davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-10
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO. (AZ)

I purchased a home at XXXX XXXX XXXX, XXXX, NY XXXX in XXXX, taking out a mortgage with Chase. I have since refinanced the said mortgage twice through Chase with Home Equity Loans. At this time, I have sold the property. During the sale process, the title search came up with a lien on the property from the original mortgage that went back to XXXX. XXXX Date of the initial equity loan ) I need a lien release for that mortgage from Chase in order for the house sale to go through. In talking with Chase for two weeks, they have been unable to find any documentation whatsoever on said mortgage. It is quite obvious that there is no outstanding balance on this mortgage, as Chase has not come looking for me in 28 years. Chase will not return calls at this point.
Consumer complaint received 2021-02-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

TransUnion XXXX  and XXXX  are reporting false information on my credit report. I filed a dispute its been over 30 days please remove XXXX XXXX XXXX from my file immediately.
Consumer complaint received 2019-08-13
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Tower Loan of Mississippi, Inc. (MS)

Tower Loan is in violation of FDCPA through harassment and bullying tactics of collections. 
I lost my job in XX/XX/2019 and have been hounded and harassed by Tower Loan of Pearl ( XXXX XXXX XXXX XXXX ) since then. Every call received from Tower Loan has been an argument and harassing. An employee visited my house on a Saturday morning and told me one amount to pay, but on the following Monday morning I was advised it was 3x more. I was then reprimanded by the Saturday visit employee that what he works out with me is between him and me! I receive multiple phone calls and voicemails on the same day from this company yes, I saved them. It got to be so many calls a day from many different numbers, I started blocking the calls. Communication was not a problem until they started violating CFPB. Multiple times I advised them they may only call me once a day and only leave one voicemail a day. They refused to listen. I received a letter from Tower Loan on XX/XX/2019 that was dated XX/XX/19 stating I had until XX/XX/2019 to come up with the money or they may consider legal action. I was served a court summons on XX/XX/2019 and a nasty phone call from them. I called the corp office and requested a supervisor call me on XX/XX/2019 at XXXX. I spoke to their GM XXXX the following day. He assured me they could still continue to collect on me until the court day XX/XX/19, but considering my unemployed status they would only call and check in on Wednesdays or I could call them. The first 2 check ins went well and then it went to heck. Harassing phone calls and voicemails started up. I was informed by XXXX that their GM hadnt told them anything about only calling on Wednesdays. The lack of communication on their part is no fault of mine. 
I received another letter in the mail today stating I had until tomorrow or they would file legal against me. UHHH HELLO you already did. I have all of the call logs from every phone line they use cell phone included and I have ALL of the voicemails that were left. I left a message for the corporate office to call me back 3 days ago and have not heard anything yet. I am naming the following as the harassers : XXXX manager, XXXX manager, XXXX, XXXX. 
I feel that the multiple phone calls, rude attitudes, and bullying tactics should be addressed quickly. I also feel that because of the mental anguish the agency and its preferred employees cause me, there should be some sort of relief on my end.
Consumer complaint received 2023-04-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

I have attempted several times to validate this debt, and that this company contacted me owns the Debt and they have failed to provide me proof of validation. They are not providing enough information and also using abusive language to scare me into paying them without them providing proper documents that they on the Debt in full. Pursuant to 15 USC 1692g as requested by the consumer the company must provide validation of debt they are also reporting to different account numbers and as a collection account but as an open account, there are a lot of discrepancies with this reporting and according to the FCRA all reporting must be XXXX XXXX accurate, XXXX XXXX verifiable, XXXX XXXX complete.
Consumer complaint received 2022-04-02
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: Experian Information Solutions Inc. (MI)

Experian continues to validate fraudulent information, Experian continues to furnish and share inaccurate information to my consumer report without my consent, causing me irritable harm, and financial hardship. Experian continues to add information to my report without proper prior notice nor my authorization or consent. My credit score is being ruined due to these illegal practices to defame my character with these alleged accounts that has not been properly validated pursuant FCRA. Experian continues to furnish private information onto my consumer report without my consent and against my will! Alleged account- XXXX XXXX  has been settled since XXXX with settlement paperwork to validate, how is Experian reporting activity in 2021?? XXXX  XXXX Ive filed FTC complaint showing that my identity was stolen and used, creditor has also failed to validate the debt outside of sending me a copy of an electronic contract with no signature or ID verification but somehow Experian validates the account! A copy of an electronic contract can not be deemed as validation proof anybody can fraudulently make documents. Original contract with my wet signature needs to be provided! Experian continues to house unauthorized private child support information on my consumer report, I have never received prior notice to alleged debt before its being updated and furnished on my report. against The account had been closed a year prior! Experian continues to dishonor the laws, rules, and regulations in place for accurate reporting to keep faith on the banking system. Ive asked for full disclosure of the verification process including documents used to verify as such Is my legal right and have been denied. Experian continues to try to deter me from seeking remedy by sending me ID verification when Ive sent in multiple verification.There is a conspiracy against me and the people. Experian is not honorable enough to be in charge of such a huge responsibility! Delete all accounts that can not be validated! Remove all accounts that have reporting inaccuracies! Delete all inquiries that are not attached to a open account,
Consumer complaint received 2022-10-09
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. (FL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-02-01
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 (MI)

I am a victim of identity theft I notified the company of the fraudulent activity previously and nothing has been removed from my credit report I made a police report stating that any and all accounts opens before XX/XX/22 is not mine and I have no knowledge of opening
Consumer complaint received 2022-04-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Recovery Services, Inc. (TX)

Southwest Recovery SER collected {$150.00} from me, XXXX XXXX On XX/XX/2022. This was under Grid Code G - Collections. I am unaware what this charge is for and no one was given my permission to collect this amount, nor was I given the option to dispute it. I have attempted to contact this Collection Agency located at XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. Their contact number is ( XXXX ) XXXX. 

Id like to dispute this at this time and not only get reimbursed for the {$150.00} that was not approved, but regain Credit decrease of 90 points which is my point decrease due to this Flagging of collections. 

Please call me at XXXX with questions.
Consumer complaint received 2019-08-02
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Nelnet, Inc. (MD)

I am not sure I am writing the correct agency, or if there is any specific government contact for help with my problem. 

I graduated XXXX University, a XXXX school, in XX/XX/2009. From the way the speakers at assembly and the faculty made it sound, I would pay off my loans in no time at all. I'm sure some graduates did, but despite a decent income I am completely struggling to. My loans are more now than when I graduated, despite me paying as much as I could and never missing a payment. 

I have extremely high student loans. They are at 6.8 % interest. Many months I don't even pay anything other than interest. By the time I get to 25 years ( about 15 years from now ), they will be well over {$200000.00} still because the interest alone accrues so fast I can't pay enough to keep the principal from growing. I have made 10 years ( nearly ) of on-time payments. 

I can not find any company or lender willing to help me because my loans are too large and I am honestly not sure what anyone can even do to help me. As it stands now I will be eligible to have the principal balance " forgiven '' after 25 years of on-time payments, but I will be taxed on that amount as income for that year. That will be a HUGE bill. 

Supposing I am somehow able to save for retirement while also paying more than $ 1,000+ every single month until then, then I will have to give up all that savings to pay the tax bill for the " forgiveness ''. I will be broke as I hit XXXX, if not in a situation where I don't even have enough savings to pay that bill when it hits me at the 25 year mark. So I may very well be bankrupt. 

Sorry for the long email. I am not sure you or your office can help me. I have been trying to game this out and figure out some sort of plan for a few years, but haven't come up with much. I am open to any advice you may have, or other contacts or offices you think I am do well to email. My loan company, NelNet, hasn't done anything that I know to be wrong, although I am not aware that I signed enough promissory notes to have this much of a loan balance, and I don't have any copies of these notes, so I have to trust that the actual original balance was as high as it was supposed to be. I am not sure how I got such high interest rates, or if any program exists to allow me to lower them.
Consumer complaint received 2021-01-25
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. (CO)

I am writing to dispute Chase Bank 's unwillingness to recognize, assist and resolve fraudulent Pay From transactions that has negatively impacted my account for {$11000.00}. The result of this has also resulted in the cancelling all of my Chase credit cards, which I have been in good standing with ever since I opened the accounts. 

The following are the sequence of event that led up to the fraudulent transactions : 1. XX/XX/XXXX Entered into an XXXX XXXX with XXXX XXXX XXXX. ( Appendix A ) 2. XX/XX/XXXX Contacted by XXXX to assist them in helping them open up a XXXX XXXX ( Appendix B ) 3. XX/XX/XXXX Provided instructions on setting up a Pay From account for expense reimbursements ( Appendix C ) 4. XX/XX/XXXX Set up Pay From account linked to my Chase Business credit card ending in XXXX. Pay From bank account information supplied by XXXX attached : ( Appendix D ). I contacted customer service on XX/XX/XXXX after setting up the Pay From account and was told it was set up correctly, and they saw no issues in moving forward. 
5. XX/XX/XXXX Per my instructions I purchased four computers from XXXX XXXX. PO and receipt attached ( Appendix E ). 
6. XXXX/XXXX/XXXX I immediately processed the Pay From from the XXXX XXXX XXXX XXXX 
7. XXXX/XXXX/XXXX XXXX XXXX provided a shipping guide for their IT department for me to send computers to for setup. ( Appendix F ) 8. XX/XX/XXXX Credit card showed a XXXX  balance, so I went ahead and shipped the computers per their instructions. Receipt attached. ( Appendix G ) I processed the Pay From for the shipping costs immediately following. 
9. XX/XX/XXXX Received the second PO for the purchase of four more additional computers. PO and receipt attached ( Appendix H ). I double checked my account before making the purchase and my credit card showed a XXXX  balance at the time. 
10. XX/XX/XXXX Shipped the additional computers to their IT department as instructed. Receipt attached. ( Appendix I ). 
11. XX/XX/XXXX Processed the Pay From reimbursement payment for the computers and the shipping. 
12. XX/XX/XXXX Received notice that the Pay From reimbursement payments were reversed on account the XXXX bank was refusing payment. 
13. I have contact XXXX numerous times via email and telephone and have received no response. 
14. I have contacted Chase customer support many times and have received no assistance. 
15. I have filed a police report with XXXX XXXX XXXX of the XXXX, Colorado police department, Case # XXXX. His phone number is XXXX. 
16. ) XX/XX/XXXX - Sent via certified mail a letter outlining the above with all the supporting documents to Chase Executive Office and was assigned a case manager. XXXX, ext. XXXX 17. ) XX/XX/XXXX - Case manager left me a message denying my claim. 

I do have copies of all the supporting documents mentioned above.
Consumer complaint received 2019-08-02
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with fees or penalties
Company: STATE FARM BANK, FSB (PA)

I am retired and am XXXX years old and do not receive Social Security I established an IRA account with State Farm Bank ( account # XXXX  ) three years ago XX/XX/XXXX The account was a 3 year CD yielding 1.7 % annually Before maturity XX/XX/XXXX I called State Farm Bank to notify that I was not renewing the CD No recommendations were given to me at that time in early XX/XX/XXXX When Protective Annuity requested a rollover Directly thru State Farm Bank authorized by myself the account balance was {$140000.00} on XX/XX/XXXX at rollover to Protective Insurance Then State Farm only transferred {$140000.00} they claimed that the " CD renewed for a few days " and that {$3600.00} in penalties had been taken from my retirement Account I though there was an error After speaking with State Farm Bank these appear to be predatory penalties since most Banks charge 90 days interest if you break a 3 year CD which I have never done
Consumer complaint received 2022-04-02
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: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I reached out to XXXX, XXXX, XXXX and XXXX XXXX and Portfolio Recovery on XX/XX/XXXX. To this date i have not received a response back regarding the fraud listed on my credit file. 

The collection listed on my file is fraud and should be removed as it is causing hardship with my life plans. I the consumer should not be suffering because of identity theft. 

According to the consumer law 15 U.S. Code 1681c2 states that a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such an agency.

1. Portfolio Recovery - XXXX XXXX XXXX Bank XXXX XXXX XXXX XX/XX/XXXX No account number listed XXXX. XXXX - XXXX XXXX XXXX XXXX - NO ACCOUNT NUMBER LISTED
Consumer complaint received 2021-02-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

Originally I was unable to pay my mortgage payments ( about 6 years ago, XXXX when " Obama care '' started, I was unable to bill insurance for massage, my sole income ) and stopped paying. This went on for an extended length of time and I did not know why the bank hadn't foreclosed. I hired a real estate attorney and pursued, the first time in cort my attorney learned that the bank " couldn't prove ownership '' this was somehow " fixed '' and I was approved for a repayment plan and in compliance when my home was sold at foreclosure sale 2 times. The first time, after unsuccessfully attempting to stop the sale, XXXX XXXX, holder of the mortgage went to the sale and bought the home. approx. date ; XXXX XXXX. 
Just over a year later as I continued the repayment plan, the home sold again. My attorney 's firm ( XXXX XXXX ) and XXXX XXXX  attempted to stop the sale, unsuccessfully and were also unable to reverse the sale. XXXX XXXX XXXX, the judge told the bank " pay the buyer his money back ( buyer, at that time was in agreement ) modify the loan and give the home back to mr. XXXX. The bank replied " why doesn't Mr XXXX  just pay the buyer '' my attorney replied if mr XXXX didn't need a bank, we would not be here. The judge then said 'the attorneys need to figure out who's going to pay the buyer and come back to court. approx three months later, in court, the bank still hadn't paid. XXXX XXXX  asked for ( and was granted ) 150 days more to continue negotiations These days will end in XX/XX/XXXX during this time, the attorneys for XXXX XXXX have ceased to follow up wile offering " any assistance '' they sent me all information on my case and encouraged me to get another firm to file lawsuit. I've called the ombudsman department for the mortgage servicer, SPS, and after reviewing my ( now closed ) account, they agreed there is a problem " the house was sold although I was up to date and in compliance with the repayment agreement " but they couldn't go any further as XXXXthe next step is between me and the bank '. I am presently awaiting information via hard mail of the conversation from the ombudsman dep. 
Although my attorney was clear ( before he left XXXX XXXX  ) '' if I sue the bank, I stand a good chance of gaining an astronomical amount of money "
Consumer complaint received 2019-08-13
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: Experian Information Solutions Inc. (NY)

Experian and XXXX are reporting this account incorrectly as it does not show the correct high balance, limit, monthly payment, date of last active and date of last payment. I have disputed this account too many times but never did I receive any correction for this account. XXXX has reported this account correctly.
Consumer complaint received 2022-04-02
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: Experian Information Solutions Inc. (TN)

ACCORDING TO THE FCRA THESE UNAUTHORIZED INQUIRIES NEED TO BE REMOVED. KNOWINGLY LYING, MAKING FALSE STATEMENTS OR CONCEALING VITAL, SIGNFICANT AND PERTINENT INFORMATION, DATA AND/OR BOOK ENTRIES CAN, XXXX AND WILL IMPLY THAT YOU ADMIT YOU ARE SECRETLY ENGAGING IN THE PRACTICE OF SCAMMING PEOPLE, EXTORTING PEOPLE, AND DECEIVING THE PEOPLE AND YOU ADMIT THAT THIS IS TRUE AND CORRECT IF YOU DO NOT HONOR THE REQUEST
Consumer complaint received 2022-04-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

Signed moving agreement and sent the {$1000.00} deposit requested via ACH. 1 hour later, called to cancel, as was suspicious that the company was fraudulent, was told " there was nothing they could do. That we will keep the deposit, and you can use it for a future move. '' A check was made up with my account information, and the number given for my move was used as a check number so that my bank could not stop payment. Bank also refuses to refund and stop future withdrawals.
Consumer complaint received 2021-02-09
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MidAmerica Mortgage Inc (TN)

I am having continuous problems with MidAmerica Mortgage Co, for over a year. I have made my payments, even paying extra, on the mortgage payment, and this company has not given me credit for almost a years worth of payments. Since XX/XX/2020, they still have not updated my account, and have me delinquent on my payments, which I am not. This is the 2nd time I have filed a complaint with the Consumer Finance branch. I have tried to communicate with this company, and all I get is, " we're taking care of it, '' but still they have not followed thru.
Consumer complaint received 2021-02-02
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: JPMORGAN CHASE & CO. (TX)

I have previously submitted a complaint in this matter to Chase Bank Card Services ( Complaint ID # XXXX ). Today I spoke with " Chase Bank Executive Offices '' who referred to me to " Chase Collections ''. There it was explained to me that the payment relief programs I applied for are reporting me as " delinquent '' for XXXX and XXXX, 2020 even though I made automatic payment arrangements as advised. I now believe the COVOD hardship payment information I was given by " Chase Card Services  '' was misleading and unclear. My credit is being harmed by this incorrect information. Chase Card Services should provide clear information to customers who are suffering COVID hardships such as myself so that they better understand their options and make informed decisions.