davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-26
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AmeriCollect (WI)

I had a payment plan which was being upheld with XXXX XXXX who decided to turn this over to Americollect Inc-a collection agency. XXXX is notorious for doing so without notifying the customer or having a reason as they don't like debts to stay on their books. 

I called Americollect on XXXX and told them the story and asked for them to send back to XXXX and they refused..all business to them, but untrue and damaging to my credit. 

I am now paying Americollect as agreed. I was told that the account will go to the credit bureau even if I am paying and I asked how to avoid this unless I missed a payment. I was told they could not work with me on this. On XXXX, I contacted them again and asked for this to not go to the credit bureau and XXXX told me she was going to send a credit bureau form to request removal once this does go on ; at that point they would approve it and take it off. The form was supposed to be her within a week and I have not received it nor do it seem like I will. This agency is not trying to work in good faith at all.
Consumer complaint received 2020-12-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO. (TX)

My card was stolen used and then fraudulent payments were made to exceed the credit limit. Chase has denied the fraud by stating in attached letter - " We reviewed your account and determined its valid. Heres what we found during our review : We received payments on this account that were in your name and business name '' The above reflects Chase has the information how payments were made by me but can not give me the information regarding the fraudulent payments made in 2017 by the thief. Chase states in attached letters : " We are not able to send the information you requested. We understand that you had questions about payments that were made on the account in 2017. You requested additional information about the payments and the person making the payments. We are not able to provide that information based on our privacy policy. '' Chase is holding me liable but refuses to supply payment information by the thief on my card that Chase is holding me liable for. Unbelievable! This is totally void of common sense. Does Chase believe the thief will sue them for divulging how the thief sold? 
Then Chase continues in another letter stating " The claim should be handled as a civil matter directly between you and the known third party to recover the funds. '' SUMMARY - Chase knows how I made payments on my card that they hold me liable yet refuses to give me the fraudulent payment information MADE ON MY CARD reflecting the name of the thief and then informs me this is a civil case between myself and somebody else they refuse to divulge and tells me good luck???? This doesn't make any sense. Chase protects the thief and affords thieves more rights than their own customers. Chase has now acknowledged in their letters that someone else made payments that bounced and refuses to give me the information.
Consumer complaint received 2020-07-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (GA)

Chase replaced my credit card due to fraud. I am having refunds/credits coming back to my old credit card number and it is not being transferred over to my new account. Called multiple times and they told me that this should happen automatically and there is a glitch in the system. Refunds/credits sit for weeks in the old account ... It has been more than three weeks and no one is fixing the problem ... The other issue is the dept that handles these kinds of issues is not accepting any calls, only emails which they never respond to ...
Consumer complaint received 2020-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MARINER FINANCE, LLC (LA)

Hurricane Laura I lost everything requested property claim to be informed that I did not have credit property insurance which I requested. This is hitting my credit monthly. I am unemployed and have no income at this time. I was not I formed that I did not have credit property insurance.
Consumer complaint received 2020-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

To Experian Escalation Department : I ( not a credit repair company ) have contacted the following companies reporting to my credit file and according to them, there has been no communication noted from Experian regarding these items. Out of an abundance of caution and in accordance with the Fair Credit Reporting Act I request the following : 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] paragraph ( 6 ) ( B ) ( iii ) a notice that, if requested by the  consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; I ( not a credit repair company ) am CLEARLY requesting the Method of Verification used to contact these furnishers and the specific name and number ( please include extension if applicable ) of the person contacted ( An employee looking at their computer screen and matching a name listed in their database is NOT verification or validation of any alleged debt ) ( Previous request not honored ). And as the following items can not be verified, please delete them from the credit file ( hoping that this is clear ). Your lack of meaningful response seems to be an obstructionist tactic : ACCOUNTS XXXX XXXX XXXX  XXXX XXXX XXXX never late XXXX XXXX XXXX  XXXX never late XXXX/XXXX XXXX not mine XXXX/XXXX XXXX   XXXX not mine XXXX/XXXX XXXX not mine Additionally, Experian has systematically and maliciously changed items on my credit report to lower my score. 

XXXX. Administrative enforcement [ 15 U.S.C. 1681s ] ( a ) Enforcement by Federal Trade Commission. 
( 2 ) Penalties ( A ) Knowing Violations. Except as otherwise provided by subtitle B of the Consumer Financial Protection Act of 2010, in the event of a knowing violation, which constitutes a pattern or practice of violations of this title, the Federal Trade Commission may commence a civil action to recover a civil penalty in a district court of the United States against any person that violates this title. In such action, such person shall be liable for a civil penalty of not more than {$2500.00} per violation. 

Identification already on file, please notice your internal Report Number. Please send me a complete updated copy of my credit report. Additionally, DO NOT place a fraud alert or promotional block etc. on my file without my expressed permission.
Consumer complaint received 2020-10-26
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: KEYCORP (WV)

I had 2 fraudulent transfers from my XXXX card for XXXX XXXX. They took place on XX/XX/XXXX and XX/XX/XXXX for {$500.00} each. They were listed as " XXXX transfers.I filed a dispute on XX/XX/XXXX, and learned on XX/XX/XXXX that the person I talked to did not file the dispute.After a 4 1/2 HOUR HOLD a woman answered and said the call had rolled back to customer serviceinstead of the dispute dept. She went ahead and did the dispute for me.It has been about 2 weeks and I still do not have my money back. They told me about 5 to 7 days.My bills are on hold becauseof this. I can not get ANYONE. I have been calling since last Thursday. On hold Thursday from XXXX XXXX till XXXX XXXX! Friday from XXXX till XXXX XXXX. and again from XXXX till XXXX.Today I was on hold for 3 HOURS, 27 MINUTES. A woman answered, then said sorry, WRONG DEPARTMENT and I have now been back on hold for 42 minutes!
Consumer complaint received 2020-07-17
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 — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (NY)

XXXX Home Depot reported me 30 days late. I disputed it several times with Home Depot and the credit agencies. I provided documentation that showed my bill is auto payed from my bank account and since they included a large interest payment one month, the payment was slightly short. I kept paying my bill month after month ( never " missed '' a payment ) they kept carrying over this small amount of interest, not known to me, and eventually considered the entire account late. 

XXXX Disputed it several times with this criminal credit reporting agencies who hold you XXXX with a number. You can't talk to anyone and have to mail letters ( what is this XXXX )? They return the dispute results that show Home Depot as reporting me late, Home Depot doesn't present any evidence, only that they have a piece of paper that says they said I was late! 

XXXX I dispute with XXXX once again. They respond in a few days and they obviously did not do any additional digging. They send me back this attached report that says nothing at all except that Home Depot says I was 30 days late in XX/XX/XXXX. XXXX is so bad and does such a disservice to the public that I'm going to also attach a screenshot of what they show on my report right now! They show 60 days late, and blank payments for XXXX and XX/XX/XXXX. They literally just sent a dispute report back to me that says it was only 30 days late and they can't even update their own website and info? you are supposed to trust these people with your credit file? It's disgusting..They don't get anything correct and I'm sick of dealing with them. People have enough to worry about in this difficult time than to deal with this non sense.
Consumer complaint received 2020-07-17
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX XXXX reported me 30 days late. I disputed it several times with XXXX XXXX and the credit agencies. I provided documentation that showed my bill is auto payed from my bank account and since they included a large interest payment one month, the payment was slightly short. I kept paying my bill month after month ( never " missed '' a payment ) they kept carrying over this small amount of interest, not known to me, and eventually considered the entire account late. 

XXXX Disputed it several times with this criminal credit reporting agencies who hold you XXXX with a number. You can't talk to anyone and have to mail letters ( what is this XXXX )? They return the dispute results that show XXXX XXXX as reporting me late, XXXX XXXX doesn't present any evidence, only that they have a piece of paper that says they said I was late! 

XXXX I dispute with XXXX once again. They respond in a few days and they obviously did not do any additional digging. They send me back this attached report that says nothing at all except that XXXX XXXX says I was 30 days late in XX/XX/XXXX. XXXX  is so bad and does such a disservice to the public that I'm going to also attach a screenshot of what they show on my report right now! They show 60 days late, and blank payments for XXXX and XX/XX/XXXX. They literally just sent a dispute report back to me that says it was only 30 days late and they can't even update their own website and info? you are supposed to trust these people with your credit file? It's disgusting..They don't get anything correct and I'm sick of dealing with them. People have enough to worry about in this difficult time than to deal with this non sense.
Consumer complaint received 2020-04-23
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

In an effort to rectify this credit issue I have notified Portfolio Recovery LLC and ask them to provide valid proof of the collections accounts on my credit report. The proof they supplied does not meet the legal requirement of the FCRA. In addition to that, they provided letters, 4 separate letters attempting to not only validate the debt that they have no legal standing to collect but they provided these letters with different 4 different reference numbers to collect the debt twice on the two accounts in question. I have provided the letters, four of them showing the duplicity in which they operate and the lack of integrity they possess. They are demanding that I pay this debt twice. I have provided a copy of the 4 letters I received. Please note the 4 different reference numbers they are circled and located at the top right-hand corner of the document Please rectify it immediately. 

Regards XXXX XXXX XXXX
Consumer complaint received 2018-06-14
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Union Home Mortgage Corp (FL)

Union Home Mortgage offered 3 months with no payment last year after the hurricane. We didn't pay for two months and then restarted payments. In XX/XX/XXXX & XX/XX/XXXX we paid an extra {$160.00} for a total of {$320.00}. In XX/XX/XXXX we received an annual escrow account statement that showed we were due a refund of {$1900.00} for overpayment of escrow but " due to delinquent status ... we will retain your surplus. '' We called Union Home Mortgage numerous times to ask that the surplus they we holding please be applied to to what we owed. We talked to first one person and then another with no answers. One person even suggested this money was put back in our escrow to which I asked why, as it was not needed there. No one can give me any answers, however, they are going to start foreclosure XX/XX/XXXX. This company has offices all over the place and 5 addresses that show up on our statements. It is impossible to ever speak to the proper person. They transfer from one to another and NEVER TO THE RIGHT PERSON.
Consumer complaint received 2020-07-17
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (MN)

The company, XXXX XXXX XXXX, sold a defective couch to me. While speaking with the manager he agree to take the couch back, replace it with a new one, then close the account With remaining in good standing on my credit report. However, due to covid19 the manager wasnt able to pick up the couch right away. I received a notice that  my credit score had dropped 40 points and when I called XXXX XXXX XXXX, they informed that it was a mistake. Due to lack of communication in the store, one of them associates made the decision to mark the payment as late until the store was able to pick the couch up. The fact that a damaged couch was sold to me and they didnt pick it up right away is not my fault. The manager apologized for all the trouble and said he doesnt know how to go back and fix the negative mark on my account but he did pick the couch up. Id be happy to get the store manager on a conference call so that this information is proven to be accurate.
Consumer complaint received 2020-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MI)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible as it is hindering me. I'm trying to advance in my life by getting a house and car to provide for me and my son.
Consumer complaint received 2016-06-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (WA)

My loan was recently transferred to Navient. I have received multiple emails, calls and letters about renewing my income-based repayment plan in recent months. Each time I call, I am given different, contradictory information and told I have to call back at a later date. Half of the time, the call is dropped, and I have to call back and start the process over again. Eventually, after at least six calls over two months, I was told I had to make an extra payment to exit income-based repayment. At fist, I was told that one-time payment would be credited toward my next month 's payment. But after I agreed to the one-time payment, I was told my next payment would still be deducted. Given this frustrating experience, I have no faith that anything I am being told is correct.
Consumer complaint received 2020-07-17
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

XXXX XXXX XXXX reported me 30 days late. I disputed it several times with XXXX XXXX and the credit agencies. I provided documentation that showed my bill is auto payed from my bank account and since they included a large interest payment one month, the payment was slightly short. I kept paying my bill month after month ( never " missed '' a payment ) they kept carrying over this small amount of interest, not known to me, and eventually considered the entire account late. 

XXXX Disputed it several times with this criminal credit reporting agencies who hold you XXXX with a number. You can't talk to anyone and have to mail letters ( what is this XXXX )? They return the dispute results that show XXXX XXXX as reporting me late, XXXX XXXX doesn't present any evidence, only that they have a piece of paper that says they said I was late! 

XXXX I dispute with Equifax once again. They respond in a few days and they obviously did not do any additional digging. They send me back this attached report that says nothing at all except that XXXX XXXX says I was 30 days late in XX/XX/XXXX. Equifax is so bad and does such a disservice to the public that I'm going to also attach a screenshot of what they show on my report right now! They show 60 days late, and blank payments for XXXX and XX/XX/XXXX. They literally just sent a dispute report back to me that says it was only 30 days late and they can't even update their own website and info? you are supposed to trust these people with your credit file? It's disgusting..They don't get anything correct and I'm sick of dealing with them. People have enough to worry about in this difficult time than to deal with this non sense.
Consumer complaint received 2020-07-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (PA)

There was a debt of {$180.00} that showed up on my credit report. I contacted the debt collection agency ( Credit Collections Services ) on XX/XX/2020 to settle and paid this debt for {$92.00} on XX/XX/2020. This collection agency updated my credit report stating that I still {$92.00} active. I call several time asking when were going to report to the credit that this debt has been settled and paid because on XX/XX/2020 I reported to the credit bureau still owed and is still showing still owed although they said that they reported settled, paid and closed.
Consumer complaint received 2020-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (MI)

My credit file shows late payments on my Discover Bank credit card. I contacted the company and they advised that they have not reported any late payments and that I would have to contact the credit bureaus. I contacted the credit bureaus and they advised that I would have to contact discover. Discover is still unable to assist me on a mistake that they made. I was not late on my credit card payment.
Consumer complaint received 2020-07-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAVALRY INVESTMENTS, LLC (CA)

It starts with a trip to XXXX in XX/XX/2019, I used my card to charge for an entrance fee of {$24.00}, After that, I had been waiting for the bill which never came. The credit card sent me bill on line, and I could not open it. Then they called but I asked them to send me statement on paper. By the time they sent me the bill, it had late fee and interest on it. I called and got the agreement to pay the principal, and they would erase the fee. The payment of {$24.00} was from my checking, on XX/XX/2019, confirmation XXXX. After this, they kept calling me again for the late charge and interest, until now the amount became {$320.00}, and it has been sold to Calvary SPV I, LLC, which consists of {$24.00} of principal, {$26.00} in interest, and {$270.00} in fees. Today I receive call and mails from Cavalry SPV I , LLC asking me to pay for this debt. 
Please help me to clear this issue, and let me know the process that I have to follow to fight for this unfair business practice.
Consumer complaint received 2020-07-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (TN)

I purchased an auto back in XXXX at a contracted monthly payment amount of {$570.00}. Loan number XXXX. I go online to look at account and I am seeing my monthly payment amount is now {$660.00}. I did not receive any documentation of contracted payment change from {$570.00}, the last time I see online statement of contractual amount of {$570.00} is back XX/XX/XXXX. I have asked for over 11 extensions due to various hardships overtime of which I do understand the final payment at the end of contract in XXXX would be significant to be paid. I am wanting to know being my contract monthly payment is {$570.00} since XXXX and I pay this original contracted agreed amount instead, would I incur additional fees being it would be less than {$660.00}, putting me in more of a hardship??
Consumer complaint received 2021-08-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: BAM Management US Holdings Inc. (CA)

I have been trying to reach BinanceUS ( cryptocurrency exchange ) for over 4 months because I have XXXX on my account there but it wont let me withdraw or take any action because my account is pending verification. I have attempted to reach out to their support email only to be told it is pending and may take longer than expected because there is high volume. Well, I created my account with them in XX/XX/2021 and have been told the same response back then. I just want my XXXX withdrawn and not to deal with this company any more.