davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-02-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ERC (OH)

Hello I found an open collection account listed on a recent Credit Report which i obtained using XXXX and XXXX XXXX. I attempted to research the company, Enhanced Recovery ( ERC ) using XXXX. I found that this company does not have a website, which raised my eyebrows about the legitimacy of this collection. I called the original creditor ( XXXX XXXX XXXX ) to find out more. XXXX XXXX has NO RECORD of my name or social security number in their system. They told me to try to find a number for the Collection agency so I called the number on my report. The person who spoke with me did not inform me that I could dispute this debt, that I had any right what so ever to challenge the facts of the debt. I asked for him to send me a letter to verify the facts of the debt. They ended up sending me a " summary of the payment agreement. '' I can assure you I did not agree to pay them anything, especially when I had no information about why they had this debt and did not share with me my rights. Then they somehow assumed I had agreed to pay them in full without those words ever coming from my mouth. 
I Believe this is deceptive and illegal and furthermore, an immoral practice, especially coming from a company that is doing its best to hide their identity by not having a website or any contact information readily available to the public.
Consumer complaint received 2021-08-04
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. (MI)

I submitted court documentation signed by a judge in the state of Michigan for over 2 years now. I have submitted disputes for over 2 years however, the information is never properly updated nor is it removed. 

The legal court document states that the company requested a dismissal in a judgement against me and the courts granted the dismissal. However, the account information is still being negatively reported on my account when I do not owe any money to the company.
Consumer complaint received 2015-05-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: RICHLAND HOLDINGS, INC. (NV)

Never received a letter or called from this collection company. this collection company is breaking federal trade and fair credit reporting.I asked for consumer protection agency to look into this company practices with reporting accounts on credit reports without proof. this is a fraudulent account place on my credit report causing sever damage to my credit ration causing a decrease in my credit card from XXXX XXXX. I was called and notify that a collections was on my credit report and we have lower your credit balance from XXXX to XXXX dollars. Know collection company should be able to just add a debt on anyone credit report when its fraudulent account
Consumer complaint received 2022-10-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP (IL)

Received letter from US Bank dated XX/XX/22, but of course it did not arrive until about one week later. 

Letter is attached, stating " Please be advised that we have elected to close your deposit account with us. '' Local branch is still open and has no clue. Normal deposits and they see nothing out of ordinary. 

US Bank has given a mere 10 days from date of letter, this is way to short and under time pressure to change autopays and deposits. I notified social security today and that can not update until XXXX payment, so appears my XXXX Social Security payment for my wife and I will bounce back and have some follow up to do on this. In addition, lucky for us our tax refunds posted, or bigger issue to have those bounced by US bank. 

Pretty poor notice and NO REASON. I feel there is discrimination of some kind as well as possible corporate abuse for closing accounts with poor notification timing to give customer time to change banks. Luckily we have another one to map over accounts, but even more pain if did not have another bank. These banks really have to be more conscious of consumers instead of their abusive language and unilateral terms to do whatever they want cause their terms say they can. 

I have attached most recent history for review. 

I am really concerned as no reason given in letter and local branch has no clue. It appears coming from corporate cost cutters- and super short notice which can cause many consumer major headaches for a Bank 's apparent unilateral terms without cause.
Consumer complaint received 2015-07-16
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: JPMORGAN CHASE & CO. (FL)

This complaint is a follow-up to Case number : XXXX. 
I just received a collection letter again from Chase bank XXXX XXXX, 2015. Apparently, nothing has been resolved. Again, I state the entity responsible for the {$1200.00} in question is the merchant whereby, the merchant lied on their rebuttal to XXXX committing bank fraud, allowing them to retain {$1200.00}. They do not deserve. I request that the CFPB reopen this case and take stronger action at this point Chase bank is ignoring you, and me. ( See attached. Supporting documentation ).
Consumer complaint received 2015-11-03
Product: Consumer Loan — Title loan
Issue: Charged fees or interest I didn't expect — 
Company: Westlake Services, LLC (FL)

I bought a truck advertised at {$6400.00} on XX/XX/2015. I gave a {$1500.00} down payment which left a balance of {$4900.00}. I received the loan payments breakdown of {$350.00} per month for 37 months. That is a total of {$12000.00} plus the initial {$1500.00} deposit. So I am financing {$4900.00} to pay back {$12000.00}? Furthermore, I did not get to drive the truck until the A/C was repaired as advertised. The car is not street legal as there are broken taillights which they promised to repair and the tag lights are also inoperable. I did not receive the truck until XX/XX/2015 with the paperwork of my financing. When I told them that I did not want the truck because this was not the advertised price, they said that I would lose the deposit and I already signed all the documentation. So then, Westlake Financial called me to ask for pay stubs. I asked them if I did not cooperate, would I still get approved for the loan. They said no. Good. Now I can get my money back.Right? Wrong! I have been lied to by every single person employed at XXXX and would like to purchase the truck at the advertised price of {$6400.00}, or return my down payment. Furthermore, they asked me to lie to the finance company -- by telling me what to say to them when they ask me questions. I am suppose to meet with the Sales Manager today and am extremely nervous about the outcome.
Consumer complaint received 2015-11-25
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (LA)

Chase wrongfully closed my checking and savings account due to " unusual activity. '' I deposited XXXX checks that I believe may be the reason they closed my accounts. The XXXX checks were : ( 1 ) {$1900.00} issued upon cancelling my insurance from XXXX XXXX XXXX XXXX, and ( 2 ) a {$6900.00} cashier 's check from XXXX Bank as payment for consulting work I did for a contractor installing medical equipment. XXXX checks should be valid. My statements showed the checks were cashed on XXXX XXXX 2015. A letter from Chase, dated XXXX XXXX 2015, instructed that my accounts would be closed because of either unusual activity or because Chase had not received certain information from me. The letter instructs that they will verify all deposits and payments and then take another 10 days to issue my funds back to me. 

I am a retiree and need those funds. I did not find out about the closure until I went into a branch and the teller informed me. 

I tried calling the number provided in the Chase letter, XXXX, but they kept forwarding me and putting me on hold until I gave up. I made several attempts. I consulted with a legal assistance attorney at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXXXXXXXXXX XXXX who called the same number for me. But Chase refused to speak with him or I because I consulted with an attorney. Chase refused to provide him with their written policy. 

I do not have the contact information for the contractor who hired me and who gave me the cashier 's check. 

My statements, the letter, and the checks will be attached. Thank you.
Consumer complaint received 2016-07-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Nelnet, Inc. (MD)

I started a year of XXXX through XXXX XXXX in XXXX of 2015. Through this, my loans were supposed to be in deferment, but this did not happen until many months after I had submitted the proper forms. Now, my credit score has been lowered to an unmanageable point that 's affecting my ability to get loans, adequate housing, and financial stability. The Nelnet collections say that I was receiving negative marks on my credit because of non-payment, but as a member of XXXX this should n't be the case.
Consumer complaint received 2016-06-16
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (NJ)

As a customer of JP Morgan Chase Bank, I have an existing checking account that is in active status. I opened the account with my foreign passport in 2007. 
I was trying to open another account with my US driver 's license and my SSN info. I was rejected by the branch banker. The banker required my passport according to Chase internal policies based on " Know your customer '' regulations. 
I asked what 's the exact term in " Know your customer '' regulation is this internal policy based on, the banker was not able to provide this information. Later she escalated this case to Chase compliance office. 
I received calls from the compliance offer later the same day, the representative called me was not able to provide the name of the law or regulation that this internal policy is based on. Later I received calls and letters from Chase executive office with the same response. 
The only information I have received so far is Deposit Account Agreement ( DAA ), in which states " For a personal account : your name ; residential address ; date of birth ; and Social Security Number, driver 's license of other identifying documents. '' My request : I would like Chase Bank to disclose what 's the name and the exact term of the regulation or law that requires Chase to check passport ( given that I provided the same info years ago ). 
I would like Chase Bank to revise DAA to make it explicit what are " other documents '' and under what circumstances should such documents be required. Also the language is ambiguous because " or other documents '' implies identities before " or '' are sufficient and " other documents '' are only required when all these identities are not provided by customer.
Consumer complaint received 2021-01-18
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: U.S. BANCORP (OR)

Us bank reliacard is holding my money. I have submitted a valid photo ID, both sides. A selfie as well. Met all requirements for identification verification! Yet I still have XXXX thousand+ dollars sitting on a card that they will not let me use for god knows what reason? This is complete XXXX we are in the middle of a pandemic and i have been out of work for months and months. Every bill i have is behind and last but very much so, not least! My child went to his grandma 's in XXXX XXXX XXXX, he's XXXX, and I have no way to get to him. Literally stuck away from my child because I cant use my card to buy a ticket or get gas to go to him there has to be an emergency procedure for times of national emergency procedure for during times like these. People are suffering. It shouldn't be too much to ask for access to my own money seriously something has to be able to be done about this and quicker than it is because americans are being held down by US companies when americans are already dealing with enough. Go ahead and ask them how many people can't use their money at this time because of the social security office and XXXX scheduling months out
Consumer complaint received 2016-10-14
Product: Credit card — 
Issue: Other — 
Company: DISCOVER BANK (CA)

I XXXX DISPUTED AN ACCOUNT WITH DISCOVER THAT WAS ON MY CREDIT REPORT. I FIRST LEARNED ABOUT THE MATTER WHEN I RECEIVED A LETTER FROM AN ATTORNEY 'S OFFICE THREATENING ME WITH A LAWSUIT XXXX ATTORNEY IN XXXX, WA. THEY CLAIMED I OWNED {$7200.00}. I SENT OUT A GOOD FAITH LETTER ( ATTACHED YOU WILL FIND ONE OF THE MANY LETTERS I SENT OUT ) ASKING THEM THAT I AM DISPUTING THE MATTER AND CONTINUOUSLY RECEIVED NONSENSE INFORMATION NOTHING BARING MY SIGNATURE OR INDICATING ON MY CREDIT THE MATTER IS IN DISPUTE INWITH IN THE 30 DAY MARK OF RECIEPT OF MY LETTER. I HAVE MAILED OUT FOLLOW UP LETTERS IN GOOD FAITH INDICATING I HAVE NOT RECEIVED ANY INFORMATION BEARING MY SIGNATURE ON AN AGREEMENT WITH DISCOVER CARD. THEY HAVE VIOLATED FAIR DEBT COLLECTION PRACTICES ACT AND PER FDCPA SECTION 807 FALSE AND MISLEADING REPRESENTATION ( 15 USC 1962e ) I HAVE ASKED THEM NUMEROUS TIMES TO SUMBIT THE INFORMATION OF PEOPLE WHO CLAIM THEY HAVE VERIFIED MY ACCOUNT WITHOUT SENDING ANY PROOF OF BEARING SIGNATURE. THEY ARE CONTINUOUSLY HARASSING ME WITH LEGAL ACTION. PLEASE HELP ME RESOLVE THIS MATTER THEY HAVE VIOLATED THE LAW BY NOT REPORTING ACCURATELY THE ACCOUNT AS DISPUTED WHEN THE FIRST LETTER WAS RECEIVED AS A FORMAL DISPUTE AND HAVE NOT PROVIDED ANY PROOF OF SIGNATURE OF MY AGREEMENT WITH DISCOVER CARD. PLEASE HELP ME I AM SEEKING THEY OMIT THIS BAD DEBT OFF THEIR RECORDS AND OFF MY CREDIT BUREAUS.
Consumer complaint received 2015-07-25
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued where didn't live/sign for debt
Company: DISCOVER BANK (CA)

I am being sued by Discover Financial Services in the state of XXXX. The debt I created with Discover Financial Services was created in the state of XXXX. I did not sign for the debt in the state of XXXX. Why am I being sued in the state of XXXX? 

Also, I received a letter from XXXX XXXX , Executive Office of Customer Advocacy for Discover, dated XXXX XXXX, 2015. This letter was pertaining to an investigation that discover performed concerning my previous CFPB complaint. She stated that XXXX XXXX group reported that there were XXXX repayment options offered to me which I declined. This was a false statement made by XXXX XXXX XXXX. I was offered only XXXX payment option which was a 60 % reduction of the balance in a XXXX lump payment or XXXX monthly installments. I declined the offer because I thought the debt had passed the statue of limitations to be sued on in the state of XXXX. So, I decided to make a complaint to the CFPB for relief of this debt. Additionally, the XXXX XXXX XXXX stated to XXXX that I declined another offer of a XXXX year repayment plan. The law group never made an offer of a XXXX year repayment plan to me. This is false. When I spoke to XXXX XXXX, a lawyer at XXXX XXXX XXXX, I told him that they never mentioned more than XXXX option of repayment to me ; however, if there is another option for me, I would prefer a 60 % reduction of the balance with a first payment of {$3100.00} and the remainder to be divided into XXXX monthly installments of {$260.00}. XXXX agreed that this was a doable arrangement ; however, I did not hear from him anymore on the matter. I faxed him a copy of XXXX XXXX ' letter for his records. 

I received a letter from XXXX XXXX XXXX dated XXXX XXXX, 2015 stating that they have verified my debt with Discover and it is their intention to continue with collection activity. I was instructed to consult an attorney if I have any questions about my liabilities. 

I have made two attempts to make a financial arrangement to settle this debt ( my XXXX offer was a lump sum of {$3000.00} dollars ) and XXXX XXXX XXXX does not appear to be willing to settle this debt in a civilized manner. I am trying to avoid payroll garnishments and unauthorized withdrawals from my bank account. As a consumer, what can I do to protect my assets when I have tried to make repayment arrangements?
Consumer complaint received 2016-06-27
Product: Credit card — 
Issue: Credit determination — 
Company: DISCOVER BANK (FL)

I 've been a customer for 2 years with the company, never had a complaint until today. I just finished talking with the executive office because an inquiry that I did this weekend about a credit card application that I submitted last week. That application was denied, and I call just to know why. I do work in banking as well, and I do care about my credit, because since I 'm not a millionaire I depend on it for anything. I 'm currently working and XXXX both since I need to progress myself. 

Well, the main reason I 'm writing to you today is because I think there is something that Discover should consider in changing or adjusting or do something. When I was doing my application on the second tab ( please see attachment ) It says clearly that if you work and study, 'you select student '. That was basically the key to the point in this complaint. As per your company ' policies students are only allowed to have XXXX account, and nonstudents XXXX, but going back when you apply and you 're doing both you must choose 'Student '. 

Basically, what I did was a waste of my time and a hole on my credit bureau, because the policies of Discover discriminate students. And plus that, I 'm not only a XXXX, I 'm doing both, which should be considered all the way around. I have called several times to the executive office, they just do not care, and there is no way to go futher and let the real executives the dedication of this problem. 

Well, my humble advice, a bank which a lot of his customer base are students, should not treat students so lightly, so XXXX, explain better in the application tab ( if doing both, instead of choosing 'student ', chose 'working ' ).
Consumer complaint received 2015-06-05
Product: Credit card — 
Issue: Rewards — 
Company: DISCOVER BANK (IL)

Discover has an offer where you refer a friend and they give you a {$50.00} reward if the friend sings up. I referred a friend who got accepted but i never received the reward. On contacting the customer service i was told there was some error in the prior statement as i had received XXXX rewards which was then deducted from my current statement rewards without specifying it in the statement. On further questioning, they did failed to show me how much of error was present my previous statement.
Consumer complaint received 2017-02-15
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: DISCOVER BANK (OK)

My former name was XXXX XXXX XXXX. I changed my name to XXXX XXXX XXXX XXXX since I changed my name, my credit scores is not correct, its too low before it was excellent. 
Now I send to you with my attach officially name change document.
Consumer complaint received 2016-05-09
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A. (CA)

Citimortgage recently sold the servicing rights to my mortgage loan to XXXX XXXX XXXX effective XXXX/XXXX/16. I called both entities on XXXX/XXXX/16 trying to obtain a payoff demand because I 'm refinancing my mortgage and the new loan is about to fund. Citimortgage was not able to provide me with a payoff because they claim they do n't even have my loan info on their system anymore. XXXX XXXX claims my loan info is not uploaded onto their system yet. XXXX XXXX said it will take at least XXXX business days following the official transfer date of XXXX/XXXX/16 for my loan info to reflect on their system. Due to their transitional mistake a customer ca n't even obtain a payoff during the transfer. Please help.
Consumer complaint received 2015-05-18
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Capio Partners, LLC (NY)

The following agency, Capio Partners LLC, filed a derogatory record on my credit report, but i did not receive any notification with a right to dispute. When asked about, a representative informed me that no communication letter was sent out. I had no idea this was on my credit report. 

Note : I did pay the debt with my CC because I was buying a car and wanted the record off my report. I was told that the record would be removed, but XXXX confirms it stays on for 7-years. 

I want to make this complaint because I feel I should have been given notice with at least 30-days to dispute the claim. I should not have paid the claim as it was a XXXX case from XXXX of 2010. XXXX paid for my XXXX service, but the hospital, XXXX XXXX XXXX XXXX, in XXXX, PA has been harassing me for more money. 

I was advised by XXXX that I should not pay the false claim and that I should continue to dispute it to avoid records on my credit report, but this collection agency did not give me a chance to dispute the claim. I have never had a bad record on my credit report and this hurt my overall score.
Consumer complaint received 2016-12-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: First Data Corporation (NJ)

XXXX is trying to collect on a debt that was previously being collected on by TRS. I submitted a police report and FTC Affidavit to TRS before they submitted this out to this other collection company
Consumer complaint received 2016-05-11
Product: Credit card — 
Issue: Billing disputes — 
Company: BARCLAYS BANK DELAWARE (NC)

I have been attempting to dispute a transaction -- which has since been accruing interest -- since XXXX regarding a XXXX online subscription that I initiated and then cancelled. The XXXX says that it is settled from their end, and that the only reason I could still be being charged is due to a failure on part of my card company. They will not respond to my messages ; every time I try to call their line is " busy '' or they are " not open '' ( even from XXXX ). I cut this card up months ago. I do not use it. And I do not want to pay this interest over a {$5.00} charge I never made months ago. I do n't know what to do.
Consumer complaint received 2016-09-29
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: ALLY FINANCIAL INC. (MD)

In the XX/XX/XXXX-XX/XX/XXXX time frame I had a mortgage serviced by a subsidiary of ALLY Financial Inc . The subsidiary illegally filed a foreclosure action after mishandling my mortgage modification request and application. The subsidiary subsequently filed for Chapter XXXX Bankruptcy. I request my concerns be addressed by the parent company Ally Financial. 
The problems with the subsidiary GMAC Mortgage/XXXX XXXX. 

I request that the irregularities with misuse of Allonges, Robo signing, disregard for due process in the handling of jurisdictional requirements in the foreclosure process and a lack of standing by Ally Financial 's subsidiary be addressed and resolved by Ally Financial.