't even cover my rent, utilities or car, which are necessary to finding work to pay off the credit card. The interest is 33 % so interest charges are ~ {$65.00} and my statement shows late fees charged the day after I made payments- Whaaatt??? 

XX/XX/XXXX - paid {$120.00} then on XX/XX/XXXX a late fee was posted of {$40.00} Trying to reach anyone over the phone at this company is a joke, and OneMain said they have nothing to do with the CC company XXXX, even though they are the ones who signed me up for the card. 

Turns out they do not offer any programs period, and maybe might remove one late fee. The issue with this is that they keep charging interest and late fees, and don't even follow the correct billing schedule. They refuse to acknowledge that no one is available in customer support, which causes further delays and late fees. They have no interest in doing anything but hounding you with automated calls throughout the day asking for money, which you responsibly called and explained your loss of income, but they refuse to work with you. You can submit a letter online, but then you just get a letter in the mail asking you to call them. Vicious circle! This results in further damage to your credit score. How are you supposed to work with a company that is unreachable and offers no customer service? XXXX and OneMain are scams of companies that whom should be avoided at all costs!! How is anyone supposed to pay this off? The card is literally in the negative now simply due to late fees and interest charges when the company could have actually tried to help and still get their money in the process.
Consumer complaint received 2023-02-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (IN)

So currently my account I have been permanently deactivated because of some sort of account violation, that I did not commit. I have funds still in my Venmo account but I am unable to receive my funds for 180 days. This is so unacceptable I would like for my funds be released to me and for my account to be deactivated.. I just want my funds
Consumer complaint received 2016-12-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (GA)

Loan was deferred. I was told by a customer service rep that the deferment would be retroactive for the XXXX payments while completing the process. My credit report now shows XXXX late payments for XXXX loans during that period. I have disputed several times and sent emails but they will not communicate on what happened or how we can get it resolved.
Consumer complaint received 2023-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX
Consumer complaint received 2017-03-19
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: STERLING JEWELERS, INC. (OR)

I had a credit account with Sterling Jewelers d/b/a Kay Jewelers. Per XX/XX/XXXX Oregon Revised Statute 166.090 sub paragraph 1 ( 1 ) A telephone caller commits the crime of telephonic harassment if the caller intentionally harasses or annoys another person : ( a ) By causing the telephone of the other person to ring, such caller having no communicative purpose ; ( b ) By causing such other person 's telephone to ring, knowing that the caller has been forbidden from so doing by a person exercising lawful authority over the receiving telephone ; or ( c ) By sending to, or leaving at, the other person 's telephone a text message, voice mail or any other message, knowing that the caller has been forbidden from so doing by a person exercising lawful authority over the receiving telephone. 
( 2 ) Telephonic harassment is a Class B misdemeanor. 
( 3 ) It is an affirmative defense to a charge of violating subsection ( 1 ) of this section that the caller is a debt collector, as defined in ORS 646.639 ( Unlawful collection practices ), who engaged in the conduct proscribed by subsection ( 1 ) of this section while attempting to collect a debt. The affirmative defense created by this subsection does not apply if the debt collector committed the unlawful collection practice described in ORS 646.639 ( Unlawful collection practices ) ( 2 ) ( a ) while engaged in the conduct proscribed by subsection ( 1 ) of this section. [ 1987 c.806 2 ; 1999 c.115 1 ; 2005 c.752 1 ] Between the period of XX/XX/XXXX to XX/XX/XXXX I received over 100 calls from various area codes ranging from Ohio to Hawaii between the hours of XXXX PST to XXXX PST with recorded messages saying please call your jeweler or please call Kay jewelers. There were as many as 6 calls in one day without any messages or with hang ups. On XX/XX/XXXX I called Kay Jewelers asking for their legal departments information and was denied that information. I advised the representative that I felt that I was being bullied by the insane number of spoofed calls and that I wanted to complain. I also told the phone rep that I was going to file a complaint through my attorney generals office as well as the Department of Defense so that military personnel will be warned about Kay 's collection practices. The rep gave me Kay 's corporate address which was the billing address and at that point i ended the call. For the remainder of that day Kay tried to call me and backtrack on my account by saying that i was not in collections. The last person that I spoke to I advised them that I had nothing more to say and I hung up. I then received a series of robocalls with no background sound. 2 days later I received a letter from Kay Jewelers saying that my account has been closed.
Consumer complaint received 2017-03-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: On-Site Manager, Inc. (AZ)

On-Site.com denied me from renting an apartment with XXXX . After reviewing their report the account for XXXX is inaccurate and I 've disputed this account with them to no avail. The account is n't showing on my credit report only my rental report. This is a fradulent account and needs to be removed. I request full validation of this alleged debt, as allowed by the Fair Debt Collection Practices Act. This company denied my request.
Consumer complaint received 2016-01-08
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: American Capital Enterprises, Inc. (CA)

An item on my credit report says I owe a debt that I did not know about. As I have not had any loans or credit cards since around 2004, If this is my debt, it is over the 7 year reporting limit, and it is also a time barred debt ( Cal. Civ. Proc. Code 312 et seq. ), so it should not still be reporting on my credit report. I have disputed this item on my credit report and been told it will not be removed, but requests for proof that is my debt and when this debt was last paid, have gone unanswered.
Consumer complaint received 2015-06-10
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (OK)

My name is XXXX XXXX and I went to the university XXXX XXXXIn XXXX oklahoma. I have graduated and now my father ca n't be release from my loan due to forebearance. I have made all of my payments on time and believe it is unfair to keep my father on my loan and debt. Please address this issue so he can be removed from my loans.
Consumer complaint received 2016-07-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (MD)

On several credit reports it is noted that I was 60 days late on my Federal Student Loan payments in XXXX of 2014 - however, during this time I was a member of XXXX and on a loan deferment program. I 'd like to have the late payments on my Federal Student Loans erased.
Consumer complaint received 2016-01-12
Product: Debt collection — Non-federal student loan
Issue: False statements or representation — Indicated committed crime not paying
Company: AES/PHEAA (CA)

I 've been paying on this student loan ( private ) that had gone into collections for almost two years. While working with a credit repair agancey they told me that the $ XXXX that I owed and had been paying on was not being reported to my credit report and would remain in collections until I paid in full or settled. Also their interest rate was 4 % on the loan amount per day! so only half of my monthly payment was going toward the loan. I find that it 's totally illegal to hold someone hostage like this with such a huge amount ESPECIALLY when they are paying on time and have been.
Consumer complaint received 2015-08-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SUNTRUST BANKS, INC. (TX)

SunTrust took over the Mortgage Servicing of my mortgage in XXXX 2015. I got my first notice from SunTrust on XXXX XXXX, 2015, ( attached ). The previous mortgage servicer sent me partial information on the transfer before that. SunTrust also sent me a statement dated XXXX XXXX, 2015 stating I was Past Due {$570.00}, apparently for the XXXX XXXX payment. They said I needed to pay {$1100.00} to bring the mortgage current. I have no idea how they got that unless they were trying to collect the XXXX payment 29 days in advance. 

I use an automatic Billpayer system for all my bills. SunTrust gets a check each month from my credit union. I 'm not sure why but unlike most of my other XXXX mortgages, so far the credit union is mailing vs. sending the payment electronically. It appears it is taking SunTrust 7-8 calendar days from the time the payment is mailed until they receive, process and post it. 

As a result of this, while they are slowly processing payments, their computer starts making robo-calls to my home phone. Having received XXXX today, I got my recorder out and answered the third XXXX since my credit union shows the payment was sent on XXXX XXXX, see statement attached. 

Eventually XXXX joined the call and I was told the call was being recorded for quality purposes. I told her that they were not authorized to make robo-calls and/or auto-dial me with a computer and to take me off that list. I 'm not she responded to that. She asked for more identifying information, my phone number, other phone numbers, etc. Eventually I told her I was recording the conversation too. At that point she told me I did n't have her permission to record the call. I told her they did n't ask for my permission when I was told they were recording the call so what did it matter. She said she could n't talk with me or something to that effect and hung up.
Consumer complaint received 2015-08-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Torres Credit Services, Inc. (TX)

TO WHOM IT MAY CONCERN-THIS ACCOUNTIS REPORTING AS OPEN AND PAST DUE THAT WAS INCLUDED IN MY CHAPTER XXXX CASE # XXXX. I HAVE MADE MANY ATTEMPTS TO THE COLLECTIONS AGENCIES TO CORRECT THIS INFORMATION WITH NO SUCCESS. THESE ACCOUNTS HAVE ALSO BEEN SOLD TO NEW COLLECTION AGENCIES THAT ARE REPORTING THESE ACCOUNTS AS NEW ACCOUNTS, WHICH I UNDERSTAND TO BE ILLEGAL PRACTICES AND HINDERING BY ABILITY IN REHABILITATING MY CREDIT AND MY PROTECTION UNDER THE CHAPTER XXXX BANKRUPTCY LAWS. 
ATTACHED YOU WILL FIND A COPY OF MY CREDIT REPORT AND CHAPETER XXXX PAY SCHEDULE OF CREDITORS