davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-02
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CITIBANK, N.A. (TX)

XXXX XXXXXXXX XXXX XXXXXXXX XXXX first attempted to call my wife, using a blocked number. They then called me, also blocked number, regarding a debt that I have no recollection of for a large sum of money. The debt is supposedly from Citibank, a company I currently hold a card with, from 2016 ( outside of Texas statute of limitations, regardless of the fact its not mine ) Caller had multiple pieces of personal information, including my address, which he emphasized several times. He threatened to sue multiple times and declined to provide written proof of the debt, as they had already sent it. I have received nothing from this company. 

Call was terminated when called advised I was going to be served. 

I immediately called Citibank who advised they have no records of any debt owed to them or correspondence with this collection agency
Consumer complaint received 2015-05-12
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

To whom it may concern ; I am currently writing you for the horrible service I receive from a mortgage loan officer XXXX XXXX. I filled out an application in regards to a mortgage and just general information because I do n't know much about the different types of mortgages and based on the service I decided I am definitely not getting a mortgage with Bank of America ( who 's service I usually like ) but now also now thinking of withdrawing all my accounts/products from BOA. I 'm writing this because honestly I 'm about to purchase XXXX of the biggest things in my life and your company treats people like garbage, rudely pushing people off the phone and acting like any other big bank push wanting another customer and money in the end I just hope your company does n't treat anymore like this. Thank you for your time. 

XXXX
Consumer complaint received 2016-06-05
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Resurgent Capital Services L.P. (NJ)

XXXX and XXXX XXXX XXXX somehow has reach out to let me know Resurgent Capital Services now owes this XXXX account. Which is claim I owe someone. I am unaware of this account or the debt that I do n't owe.
Consumer complaint received 2015-10-19
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO. (NY)

Chase is illegally and incorrectly reporting cancelled debt ( for XXXX credit accounts XXXX Chase is continuing to report debt cancelled as open account with debt still due to Chase to credit reporting bureaus XXXX XXXX XXXX and telling me this is still legal debt they can report and collect. This is wrongly and adversely affecting my report and score with accounts that are closed reported as open and balances due that are no longer due as the debt was cancelled. 

I defaulted on XXXX Chase charge accounts XX/XX/XXXX, Chase closed the accounts few months after and XX/XX/XXXX issued me XXXX Cancellation of Debt for each of these accounts. And in addition to this even the amounts became income and I paid taxes on it. They can not say they cancelled debt and then still claim it is open account with debt still due and report as current account and balance to credit bureaus. They ca n't have it both ways when they cancel the debt, it is then no longer debt owed, and that puts me in double jeopardy paying twice on same debt. 

I have been trying to deal with the credit bureaus and Chase for about a year now and it 's getting me nowhere they are handling this illegally and need to be stopped, and my credit reports need to be updated to have this taken off it is no longer debt. I have been able to get it taken off the credit bureau reports with explanation as above and submission of the XXXX. But it keeps coming back to the reports as Chase keeps reporting it each month and I have had to go through this process multiple times and need to have it stopped at the source, Chase should not be reporting this. Right now XXXX accounts are still showing as open with balance due on XXXX, best I can tell right now it is not showing on XXXX XXXX and XXXX but I have no way of knowing for sure I can only order report once a year and it could come back at any time on any of the reports as it keeps being re-reported.
Consumer complaint received 2016-03-15
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (NY)

The bank. had a legal hold on the funds in my checking account. I am in court challenging the validity of the hold on funds that should be considered disabilty payment. On XXXX/XXXX/16 the bank made my funds available in the savings account so I transferred all the funds to my checking account and subsequently withdrew the cash from my checking account. I did believe that I had won my case and that was why the funds were released. There appears to have been a glitch in the system because the bank says they never meant for the funds to be available to me. I contend that this is a mistake on the bank 's part and they are responsible for the mistake. The bank reversed my transfer on XXXX/XXXX/16. There was no longer any funds in either account at that time except for my paycheck of approximately {$150.00}. Now my account is {$3200.00} in the red which is not correct. I do not have a credit line with Chase so this reversal is contrary to my account access for over the limit withdrawals of which there are none.
Consumer complaint received 2016-09-23
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Shermeta Law Group, PLLC (MI)

I made arrangements with Shermeta law firm in XXXX Michigan to pay XXXX $ a month. Every month I received a payment envelope and statement. Last month I did n't receive one. So no money was sent. They said they sent one. My account was garnished taking my car insurance and tax payment money. i think they did n't send me a statement on purpose. I wonder how many other people have had this problem. they said it was my fault and that I should have called them. I save every month so that I can pay my insurance bill in one payment. I would like that money returned. Thanks XXXX XXXX
Consumer complaint received 2017-02-18
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP (CA)

I would like to supplement my prior complaint against USBank with additional information. I believe that they have engaged in deceptive and misleading behaviour in regards to loan servicing of my construction loan. 

1. their communication that my loan would begin full amortization on XXXX/XXXX/17 would suggest that my full P & I payment would begin in XXXX 2017. However, they wanted PAYMENT of full P & I in XXXX 2017- which means that the amortization began in XXXX XXXX, 2017 -- and contrary to their representation. 
2. they have sent loan statements LATE and in a misleading fashion. I have attached their mailed notices -- please make note the postmark date as well as the amounts. With regard to the postmark dates -- they have violated servicing rules by sending notices for payment due on XXXX/XXXX/2017 on XXXX/XXXX/17. also, they have stated incorrect amounts. I just now received a loan statement for double the amount due.
Consumer complaint received 2015-12-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: North Shore Agency, LLC (PA)

I purchased hair care products from XXXX XXXX which totaled {$140.00}. The products were paid in full in three payments through my bank, XXXX. The payment sought now is {$54.00}. I have proof of all payment made. This company continues to hassass me. They have reported me to collection agencies. Documentation was sent via fax to the first collection agency, which was North Shore. Another agency sent a letter. The agency is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

I sent a letter last XX/XX/XXXX to remove the listed items in my file that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block these items not later than 4 business days. Ive already included this in my previous complaint # & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX  XXXX Balance : {$540.00} XXXX XXXX XXXX XXXXXXXX Balance : {$2400.00} XXXX XXXX XXXX XXXXXXXX Balance : {$240.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (CA)

Hi, It is about a gap of my house insurance coverage with loan from Chase Bank. 
My account # in Chase : XXXX. 

I was told by Chase in XX/XX/2021 that I need insurance for my house. Before that, I had never received any notice informing me that the insurance expiration from either Chase or the Insurance Agent XXXX. 

I immediately purchased the insurance which took effect on XX/XX/2021. Then I was told by Chase in XXXX that there is a gap between XX/XX/2021 -- XX/XX/2021 needing further insurance. 

I contacted my Insurance Agent XXXX to cover that peroid of time. But XXXX refused to cover that past days. 

My understanding is that insurance if for the coming days. But per the Chase 's notice, I will be charged {$93.00} by Chase for past days. It sounds like Chase has the power to define the past days as future and forces a weak custumer to pay for it. I contacted Chase via both online and phone call. The probles was solved. 

I felt being bullied and hope this can be solved fairly. 

Thank you.
Consumer complaint received 2016-09-21
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I was a victim of TransUnion 's " inquiry issue '' when they deleted all of my credit inquiries from my report and then - without proper notice and a disregard to legal procedure - simply re-added them all back on to my report without my knowledge. 

I called TransUnion and the overseas operator blew me off and told me there is nothing that they could do. 

I demand that the inquiries be removed as they had previously been. 

The inquiries are : Factual Data - XXXX Mortgage / Miscellaneous, Not Elsewhere Classified / XXXX/XXXX/XXXX XXXX / Mortgage / XXXX/XXXX/XXXX Factual Data - XXXX XXXX XXXX / Miscellaneous, Not Elsewhere Classified / XXXX/XXXX/XXXX XXXX XXXX / Mortgage / XXXX/XXXX/XXXX XXXX / Miscellaneous, Not Elsewhere Classified / XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX Banks XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX / Banks / XXXX/XXXX/XXXX
Consumer complaint received 2016-09-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I check my credit back in XXXX and I did n't have any hard inquiries on my credit report and then I logged in XXXX XXXX and now there back on there. I called About them and they would n't remove them and I told them I have n't received anything in writing saying they was putting them back on there. Please help
Consumer complaint received 2016-02-17
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Bank of American had repossession my vehicle for been 2 months behind the did not sent me a letter stated they was going to repossession my vehicle. The only letter I received was I was behind XXXX dollar behind and i needed to get it caught up. After I contact them to ask what I need to do to get my vehicle back they stated you how to pay your vehicle off XXXX because I was late on my account my last three payment. They ask me why was I late I stated my husband had a XXXX XX/XX/XXXX and I been the only one with income. The first lady I talk to she stated that they will ask for what you owe and fees for repossession. I stated okay and she gave me number to the repossession and they stated I have to pay the car off before I can get it back because I was late and I am 2 months behind. I want to know are they suppose to send me a letter to let me know that my car in the process of been repose before they pick it up. They only letter I received was I need to get my account current and the amount.
Consumer complaint received 2023-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NV)

In accordance with the fair credit reporting act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX. 
ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX 15 USC 1681 section 602A States that I have a right to privacy.

15 USC 1681 section 604A section 2 : IT also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c ( a ) ( 5 ) states no consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
Consumer complaint received 2017-01-05
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My loan modification application is complete as of XX/XX/2016. Bank of America has not provided written acknowledgment of the receipt and completeness of my loan modification application within XXXX business days, as required under XXXX CFR XXXX ( b ) ( 2 ) ( i ) ( A ) - ( B ).
Consumer complaint received 2015-03-30
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (CA)

Misapplied funds. 
On Chase statement date:XX/XX/XXXX under Payment XXXX XXXX it reflects that the total amount due is XXXX, I called Chase for explanation, initially the representative stated that owe them XXXX and asked that i send extra payment to get caught up. 
Couple months ago, Chase with your help got my account straightened out and up to date. I need your help to look into this matter AGAIN. This is very aggravating when I am making all my payments on time. I have my bank statements reflecting all debits. I went back till XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX sent my XXXX payment last week. My bank and I have records of all my payments. I can provide bank statements if you so desire. Please explain how I owe XXXX
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-02-09
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: CCS Financial Services, Inc. (TX)

Company Information : CCS COLLECTIONS XXXX XXXX XXXX XXXX, MA XXXX ( XXXX ) XXXX CCS COLLECTIONS : have been calling and harassing me telling me that I owe them XXXX debts in the amount of {$97.00} and another amount of {$87.00} for XXXX separate accounts that I have no knowledge about. and it is really stressing me out at this point in my life & mentally affecting me at my job and making me depressed. i have not discussed or negotiated any type of contract with this company nor permission to use my signature whatsoever & I have never agreed to do any type of business with this company. 

Thanks!
Consumer complaint received 2017-11-18
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (NC)

On XXXX XXXX,2017 a payment of {$240.00} was made on my student loans. The payment was made to AES success but was never applied to my account. I called and was told the incorrect account number was listed and that prevented the payment from being posted to my account. However when reviewing the payment details the correct account number is included on the payment. The representative I spoke with located the payment and said I could send proof of payment and they could apply it to my account. I sent in the documentation request but the payment was never applied to the account. I called back in and spoke with a representative who said the payment was returned on XXXX XXXX. However, prior to calling in, I received an email stating they were processing the information and would update my account on XXXX XXXX. I requested to speak with a supervisor and was connected to a lead representative who stated the payment was returned on XXXX XXXX. I then asked for a supervisor and was connected to a supervisor named XXXX who informed me that she could not verify the payment was returned and she would investigate and call me back. She called later that evening stating she was still investigating and would call back the following day. I did not hear back from her so I called back and was told no supervisor was available and I could leave a message and someone would call me back within 48 hours. I received no call back and I called several days and was given the same response. On XXXX XXXX I called in again and was told they needed an ACH tracing number to locate the payment and apply it to my account. I spoke with XXXX again and was told I would receive a follow up call to confirm receipt of the tracing number. The bank called to provide the payment information and the following day I called back in and was told by XXXX a supervisor that they never received the information from the bank. However I received confirmation from the bank that the information was provided. As of XXXX XXXX the payment has not been returned and my credit has been negatively impacted.
Consumer complaint received 2016-05-05
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Pinnacle Credit Services, LLC (OH)

The debt was from 2007 and they continue to put it on mt credit report. I have disputed this many times and they will not remove it. This is in violation of the law. 7 years maximum. It has been there for XXXX years now
Consumer complaint received 2015-04-05
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ERC (TX)

Enhanced Recovery has put XXXX different collection accounts on my XXXX profile. All of the Debts show different amounts and have been re-aged which is illegal. I would like to have this removed from my credit file. According to the law reaging is illegal under Creditors, collection agencies, or credit bureaus, if they try and " Re-Age '' your account by updating the date of last activity on your credit report in the hopes of keeping negative information on your account longer. Consumer protection afforded by the FCRA FCRA Section 605 ( c ) {$1000.00}. 



Open Date N/A N/A XXXX, XXXX {$0.00} {$0.00} $ XXXX Utilization Ratio 0 % 0 % 0 % Last Credit Bureau XXXX XXXX XXXX XXXX XXXX XXXX N/A N/A N/AThanks,
Consumer complaint received 2016-10-13
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Stellar Recovery, Inc. (FL)

I keep getting phone calls from the phone number of ( XXXX ) XXXX. When I get the chance to pick up the phone, prior to them hanging up within the first 1 or 2 rings, THERE IS NEVER ANYONE THERE. I have checked this number out on-line, and get everything from unknown to debit collections. I have been warned by others that to call them back would establish proof that I had prior business with them, which would void my " Do Not Call '' listings with the FCC, or that they will benefit form this somehow, with such tactics. They have called at least Twice this week, I can not tell if it is a Robo Call or not since there is never anyone on the line, but over this year, it has proven to be aggravating.
Consumer complaint received 2015-03-23
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (VA)

I found out today ( XXXX/XXXX/2015 XXXX that Citibank increased its monthly service fee for my checking account in XXXX 2015, but I was not notified that a change in fee was imminent. Citibank 's competitor charges less and I would like to have had the chance to switch to another bank before the fee went into effect. Citibank has also made it next to impossible to avoid a fee on this account ; it requires in part a monthly bill payment using its " online bill pay '' system. However, none of the companies I work with, including cable companies such as XXXX or my utility provider are set up on its system. It simply does n't recognize them as companies. Other companies do n't exist at all. Its obvious the product was oversold ; since those other companies have their own payment sites, Citibank 's bill pay system does n't make sense, especially because it does n't work. For example, to send a payment to XXXX, Citibank 's online bill pay needs up to a week to print and mail the company a paper check. The money is deducted today but does n't show up in XXXX 's system more than a week later, since they need time to process a paper check. Citibank promised in its sales pitch and its marketing that I could use the service to pay utility and cable bills. But this is not the case.
Consumer complaint received 2022-02-09
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

I have submitted multiple documentation to prove that I am a victim of identity fraud I later received a letter from Capital One Bank stating that they would not remove the account which the account is fraudulent and it was open in my name with all my documentation discovered the account 2 years later XXXX and XXXX has already removed the fraudulent account four months ago I have sent multiple letters to Capital One and XXXX I also consulted with the attorney general office the consumer protection Division and I have filed a ftc complaint against Capital One, the account was a fraudulent charge of account for {$440.00} the account was opened in XXXX XXXX I have sent a letter to Capital One president and CEO and Capital One will have 30 days that they received the letter or a federal lawsuit will be filed in their city state with my lawyer 's office