davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Duncan Solutions, lnc. (NC)

Drove on  XXXX  in   XXXX   and did n't realize that it had been updated to   XXXX   XXXX  , having travele d that road many times in the past as carpool lane.  The bill was {$33.00}, first charged in  XXXX . 4 months later, I am being charged {$120.00} from a collection agency, though they dropped that as first time to {$90.00}.   XXXX   XXXX   XXXX   XXXX  s the agency, tel  XXXX . To me, I wondering about the legalities of the overcharging. However, even if this is okay, they ask me to confirm my name, phone number, address. Then I pay, giving them my card number, expiration date, and security code. And they will not send an email confirmation or receipt! To me, this is unacceptable and probably illegal. I do not get a receipt?     I think that this seems to be taking advantage of a well meaning person who has a  credit score o f  XXXX  and never misses a payment.
Consumer complaint received 2015-04-01
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated an attorney or official
Company: Miller Davis & Peoples (FL)

Received a call to my personal cell phone that was intended for my husband from a " mediator '' on behalf of their client. The mediator stated she was calling for Miller, Davis and Peoples for a debt that my husband owed which is over 10 years old, proceeded to tell me that the statute of limitations still allows them to collect on this debt. I asked her why my husband had not been " served '' with court papers, and she responded that he had, but it was a bad address. Which I know to be completely false. As I searched online, I found this was a scam and dozens of people have been conned, I asked her if I could settle his debt on his behalf to see what she would say. She then placed me on a brief hold and responded " yes, you can settle his debt. '' At which point I told her I had searched online and found that this was a scam and that not only was I going to place a complaint with the FCC, but also with the XXXX and on the Consumer Finance Website for the government. She became very irate and screamed at me that they would " serve '' my husband with papers to collect this debt. She then hung up on me. 

She spoke very quickly, and I assume the company who does this, speaks in this manner so as to confuse and worry the people they are contacting. I am sure that there are elderly people who are receiving these types of calls and who are swindled for money. Luckily, I am not so easily persuaded or intimidated. 

The phone number she called from is XXXX. I also found a link to all of the complaints regarding this company : XXXXPlease stop these people from doing further harm to others!!!
Consumer complaint received 2017-05-22
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: BARCLAYS BANK DELAWARE (CA)

Credit Company :  Barclaycard  Reward Program : Take {$100.00} Off Your  Next   XXXX   XXXX   Flig ht Offered By   XXXX   XXXX   XXXX   XXXX    MasterCard Pro blem : Reservation was made on  X/XX/2017   at   XXXX  as instructed by the program. However the tab " Gift Card/eVoucher '' was no where to be found on the web page for entering the flight discount code and the pin. I went ahead to complete the flight reservation. I wrote to  Barclaycard  on  X/XX/2017   an d raised the issue. I have attached the   XXXX   reservation Record  Locator Code and a copy of the reward offer discount code and the pin number I received a response from Barclaycard  dated  X/X/2017   -telling me they were unable to complete the request and a sked me to call their Customer Services. I call ed Barclaycard Customer Services  on  X/X/2017  . Th e Customer Representative told me to try to make another flight reservation using the discount code and the pin. I told her this was not acceptable. Then she said it was not their problem. It was   XXXX   XXXX   problem After waiting for an hour to connect with  XXXX , she came back and told me she could n't solve my problem.
Consumer complaint received 2015-08-31
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: EQUIFAX, INC. (OR)

This company, XXXX along with attorney XXXX XXXX XXXX has sued me and received a judgment ( XXXX XXXX XXXX county ND ) XX/XX/XXXX. I was never served and then XX/XX/XXXX they extended the judgement again without notice to me. The clerk told me that I was served at XXXX ND. I have never lived at that address. I have lived on the XXXX since XX/XX/XXXX. No due diligence was used to find my place of employment or current address. I have never received any notice of either action. I have no idea what this is concerning and my civil right to due process has been violated by this company and attorney.
Consumer complaint received 2017-03-05
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: JPMORGAN CHASE & CO. (IL)

I had a vehicle loan that was opened by a dealership on my behalf with Chase vehicle loans. I set up my account to automatically pay the bill every month through the Chase website from my Chase checking account. I paid this loan off early, this process closed my chase auto loan account and shut off access to it ( which makes sense you should n't need access to it ). My issue is that the automatic bill pay continued to draw the standard payment from my checking account after the account was closed. When I called Chase they informed me that I had to go into my account to cancel the automatic payments however since the account was closed I obviously could not do so. After an hour or so talking to various help desks they were able to cancel future payments to the closed account however the {$640.00} that they had drawn from my checking account was not returned. The Chase representative said it would take 20 business days to return the funds to my account. As Chase requires that their customers cancel recurring payments on accounts that they can not access and then bars customers access to their own funds, I believe that this would fall under the category of deceptive or unfair behavior.
Consumer complaint received 2016-02-29
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (MI)

01 XXXX XXXX XXXX Chase fail to submit my property to the Michigan XXXX Unclaimed Property Division XXXX under my name. The result is the the XXXX is unable ti identify the account they hold my property under or if they have it at all. As fiduciary it is J.P. Morgan Chase duty to ascertain my name is listed along side my property in XXXX website as Michigan law requires. The property is a result of investments called. The investments were registered to me but made through my ex-spouse XXXX XXXX account in the period of XXXX. They were called XX/XX/XXXX 
02. I would like for XXXX XXXX Chase to identify the XXXX account my property is being held under whereby I might file claim to such account. On the basis of deductive reasoning I judge XXXX account number XXXX having name as XXXX XXXX. I recently filed claim to such account. 
03. My name is XXXX XXXX XXXX XXXX plus my ex-spouse name is XXXX XXXX. My present day address is XXXX XXXX, XXXX, Michigan XXXX plus my telephone number is XXXX XXXX XXXX XXXX. My email address is XXXXXXXXXXXX.
Consumer complaint received 2017-03-06
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (FL)

We are in Foreclosure and trying to sell this home. We have a short sale and the first lien holder can not give us a short sale approval since there is a 2nd mortgage on the sellers title. After speaking with customer service for Chase Home Equity Mortgage XXXX, they stated that this file was no longer in their system, and that if I need a release of mortgage I would have to send written request for that release of mortgage. We have Fax a request to Chase Equity Research Department on XXXX XXXX, 2017 and again XXXX XXXX 2017 and have been unable to get anyone to respond since the Research department does not provide a phone number to JP Morgan Chase Home Equity Mortgage equity research department for a Washington Mutual WAMU Equity Plus Mortgage XXXX XXXX XXXX.
Consumer complaint received 2021-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2016-05-20
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO. (NY)

Chase Bank charged me {$68.00} for XXXX overdraft fees because XXXX withdrew money from the bank account minutes prior to the deadline in which a {$34.00} overdraft fee will be applied. Chase has a blackout period and will not notify me via email or app notification of an overdraft if it occurs overnight. Chase refuses to return at least half of the money taken.
Consumer complaint received 2016-03-04
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: Credit Karma (WA)

I recently signed up with " Credit Karma '' to get my " Free Credit Score ''. I was initially happy with what their service had to offer and was pleased to find that they make their money by recommending various loans and credit cards and are paid by those lenders as opposed to charging me a fee for their service. 
As it turns out, they said my credit score was " 614 '' ( very low ) and I then recieved multiple recommendations for loans and credit cards based on that very low score, all of which carried very high interest rates in the range of 23 % to 31 %. The low credit scores they showed that I had, made me reluctant to go to my local credit union for fear of them laughing me out of their office! But I prepared myself for a little embarrassment and went in anyway. Well, to my surprise they ( credit union ) said that my credit score was over XXXX points higher at XXXX and I was able to get a personal loan at only 7.99 %!!! So the bottom line is that since they ( Credit Karma ) get paid by the lenders for recommending a particular loan, it makes me wonder if they are fraudulently quoting lower credit scores to their customers to gain a better payout for themselves.
Consumer complaint received 2016-05-11
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: TRANSWORLD SYSTEMS INC (CA)

I do n't know what the calls are concerning as I do n't owe any debtors other than those debts that are active and payments current. I have repeatedly requested Transworld Systems, Inc/XXXX XXXX - XXXX XXXX to stop the phone calls to my employer. Since my first request on XXXX XXXX via fax to the Transworld they have repeatedly ignored my four ( 4 ) faxes to stop the phone calls and since the initial fax I have received over XXXX XXXX documented phone calls to my employer. It 's threatening my employment as my duties are to answer phone calls. I want the calls to stop and Transworld to provide written documentation of the debt. To date no correspondence has been forwarded to my mailing/home address to dispute the claim. I need assistance immediately to have the phone calls cease to keep my job.
Consumer complaint received 2017-01-27
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (RI)

Account for XXXX XXXX, XXXX, RI XXXX XXXX, I am writing on behalf of XXXX, my XXXX and myself and our struggles with her student loans that are serviced by Sallie Mae / XXXX. When we first signed up for these loans we did some of them through an agency called the XXXX, RI and later some directly with Sallie Mae. Our experience with all involved has been subpar and at times unprofessional from the people at the XXXX when we went back to ask for help and they said they only set them up and we just wanted answers on what the processes are, we being treated fairly and in the repayment process. I am a man of great integrity and I said I/we made the agreement ( s ) and will make the payments. We had and still struggle to help XXXX and in most cases are paying the bill with at more than a XXXX dollars per month and no real end in sight is bending us to say the least. At XXXX point we could not afford to pay them and placed them into forbearance a process I was never really comfortable with but had no real choice to keep other obligations in our life met. The forbearance process was foreign to us and we agreed to pay interest only never told that that was really like paying rent on the loans with zero net affect. At no time were we ever offered alternative payment plans or income based plans that our XXXX could afford in fact we were told they did not offer those programs to our XXXX. Now years later I read that they withheld plans that would have helped from us, to say the least this is disturbing and seemingly illegal at the very least. If a person opened a business and treated people like they have, they would have to answer to someone and more than likely be in jail. My last comment is that we are now and have been paying nearly eleven XXXX dollars a month and the principal goes down pennies on a dollar. I would welcome the opportunity to have more dialogue on these issues and can be reached at XXXX or XXXX. We are not looking for anything free we are just expecting to be treated to the same programs that had/have been apparently offered to others.
Consumer complaint received 2015-10-30
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: TRANSWORLD SYSTEMS INC (CA)

After first reviewing my credit report in XXXX of 2015, I noticed a " delinquent '' statement for TSI/XXXX. I was unsure of what it could be as I was never notified of any past due bills via mail, telephone, courier, etc. I had never known of any past due balances, let alone any past due balances to a company name TSI/XXXX. It was not until I investigated further with a credit report that it was in fact a medical provider " Shadow Emergency Physicians '' that claimed that I had a balance and they sent the balance to Transworld Systems Inc . Neither XXXX or Transworld Systems Inc. have EVER made contact with me or any attempts to collect debt ( to this day, XXXX XXXX, 2015 ). This claim has played an extremely negative effect on my credit score and, as a young adult, I require assistance in disputing and resolving this issue as promptly as possible.
Consumer complaint received 2017-10-13
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Alpha Recovery Corp (LA)

Received repeated phone calls from XXXX from XXXX XXXX. I spoke with a female representative told her I was unable to pay. After that I received a phone call almost every day. So I blocked that number. On XX/XX/2017 at XXXX XXXX from XXXX. A male called my phone, after confirming who I was I continued letting him know I had already spoken with someone. He told me just because I speak with someone does n't mean it goes away and because of me doctors don '' t get paid.
Consumer complaint received 2016-07-25
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: TRANSWORLD SYSTEMS INC (IL)

Transworld sent over several student loans to a collection law firm to collect on even though I never purchased or signed any paperwork with XXXX XXXX XXXX which I complained about to them twice. Per FDCPA, the owner of the debt must show proof that they own it before they demand any money for it. XXXX failed to send me the proof of ownership that I asked for but instead they decided to send it to a law firm where it could be sued on. I also spoke with XXXX XXXX XXXX and they acknowledged they had the loan before but none of the information was on the paperwork I received which is unacceptable. I never signed any paperwork or borrowed any money from XXXX XXXX XXXX either which they said to deal with XXXX XXXX XXXX because they no longer have the loans. I do see any ownership information from XXXX XXXX XXXX or XXXX XXXX XXXX, I received a promissory note that states XXXX XXXX XXXX and then letters from the law firm that states owner was XXXX XXXX XXXX but no explanation as to how they own this debt which is a requirement and I sent a letter asking for this information but I only received a promissory note and bills, nothing else and I asked for several issues to be resolved in the validation of debt that I sent to the law form on XXXX/XXXX/16. I did speak to a FDCPA attorney and was advised this debt is uncollectible without proof of ownership and no one can take legal action against me on this debt and it will need to be removed from my credit report. XXXX XXXX XXXX and Transworld are trying to commit fraud against me. I have the copies of all of the complaints I have against Transworld as proof. XXXX XXXX XXXX can not collect on this debt without ownership and that information must predated the day it was sent to the collections law firm.
Consumer complaint received 2015-09-25
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: LDF Holdings, LLC (MA)

I initially borrowed {$500.00} in XXXX 2015. To date, I have paid {$990.00}. I read the loan payments would be monthly, but they withdrew them every two weeks, which have left myself and my children short for rent, utility payments and food. This loan XXXX lacing my family at risk and I am requesting assistance with addressing this fraudulent matter. I was informed by my Financial Advisor, that Payday loans are illegal in Massachusetts. I 'm battling XXXX and need to be sure I can protect my children. Please help us.
Consumer complaint received 2016-03-07
Product: Debt collection — Medical
Issue: False statements or representation — Impersonated an attorney or official
Company: Renton Collections Inc. (WA)

After not announcing who the person was, I specifically asked if this was my doctor calling regarding my medical emergency I was having. The gentlemen said yes and collected my DOB and then proceeded to tell me he was from a debt collection agency! I explained I had to hang up the phone because I specifically left work to answer this call and i was waiting for a medical emergency phone call! He impersonated a medical professional and claimed to be calling from my doctors office regarding my medical situation. I was LIVID!! This was from Renton Collection in XXXX, WA
Consumer complaint received 2015-09-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (PA)

Over 10 years our grandson was in XXXX and a fraud caller ask us to accept collect call. The telephone number is no longers in service and was in my husband name. our new number is in my name and we get calls beginning @ XXXX and continuously all day from Enhanced Recovery Company , LLC with whom we do not any contract and never did business with them. I am XXXX years old and diagnosed with several health challenges and this harrassment cause me stress. please help!
Consumer complaint received 2016-12-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ERC (CA)

I am unaware when this debt occured. I contacted the company several time and even settled the debt with the XXXX party vendor whow stated it would clear from my account in 30-90days. It has been over a year. After numerous attempts of contacting the company, all I can think is that this is a scam or fraud. I have paid and have requested for it to be removed several times. I would like disclosure of verification of debt still owed.
Consumer complaint received 2016-06-08
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC (NE)

Received letter for easy loan, thru Big Picture Loans ... did online app and received phone call to verify shortly after. On call they advised me I would pay interest of XXXX on the XXXX dollar loan I was approved for, in which first payment would be on XX/XX/XXXX of XXXX. Now I am told the XXXX payment will be automatically withdrawn every 2 weeks for 58 payments totally almost XXXX!! I was never told of an interest rate being 780 % or I would have NEVER agreed! When I called to discuss the service rep was very rude. I do n't dispute the validity of the loan or the XXXX interest I was told, but no way will I pay 780 % interest on XXXX.
Consumer complaint received 2016-09-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (FL)

Today I called ERC, XXXX after I found a new collection for XXXX on my consumer credit reports. As usual they were not helpful but agreed to dispute the trade line and provided me with a complete account number for XXXX. I called XXXX and after more than an hour, found this was not my account, not my address and not my collection. They were not in the mood to help me get this rectified immediately so the wrong information is being reported and a credit collection agency is wrongly reporting incorrect information. I demanded an immediate correction to my credit report and ERC to drop the account. They are now knowingly reporting incorrect information.
Consumer complaint received 2023-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A states I have rights to my privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting can not furnish a account without my written instructions.
Consumer complaint received 2017-01-18
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: KEYCORP (NY)

Key Bank acquired my First Niagara credit card account in 2016. I never received a Key Bank credit card. I have not received a bill from Key by any method since the account was acquired. The only action I have received from KEY is from their collections department! I have paid them upon each of these calls since XX/XX/2016 without the benefit of any statement. I have addressed this issue with various Key Bank departments over the last few months to no avail. They are charging me XXXX late fee to boot!. I have tried numerous times to establish an on-line access but always ends up with a message that the process could not be completed " at this time ''. And I imagine they are reporting " late '' payments to credit bureau. Situation is intolerable.