davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-19
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (NY)

Ive been discriminated against and American Express violated the Privacy Act. I initially submitted a XXXX XXXX credit card application but was denied based on unverifiable factors. Ive asked American Express to provide me with such evidence stating the reasons of such denial. Per my previous complaint with the CFPB, they failed to do so. American Express provided documents of another person which is a violation of their privacy, and unlawful business practices against me. I have provided the correct reference number for the XXXX application I submitted.
Consumer complaint received 2022-09-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (GA)

In the month of XX/XX/2022 around the beginning of XXXX JP Morgan Chase sent me a notice in the mail that they would be ending my banking relationship with them on XX/XX/2022 however until then I would be able to use and have access to my account. On XX/XX/2022 a client deposited a check into my business banking account with no Morgan chase for {$130000.00} which was placed on a two day hold by the bank so XX/XX/2022 th funds shouldve been available however on XX/XX/XXXX then bank then comes back and say we would like to do an extended hold for an additional 7 days so XX/XX/XXXX the funds would be available. On XX/XX/XXXX th funds were made available in my account and I was able to resume my business with my client in the process of me having access to my funds the bank allowed me to gain access to my funds once I started to handle my business the bank then comes back around XXXX est time on XX/XX/XXXX and said no we are restricting your account no reason just because we can so you can access your funds! This is the 2nd time they have done this to me! I need my money my business have bills, I have family I have bills I cant do nothing to feed my children or myself if the bank just keeps taking from me! This isnt fair!
Consumer complaint received 2019-03-05
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. (CA)

I disputed with Chase for {$2200.00} on XX/XX/19 a fake merchant posing as XXXX for tech support for 2 charges of XXXX on XX/XX/19. This fake company posing as XXXX provided a false invoice that I bought gift cards for the amount of {$2200.00}. The invoice is fake and Chase took the fake document and closed my dispute. Chase did not confirm the documents provided by this fake merchant posing as XXXX is legit. 

I was a victim of computer fraud and this company froze my computer and said to call XXXX Support   and I called the number on the screen and they sold me on a lifetime support from XXXX Tech Support for {$1100.00} and walked me through payment through my XXXX XXXX as my computer was frozen by them. The transaction didn't go through so they walked me through the transaction again for another {$1100.00} totaling {$2200.00} which I disputed with Chase. 

I am shocked at the lack of customer support and protection from Chase and siding with a fake merchant committing crime and fraud without any effort to validate the fake invoice.
Consumer complaint received 2024-03-19
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: WELLS FARGO & COMPANY (CA)

The year was XXXX. I started by calling Wells Fargo to start the process for a XXXX  modification. I did this for two years to no avail with Wells Fargo. They gave me the run around. Never helped this XXXX  family. I was doing this alone while my husband was XXXX in the XXXX XXXX. By XX/XX/XXXX we had no choice but to file Bankruptcy. A XXXX XXXX, nephews and extended members of our family were displaced. We lost our home. 
All we wanted was to reduce the payment from {$840.00} to a reasonable payment. It did not happen.
Consumer complaint received 2018-06-05
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: SLM CORPORATION (PA)

XXXX XXXX is my loan provider. I have XXXX at 11.875 % rate. I have asked XXXX XXXX to provided me with a full amortization schedule to show how much i would pay every month in interest and principle for the life of my loans. They refuse to do that and refuse to give me the calculation they are using to determine my monthly payments. So for all i know they are charging me more than they should be while going unchecked. This company should not have the ability to charge such a high rate on government funds. They are my smallest loan amount but largest payment. I am barely keeping my head above water with all my debt and i can not do anything else to help my situation. Please help me.
Consumer complaint received 2018-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have tried for two years to get Trans Union to look into a creditor is has three duplicate charges on my credit report, the only thing that differs is the amount of interest charged.  There are three medical bills total that are ligitimate.  This bill collector posted six, as I said three of which are the same bill, different interest charge.  Not only have I not heard from Trans Union with 30 days,  I have not heard from Trans Union at all about my complaints.  There is also a new hard inquiry listed recently that I did not initiate.  The creditor is all the same company, XXXX —— XXXX.  I’m not sure of the last name.  It’s a company in Massachusettes that seem to deal only in medical bills.
Consumer complaint received 2019-03-05
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (CA)

Today I had paid my balance of {$550.00} in full, and yet the customer service representative mentioned to me I would be responsible for {$250.00} in additional interest because I did not pay this promotional balance in full by XX/XX/XXXX. This is unfair deceptive and misleading business practices UDAAP and Fair Debt Collection Practices Acts ( FDCPA ) because I never received any disclosures or clear information to this effect. I am absolutely disgusted by these mob collection tactics by Best Buy and Citibank. 

Previously, I had submitted a complaint in XX/XX/XXXX about excessive interest charges which were never disclosed to me, on or around XX/XX/XXXX, Best Buy/Citibank had credited these excessive charges and installed a promotional rate as of XX/XX/XXXX, which misled me to believe the promotion would be in effect through XX/XX/XXXX. 

Further, I have never received my Best Buy Credit card, any monthly statements, and because I do not have my Best Buy credit card in my possession I am unable to view charges online, etc. This lack of information is denying me the opportunity to be able to act proactively on any account changes. 

I have set my account on autopay to show my good faith since XX/XX/XXXX, and I call in repeatedly to verify my account status in good standing, and NEVER ONCE did the customer service mention the loss of a promotional rate and which date it would be occurring, etc.
Consumer complaint received 2018-01-19
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: National Credit Adjusters, LLC (GA)

I keep receiving calls from a debt collection agency asking to speak to someone I have never heard of before. I told them the number they are calling is my cell phone number and I do not know the individual they are looking for. I requested they stop calling me ; however, they have continued to call me multiple times. The number I received calls from is ( XXXX ) XXXX.
Consumer complaint received 2024-03-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

Kohls order XXXX was placed on XX/XX/23, for the price of {$64.00}. The order delivered on XX/XX/23. The entire order was returned on XX/XX/23, but only {$53.00} was refunded at the time of returning the order. I was unaware at of the outstanding balance of {$10.00}, on my Kohl 's card, until I received a call from collections. I explained my situation to them. They said they would close the case and bring my Kohl 's card balance to XXXX. Since my first call with Kohl 's collections, I have had quite a few more. Each time I have to explain my situation as if it was the first time. They all have said they would " handle '' it, but so far the outstanding balance keeps going up and I keep getting calls from Kohl 's. Meanwhile, Kohl 's submitted a " failure to pay '' entry on my credit report, which consequently lowered my credit score by XXXX points. To say that I'm heated is an understatement.
Consumer complaint received 2017-07-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC (FL)

In XXXX I experienced a sudden loss of income. I had several credit cards and was struggling to support my children. My debt went into collection and I currently have most paid. I had one however that was an XXXX account that went into a place that was never documented but I paid a company that said they had acquired the debt. That was called XXXX XXXX and my bank account was debited XXXX dollars a month starting in XXXX. The last one beingXX/XX/XXXX. Now it seems to not exist and after receiving odd phone calls from another company and making many on my own, I believe National Credit Adjusters has that loan and has had it all along. I have been paying, it seems, to a fraudulent company. National Credit Adjusters has been disrespectful, rude, demeaning, but more importantly not forth coming with documentation. I would love to pay my debt but with the proper process and until I receive that I would like to alert you to this company 's practices and have some solid answers before proceeding.
Consumer complaint received 2018-01-19
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: URS Holding, LLC (WA)

XXXX XXXX XXXX. sent me a notice that they are attempting to collect my student debt. This notice dated XX/XX/XXXX was received by mail on XX/XX/XXXX. I have since attempted to contact them regarding my debt and have received NO response from XXXX XXXX XXXX. In ever communication I have made I have provided my name, account number, phone number, and email.I called and left voicemails on XX/XX/XXXX, XX/XX/XXXX,  XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I have called almost daily but I have not always left a voicemail. They have also answered the phone and asked to take a message because their voicemail system was "too busy."I have sent emails through the XXXX XXXX XXXX website "Contact Us" option on XX/XX/XXXX and XX/XX/XXXX.I have sent 2 certified 2 day delivery letters on XX/XX/XXXX explaining my situation and the fact that I cannot get a hold of them. One letter was sent to their complaints department whose address was provided on the back of the notice. The other letter was sent to the mailing address they provided for contact on the front of the notice.I am now past my 30 day period provided in their notice and they still have made NO attempt to return my communications.They have also added over $XXXX to the requested debt amount since my last received communication from the Department of Education.
Consumer complaint received 2021-03-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Capital one never reached out for verification or did an investigation. Capital one said we can see no evidence of fraud on this account and we are not talking any action at this time. So we closed this case and arent doing any more research.
Consumer complaint received 2019-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CA)

Today : XX/XX/2019 I went onto XXXX and noticed two unauthorized hard inquiries on my credit report. 
First company reported hard inquiry XX/XX/2019 from : XXXX XXXX, FL XXXX ( XXXX ) XXXX Second company reported hard inquiry XX/XX/2019 from : XXXX XXXX, DE XXXX ( XXXX ) XXXX I never authorized either of these two above companies to check my credit. I haven't tried to get a new line of credit, whatsoever. I contacted both of the above companies directly and the calls where an automated advertisement company offering products. I have no information on how to get in contact with these false companies to address this issue and I'm concerned my credit may become jeopardized if this is not taken care of soon.
Consumer complaint received 2018-01-19
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. (SC)

I have mailed 2 disputes to Equifax regarding a collection agency that is reporting medical debts on my credit report. The collection agency is XXXX XXXX  Equifax reported that the debt was verified. I sent a debt validation to XXXX XXXX as well asking them to verify the 4 collections that they reported to Equifax. XXXX XXXX has 4 collections on my credit report from 4 different medical facilities. XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. XXXX XXXX 2017,  XXXX XXXX sent me a billing statement with insurance information and codes. The statement on the top has " write off '' on it. The cover sheet sent has my name and correct address, the statements sent does not have my name or address correct. I asked that they verify ALL of the collections they have on my report and they only sent a billing statement from XXXX XXXX which has all the wrong information also they failed to provide me with a Contract bearing my signature or anything verifying that they own the debt and that I agreed to pay a third party collection agency. I then sent another dispute to Equifax who is reporting that these collections were verified.This company is using unethical tactics to collect on debts they can not verify and Equifax is reporting that they verified the debt when they have not. These unverified accounts are damaging my credit and my ability to obtain credit and I would like them deleted immediately. 
The unverified collections that continue to report on my credit file have the following account numbers : XXXX, XXXX, and XXXX
Consumer complaint received 2023-01-09
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AES/PHEAA (KS)

Hello i have been trying and trying to get this stuff fixed for almost 2 years now. The reporting is just all over the place honestly and you guys are my last resort. In the past Fed Loan Servicing has been pretty decent with getting back to me. However every time the " updated '' something it still came back inaccurate on my credit report. So it's costs me time and alot of money going back and fourth with them for 2 years. get that they are very busy and probably under paid but the illegal reporting is really stressing me out and causing me XXXX XXXXXXXX and everything. Covid really hurt alot of people and i know they are helping people get through it by deferring stuff, but man they have been ignoring me like crazy. As an American, i have rights and my rights are being ignored. They are illegally and inaccurately reporting information to XXXX XXXX and XXXX. Not only did i never receive my consumer reporting rights from Truth in Lending but it is inaccurate reports showing. They are reporting 5 different reports as of today. And i am a private person so i told them i don't want to give up my right to privacy for them to violate that hurts bad. I asked them to remove it many times but they are just too busy to listen. They removed some but not all the ones i mentioned in my letters. I need help
Consumer complaint received 2024-03-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Onity Group Inc. (NJ)

PHH Mortgage Services - XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, FL XXXX Loan balance reached the 78 % threshold but it was not automatically removed as stated on their website or in accordance with Homeowners Protection Act. Since I was still being charged PMI, I requested the PMI to be cancelled to which I received a letter stating my property was in a FEMA declared disaster occurred in the last 24months. When I reviewed the NJ FEMA website there was no item that occurred in my zip code so I called PHH to inquire what event this was specifically. They said as long as it happened in the state a valuation will be required at my expense. This is clearly a dishonest practice as if they truly cared about property damage they would ensure the location of these events not just a statewide umbrellas cover.
Consumer complaint received 2019-03-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Phoenix Financial Services LLC (GA)

The letter states that I had an ambulance ride on XX/XX/2013. I have never been in an ambulance in my entire life. I asked the company Phoenix Financial Services where this individual was taken from ( address ), where they were taken ( address ), what time of day, provide other information that was given to the individuals other than a name and date of birth ( such as social security number, race, age ... ) and other information which they could not provide. I feel as if this is a scam and they are just trying to get me to pay money.
Consumer complaint received 2019-03-05
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: Sequoia Financial Services (CA)

XX/XX/2019 Sequoia Financial Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX RE : Intent to file lawsuit, HIPAA Privacy Violation Validation Letter sent to : Sequoia Financial Services Account # XXXX Social Security No. : XXXX To Whom It May Concern : Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that clearly violates my rights according to HIPAA. 

Sequoia Financial Services did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously. 

Sincerely XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX
Consumer complaint received 2019-03-05
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. (CA)

XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX RE : Intent to file lawsuit, HIPAA Privacy Violation Validation Letter sent to : XXXX XXXX XXXX Account # XXXX Social Security No. : XXXX To Whom It May Concern : Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that clearly violates my rights according to HIPAA. 

XXXX XXXX XXXX did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously. 

Sincerely XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX
Consumer complaint received 2018-02-01
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 (MA)

XXXX XXXX close my account in XX/XX/XXXX and i tried to pay it current. XXXX XXXX Charged off the account in XX/XX/XXXX. XX/XX/XXXX XXXX XXXX XXXX bought the account. At the time in XXXX i did not know who they were so i did not answer most of their calls. I eventually talked with them and tried to work something out, but then i got repeated harassing, threatening calls with profanity in them. In XX/XX/XXXX, I became unemployed, homeless, and let them know that, however the calls came in until finally i blocked their number. 
Their threats came true in late XX/XX/XXXX, first week in XX/XX/XXXX when i look at my credit and found that XXXX XXXX XXXX went back in and rated the XXXX XXXX  account as Charged Off ( CO ) for every month since XX/XX/XXXX to present. This has caused me distress, as i was almost homeless again, because of their rating this account CO for all the months back to XX/XX/XXXX. I am a XXXX veteran and i'm trying to rent an apartment, but can't until i get this resolved. 
I talked to them again today and still nothing. I talked to XXXX to try and get a letter stating that the account was closed in XX/XX/XXXX and Charged off XX/XX/XXXX. Still waiting on the letter from XXXX. I have also filed a claim with XXXX  to correct the account. I have reported this company before for the abusive nature and tactics they take.