davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-03-02
Product: Credit card — 
Issue: Credit determination — 
Company: AMERICAN EXPRESS COMPANY (CA)

I checked my credit score on XXXX and it says that for my American Express credit card I have missed 12 payments, witch I 've never missed one. The card it 's closed already because on XXXX XXXX I made my last payment.. 
I had a balance of almost {$5000.00} in XXXX XXXX, could n't pay it off like they asked me to, so I call American Express and made a payment plan with them for 12 months of {$380.00} a month. I never missed a payment for this card and it shows on my credit repost that I missed all the 12 months payments.. I can prove that I never missed a payment because they discount automatically from my bank account every month. I open a dispute on XXXX to verify that, but nothing happen.. My credit still bad because of that..
Consumer complaint received 2016-01-17
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (FL)

I am receiving attempts to collect from a company ( Midland Credit Management , Inc ) I am not aware. In addition, the company XXXX XXXX XXXX XXXX XXXX XXXX is listed, as the original creditor, I am unaware. I need to prove from Midland Credit Management that are attempting to collect a fraudulent debt. I need to see an original contract signed by me. I am know that I have never signed a contract with either of these companies. I have looked through my personal paperwork XXXX contracts signed from XXXX ). I have no records of a contract by me with Midland Credit Management or XXXX XXXX. Mildland Credit Management has been report erroneous information to the crediting reporting agencies of a " bad debt. '' If Mildland Credit Management has proof of debt with my signature, I want the company to produce that information. As a now, I receiving notices from a them and I have no idea who they are and what " debt '' there attempting to collect. If this attempt is legitimate, I sure the company will comply and produce the original document establishing a " debt ''. 
This is an attempt to establish if this is a valid attempt to collect because I have no knowledge of these companies and signing any contracts with them.
Consumer complaint received 2016-06-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have disputed these collections several times with XXXX, XXXX and Transunion and they refuse to remove the accounts off of my credit report for the account numbers XXXX, XXXX, XXXX. I have advised all bureau 's that this hospital refused to use to XXXX provided to me by the state at the time of nmy XXXX and issued these medical bills through the employer I no longer worked for as i was too ill to work and terminated my employment. These medical bills were processed fradulently and I request that they are removed immediately. Medical covered for my XXXX provided by the state of florida can be verified through the state or as requested. I am requesting all late fees and all XXXX account be removed.
Consumer complaint received 2016-05-06
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ENCORE CAPITAL GROUP INC. (CA)

XXXX and Midland Funding are reporting the same debt as a collection on my credit. I contacted both companies with an ID Theft Report proving to them that I was the victim of Identity. I have not received any financial gain from the account listed. 
The entities named above validated the debt as mine, yet they did not provide any documentation legally linking me ( XXXX XXXX XXXX ) to the accounts. 
The problem with their validation is : 1. The accounts are linked to an address that he has never resided at. 
2. according to the FCRA the number one way companies validate an account is through a signature neither of the entities above have done so.
Consumer complaint received 2016-01-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: ENCORE CAPITAL GROUP INC. (NJ)

I filed a chapter XXXX bankruptcy in XXXX XXXX. The debt/account was opened in XXXX XXXX. In XXXX XXXX the chapter XXXX was converted to a chapter XXXX.Due to the conversion any debt that was due at the time of the conversion XXXX XXXX XXXX XXXX is now discharged XXXX XXXX v. XXXX XXXX XXXX XXXX ( XXXX XXXX ). I have sent MCM an letter, the bankruptcy conversion info and the case law. No action has been taken by them to remove this account from my credit.
Consumer complaint received 2016-02-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (AZ)

I have been contacted about a debt I do owe. I have tried to call and make the payment but their office is " not authorized '' to take my payment. I have tried to pay on line but the service responds that I am unable to pay over the website and must call. I have been provided a number to call that is authorized to take my payment but the phone number goes directly to a voice mail. I have now incurred over {$50.00} in late fees and am unable to make a payment.
Consumer complaint received 2023-04-19
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (IL)

I have had great payment history with this card ever since I have opened it XX/XX/XXXX. I paid the account to XXXX on XX/XX/XXXX, and have since been receiving late fees as well as delinquent credit reporting for this card for fees that are being added to my {$0.00} balance making it appear that the account is delinquent. My available balance was also decreased in XX/XX/XXXX from XXXX to XXXX which also negatively impacted my credit score. I have not made any new charges to this account since XXXX.
Consumer complaint received 2016-10-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: On-Site Manager, Inc. (CA)

XXXX at XXXX XXXX apartment complex filed for eviction, placed the account for collection and filed a judgment against me in XX/XX/XXXX. In XX/XX/XXXX, I appeared in court to answer the charges and the case was dismissed with prejudice in my favor. Although the collection agency and credit bureaus honored the dismissal order and removed the collection account from all XXXX bureaus, unfortunately this case is still part of public record ; consequently, the rental application I submitted to XXXX XXXX XXXX in XXXX XXXX, CA 3 days ago was denied based on that public record. I then contacted 'On Site ' who does the credit and background investigations for XXXX XXXX and submitted the dismissal order as requested, but they are saying they can not update their report for this application or future ones because the case number on the public record does not match or appear on the dismissal order, however, all other identifying information is identical. I then contacted XXXX XXXX and was told to contact XXXX XXXX to have the item deleted, however, XXXX XXXX stated this item does not appear on their records, therefore, they can not assist with this matter either. It seems the only record of this is the case is the public record filing and everyone is saying it is not their responsibility to correct it. The debt was invalid from start which is why the case was dismissed with prejudice.
Consumer complaint received 2016-09-27
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc. (CT)

I am writing for my aunt, XXXX XXXX XXXX. She was given a loan from XXXX XXXX back on XXXX/XXXX/2014 for a new XXXX XXXX. She already owned a XXXX vehicle that was approximately 4 years old, which she had paid cash for upon purchase. She continued having it serviced at the dealership in XXXX XXXX, CT. When she went in for a " tune up '' she was told it would cost {$500.00} but if she wanted to get a new vehicle they would void the charge to get her in a new car. My aunt being elderly and possibly has XXXX to some degree was told that he current vehicle was going to start having problems and it was no longer under warrantee and that purchasing a new vehicle would be her best bet. 
We are not sure how this purchase was approved as she only had income of {$630.00} from XXXX with no other assets besides her home. At the time of sale she was also convinced to purchase " resist all '' for {$690.00}, which must be a rust guard of some sort. It appears that this elderly woman was part of some predatory lending. Her monthly payment was {$270.00} up until she lost her home and had to relinquish her vehicle since she has no funds to pay for it. Why was this loan granted? Should n't she have needed a co-signer? The monthly payment is almost half of her XXXX, how was this approved? XXXX XXXX is not very kind in this matter. - they also want her to pay a re-stocking fee.
Consumer complaint received 2015-06-22
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: HEARTLAND PAYMENT SYSTEMS INC (VT)

My XXXX XXXX bought my private loan servicing contract from my lender XXXX Bank, XXXX. I never agreed to this, but do not have an option. I have been in XXXX school for the last XXXX years, and at the start of each semester am harassed for a payment despite automatically being entered in the XXXX XXXX XXXX. An auto-dialer calls both me and my co-signer at least XXXX a day, states " this is XXXX XXXX '' and hangs up. This is not the complete message, and when I call to request a stop to the calls I am told they can only provide temporary relief. I am also told I may not speak to a manager, and I may not have the phone number for XXXX Bank. XXXX Bank charges late fees, which I have no recourse to dispute since XXXX XXXX will not remove them, and will not give me contact information for XXXX Bank. The automated phone calls are harassment and the late charges and inability to escalate a claim are unconscionable contract terms.
Consumer complaint received 2017-01-25
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: HEARTLAND PAYMENT SYSTEMS INC (NC)

With the increasing awareness on tactics of predatory student loans I believe there is cause for a lawsuit regarding my student loans carried by ECSI. 

At XXXX XX/XX/XXXX ( Tuesday ) I was unable to reach ECSI to pay my loan. Their web help line was unavailable and their phone lines indicated there was a 20min wait time. After leaving a message to be called back, my number was never returned. I 've attempted to contact ECSI many times in the past with similar problems. 

Considering my significant balance with ECSI of {$53000.00}, my monthly interest accrual is approximately {$210.00} per day, so around {$7.00} per day. 
Delays in the ability to conduct payments or discuss account problems causes undue financial burdens on the customer. 
Moreover, when trying to give a one time payment on my account, I am unable to pay the same day or day after and only have the option of paying on specified days put forth by the loan company, the soonest date being XX/XX/2017. By delaying my payment of {$25000.00} until XX/XX/XXXX, I continue to accrue a higher debt load as the loan balance is higher over further increasing the amount of interest owed. Also, as I 'm unable to put in a one time payment, I need to set the auto payment to {$25000.00}, have the payment go through on XX/XX/XXXX and then login again and switch the auto payments back to the monthly amount. NO OTHER STUDENT LOAN COMPANY makes their customers do this. This also sets people up for failure. Moreover, their website is down frequently and is very difficult to navigate making mistakes more likely. 

After finally getting through to a customer service representative, he confirmed that yes, there was not way to electronically put in y payment sooner than XX/XX/XXXX. He also said they were updating their website and he would send me the link to the new one but he never sent it. I asked why I was n't able to access this when I searched for their site online. 

Please please look into this company. I had loans with XXXX and this company is going the same thing! Sincerely, XXXX XXXX, XXXX
Consumer complaint received 2015-12-02
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO. (NY)

I am currently working with a mortgage banker with Chase bank and waiting for a closing date. i locked in on a fixed rate back in XXXX that is about to expire after 60days which will be next week. i have provided the mortgage banker all the documents requested in a timely manner. for the past month of XXXX, the banker has told me that they are in the process of verifying my employment. as of Tuesday XXXX/XXXX/15 afternoon, my job 's HR informed me that they have contacted the bank has verified my employment. as of now, i have not heard from my mortgage banker and when asked about any updates, he has not been able to provided me information on the status of my home loan. at this point, i feel that my mortgage banker is giving me the run around and wants the fixed rate to expire next week so that i am forced to pay a penalty and forced to take on a different and higher mortgage rate. what should i do at this time? can you please help me.
Consumer complaint received 2016-07-25
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO. (OH)

First and foremost i am extremely upset on the decision Chase has given me. My card was stolen from my possession and during this whole month period chase did n't alert me when my card was being used in another state. Approximately 6 to 7 hours. The total that they have used is about XXXX dollars. I contacted the merchants and spoke with multiple managers in which they say that the signature is in a females name on most of the transactions. Lastly, chase does n't want to refund me because of inconsistent information. While most of these transactions happened during my instructing religious class, which was 7 hours away from me.
Consumer complaint received 2016-08-02
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO. (TX)

I requested my mortgage payoff amount on XXXX/XXXX/XXXX and was told that I should receive payoff amount in 3-5 days. I called again on XXXX/XXXX/XXXX and was told that the payoff quote has not been generated and that a request was put in on XXXX/XXXX/XXXX. I called the bank again on XXXX XXXX, XXXX. They told me that my payoff quote was mailed out on XXXX XXXX, XXXX, and I should receive payoff quote on XXXX XXXX or XXXX XXXX. As of today 's date, XXXX XXXX, XXXX, it has not been received. I asked for payoff quote to be verbally given over the phone and was denied the request.
Consumer complaint received 2016-06-27
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Nelnet, Inc. (IL)

I attended XXXX College XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX The school is a fraud, the program I attended was a scam XXXX XXXX XXXX, I was promised a XXXX XXXX XXXX degree, in which I can not even use because the school is not accredited. Now I am required to pay this bogus loan back. This is absolutely absurd please assist me with exposing how this school scammed the US Department of Education Loans for students to take out money to help them with a degree and right after this school is closed.
Consumer complaint received 2016-09-20
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO. (NJ)

Account number : XXXX I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XX/XX/2015 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2015-07-07
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO. (NJ)

I have been a credit card holder at Chase since 2006 under the Chase Freedom card. Upon review of my account, I called to inquire to see if I could change my card to a XXXX card, so I could benefit from the travel rewards that are gained through purchases. I went online and saw that they were offering XXXX points for the first {$4000.00} purchased in the first XXXX months, as well as various other features. During my phone call the woman who assisted me told me that she could change my account to the XXXX without an issue. I asked numerous times ( the call was recorded ) that as soon as I receive my card that after I make a {$4000.00} purchase that the XXXX points would be applied to my account. She said yes. I confirmed a few more times, and she said yes. She also stated that she would keep my existing 9.24 % APR, and wave the {$95.00} fee for the first year, which was another feature advertised on the website. I received my card yesterday, called to verify it was up and running and that I could make the {$4000.00} purchase to gain the XXXX points and was told that the XXXX feature ONLY applies to new customers, not an account switch. Not at anytime was this told to me, but rather the complete opposite, and it was confirmed multiple times. I explained this, asked to speak to a supervisor, and was told that the {$95.00} fee was going to be waved, as well as keeping my 9.24 % rate, but the XXXX points would not be given after my purchase of {$4000.00}. The supervisor told me that was only for new customers, I explained that my conversion, on a recorded line apparently contained incorrect information. The supervisor said that they would pull the call and 'reprimand ' the customer service individual who provided me with the wrong information. None of which solves my issue. I explained I was a customer since 2006 and if this was not honored I would be closing my account. They did not seem phased.
Consumer complaint received 2016-06-21
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO. (CA)

Chase Bank ignored me when I contacted them by phone approximately two weeks after the charges [ appeared ]. Chase promised me that they would refund the money to my account. Because I got sick I was unable to verify or confirm if they had done what they said they were going to do. I trusted their word, but unfortunately they never refunded the money. After some time had passed I called them again, but they ignored me. My XXXX is not very good, but I do understand and they treated me with discrimination. After some time I called them again. Then they sent me a letter saying that the dispute was outside the time frame even though I explained to them that I WAS NOT PLACING A NEW DISPUTE ; I WAS CALLING TO HAVE THEM FIX THEIR MISTAKE. APPARENTLY they purposely, maliciously and conveniently continued to ignore me since the beginning to invalidate my rights as a consumer. I am closing the account but before I do I need them to honor their word and do as they said. They should not mock me in that manner just because I am a XXXX.
Consumer complaint received 2016-04-21
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO. (CA)

THis is my Complaint with Chase Morgan Bank Please HELP. CHASE MORGAN BANK keep trying to FRAUD me with my OVERDRAFT. 
Ok for over a week all my purchases has been pending and these purchases are was paid and and delivered threw mail but yet it was still pending. Chase just want me to be confused that show I have money when actually my account is already negative. They just want me to buy more when my account is already overdraft. 
RIGHT WHEN I send them online message about why all these almost or XXXX purchase are still pending. They fix it the same day or night. 

WELL NOW. I paid XXXX {$330.00} and it actually showed up on my Account. But when XXXX charge me for {$450.00} why did Chase all of a sudden put this {$330.00} pending and charge {$450.00}. You see I figured out my purchase. I paid the $ 335 days before and it was not pending. So that left me with about {$59.00}. Then I knew XXXX was going to charge me the {$450.00} whcih I will be charge an Overdraft fee. 

But what does Chase go and do so I can PAY for XXXX OVERDRAFTS. The put the {$330.00} that was not pending days ago in pending now and they paid for the {$450.00} which was just posted today and should of been pending. 
And this is how they charging me for XXXX OverDraft. 

I am sick and tire and I am tired of CHASE taking advantage of my XXXX becuase I have a payee too. CHASE has been doing this and IM FINALLY FED UP.Im XXXX and angry and having problems with this. I am on SSI and struggling. They know I need the bank for my SSI. What they think im to dumb or stupid and to sick. 
PLEASE I am going to file with the Consumer Complaint and XXXX and WHo ever else I can reach. and XXXX XXXX ect ... 


THank you XXXX XXXX
Consumer complaint received 2016-01-10
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Hauge Associates, Inc. (NE)

During this period I was hospitalized for XXXX surgery, immediately following the XXXX I was transferred to XXXX for XXXX XXXX and remained hospitalized for 5 days. I have XXXX XXXX XXXX XXXX insurance and had met my full individual deductible at which point XXXX covered 100 % of the remaining medical expenses. I have disputed this with XXXX and the collection agency " HAUGE ASSOCIATES INC '' The Hague Group XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX and they refuse to remove this from my XXXX credit report. I do not owe this debt and feel as though I 'm being extorted to pay before they remove move it.