davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-17
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SIMM Associates, Inc. (CA)

My father recently passed away in XXXX, XXXX from a terminal illness and he was the cosigner on my loan. In good faith, I contacted XXXX to request a release of the cosigner and instead my loan is now considered automatically defaulted when I have never missed a payment since I got the loan in XXXX. Now, the debt collection company XXXX uses to scare people, SIMM, is contacting my mother who is distressed enough from the loss of her husband, demanding payment. I am requesting that XXXX recall the loan from SIMM and allow me to be the sole individual on the loan. It does n't make sense to treat this as a default because I 've been making payments on time and it will turn a good loan into a bad loan. Amount owed is XXXX and XXXX.
Consumer complaint received 2020-05-06
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MN)

XXXX XXXX loans from XX/XX/XXXX to XX/XX/XXXX and XX/XX/XXXX to XX/XX/XXXX were on forbearance and not late payments. Ive disputed this multiple times with Experian with the same results on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have provided accurate and sufficient proof from XXXX XXXX that these loans were in fact on forbearance. This issue has not been solved.
Consumer complaint received 2019-02-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. (CT)

I opened a Chase Freedom account in XX/XX/XXXX with an introductory offer of 0 % APR for 15 months. I have made regular payments of at least the minimum payment due for the life of the account. I anticipated the intro APR would expire in XX/XX/XXXX and I was prepared to make a full payment for the balance of my account. However, the XX/XX/XXXX statement did not indicate that the APR would revert immediately as of the statement date and would begin being applied daily to my outstanding balance. The 0 % rate was noted to expire as of the date of the statement, but misleadingly juxtaposed with the 17.24 % rate listed with a {$0.00} balance subject to the respective interest rate. At the time, I was surprised that both the intro and the new interest rate both appeared on my statement, and so believed that the billing cycle for XX/XX/XXXX to XX/XX/XXXX would be a grace periodas if the balance held during this time were the equivalent of purchases made prior to the XXXX statement and would only require payment by the due date listed on the XX/XX/XXXX statement to avoid interest. Much to my dismay, I received the XX/XX/XXXX statement to find that interest had been accruing as of the date of my last statement. I made an immediate payment on the same date for the entire balance.
Consumer complaint received 2020-09-21
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HEAD MERCANTILE CO., INC. (MS)

I NOTICE THREE COLLECTIONS FROM HMC GROUP ON XX/XX/2020, SO I RESPOND IT TO THEM ON XX/XX/2020 REGARDING THE ALLEGED DEBTS OF : XXXX, AND XXXX THAT I DON'T OWE.I HAVEN'T RECEIVED ANYTHING AS OF YET AND I HAVE ATTACHED A COPY OF THE LETTERS BELOW.
Consumer complaint received 2019-10-29
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Harvard Collections, LLC (AZ)

This company ( Harvard Collection Serv ) which I hold No Contract with nor have received services from is a 3rd party agency who has no right to collect anything from the alleged debtor since there is no way they can prove they were on any original contract. 73 Amjur, 2nd, Section 90. You have no right to subrogate ( substitute ) yourself into a contract. Whether it be by purchase, assignment, transfer, or trade. If you bought the debt you did it on your own behalf. Not at the request of any alleged debtor, and therefore are a stranger to the transaction ( voluntary payee ). Reporting of this debt is a violation of the FCRA and the FDCPA.

Ive conducted some research on this company and in the state of Arizona this company is not Licensed, Bonded, and does not have a Certificate of Authority to collect in the state of Arizona. This is against the state and federal laws. According to the FDCPA : Under the Act, a debt collector communicating with persons other than the consumer for the purpose of acquiring location information about the consumer shall not : use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; 28. The Arizona Department of Financial Institutions ( AZDFI ) is statutorily charged with the licensing, supervision and regulation of state-chartered financial institutions and enterprises.

They are in Breach of Contract by violating the Arbitration Clause. Once a company charges off the account and sends it to a collection company they are in breach of their own contract. This is against the FCRA.
Consumer complaint received 2019-10-29
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (MN)

XX/XX/XXXX XXXX, XX/XX/XXXX - XXXX, XX/XX/XXXX - XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX .- These are all the dates this company used a skip tracing robo dialer system to reach me. On the first initial contact I missed the call and called back. I talked to a gal. Which informed me the call was about a payday loan I took out and fell on hard times. I let herr know that I am in the process of taking care of my delinquent debts and would like something in writting. She let me know she can email it to me. I provided and verified the email address with her. She was very pleasant. The next couple of calls I did not answer for I was at work. I then got another call and answered it at work and let the rep know that I am ceasing all future calls to myself and she told me there was nothing she can do about that calls and cant promise that. I then let herr know at this point I am educated with the law and let her know again her company is not to contact me on my cell phone again she rudley cold tranfered me to what she called a specialist. I ended the call. Today XX/XX/XXXX at XXXX I answered the call and again its that comapny with a skip tracing messaging used via a robo dialer system ( not a live rep ) I had to press 1 if I knew the wear-abouts of myself. I was then transfered to a live rep = Which i informed the rep they are robo dialing a cell phone and they have been ceased from communication. he claims i have to send a letter. I let him know that I verbally told the company already twice before. as I asked in what this is pertaining he terminated the call.
Consumer complaint received 2020-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

On XX/XX/2020 I submitted a dispute to TransUnion for a revolving credit account " XXXX Credit Card ''. The dispute was in regards to an incorrect balance. Its showed a balance of XXXX when the balance was actually XXXX. The investigation was quick and completed on XX/XX/XXXX. The details of the investigation was that they deleted the ENTIRE revolving credit account from my file. This was NOT the request I wanted. I only was disputing the account balance. This account should have stayed on my credit file. 
So I called TransUnion, spoke with multiple Supervisors, and they said the reason the account was deleted because I was an authorized user on the account. No one informed me this and there was no documentation to explain this to me should I dispute an account Im a authorized user. ( That is my first issue ) So they explained that I needed to contact my creditor, XXXX XXXX and have them re-insert showing that I'm still on the account as an authorized user. I call XXXX, spoke with several supervisors and they told me that they can not reinsert this information because TransUnion policy accepts only co-signers on Credit cards. They gave me letterhead letter stating that I never was removed from this account and to provide this to TransUnion. 
So I called TransUnion again, spoke to multiple supervisors and indeed I learned that due to their policy they can not receive documentation from XXXX and add back my credit information to my file because XXXX considered an authorized user and not a co-signer. XXXX does not provide such service to be a co-signer, only an authorized user. 

TransUnion own comments : This is a learning moment, never dispute an account that your an authorized user because once you do you NEVER will be able to have it reported again. 

I find it astonishing that TransUnion never told me their policy ( dispute a account that your an authorized user, it gets entirely deleted from credit file ) and that I can NEVER report this account again. 


SO long story Short : 1. Disputed a balance on a authorized user credit account to TransUnion 2. After investigation they removed the entire account ( Not explaining their rules ) 3. Called TransUnion and they said have your Creditor XXXX XXXX XXXX reinsert my account status through their own channels. 
4. Called XXXX, they cant reinsert my account status due to TransUnion policy -they don't accept authorized user, only co-signers XXXX which XXXX doent provide ) 5. They gave me letterhead docs to prove account status hasn't change on my creditor side.

6. Called TransUnion back, they told me they can not accept this because Im not a co-signer .... Sorry your cant fix this.
Consumer complaint received 2020-11-18
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AmeriCollect (WI)

Recently the debt collection agency Americollect reported a collect account in the amount of {$660.00} to major credit reporting agencies claiming I owed for a past due balance. Prior to doing so no letter of notification or debt collection practices as outlined by the FDCPA were followed. Upon learning of the collection account through a credit monitoring service I contacted Americollect in writing to dispute the debt, ask for validation of the debt and explain that I had not received a letter previously explaining the debt which would have allowed me to dispute the debt. In return I was sent an unsigned copy of an invoice, despite requesting proof of an original letter of intent to collect the debt and no verification of the debt of any sort. 

As such Americollect continues to report negatively impacting information to my credit profile. When contacting Americollect via the phone on XX/XX/20 I was informed that they do not have any documents establishing privity between their organization and the original medical facility and myself, also no signed agreements between myself and the original creditor. They referred me to the original creditor who states that since the account is in collections I must speak directly to Americollect. As of XX/XX/20 Americollect has not validated the debt as requested.
Consumer complaint received 2020-11-18
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Zenith Financial Network Inc (NV)

I was called by Zenith Financial Network and Associates about an old debt by the associate XXXX XXXX. I was threatened with being sued and the seizure of my property if I did not agree to pay right away on XX/XX/2020. I explained that I wanted validation of the debt as well as to view the contract saying I owed the money to them. I was presented with a letter that did not contain any of this information, or options to pay off the debt. I have emailed back asking for the validation again but have gotten no response. Also, They are not answering phones at the number given to me to call back. The person on the line was very rude and pressuring me to pay as soon as possible or threatened i would be sued if i did not make an arrangement that very moment yesterday. I explained to him that I was at work and did not have time allotted for personal calls but he would not get off the line and email me the information I had requested. He told me if i did not call back yesterday they would sue me.
Consumer complaint received 2020-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

i sent XXXX  and Transunion a letter XX/XX/2020 disputing the negative items reporting on my credit report that is hurting my score and causing my great grief by not acquiring anything. Its old accounts that still reporting more than 7 years, which is a violation and the rest are inaccurate and incomplete.I have left you a copy below with proof
Consumer complaint received 2019-10-29
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I currently bank with Bank of America and I recently learned that they do not have any ADA accommodations for clients who have a fraud alert on their account. 

I recently had a XXXX that cause me to be XXXX  on my left side. I am XXXX XXXX XXXXXXXX and reside in a rehabilitation facility. I have to rely on most interactions virtually, as I am XXXX XXXX. 
Bank of America placed a fraud alert on my account that can only be lifted if I visit a bank. 
That is difficult for me to do on so many levels. First, I would have to contact special transportation to get me to the bank and find a caregiver to stay with me. If I have to use the restroom during my time at the bank, I would have no other option but to go in my diaper, because I can't stand, which is humiliating. Then, I would have to contact transportation to pick me ( but they would need to know the time in advanced ). 

I am late on bills with no access to funds in my account do to this and BOA has done nothing to accommodate me considering my situation.
Consumer complaint received 2023-02-17
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I submitted a credit dispute and sent them certified mail that they received on XX/XX/2023. It is to my understanding that by law they have 30 days to get back to me with the results or delete all the accounts in question. They sent me a letter saying they wont process the request unless it came from me. It certainly did come from me and I even mailed it out from the post office right next to my house.
Consumer complaint received 2017-08-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have disputed the following trade lines with the reporting agency online and via certified mail asking for them to please conduct an investigation as the information being reported in my credit report is in inaccurate and does not belong to me and they still keep reporting it.This derogatory information is preventing me from obtaining a loan which I have pointed out an several occasions. I have also sent certified letters to the company themselves via certified mail and they will not even respond to my requested or provided a signed contract or anything that binds me to the amounts they say that I owe, I do n't understand how the reporting agency can claim that they have validated the debts and conducted an investigation listed below when I can even get the people who are reporting this derogatory invalidated information to respond. 1. XXXX XXXX ( I have no knowledge of this account. ) 2. State Of XXXX/ Collection Unit ( I have no knowledge of this account. ) 3. XXXX XXXX ( I have no knowledge of this account. ) 4. XXXX XXXX ( I have no knowledge of this account. ) I have asked over and over and over for you to please remove these items from my report as they are not mine, and my request are ignored or responded that they have been valdated. There is no way under the FDCR and FDCPA guidelines that you have conducted a proper investigation. I keep asking for the method you are using and even those requested are ignored.
Consumer complaint received 2020-11-18
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (NJ)

This is a follow up to my complaint reference number : XXXX filed on XXXX XX/XX/2020 The bank, JP Chase Morgan, has not given me a definitive answer whether the beneficiary bank received the funds. As of XXXX XX/XX/2020, Chase emailed me saying that " they received the confirmation from the intermediary bank, so we know for sure that the beneficiary Bank has received the funds. As soon as we confirm that the funds were applied we will let you know ''. 
I spoke with the Chase agent on XXXX XX/XX/2020 requesting her for a copy of the XXXX report but up to now, she has not sent it yet. Also, I have not heard from her whether the funds have been applied as indicated in their email. 
This complaint is now on its third month without any resolution because Chase is not doing its best to have the funds transferred to the recipient bank. 
The Chase agent has just given me a run around about the complaint.
Consumer complaint received 2023-01-30
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. (PA)

To whom this may concern, After reviewing the updates made to my credit report. Your company is reporting inconsistent last payment dates, incorrect credit limits, along with inconsistent last dates of activity. According to my credit report, This alleged charge off is over 9 years old your company should no longer report this debt to the credit bureaus. Please delete this alleged charge off from my credit report due to inconsistent reporting, statue of limitations has passed, and lastly due to reporting on debt over 7 years in the state of PA. 

Kind regards,
Consumer complaint received 2020-01-20
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Weltman, Weinberg & Reis Co., L.P.A. (MO)

Received a call at XXXX Central time XX/XX/2020 Received a call at XXXX Central time XX/XX/2020 On both calls a voice mail message was left. 

On both messages the full mini miranda was not stated. 
Weltman, Weinberg & Reis Co
Consumer complaint received 2020-02-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

Trying to get PMI off my Fifth Third Bank mortgage. I have called them about it 2 times in the last 3 years. and they just say no! I have to get original loan down to 78 %. But I explained to them that the housing market is way way UP! and i shouldn't need it anymore. I have 2 home mortgages with them and a excellent record .Especially since I have been a good customer for 30 years and never a late payment or bounced check.. It's clear they just like to make ME pay PMI and they get protected. what's up with that? I think I should be refunded for the last 3 years because, fairly I don't think the loan has needed it. Now I am {$6000.00} away from that officially .... but paying it for years unneeded. Today its XXXX estimate is {$160000.00} and i owe {$94000.00}! ... it seems to me they are so greedy. If something happened they could easily get the money they need and they should know it! if they were a ethical company they should of taken it off at least temporarily while my home value is high. they don't intend to, they sent me a letter showing me a document I signed and IM stuck! very " hold to contract '' feeling I get. and they claim to care about people? but pmi is unneeded? I think i've paid enough pmi payments for the last 20 years at least but never missed a payment on my 2 mortgages ..I don't know maybe it's an oversite? it seems to me they should of taken that stuff off a long time ago..and the Escrow account bounces all over the place but that's another issue. shouldn't i be trusted by now to pay that on my own taxes and insurance? OH well, I guess have to be still on probation? : ) Makes me never want to finance anything ever again..
Consumer complaint received 2019-10-29
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY (NV)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that WELLS FARGO XXXX XXXX has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2017-10-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (AR)

On XXXX/XXXX/17, I submitted a request to XXXX XXXX to validate debt via certified mail XXXX XXXX XXXX XXXX XXXX. I asked that the company provide the following : 1 ) Agreement with your client that grants you the authority to collect on this alleged debt. 2 ) Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 3 ) Any insurance claims been made by any creditor regarding this account. 4 ) Any Judgments obtained by any creditor regarding this account. 5 ) Name and address of alleged creditor. 6 ) Name on file of alleged debtor. 7 ) Alleged account number. 8 ) Address on file for alleged debtor. 9 ) Amount of alleged debt. 10 ) Date this alleged debt became payable. 11 ) Date of original charge off or delinquency. 12 ) Verification that this debt was assigned or sold to collector. 13 ) Complete accounting of alleged debt. 14 ) Commission for debt collector if collection efforts are successful. To date, Convergent has not provided me with the requested information. As a matter of fact, the only information that they sent after my request was a copy of a bill.