davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-11-06
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO. (FL)

I have a chase account which is being charged {$35.00} a day, I am in the minus today XXXX/XXXX/15 over XXXX XXXX dollars. My account number is XXXX, I have been a customer for just three months. I am really concerned about this, I read all of the information and the lawsuits with this bank. I would appreciate customer service calling me and waiving these fees! I would love to stay a customer with this bank and I would make sure not to use it on a daily basis. What is the protocol with my overdraft protection, what rights do I have?
Consumer complaint received 2016-03-17
Product: Credit card — 
Issue: Billing disputes — 
Company: TD BANK US HOLDING COMPANY (MA)

Target credit card change my billing to electronic from paper bills without my permission. Received a late notice for {$70.00} bill I did not received. Called them to find out what had occurred, CSR was rude could not tell me where my bill was being sent and would not reverse late charge. The larger issue here is my credit score ; I have never made a late payment to Target or anyone else! They have caused a massive data breech recently I would expect them to be more helpful.
Consumer complaint received 2016-01-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

Case # XXXX - continued I did not find a place on the original complaint to add more information. Today I received a package of the same XXXX that BOA posted on this site. The letter still does not tell me why I do not qualify for a HARP. It states that " the mortgage loan account is not eligible for the HARP due to program guidelines due to the previously implemented loan modification. '' On the XXXX website there is a quiz with the following questions : 1. My loan closed on or before XXXX XXXX, XXXX? 
My Answer : Loan closed XXXX XXXX, XXXX. The XXXX website says that based on this date, I am eligible. 
2. I have little or no equity in my home? 
( My Loan-to-Value ( LTV ) is greater than 80 % ) My Answer : Yes. 
3. I have had a good payment history on my mortgage for the past 12 months? 
My Answer : Current since XXXX XXXX ( 4 years ) 4. This is my first time refinancing with HARP? 
My Answer : Yes Link to site : XXXX The BOA website lists the HARP requirements as follows : " You may be eligible to refinance your home loan under the Home Affordable Refinance program ( HARP ), if : 1. Your home loan is owned by XXXX or XXXX XXXX My Answer : XXXX 2. Your loan was sold to XXXX or XXXX XXXX on or before XXXX XXXX, XXXX My Answer : XXXX XXXX XXXX XXXX, XXXX XXXX 3. You 're current on your mortgage payments My Answer : Current since XXXX XXXX 4. Within the past twelve months, you 've been more than 30 days late with your payment only once. 
My Answer : Current since XXXX XXXX XXXX. Within the six months immediately before you apply for your refinance, you 've not been 30 days or more late with your payment My Answer : Current since XXXX XXXX Here is a link to the site XXXX I again ask the following : 1. Where does it say that I do not qualify based on the guidelines listed on XXXX the websites of BOA and XXXX? 
2. Please tell me what those guidelines are, in writing. 
3. Why were we steered in subprime mortgages with credit scores in the outstanding range and a {$10000.00} down payment? Is n't this fraud? 
4. Am I being denied a loan refinance because I am XXXX? 
There are no guidelines that I can find which state the reasons why I am not eligible to refinance under HARP. No where does it state that " if I had a modification granted, I become ineligible for a HARP. '' If there is documentation stating the aforementioned quote, please provide it to me. My original modification was not a HAMP, but a bank proprietary modification. Based on the HARP guidelines listed on both BOA and XXXX websites, I am eligible. Please provide me with the answers to the above questions in writing. I am a responsible hard working tax payer and I am not giving up on this until I get truthful and legitimate answers to my questions in writing. If BOA is telling the truth, why is it so hard for BOA to put the reasons for my disqualification in writing?
Consumer complaint received 2016-01-09
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I endorsed my paycheck with signature and account number, I also added my bank mail address to front of check. Then I asked my wife to deposit my paycheck into my Bank of America account. The bank teller gave my wife a difficult time about accepting the deposit and told her she should have taken the check to an ATM, then they demanded ID and other items for her. She was only acting as my courier. Finally they accepted my paycheck but deposited into the wrong account, a joint account I have with my wife. 
This is not the first time this has happened. I called the bank and complained vigorously that evening. The following day my wife went to the bank and demanded they fix the mistake On other occasions, the teller has instructed my wife that if she were to deposit checks written to me into her joint account, she could then draw the money out or have access to the money. My wife and I have an excellent relationship and we keep our finances separated to help with that.
Consumer complaint received 2015-07-16
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (OH)

I have been having a difficult time paying the mortgage for some time now. I have asked for a modification twice and both times have been denied. I have tried calling a customer care associate several times and they are never of any help. They either do not return phone calls or are not able/willing to offer any feasible solution. My house is now going into foreclosure and I feel that someone within the company should have been more willing to help. It seems as if they are just out to make money from my struggles.
Consumer complaint received 2015-06-01
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TENET HEALTHCARE CORPORATION (FL)

I was advised by the Internal Revenue Service that my social security number and other confidential information were compromised. Sometime in XX/XX/XXXX to XX/XX/XXXX my personal details were stolen and have been used up to XXXX XXXX when a security alert had been placed on my credit files. These fraudulent accounts range from medical ; utility accounts and credit card accounts and must be deleted from my history. I forward the details of these accounts in question and a copy of the Identity Theft Affidavit and I have had no response from XXXX the credit bureaus and the creditor/collections agent.
Consumer complaint received 2015-12-26
Product: Credit card — 
Issue: Rewards — 
Company: U.S. BANCORP (PA)

I got the XXXX XXXX US Bank Credit card a couple years ago. Within the last year, the benefits for the card have been removed. I have paid the annual fee to receive these benefits. Specifically, there is a benefit to receive a free night with a points booking after paying the annual fee, and this has been taken away. XXXX XXXX is not living up to their end of the bargain, as I have paid the annual fee and am not getting any of the benefits. 

Here are some of the notes listed on their website : " Enjoy all of these benefits for {$75.00} Annual Fee " and the Bonus nights are listed as a benefit for paying the annual fee, hence, Bonus nights are a benefit of the annual fee I am paying. 

The language included in the agreement I signed up for states that I get the 2nd free night after paying the {$75.00} fee. US Bank/XXXX XXXX is not living up to their own terms & conditions. 

Please let me know any appropriate follow-up with CFPB or XXXX XXXX.
Consumer complaint received 2016-03-18
Product: Credit card — 
Issue: Balance transfer — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I made a payment of {$950.00} in XXXX XXXX and realized that I did not have funds in my bank account. I called Bank of America to cancel the payment where I was informed they would give me a refund of {$950.00} on XXXX XXXX, XXXX. Bank of America incorrectly categorized this refund as a purchase made on the card and subsequently charged me interest for the next consecutive 3-4 months because of the way payments are applied. Spoke with three different managers and three different representatives each month and they all made notes in my account detailing that I should not be charged interest because it was a bank error. The last manager noted that the {$950.00} was going to be lumped into the balance transfer promotion and this problem would go away. After 3 months, the problem remains and I keep getting charged interest. I paid the promotional balance in full that ended on XXXX XXXX, XXXX.
Consumer complaint received 2016-02-13
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

About two and half years ago I purchased a copy of my credit report and had noticed there were addresses and some credit card accounts that was not mine, among these account XXXX them was with bank of America. I had immediately contacted the credit bureaus and had notified them about my identity was stolen .Also same time I did a police report and ftc report and contacted every XXXX of those account that was showing up in my credit report that did not belong to me and explain to them about my identity was stolen and all of them took care of the account that was opened under my name but having problem with Bank of America that been giving me the run around for the past two and half years. I had send them the following letter certified mail more than ten times, Dear Sirs or madams : An account from your company is appearing on my credit report. I am not aware of having any account with your company. I request that you investigate this matter and provide me with the following : A legible copy of the original signed agreement for this account, which should show my personal information, as well as my signature. 
Any other documentation that verifies the account is mine. 
If you can not or will not provide me this information, then I formally request you send me a letter stating that this account does not belong to me and that it will be removed from my credit reports. Until this matter is cleared up, I firmly request that you stop reporting this account altogether. Please give this matter your prompt attention. I had disputed this account with credit bureaus and bank of America and nothing happened so far. bank of America has not responded to me. at this time I need your help to get my problem resolved with bank of America.
Consumer complaint received 2016-03-17
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: AMERICAN EXPRESS COMPANY (KY)

I used my American express card on XX/XX/XXXX took out XXXX there where XXXX more transactions back to back for the exact same amount within seconds of each other I would n't have even had time to put my info in again to with draw the money then the same thing happened on XX/XX/XXXX I took another XXXX and there are XXXX more transactions taken out just like the other one so some how it was doubled on my transactions and the fee at the atm was charged every time just like I put my card back through the other times which I did n't American express took less than a week and denied my claim knowing when I called and reported it the guy on the other end that took the report even said there was no way I could have done the transactions they where to close together there was also a charge to XXXX XXXX cable company for XXXX I do n't even have a XXXX XXXX account I did n't authorize it like I said I do n't even have a account with them when I contacted XXXX XXXX they told me since I do n't have a account that I have to dispute it through my credit card company and when I turned it in on the credit card company they are saying I have to turn it in to XXXX XXXX neither one are doing anything to help me what so ever the money that was taken out of my account is my tax money I am a single mom with XXXX kids I do n't have the extra money I am so upset at how easy it was for someone to take money from my account and neither business to do anything to help both companies where rude and completely unhelpful, my credit card company would n't even contact XXXX XXXX to see what account my money was used on and when I tried to contact XXXX XXXX to get that information myself they told me they were n't able to hand that information out that I need to file it through my credit card company so both are just giving me the run around and doing nothing to help me
Consumer complaint received 2015-12-23
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (MI)

Midland Credit Management is constantly calling my phone about a debt that I DO NOT OWE!!! I just want them to stop calling me. I once asked about the debt and they WOULD NOT tell me what the debt is or was.
Consumer complaint received 2015-06-01
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: ENCORE CAPITAL GROUP INC. (MO)

Constant calls at work even after they were told this is my work number and I am not allowed personal calls. told them they are only to contact me at my home number. Calls seem to be comming from XXXX as they all have an XXXX accent and are hard to understand. Ready to file a suit against them. Same company but different numbers when they call.
Consumer complaint received 2016-02-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America informed me that my mortgage is not being serviced by Bank of America. This is after Bank of America told me I will have one point of contact. Bank of America told me that my mortgage will be handled by XXXX, XXXX. I 'm in the process of modifying my mortgage and do n't what do to do or who to call. Please help.
Consumer complaint received 2015-11-09
Product: Payday loan — 
Issue: Can't contact lender — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (OH)

I took out a payday loan ace cash advance and they said I could make payments when the due date came I tried to make a payment and they said I had to pay in full or they will take the whole amount. I had to close my account due to this and since it happened over 2 years ago and since then I have filed and discharged bankruptcy they are still continuing to harass family members and threaten with legalities about 9 months ago my attorney did call and leave a message with them stating this information and they are still doing this
Consumer complaint received 2024-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

XXXX XXXX has inaccurately reported information about my account to credit bureaus, causing harm to my credit report. The account, which I believe was prepaid at inception under the applicable laws and accounting standards, reflects an unpaid balance instead of being marked as settled. 

On XX/XX/XXXX, the account was opened, and the balance was prepaid pursuant to Public Law 73-10 ( HJR-192 ) and confirmed under Statement of Financial Accounting Standards No. 95 ( FAS95 ). According to FAS95, credits to demand deposit accounts represent cash transactions. This means the balance was fully satisfied when the account was established. 

Despite this, XXXX XXXX reported a negative balance, which appeared on my credit report on XX/XX/XXXX. This reporting is inaccurate and misleading. I sent a formal notice to XXXX XXXX on nunc pro tunc requesting that they correct the reporting and provide documentation validating any remaining balance, but they failed to respond appropriately. 

Additionally, pursuant to 15 U.S. Code 1666d ( Treatment of Credit Balances ), any overpayment or credit balance should be refunded promptly. XXXX XXXX has not issued a refund for the credit balance resulting from the prepayment of the account. 

I request that XXXX XXXX : Correct the inaccurate information on my credit report to reflect that the account is prepaid and settled. 

Issue a refund of the credit balance in compliance with federal law. 
This situation has negatively impacted my creditworthiness, and I am seeking immediate resolution to rectify the inaccuracies and secure the refund owed to me.
Consumer complaint received 2024-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

On XX/XX/XXXX, I was notified that XXXX different creditors had run my credit. I have since received tons of mail from people saying they ran my credit and I could not get an auto loan. The problem is that I NEVER requested nor authorized any of these companies to review my credit or give me an auto loan. 

These are the companies that requested my credit : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX None of them were authorized to run my credit, and they won't help me over the phone. Now, my credit score has tanked by XXXX points because of multiple hard inquiries that I never made. I am not sure if this is a case of identity theft, as I did have a lot going on with family and in the process of moving, but either way, I find their lack of help astounding.
Consumer complaint received 2015-03-23
Product: Credit card — 
Issue: Other — 
Company: DISCOVER BANK (MD)

I attempted to apply for a Discover Card Online. The system did a hard credit pull and then disconnected me from the application process. I called in and was told that another hard pull would need to be done to complete the application. I never agreed to any hard credit pulls in the process and called and advised them of that.
Consumer complaint received 2015-07-15
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I 'm trying to keep my existing home and I am currently requesting a home loan modification from Bank Of America. The house is currently worth about {$120000.00} less than what I paid for it back in XXXX. My wife and I went through a financial hardship from XXXX thru XXXX, lost of employment and a dramatic decrease in income. After having a forensic loan audit review done on my original loan documents, the findings were alarming, to say the least. To start, the income stated on the application was falsified, location of closing was also incorrect, there 's to much innacurate information to include on this complaint. I currently have been employed for the last XXXX + years in the same job industry, they keep denying my loan modification claiming, I do n't qualify based on the guidelines of their existing modification programs. I should have never been approved to buy this house to begin with, but because of the falsified information included on the original loan application, THAT WAS NOT PROVIDED BY ME, they were able to approve my loan. This also has caused unwanted stress, ruined my credit history, damage to my reputation, and uncertanty to my family. All I want is for the loan to be adjusted to current market value so I can continue making my payments. I almost forgot to mention that they refuse to accept my monthly payment. My current income is more than enough to qualify for this payment.
Consumer complaint received 2015-09-16
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (WA)

The online credit report at XXXX states " XXXX steps to your free credit reports ''. Its is not true, these steps dont work and havent worked for over a year as far as I can tell. After you fill in all the info about yourself they tell you that you must write them. When you write them they tell you some information is missing and you do n't get your free credit report. Why do they falsely tell you its an online credit reporting system when it is not. I got an alert regarding my credit and dont think I have time to wait for all this unnecessary delay. Its obvious, they want to stop doing this by putting these roadblocks in front of people. When is something going to be done about these crooks? I know that Im not the only one this is happening to.
Consumer complaint received 2015-12-22
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Debt Management Holdings LLC (WA)

I just got a phone call from " Credit Judgements '' saying I 'm in default for a payday loan I took out in 2012 from the XXXX XXXX XXXX. 
I have taken out a payday loan in the past, but I 'm pretty sure that it was paid. 
I explained to them that I have never gotten anything in the mail and I asked them to send me information so I could research the validity of this claim. They refused to send me information and that I could take care of it with a credit/debit card or if I did n't do that, I would have to wait for a court summons and get an attorney if I wanted to fight it. 
Again, I asked for proof of debt to be emailed or mailed to me and they would not send it. 

Company name & address : Credit Judgments XXXX XXXX XXXX XXXX, NY XXXX Contact : XXXX
Consumer complaint received 2016-02-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (AZ)

Original Creditor XXXX, XXXX XXXX XXXX, XXXX, GA, XXXX Filed judgment Case # XXXX XXXX XXXX XXXX XXXX XXXX, the judgment was paid in full for the amount of {$2700.00} and I have a copy of the judgment being satisfied dated XXXX/XXXX/2014 from the creditor and the court. After the judgment was satisfied the account was also turned to a collection agency National Credit Systems , Inc., XXXX XXXX XXXX, XXXX, GA, XXXX for the EXACT SAME ACCOUNT, EXACT SAME ACCOUNT NUMBER THAT I HAVE ALREADY PAID AND SATISIFED IN THE XXXX XXXX COURT. They continue to call and harass me ( which I have blocked their number ) they refuse to listen when I have tried to talk to them and they are violating collection law and my rights by continuing to try and collect on a debt that 's been satisfied. They are also duplicate reporting the debt on my credit records as a collection that I owe. I would sue if I could but would not know where to start.
Consumer complaint received 2015-07-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

When I ordered my credit report history in XX/XX/XXXX, I noticed a delinquent account that I have never had opened. So I contacted the XXXX company and they did a investigation and found out it is a fraudulent issue. So they said they will close the account and report it to credit bureau. Well XX/XX/XXXX comes around and I wanted to buy a house and XXXX is still on my credit history. I did receive this letter that i attached. I would like it, if someone could possibility of removing this from my credit history. It is becoming a nightmare.