davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-16
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. (TN)

Equifax, XXXX and XXXX are reporting a debt owed to the collection agency XXXXXXXX for {$6100.00}. However, this debt is invalid and actually isn't owed. This was a debt concerning an apartment complex ( XXXX XXXX, the original creditor ). They filed a suit against me for eviction from the property and monetary damages. However, during my tenancy I experienced several issues where the landlord broke many terms of their own lease ( such as unlawful lockouts, and walking into my home unannounced ). I then hired a lawyer as well to counter sue XXXX XXXX in court. Because of the amount of evidence and a likelihood of successfully counter suing, XXXX XXXX and their attorney decided to settle outside of court before the set court date. The terms were for me to return possession of the property in return for them dropping their pursuit of an eviction and any monetary damages they were originally taking me to court for. I returned possession as promise in XX/XX/2014, however XXXX XXXX is still claiming I owe a balance that was then sent to XXXX collection agency. I have correspondence from XXXX XXXX attorney as well as mine proving they entered a non-suit and voluntary dismissal of their suit for money/possession. They did do so with prejudice, meaning they could decide to later bring a lawsuit against me back up but the issue is that they have not done so. After reaching out to the XXXX county courts they have also informed me that I still have a {$0.00} balance in their system, meaning XXXX XXXX never legally sought damages from me after we settled. Therefore legally we are still on terms of the voluntary dismissal and non-suit if damages. Therefore this debt needs to stop reporting on my credit immediately! It is affecting my living situation. Even the amount they are reporting that I owe is incorrect anyways. However, they filed a non-suit but turned around and still charged me for the same monetary damages they claimed we were settling to drop. This invalid debt that I dont owe should be removed immediately and cease reporting!
Consumer complaint received 2019-08-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO. (WA)

Mazada financial services sent out an email stating effective XX/XX/XXXX additional payments would be applied to principle reduction rather than future payments. There is no benefit to the consumer who who may need to transition to a new job, lose their job or become ill and be forced to live on a reduced income temporarily and may need to use the paid ahead state until they are back to work or back on their feet. I spoke with supervisor XXXX at Chase who handles Mazada financial services and while he said that feedback would be forwarded no ability to respond or guarantee any chances. I was transferred by the first representative to her supervisor. The number called was XXXX. There is also no option to opt out of this new policy.
Consumer complaint received 2017-12-21
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

This company had not provided their right to lawfully collect in the state of Texas. They are required to get a surety bond. No one had provided this which is required under the Texas Finance code. I will continue to file a complaint until this is removed from my credit or this company proves they are legally authorized to collect in this state. 

Texas Finance Code 392.202 and 392.101 This company is headquartered in the state of Virginia. I am a Texas resident. This company is fraudulent and illegally collecting in the state of Texas.
Consumer complaint received 2024-03-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc. (LA)

On XX/XX/XXXX2024 my previous mortgage company XXXX sold my mortgage to Mr. Cooper. It seemed like another legitimate company because of allowing a buffer to make the transition for payments. 
My original payment was XXXX. Which I've paid on time with this being my XXXX  mortgage in the last XXXX  years. My XXXX  payment was on XX/XX/XXXX, which was the applied buffer from XX/XX/XXXX24 schedule for an online payment. 
Because the XXXX  payment was due on XX/XX/XXXXXXXX2024, and I always make sure i give my bank a cushion on timing I made my next payment was made on XXXX/XXXX/24 for the XX/XX/XXXX/24 schedule for {$2000.00}. What I didn't know and wasn't informed about was they decided the new note was {$2200.00}. This was done because of escrow change. So when i saw my payment was being processed on XXXX/24 i tried to find out why and communicate with them. XXXX  communication. They took my {$2000.00} payment and applied to my principle without authorization. And I still had to pay the {$2200.00} on XX/XX/XXXX24. I tired calling, emailing, creating tickets. pleading for someone to call me. No response. I had to get flood insurance last year because of FEMA misjudging my flood zone classification. Since then FEMA has changed my flood map and i have the XXXX documents to prove it. on XX/XX/XXXX24 i uploaded the documents and requested the flood insurance be taken off my escrow. Nothing in response. I've left a review on the XXXX  website. And the reviews on this company will describe what this company is all about. They need to be charged for their business practices.
Consumer complaint received 2021-02-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (GA)

I am a federally protected consumer. I, XXXX XXXX was placed into a consumer credit transaction with Navient on XX/XX/XXXX. Pursuant to USC 6802 Navient never disclosed to me I had the option to opt out of this transaction being reported. The Fair Debt Collections Practice Act is intended to secure my right to privacy and my privacy has been breached by Navient. I mailed an Affidavit of Truth on XX/XX/XXXX with attached Exhibits A-Y showing proof Navient is in violation of 15 USC 1692f ( 8 ), 15USC1692e ( 9 ), 15USC 1692e ( 1 ), 15 USC 1692b ( 5 ), 15 USC 1692e ( 2 ) A, 15 USC 1692d ( 2 ), 15 USC 1692e, and 15 USC 1692h.
Consumer complaint received 2019-08-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Bank of America doesn't want to release my funds. My business received a wire for XXXX from one of the business clients. They client notarized a letter saying the funds were legit, they even went as far as obtaining a notarized letter from a representative at the bank the wire was generated from saying the funds are legit. BoA refuses to release funds and threatens to give funds to the state.
Consumer complaint received 2021-01-25
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Radius Global Solutions LLC (PA)

Global Radius Solutions is continuing to try to collect on a debt that was never connected to my wife or me. This claim, I believe was dealt with years ago when we provided evidence that my wife was not living in the US when the loan was made or the first few payments were made. Apparently, there were a few payments made from a bank in a state neither of us ever lived in. We chalked the error up to a common name and thought that was the end of it. Now the harassment has started again. I don't think I have received a written letter from Global Radius Solutions.
Consumer complaint received 2019-08-16
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (CA)

Navient has steered me into forbearance multiple times. I recently found out that my account was past due but apparently Ive run out of forbearances, although i do not recall being told that there was a limit to them. They told me this on XX/XX/XXXX and then reported negative remarks on my credit report XX/XX/XXXX because I was unable to bring my account current by then. This has made my credit score drop over 100 points. I have tried to explain to them how unfair and  wrong this is, especially since a supervisor admittedly told me today that they are not supposed to offer and or process back to back forbearances. But because they consider it an accurate reporting they are unwilling to help me. I am a parent with low income and I can not afford to accept this.
Consumer complaint received 2024-03-17
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I just found out about this settlement offer. But my account was with BOA in the late XXXX and early XXXX. The bank would process my bank drafts in the order of largest to smallest transaction no matter what the dates on the check or debits the account came in. Some times totaling more than XXXX XXXX in overdraft fees. This happened many times over the years and complained multiple times the transaction orders were not correct and would hold my check hostage and take the fees out before I could process any other transactions
Consumer complaint received 2023-01-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc (VA)

I ordered an oven from XXXX online. It was the wrong size so I cancelled it on the same day. 
They use a 3rd party finance company called XXXX which I had used many times previously. 
XXXX will not remove the debt despite my having cancellation confirmation from XXXX and despite XXXX reaching out to them. 
XXXX has been texting, emailing and writing to me trying to collect a debt for an item never shipped or received from XXXX. 
They say I owe them {$1300.00}. 
I have submitted to them copies of emails from XXXX and still they will not leave me along. This began last summer. 
I feel this need to be addressed and to be something that future consumers need to know as to how XXXX and XXXX handle this type of issue.
Consumer complaint received 2022-04-26
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ALLY FINANCIAL INC. (FL)

This was not sent in error. I am a consumer by law and my information was misused and now I have false not 100 % accurate accounts on my credit report. There has been unauthorized used of my information and credit report. 

ALLY FINCL Bal. {$20000.00} Acct # : XXXX
Consumer complaint received 2021-12-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (VA)

I have had a horrible experience becoming a Chase XXXX XXXX " Infinite '' holder. For nearly {$600.00} a year annual fee, the service thus far has been indifferent at best. 

I got the card XX/XX/XXXX for the purposes of making a {$15000.00} upcoming moving purchase plus booking a flight on XX/XX/XXXX. I was notified after suffering a hard hit that Chase does not offer virtual card numbers at all - something that is unacceptable to me and NOT common in the credit card industry. There are no security threats with this practice because my XXXX card is connected to my XXXX XXXX plus which has my TSA Pre check! 

After spending an hour with phone agents, I still do not have my card information and the price of the flight has gone from {$230.00} one way pp to {$510.00} on way pp. The whole reason I got the card was to save money, not lose money, on flights.
Consumer complaint received 2022-04-27
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Cascade Capital, LLC (VA)

XX/XX/XXXX at approximately XXXX an agent from Cascade Receivables contacted me by telephone, verified my name, told me I owed money to XXXX XXXX for approximately {$300.00} from XXXX. I proceeded to explain to her that I have two insurances and should owe nothing. I informed her that I could provide her with the insurance information and she declined stating the bill was from 4 years ago and they would not rebill. I also advised her that another debt collection agency contacted me about the same debt and I dont understand how two collection agencies can bill for the same thing. The agent then proceeds to tell me because thats the way things work and that it can bounce around. She also then states that the debt is only X amount and she has seen bills way higher and I need to just pay my debt. I told her I didnt care how much it was that I am not paying something I do not owe. The agent then tells me, I can tell you dont care because you dont pay your bills. Your son was in the hospital and you owe the bill. The call was then disconnected. 

I called back to their office to complain and the agent that answered this time, after letting him know that I planned on filing a complaint, said, good and hung up. 

I called back to their office again and advised this agent to mark my account as a do not call or I will file legal suit.
Consumer complaint received 2022-04-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: AMERICA FIRST FEDERAL CREDIT UNION (NJ)

America First Credit Union notifies consumers to resolve checking accounts that have been overdrawn for an extensive period of time. This timeframe consists of 5 days. The financial institution 's communications continuously arrives in the complainant 's spam folder. The consumer requested that this be fixed for their provided timeframe to not be affected. This was not fixed upon lack of response. Also, the financial institutions requests payment arrangements to prevent account closures. The consumer had provided a payment arrangement to the financial institution. Regardless, the account was still closed. The consumer/complainant is filing a respectful complaint against America First Credit Union because the consumer communicated per request alongside provided a first payment arrangement. This account closure makes it appear as the financial institution does not stick to its word when attempting to negotiate matters with consumers. Also, the financial institution currently has a money order to be deposited into the account, [ re payment arrangement ]. However, this is affected because the account was closed. The consumer had voluntarily dropped its first complaint out of kindness. 

Initial Complaint : The financial institution 's ATM would wrongly display a balance that exceeds the actual balance on the account. This would be checking the balance when logging in the ATM. Upon withdrawal, this would result to a negative balance. The provided receipt would still present a positive balance after the withdrawal. The consumer would not be aware for an estimated month. Eventually, it was refilled after complaining to the XXXX XXXX XXXX then graciously working with the financial institution. 

A second complaint is being filed because the consumer was performing his part after the financial institution 's most recent communication concerning the negative balance. Also, the consumer feels that money was wasted if the financial institution would receive a deposit, [ re first payment arrangement ] to find that the account was closed. Additional concerns include the financial institution 's access card not working when initially attempting to make a deposit.
Consumer complaint received 2022-11-17
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. (FL)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CARD XX/XX/2020
Consumer complaint received 2022-09-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I CALLED ALL THREE CREDIT BUREAU 'S I'VE CONFIRMED WITH THEM THAT THE ACCOUNTS HAVE BEEN PAID AND CLOSED.. THEY CONFIRMED THAT AS WELL.. THEY TOLD ME TO CALL THE CREDITOR ABOUT IT..THEY TOLD ME THEY'D UPDATE THE ACCOUNT AND REPORT TO THE CREDIT BUREAU 'S THAT EVERYTHING IS PAID ON TIME AND NO MISSED PAYMENTS.
Consumer complaint received 2019-08-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: AMERICAN EXPRESS COMPANY (OH)

On XX/XX/XXXX, I paid XXXX on my American Express Credit Card and hoped that this would help my credit score. So far this credit is not showing up in my credit score.

Please show this credit. 

Thank you, XXXX XXXX
Consumer complaint received 2019-08-16
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Account went into overdraft on XXXX by less than {$5.00}. A fee of {$35.00} was charged at this time. I am usually alerted by emails set up by the company of low balances and possible NSF so I can transfer money before end of day processing. I was not alerted until the day after fees were charged. The representative today stated fees get charged and there was not a change to be done, a log was taken about emails not being received on time, advised her if they would have, the account would have had funds transferred immediately. I was alerted today of the account status and immediately transferred funds to bring the account into a positive status. Rep also gave useless solution advising she can remove the protection and have the account set up to auto decline so the insufficient funds isnt charged on the account. She began the recording of the disclosure and mention that fee would not be charged but instead other named fees would for the same amount and that I would get additional fees from the merchant. Why would this even be a suggestion, you say you arent gon na charge this fee but instead BOA is going charge me different named fee, and add to it any fees from the merchant.
Consumer complaint received 2017-12-21
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. (VA)

On XXXX/XXXX/17 I mailed a certified letter ( USPS #  XXXX ) to Equifax requesting that they investigate inaccuracies on my credit report. My credit report is strewn with both incorrect and incomplete information that I detailed in my note. 

They had the gall to re-send me the same credit report that I was disputing with them dated XXXX/XXXX/2017. Not only did I identify blatant errors in my credit report for them to resolve, but they never conducted an investigation into the issues that were outlined in my letter. 

They failed me as a United States citizen and as a military veteran by not conducting a fair and reasonable investigation into my dispute.
Consumer complaint received 2017-12-21
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (GA)

On XXXX XXXX, XXXX I was told I that all my information was being viewed for modification and any foreclosure procedures were on hold. I had an auction date for XXXX XXXX. I received a letter on XXXX XXXX that my modification couldnt be approved because my house had a sell date with in 7 days.
Consumer complaint received 2023-02-02
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: JPMORGAN CHASE & CO. (TX)

Hello, I am writing in regards to JP Chase Morgan bank pulling my credit without my knowledge. I was inquiring about a credit line increase and was told via email ( see attached documents ) I would not receive a credit check if I provided certain information and the increase in credit did not go over a certain amount. I provided the information and the credit increase amount did not go over. However, JP Chase pulled my credit which I had no knowledge about, if I knew I was going to get a credit pull I would have not went through with the request however, JP Chase told me they would not and still did without my knowledge and permission.
Consumer complaint received 2023-02-01
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. (IN)

I was under the XXXX forbearance plan and XXXXXXXX XXXX reported my account XXXX as delinquent in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to the credit bureaus. This account was paid in full in XX/XX/XXXX. Also they have me confused with someone else from the letter that is dated XX/XX/XXXX that XXXX XXXX sent to me. ( See Attached ).
Consumer complaint received 2017-12-19
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: BorrowersFirst, Inc. (GA)

On XXXX XXXX I checked my XXXX XXXX account and was made aware that my Borrowers first account was closed and transferred to a new company. I have no clue who this new company is. I tried to login to borrowers first and it said I needed to call the customer service number and there is only a busy dial tone. I still have the {$290.00} auto payment being auto drafted from my account and no clue where my money is going and what 's the current balance of my loan.