davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-06
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCF Intermediate Holdings LLC (TX)

On or about XXXX my, now wife ( not my wife at the time ) took a personal loan out with speedy cash in the amount of {$1000.00}. Yes was unable to pay the debt and they received a judgement in the amount of XXXX in XXXX ( approx XXXX for the amount owed and XXXX in attorney fees with XXXX percent post judgement interest. In XXXX the company hired an attorney XXXX XXXX. She collected XXXX of the principle balance and which was applied to he underlying debt. Towards the end of XXXX requested my wife call to settle the matter we offered XXXXthe balance of what was owed with attorney fees and XXXX XXXX refused to discuss the matter and informed her she owed XXXX. This is unreasonable in any circumstance. 

Last week this individual garnished my checking that I put my wife 's name on for XXXX. Which I have no idea where she came up with the amount. I have been calling for the last week and a half and she has not answered, returned a call or responded via email. She has sent no verification of debt or anything within 5 business days that expanded to me my rights and what is exempt and or not exempt by law. 

My bank has also reached out to her and she has not responded to them. We have also reached out to the court to get her to respond. It is unfair for a {$1000.00} debt to become a {$4500.00} item ( XXXX plus the XXXX she has already collected ). It is unfair for an agent of a company to misrepresent the amount of the debt and to freeze accounts especially when you have children to feed and bills to pay. She has provided no back up showing how it is possible for XXXX in debt to become XXXX in debt. 

And she has been avoiding the conversation and unduly causing harm and stress in a matter.
Consumer complaint received 2019-05-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

My dad tried depositing cash to my account on XX/XX/2019. He was told that cash can not be deposited to my account by Chase. He tried then depositing with his debit card and was told this is not allowed either and that it must be a check, money order or cashiers check. He then got a cashiers check and deposited to my account. Chase put a hold on my account that will potentially cause me a late fee and/or credit reporting issue. Had they accepted the cash I wouldnt have incurred these issues. Cash is legal tender and not accepting cash as a payment is illegal, how is this policy okay?
Consumer complaint received 2021-09-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FEDChex Recovery, LLC (CA)

I have been continually contacted by a collection company about a supposed debt owed to a company they call XXXX ; a company I have never heard of, read about, talked to or done business with. 
I believe it is an attempt to extort funds by threats with no legitimate basis in fact. 
The following is all the information I've been given : Re : XXXX Creditor : XXXX XXXX - Chargebacks
Consumer complaint received 2017-08-28
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Convergent Resources, Inc. (CA)

Convergent refuses to cease and desist attempts to collect false debt from XXXX. I have wonderful relationship with XXXX, whom themselves never attempt to contact me about this fraudulent debt. I have sent numerous emails, physical letters, and told them over the phone to stop calling and harassing me and that they are wrongfully contacting me. Supposed debt is well over 7 years old, as well as date the supposed case was opened against me. I do not recognize any information they provide, only responded saying that at one time I had someone wrongfully withdraw money from a paypal account years ago. But that I never defaulted on any purchases etc. Back then the money had to be IN the XXXX account for a purchase to be made so it is impossible I would be able to overcharge a credit card etc.There was a negative report on my credit report from this incident because I was never able to find proper information on the individual in order to bring them to court, they hacked several accounts of mine at the time even finding my address. However this poor mark on my credit has been long removed from all credit bureaus for several years now. Convergent refuses to stop harassing calls and letters, even going as far as contacting previous addresses/phone numbers and family members. Harassing them when asked to stop. I do stay off and on at this old residence often using it as mailing address for packages, but do not own this home nor was this the address I resided at when this dispute was created I lived in XXXX XXXX CA. They also send a statement saying they may post a negative mark on my credit score if I do not submit to their harassment and give them funds. Which considering the dispute is over 7 years old, I find to be wrongfully threatening and deceptive. Being I have spoken on phone, and sent letters mostly..As far as responses from me I only have a copy of the last letter sent to them in which they have already ignored and begun calling family members again. They do state in other letters that they acknowledge I have told them I do not owe them money and do not wish to speak with them yet continue to keep this up, I can find those in storage if necessary.
Consumer complaint received 2020-07-11
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. (CA)

I'm sure you receive several complaints so I will try to make this short and concise. Since XXXX of this year I've been attempting to have incorrect information on my credit removed and corrected from my credit report. The credit bureaus are reporting a XXXX XXXX XXXX account which is over 7 years old and they are reporting a bankruptcy which is 10 years old. All I want is for them to remove these accounts from my credit report and fix them.
Consumer complaint received 2017-06-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (FL)

On or about  XXXX   2016 , I receive d Bayview Loan M ortgage Statement and I realized that there was a charge in the amount of {$310.00} as  XXXX   XXXX   XXXX . I contact Bayview via correspondence to provide with all and any documentation pertaining to this fee of {$310.00}. I was told that this fee is charged by their office as a service fee for taking pictures to my property or so call " inspection. '' I have not been in any type of arrears with my home for me to be charged this fee. Also, there is no document stating that this fee can be charged to any of their clients. I believe this fee is illegal.
Consumer complaint received 2017-06-13
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. (TX)

I have an account with  XXXX   XXXX  on my account for 3 years as of now which is not valid. I have requested for valid proof from original debtor and have yet to received. Account is not valid and have tried disputing with credit bureaus and with the agency on several occasions and nothing has happened with the account. When trying to dispute with the company I submit the letter that I received stating the account is not valid and hear nothing in resposne.
Consumer complaint received 2021-09-03
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MI)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the XXXX  you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2017-04-11
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: DISCOVER BANK (WI)

My Aunt passed away on XX/XX/2016 we had a joint credit card with Discover Card. For months I have been trying to cancel the card, the bill and get a check from Discover Card for the {$32.00} credit balance. Despite my mnthly calls I can not get them to take corrective action
Consumer complaint received 2017-06-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (TX)

I have already opted out via the official sites to receive NEW OFFERS from all credit card companies. However, I continue to receive these EN MASSE, every week. It is jamming up my mail box to the point that I can not open the keyed box.
<P/>
All credit card companies ... CHASE,
XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXXXXXX XXXX, etc. This must stop.
Consumer complaint received 2017-06-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation (CA)

My escrow account has been set up incorrectly and the bank is not doing anything to solve the problem. My monthly payment is {$2200.00} and it breaks out into Principal and Interest {$1300.00}, Escrow : {$870.00}. Escrow account should include taxes, insurance premiums and PMI. Taxes : {$4000.00} annually ( Parcel - XXXX XXXX County - CA ) Insurance Premium : {$390.00} annually and Private Mortgage Ins. {$210.00} monthly. If this is what my escrow account should include, plus any sort of " cushion '' I do n't know why it has been set up to {$870.00}. It should roughly be {$590.00} My escrow balance up to date is {$3300.00} which is far more than what it should actually be. I have requested my bank in several occasions to please update my escrow account by having an escrow account analysis done and they refuse. They say it will be done until XX/XX/XXXX and recently a representative emailed me saying it would be until XX/XX/XXXX. This is a huge difference and it is been a burden on my family.
Consumer complaint received 2017-08-28
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/XXXX I contact JP Morgan Chase Bank to submit a payment over the phone of XXXX with the effective date of XX/XX/XXXX. The representative took the payment and confirmed with me over the phone the payment would be processed on XX/XX/XXXX. On XX/XX/XXXX I received an email confirmation that my payment of XXXX was posted to my Chase Auto loan account. I contacted Chase that morning and they confirmed it posted. They advised they could not reverse the payment. I spoke with many representatives, who would not connect me to a manager, they advised me that there is nothing they can do. One representative stated I was causing her staff time to be affected. I explained to them I have a child who has medical issues and this was going to cause my checking account to overdraft and that because this was on the weekend, I was not able to purchase any food for myself or my child. The employee continued to place me on hold every five minutes and she would until the end of her shift. This caused undue mental stress to me and my child. My checking and savings account on Wednesday XX/XX/XXXX became a zero balance, no funds in my account to take care of my child. I immediately contacted Chase Bank again, they just advised to stop payment on the payment. I reached out to my bank XXXX and I was assessed a XXXX fee which Chase did reimburse, however, I have been dealing with the situation still to this date. I have escalated the situation to the presidential office at Chase and feel that they are treating me unfair and differently because of my records with them in the past I had to file bankruptcy due to a financial hardship. No one that I spoke with followed up with me to see if the issue was resolved. I am a single mother with one income, and the banks error they do not take the severity of what happened. My time is valuable and how they are treating me makes me feel they are treating me like I am some stupid XXXX. My mental stress and time is worth everything to me and a letter of apology is not acceptable for me.
Consumer complaint received 2017-06-14
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (CA)

I opened up a charge card thru   XXXX   XXXX  /Synchrony Bank. For the last several months I have made the full months payment. I even have a letter from them showing that I am paid current, refunding the late fees I paid ( just in case ). Again, I received a bill with late fees and interest. Again I called and again they said they will correct and send another letter. This is a practice of Synchrony bank hoping we just pay the fees. I am willing to bet I am not the only consumer with this experience. In my opinion this is therie attempt to defraud the consumer.
Consumer complaint received 2016-09-19
Product: Credit card — 
Issue: Billing disputes — 
Company: BARCLAYS BANK DELAWARE (CT)

I am enrolled in Barclaycard hardship program for account ending in XXXX, a XXXX set up payment plan which includes a payment due on XXXX in the amount of XXXX, which has posted and processed. Payments in the amount of XXXX are due on and scheduled for the XXXX of the month. However, the payment amount due is XXXX on XXXX and a late fee was charged on XXXX in the amount of XXXX. Under terms of the program interest rate is supposed to be adjust as well as late fees waived. It appears this was not done.
Consumer complaint received 2024-01-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (MA)

I have already contacted this company on different occasions and they insist that I have an alleged debt with them.

15 U.S. Code 1692a ( 5 ) ( 5 ) The term debt means any obligation or alleged obligation of a consumer to pay money arising out of a transaction in which the money, property, insurance, or services which are the subject of the transaction are primarily for personal, family, or household purposes, whether or not such obligation has been reduced to judgment. 

Where is the proof of the transaction that creates this alleged obligation to you? 

They allege that I have some type of responsibility with them to return money through some contract that I have with them or some agreement by which they lent me money. They continue to violate my rights as a consumer since I have never done any type of business with said company and they continue to send me misleading communications to my address of amounts and amounts that I supposedly owe them. 

They say that I am almost obligated to pay you and I ask what is the product or contract with which I did business with you? They continue to violate the laws with false communications, demanding an amount of money that they supposedly lent me. I ask them for proof of any credit transaction in my name with this company and they do not have any proof and proof is not any document with my personal information. Proof is anything of value in the form of money or its equivalent that gives them any legal right to send me all of these fraudulent communications. 


Account info Account name XXXX XXXX Account number XXXX Date opened XX/XX/year> Balance {$6600.00}
Consumer complaint received 2021-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Specialized Loan Servicing Holdings LLC (IL)

Specialized Loan Servicing purposely lied and said my home was in foreclosure and it was not. They also said my home was effected by a natural disaster and it was not. They also said my home was in deferment and it is not.
Consumer complaint received 2020-06-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (KS)

This letter is a formal compliant that you are reporting and incomplete credit information. 
According to the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( I.e. : an original consumer contract with my signature on it ) that you have on file for the account listed As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office
Consumer complaint received 2017-06-14
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (PA)

In  XXXX , shortly after I graduated in  XXXX , my mother had me reconsolidate my student loans. At the time, they were unde r American Education Services. After reconsolidation, they were transferred to FedLoan Servicing. I did not understand what I was doing, to be honest, and thought my loans were all under American Education Services still - so I was not aware of my loans under FedLoan Servicing. They claim they tried to call me, but apparently all of the calls went to my spam. Therefore, they went into default. When I finally became aware of them, I tried to set up some sort of repayment but they told me I had no options. As the late fees and past due payments were too much for me to pay upfront, I fell behind and default a second time. I am trying to figure out what my options are to bring the loans into repayment. I contact them repeatedly and each time I either am t old I have no options and I either have to pay the full amount or it will keep increasing in the amount I owe or I am transferred endlessly between departments with no one able to tell me what my options are. Each department tells me something different and transfers me to a new department. This ha s ruined my credit score and my rental applications are being denied because my student loans are in default ; I am currently sleeping on friends ' couches as I have nowhere to live.
Consumer complaint received 2024-01-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (AZ)

I placed an order with XXXX for {$120.00} and there was over {$90.00} of my entire order missing. I contacted XXXX and they refunded only {$47.00} of all of the missing merchandise. They told me to file a dispute with the bank. The bank I used was Cash App. 
They flat out denied the claim and now Im out another {$50.00} of items I paid for and nobody is willing to do anything about it. Cash App has done this with other disputes Ive had with them in the past and there is zero recourse that I have with them other than to just deal with it. Im tired of letting them get away with it. At this point I honestly want my entire order refunded as XXXX isnt taking responsibility for the full missing order. I only wanted back what was missing, but now I am having to take all these extra steps to try and get my money back. This was money I barely had to order food and goods. And its just gone because they take 5 mins to review the dispute.
Consumer complaint received 2021-09-03
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft BK OF AMER Account Number : XXXX This is not mine.
Consumer complaint received 2017-08-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (AR)

Phoenix Financial sent me a letter that was back dated by two weeks stating I needed to dispute the collection within 30 days. The date on the letter says I received their services in the year ofXX/XX/XXXX, but I have never been hospitalized. The date on my credit report says the account was opened inXX/XX/XXXX. I immediately sent written correspondence disputing this debt, informing them it was n't mine and to send verification. I have sent them several letters over the years asking for verification they have never verified it. The account is up in dispute before it appeared on my credit and they never sent verification before adding it to my credit report.
Consumer complaint received 2017-08-28
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TN)

I have disputed the fact that I was never late and there is not a pending foreclosure. My Equifax report has dropped nearly 30 points because of this. I did in Lieu of Deed. XXXX paid XXXX off. They are stating that the account was late and a charge off. They were paid and the account was not a charge off and there is not an impending foreclosure. Please correct with Equifax, XXXX and XXXX. There were no late payments either.
Consumer complaint received 2016-10-14
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Carter-Young, Inc. (NC)

Carter-young states that I owe XXXX to XXXX XXXX XXXX XXXX When I asked for validation of the debt they sent me paper statement for XXXX XXXX account. They highlighted my " typed '' name signature to the bottom of the page. They put this on my credit report and is ruining my credit report and score. I want this company to remove this derogatory information off my credit report.