davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-10
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (MO)

I originally purchased the home in XXXX for {$18000.00}. In XXXX I did a modification loan to lower the interest rate. I was charged {$7000.00} to re-modify my loan. My loan was purchased by Chase from XXXX XXXX. I was mislead in signing the loan papers. It was not explained to me clearly that I would be paying 10 additional years on the loan. I feel it was a predatory loan. Im paying to much for the loan by Chase. Ive paid an extra {$200.00} a month to go towards my principal balance. Chase could not give me a clear understanding of what my unpaid balance is. Ive reached out to them several times and was told, we would like to accommodate you, we no longer have the ability to deliver this information.
Consumer complaint received 2021-11-05
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Allegiance Accounting Services, LLC (TN)

XXXX XXXX XXXX ( allitegiance ) No physical address Mailing address and the matter of cases they dont give out a physical address XXXX XXXX XXXX XXXX have XXXX Mediation office in regards to allegations is what they say they are. 

On today XX/XX/2021 I received a threatening phone call from Allegiance/ XXXX stating that they were a mediation office and they were calling in reference to a XXXX  debt I had. They mentioned garnishment, that I had defrauded XXXX, and appearing in court within the first phone call. I told them I was unemployed, the person on the other end stated that that would be taken as a refusal and hung up in my face. I returned the call and got a different person. Still stating that it is very possible Id end up in court and since I had made no payment my actions were fraudulent. I once again explained my hardship and she worked with me. I paid {$50.00} over the phone because that is all I could afford. The collection was taken by XXXX as listed on my statement. They called from the number XXXX. The office number provided was : XXXX but they refused to give me their physical address. They gave me a po box as a mailing address instead. Please assist me with knowing the legitimacy of this company and if the money paid thus far has been to a legitimate entity. 

I talked to XXXX and they told me my debt was sold to a different company on XXXX. 

Today is XXXX and theyve called again from unknown and other different phone numbers. They left a voicemail saying there are two complaints filed against me with XXXX county and if I do not pay theyre going to send it out. Im unemployed, Im tired of the threatening and repetitive phone calls. The company refuses to send me anything on paper. Im currently unemployed and Ive been receiving threatening phone calls from this entity threatening litigation. Please help.
Consumer complaint received 2022-04-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (CO)

XXXX has tried to collect this debt for over 2 years. I have disputed it each and every time. XXXX was unable to provide the necessary documentation to validate this debt. As a result they did not respond my original request for debt validation and I received an apology and a letter ( via cfpb ) stating that they did in not validate the request. That they would stop pursuing this. This is just more harassments from XXXX and Jefferson Capital in regards to this matter. I plan on also filing a complaint with the FCC. Attached you will find my original CFPB complaint with an apology from XXXX debt collection department.
Consumer complaint received 2021-02-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (RI)

1. ) Remitted payments to Bank of America every two weeks since the inception of the mortgage payment that equal an amount that is above and beyond the minimum amount due.

2. ) I have to call to request to the have the payment reapplied every month.

3. ) In XXXX, XXXX, XXXX and XXXX it took 20-23 days for the payment to reallocated. 
4. ) I remitted payments on XX/XX/21 {$900.00}, XX/XX/21 {$900.00} and requested they be reapplied to our minimum payment of {$1600.00} to satisfy the XXXX payment.. 
5. ) XXXX I received 4 phone calls in one day to let me know my account was past due.

6. ) After speaking to a competent supervisor, on XXXX I was advised that they made an error in requesting my payment be reapplied and only included 1 payment of {$900.00} 7. ) XXXX I received a call from XXXX ( supervisor for XXXX NC ) to let me know they are working on the matter. XXXXXXXX XXXX I receive another call from to advise that the account is past due ( XXXX XXXX. ) In total 6 phone calls in a two day period. 
There is sufficient funds to cover, interest, principal and escrow and yet I am being harassed. 
8. ) Bank of America collections agents believe that it legal to call someone up 4-6 times in one day. 
9. ) I have spent roughly 20 hours of my time trying to resolve this matter.
Consumer complaint received 2021-09-02
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: CAVALRY INVESTMENTS, LLC (MD)

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX Cavalry Portfolio Services Acct : XXXX Original Acct : XXXX I told you to stop contacting me and you continue to contact me which is a violation. I asked you to validated the debt 60 days ago and tou never did. You need to deleted this account.
Consumer complaint received 2019-05-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (NJ)

Debt Collector failed to supply documentation showing an agreement for the charges between myself and the fraud originator. There is no agreement to pay the charges and there never has been. Yet they still insist on trying to collect the charges and have now reported a fraudulent debt to my credit report.
Consumer complaint received 2019-05-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

1. {$300.00} direct deposition XX/XX/2019 from XXXX XXXX XXXX for my XX/XX/2019 cover story. 
2. Wrongful " monthly maintenance fee '' charged XX/XX/2019, despite direct deposit. 
3. Unhelpful, snooty, discourteous telephone banking clerk " XXXX '' failed to fix it.
Consumer complaint received 2024-03-27
Product: Mortgage — FHA mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I tried to get a lawful modification on my property at XXXX XXXX XXXX XXXX NJ. At first Bank of America advised there was no such thing. But they sent me paperwork and I filled it out. They never responded. This is a violation of federal law. They had five times to respond. They violated my Constitutional rights under the XXXX and the XXXX amendments. Also under the RECO Act. I am a XXXX XXXX XXXX XXXX. Hope XXXX gets involved
Consumer complaint received 2022-08-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (GA)

This account is not mine, I don't authorize anyone to use my account, Please remove this inaccurate account. 

1. XXXX XXXX Account Number : XXXX Bal : {$4500.00} 2. XXXX XXXX XXXX Account Number : XXXX Bal : {$0.00} 3. XXXX XXXX XXXX Account Number : XXXX Bal : {$80.00} 4. XXXX XXXX XXXX XXXXXXXX XXXX. 
Account Number : XXXX Bal : {$690.00} 5. XXXX XXXX XXXX Account Number : XXXX Bal : {$490.00} 6. XXXX XXXX Account Number : XXXX Bal : {$1000.00} 7. XXXX XXXX Account Number : XXXX Bal : {$480.00} 8. XXXX XXXX Account Number : XXXX Bal : {$1100.00}
Consumer complaint received 2021-02-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Comerica (NY)

I checked my account before I paid my XXXX  bill and noticed 17 unauthorized transactions amounting to {$320.00} I called Direct Express on XX/XX/2020 when I noticed the charges and I was told there was nothing they can do until the charges cleared my account. I called back on XX/XX/2020 and started the dispute and cancelled my card. I was either hacked or one of the websites I shop on or pay my bills on was hacked. I pay {$35.00} a month on XXXX XXXX for my cell phone. I pay between XXXX and XXXX dollars a month to XXXX  for my TV and internet service. I pay {$12.00} a month to XXXX. I pay {$5.00} to XXXX and I pay {$14.00} to XXXX for my XXXX  membership. I shop on the following websites, XXXX, XXXX, XXXX, I bought a VPN from XXXX, I bought a subscription on XXXX which was my last card purchase. I tried to purchase a guitar from XXXX but the order was cancelled due to my card being cancelled and no funds in my account because they were stolen. I also filed a police report on XX/XX/2020 with the XXXX Police Dept. The report number is XXXX I also started a dispute with XXXX on XX/XX/2020 for the 13 charges of {$25.00} for XXXX XXXX XXXX XXXX XXXX Ca in the total amount of {$320.00} The XXXX Dispute Claim Number is XXXX. XXXX says it takes up to 12 days to investigate. 
I did receive the four XXXX dollar charges back to my account. The following 4 charges were returned to my account XX/XX/2020 XXXX XXXX XXXX XXXX {$1.00} XX/XX/2020 XXXX XXXX XXXX {$1.00} XX/XX/2020 XXXX XXXX XXXX {$1.00} XX/XX/2020 XXXX XXXX  XXXX XXXX  {$1.00} I swear on the XXXX with my right hand and to XXXX and XXXX XXXX XXXX XXXX  XXXX XXXX that I Did Not Make these charges and I will do whatever it takes to get to the bottom of this or to solve this List of all unauthorized transactions below Transaction Date Merchant Name Amount XX/XX/2020 XXXX XXXX XXXX XXXX {$1.00} XX/XX/2020 XXXX XXXX XXXX {$1.00} XX/XX/2020 XXXX XXXX XXXX {$1.00} XX/XX/2020 XXXX XXXX XXXX XXXX {$25.00} XXXX Ca XX/XX/2020 XXXX XXXX XXXX XXXX {$25.00} XXXX  Ca XX/XX/2020 XXXX XXXX XXXX XXXX {$25.00} XXXX  Ca XX/XX/2020 XXXX XXXX XXXX XXXX {$25.00} XXXX  Ca XX/XX/2020 XXXX XXXX XXXX XXXX {$25.00} XXXX  Ca XX/XX/2020 XXXX XXXX XXXX XXXX {$25.00} XXXX Ca XX/XX/2020 XXXX XXXX XXXX XXXX {$25.00} XXXX  Ca XX/XX/2020 XXXX XXXX XXXX XXXX {$25.00} XXXX  Ca XX/XX/2020 XXXX XXXX XXXX XXXX {$25.00} XXXX  Ca XX/XX/2020 XXXX XXXX XXXX XXXX {$25.00} XXXX  Ca XX/XX/2020 XXXX XXXX XXXX XXXX {$25.00} XXXX Ca XX/XX/2020 XXXX XXXX XXXX XXXX {$25.00} XXXX  Ca XX/XX/2020 XXXX XXXX XXXX XXXX {$25.00} XXXX  Ca XX/XX/2020 XXXX XXXX  XXXX XXXX {$1.00}
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY (NV)

I was looking over my XXXX credit report and noticed that my XXXX XXXX Account XXXX XXXX XXXX digits when it should have only been XXXX digits. I called XXXX XXXX customer service, and they could find no record of me having the account that was reporting on my credit history. They tried looking me up by my SSN and still had no results.
Consumer complaint received 2019-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (AZ)

On XX/XX/2019 I entered into a residential real estate purchase contract to sell my home. The contract requires that the seller furnish a XXXX XXXX report to the buyer within 5 days of the signing of the contract. I contacted Lexis/Nexis who administers and furnishes the reports on XXXX XX/XX/2019 as instructed by my insurer. I filled out the online report request form, and indicated I would like to receive the report via email. The online information provided after I filled out the form to obtain the report stated that the report would be mailed and I would receive it in 15 days. I then called the customer service line to try and obtain a copy of the XXXX XXXX report in a timely manner so that the contract to purchase my house could be finalized. I was informed by a customer service agent that Lexis/Nexis no longer provides report via email for security reasons and that there was no way to send the report to me faster than 15 days. I was told that this policy, of only using regular mail, was put into place about a month ago. I explained several times that this was jeopardizing my ability to fulfill my obligations under the residential real estate purchase contract. I asked to speak to a supervisor and was told that one was not available but that I could put in a request to receive a call back within 48 hours. This was not an acceptable resolution. 

XXXX has personal consumer data and/or information that I require to complete a contract. I was not notified of the change in policy and could not request my report in advance in anticipation of the contract. My claims history contained in the XXXX report is unreasonably being withheld from me and is likely to cause extreme financial harm to me. 

I would like the company to provide my report immediately and for the policy to be changed so that real estate contracts nationwide are not jeopardized by this unreasonable and unconscionable policy.
Consumer complaint received 2015-05-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (TX)

I contacted XXXX XXXX, Equifax , XXXX, and XXXX in reference to XXXX XXXX XXXX XXXX report that I was 30 days late in the month of XXXX XXXX and XXXX XXXX. The car was paid off and sold in XXXX. The automated system states they have no information for an account with my social security number. I have called and spoke to the office of the president numerous times and they continued to give me the wrong information. I spoke to XXXX ID # XXXX who refused to give me his information. I requested he fax a letter showing the car was paid off in XXXX. XXXX ID # XXXX stated that they received payment in full via money Gram XXXX/XXXX/XXXX. At the time I was paying the car off the payoff information was wrong per office of the president. They are reporting conflicting information with Equifax , XXXX and XXXX.
Consumer complaint received 2022-09-10
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. (NY)

I have never applied for any student loans. I deny all financial responsibility under penalty of perjury for any student loans including XXXX. The student loan accounts on my credit Profile are a result of fraud. Ive requested that a fraud packet be sent to me and have never received one.
Consumer complaint received 2017-01-04
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: WELLS FARGO & COMPANY (TX)

I made a payment to Wells Fargo on XX/XX/2016, and then charged a late fee of {$28.00} for not paying the remaining balance of {$1.00} ( USD ) for the billing cycle of XX/XX/2016. You can see the payment and late fee charge on PDF document, " account_history_XX/XX/2016. '' I would love to borrow from Wells Fargo again, but because of their practices, I am unsure if borrowing from Wells Fargo would be in the best interest to help with pursuing academic achievements, or even attempting to make payments back to Wells Fargo.
Consumer complaint received 2021-10-06
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: EQUIFAX, INC. (MO)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2021-02-09
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: AmeriHome Mortgage Company, LLC (NJ)

Due to covid-19 pandemics my wife and I are struggling with fiance. We both have been unemployed during 2020. For a duration of time. My wife is still collecting unemployment because the school she is employed by is struggling severely it self. I have gotten my salary slashed by 50 %. Leading to financial burdens. Amerihome mortgage company are remorseless. The constant abuse of phone calls during working hours. Paper trails of bill notification s. No response to emails. Not collecting partial payments. Mortgage company must have payments in full. No help to help save us from loosing our home. I just want to be rid of this mortgage company that brings me to XXXX and XXXX. Anger to no end of loosing my mental health. Is there a way of transferring my mortgage to a different lender?
Consumer complaint received 2017-12-08
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: National Credit Systems,Inc. (CO)

The Account Was paid, we did a 3-Way call with XXXX and XXXX Verified that the balance is {$0.00}. # 3 on the XXXX XXXX, Now it I showing up on the Credit Report again.
Consumer complaint received 2019-05-13
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: EQUIFAX, INC. (TX)

I filed a dispute in XX/XX/XXXX and again in XX/XX/XXXX with Equifax regarding 2 hard inquiries and a loan for XXXX XXXX. The dispute was filed due to it was fraudulent. I provided Equifax with a police report, dispute letter, FTC report and identification docs, however after filing several disputes no action has been taken to remove the loan. They did however remove the inquiries. I tried contacting the creditor ( XXXX XXXX ), but the number provided on my credit report is disconnected. I have also tried looking them up on the internet and was unsuccessful. Equifax refuse to remove the {$1500.00} loan that was opened on XX/XX/XXXX. I informed Equifax my personal information was involved in several Data Breaches including 1 with them. I have since placed a fraud alert on my credit file. I'm in the process of purchasing a new home and this dispute is causing a delay in the process.
Consumer complaint received 2019-05-13
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Maury Cobb, Attorney at Law, LLC (AL)

A debt collector named Maury Cobb located in XXXX alabama claiming to be a lawyer collecting around XXXX dollars. A robot message calls every day sometimes twice. It was a medical bill that Medicare has already payed XXXX XXXX XXXX and they have been told this and asked to stop. My name is XXXX XXXX XXXX.
Consumer complaint received 2019-05-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC (OH)

I disputed many times with different credit reporting agency but still they have not taken it off it is not mine, i was homeless for a long time and just getting a place and need my good credit back. because of this an other issues my credit is so low and hard to make way please take it off.
Consumer complaint received 2019-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: United Revenue Corporation (TX)

United Revenue Group Original Creditor : Medical Payment Data Account No. XXXX Amount : {$840.00} Account No. XXXX Amount : {$840.00} Account No. XXXX Amount : {$810.00} Account No. XXXX Amount : {$770.00} Account No. XXXX Amount : {$680.00} Address : XXXX XXXX  XXXX, # XXXX, XXXX, Texas XXXX Phone : ( XXXX ) XXXX ext. XXXX I have disputed these multiple entries for United Revenue Group several times with no response. I have repeatedly asked them to send me a copy of the signed, exclusive contract between United Revenue Group and myself for repayment. To this day, I still have not received a response. I've sent correspondence on XX/XX/2019, XX/XX/2019, XX/XX/2019 and XX/XX/2019.
Consumer complaint received 2024-03-26
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Capital Management Services, LP (VA)

Received a call from a person pretending to be from a legitimate collection agency - person was NOT affiliated with that agency and is trying to steal money. 
Received a call on XX/XX/2024 from " XXXX XXXX '', calling from XXXX. He informed me he was a representative from Capital Management Services and was trying to collect a credit card debt. The credit card debt does exist, and he knew the amount owed and my address. However, he does not represent the company that owns the debt. He stated that instead of a payment plan he could collect a " settlement '' that was {$3000.00} less than the total owed. When I told him I couldn't pay that amount, he then mentioned another number {$2000.00} lower. He told me to pay by e-check or debit card. I told him I needed the information in writing and he promised to email me. He said I should call him at XXXX to make the payment. I received a call on XX/XX/2024 from " XXXX XXXX '', calling from XXXX reminding me to make the payment.
Consumer complaint received 2024-03-26
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Westlake Services, LLC (FL)

I believe the account is invalid. WESTLAKE PM needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records.WESTLAKE PM XXXX
Consumer complaint received 2019-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Credit Systems International, Inc. (TX)

XXXX XXXX : XXXX XXXX Account XXXX. : XXXX XXXX : {$480.00} I have disputed this entry for XXXX XXXX XXXX for several months. I have repeatedly asked them to send me a copy of the signed, exclusive contract between XXXX XXXX XXXX and myself for repayment. To this day, I have not received a response. I've sent correspondence XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
Consumer complaint received 2019-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ERC (TX)

I have disputed this entry for Enhanced Recovery Company several times with no response. I have repeatedly asked them to send me a copy of the signed, exclusive contract between Enhanced Recovery Company and myself for repayment. To this day, I still have not received a response. I've sent correspondence XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.