davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-06-04
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: FC HoldCo LLC (AZ)

We have an auto loan with Credit Flagship Acceptance. The rate is very high. Our credit is not great, but they approved us for the loan. Our payments were on time for about 2 years now. We applied for refinancing through their sister company, carfinance.com and were not approved for an auto loan refinance. If the parent company accepted us, I do not think it is fair their sister company denied us just so they may keep collecting on a higher, unfair interest rate.
Consumer complaint received 2016-09-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

In XXXX of 2014 I was provided a trial payment of 3 months in which I did pay the 3 months. At the end of the XXXX month I was never provided with the final modification to fulfill the terms. I then resubmitted for another loan modification as I was told by an SPS representative that I do qualify for the HAMP program and provided all required documents on time and was then denied. I still have never received a clear answer as to why my trial modification was never finalized and am now facing another upcoming foreclosure sale due to this matter. I also am not receiving any responses to my written or oral requests.
Consumer complaint received 2023-07-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: AMERICAN EXPRESS COMPANY (MI)

XX/XX/XXXX XXXX AMEX credit card balance of {$2300.00} with XXXX XXXX XXXX check # XXXX ( XXXX Routing # XXXX. Checking account balance at that time : {$39000.00}. I was notified by AMEX undated email " Return Reason : Can not be processed. Please refer to your financial institution ''. XX/XX/XXXX AMEX Cust Svc spoke to XXXX : said Credit Team told him the check was presented four times and always returned and to call my bank. XXXX Cust Svc spoke to XXXX : no record of the check being presented. He believes AMEX tried to convert it to an e-check and used wrong XXXX #. They have experienced this before with AMEX. This check never showed on my account as being returned. Two more checks have ben handled by AMEX in the same manner : check # XXXX dated XX/XX/XXXX for {$1700.00} returned XX/XX/XXXX ( my checking acct balance at that time {$32000.00} ) ; check # XXXX dated XX/XX/XXXX returned XX/XX/XXXX ( my checking acct balance at that time was {$28000.00}. Multiple conversations with AMEX Cust Service always telling me the checks were returned by my financial institution as " 'Admin Returns '' and it isn't their problem. Sent letters to AMEX on XX/XX/XXXX and XX/XX/XXXX explaining what was happening to me and asking for someone to explain and fix. Executive Cust Service Rep was assigned to this case and kept telling me the same thing, that it is all my banks problem, talk to them. This circuitous nonsense of responses has been going on since XX/XX/XXXX, and going nowhere because no one at AMEX will give me a straight answer as to why checks from my XXXX account that I have used for 20+ years to payoff my AMEX balance monthly, is suddenly no longer acceptable in XXXX.
Consumer complaint received 2017-02-17
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

We have a 0 % introductory amount owing to Bank of America as well as an interest accruing amount. Bank of America is applying our payments to the interest free amount rather than the interest accruing amount. Is n't this a violation of the law signed by Obama in 2009?
Consumer complaint received 2023-07-14
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: Experian Information Solutions Inc. (IL)

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit DEPT OF EDUCATION/XXXX  XXXX {$23000.00} XX/XX/XXXX DEPT OF EDUACTION/XXXX  XXXX {$17000.00} XX/XX/XXXX XXXX XXXX {$0.00} XX/XX/XXXX
Consumer complaint received 2017-08-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (TX)

On or about XXXX/XXXX/2017, Chase bank unexpectedly closed my checking account after being a good standing customer of theirs for nearly 15 years. For over a month they have been holding my funds of {$6800.00} in my checking account and not releasing it to me. These funds include deposits I made in my account as well as my salary from my employer. 

There is no kind of levy, seizure, garnishment, etc. on my account and the only explanation they 've provided me so far is that they are looking into it. I initially spoke with a XXXX XXXX at XXXX and he did not provide me an explanation as to why my funds have not been released back to me. It has been over a month that they are holding my funds and I have not been able to pay my rent or any of my bills. I find it utterly appalling that this could even be legal or allowed for a national bank to do. I am hoping I have not be defrauded as I have read several similar complaints online against Chase bank. Any help you would be able to provide me regarding this matter would be greatly appreciated. 

Regards, XXXX XXXX XXXX
Consumer complaint received 2023-07-12
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (NY)

XXXX XXXX XXXX XXXX Fax : XXXX XXXX Contacted me offering to lower my home mortgage interest rate. 

months after XXXX mortgage stopped all communications with me and stopped my online account access for me to pay my mortgage. 

XXXX XXXX  XXXX informed me to start making them payments. That my new mortgage was {$1500.00} a month. 

After paying XXXX XXXX  XXXX for almost 2 years. 

XXXX I formed me that Carrington would take over my mortgage Carrington mortgage services LLC XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX Carrington tells me that I need to start making payments to them starting XX/XX/2023 After calling Carrington to ask why I dont have statements online for me to see They informed me that my loan remodification application was being cancelled. 

I asked them if the loan re modification was to lower my interest rate like XXXX XXXX  XXXX informed me. 

Carrington tells me that the loan re modification is because I owe almost 2 years of mortgage I sent Carrington all the payments I made to XXXX XXXX XXXX  Carrington Informed me they do not know who XXXX XXXX XXXX is BUt in all the letters Carrington sent me XXXX XXXX XXXX  name was on it How can they claim they do not know who they are I called Carrington about a week ago asking what is going on with my mortgage since I havent heard from them They informed me on Friday that my home was in foreclosure They did not want to give me any more information I asked for the lawyer information that they were using for the foreclosure Carrington informed me they did not have that information They told me I had to go to county to find out for information After arguing with them for 20 minutes They decided to give me the lawyer information Carrington after giving me the lawyer information Asked me not to call the lawyer Since Im suspicious of everything going on On Monday I called the foreclosure lawyer At this law office XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX I was informed by this law office that Carrington just put the foreclosure on hold and she was not able to provide me with no other information I need this to be investigated I seem to be scammed by XXXX XXXX XXXX  And Carrington and XXXX seems to be aware and working together with these people to take my home I want to know what lawyer I can trust and call to look into this matter After being scammed now they want to put my home in foreclosure XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I also called XXXX and made an application to chase during the pandemic to lower my interest rate and they ignore me I also requested a refinance and I was also ignored
Consumer complaint received 2017-08-24
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (TX)

we have been in house 15yrs and sold 4 or 5 times and started with XXXX XXXX who started this mortgage crisis then XXXX XXXX a shell company of XXXX XXXX then to XXXX XXXX owned by XXXX XXXX XXXX from XXXX scandal then to thier buddy fay servicing and XXXX XXXX  who worked with XXXX XXXX at XXXX everyone has refused to refinance us to a lower rate. they have increased our loan by $ 400- {$500.00} dollars for no reason. we put so many refinance applications in with XXXX XXXX that my mom had to put house in my name so we could try and get problem solved but they avoided and lied constantly to me to and then sold us to fay servicing tried to put us in foreclosure back then payments wrong place no notice said 20 times would help they have done nothing. i have asked for harp loan help they laughed said not eligible i asked them XXXX XXXX and fay to put in writing why not eligible and why eligible to pay {$2300.00} a month with escrow and do not qualify to pay {$1400.00} like every one else and we have been here 15yrs. when is someone going to put one of these crooks ruining American dream and American values going to federal prison. this is a complete joke they even have license to still sell property 's. The guy at fay he was very nice but of zero help. He towed company policy line at every turn and would tell us not eligible for nothing. All these company 's have been major players in mortgage crisis so i think we have a good case if all 4 have have fines for fraud and XXXX people out of house and you just fined fay $ XXXX. the road i am on and many other Americans caught in this trap need help. I guess they will claim I am the one loan they did right with all this fraud. please help thanks again have a good one
Consumer complaint received 2023-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

THe following companies Inquiries listed below was not authorize by me on my Transunion credit report : 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
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2016-05-02
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: JP RECOVERY SERVICES, INC. (OH)

JP Recovery Services has sent me a letter attempting to collect a medical bill for allegedly {$70.00} for XXXX XXXX. I do not owe this amount and the debt is not valid. Insurance coverage does not require a copay for these visits. This is incorrectly billed to me. Furthermore, the XXXX XXXX misdiagnosed a medical condition from XXXX XXXX thru XXXX XXXX. The malpractice has resulted in : - Visits that do not require copay ( but I was billed incorrectly for ) - XXXX XXXX XXXX
Consumer complaint received 2023-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CO)

I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint not handled accordingly. Cause " you know guys, I have not been able to purchase my dream house and provide for my family needs due to these inaccurate and fraudulent items showing on my consumer report. I attached a letter I previously sent together with FTC.
Consumer complaint received 2023-07-12
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. (FL)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2023-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint not handled accordingly. Cause " you know guys, I have not been able to purchase my dream house and provide for my family needs due to these inaccurate and fraudulent items showing on my consumer report. I attached a letter I previously sent together with FTC.
Consumer complaint received 2017-08-24
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: CURO Intermediate Holdings (IL)

OnXX/XX/XXXXtook out an online installment loan through www.speedycash.com in the amount of {$500.00}. Made bi-weekly payments of XXXX through XX/XX/XXXX when I put a stop to all automatic withdrawals. After running a credit report recently, I found I was turned into collections and looked further into www.speedycash.com. False license on their website as I tried to pull up their lender license number for the state of Illinois and did n't find it. Ran through all the speedy cash lenders, and the lender out of KS is 'inactive ' and has been since XX/XX/XXXX. False license on website, false advertising.
Consumer complaint received 2023-07-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (SC)

Let me first start off by saying I have been banking with chase for over 3 years and never had an issue. In XX/XX/2023 I received my commissions check from a company I have been doing business with for months and never had an issue. I deposited the check in my chase personal account on XXXX XXXX th check was placed on a hold from XX/XX/2023 until XXXX of XXXX. The money was released into my personal check account today. I withdraw $ XXXX cash and then withdraw $ XXXX cash which I needed a total of $ XXXX however the branch that gave the $ XXXX didnt have the full amount available. As soon as that was done my bank account is now frozen, I go to the local branch in XXXX GA off XXXX XXXX area and spoke with VP XXXX XXXX who called the issuing bank XXXX  to verify the check and it was verified by XXXX the funds are good, no stop payments, everything is good to go. However chase back office said that isnt good enough, we need to speak now with the person who gave you the check. Okay so I provide them with a number to call now chase is saying thats not good enough because that phone number isnt registered to the person name who gave me the check in XXXX XXXX which makes no sense because nowadays numbers arent registered in people names, chase is finding every excuse now to steal my money and I want it back now! I have been using the account with no problems so now why is it a problem! I want my money. Chase can not do this, is it because XXXX XXXX!! The money has cleared one bank, I need the money for my house bills and now chase is stealing it.
Consumer complaint received 2016-04-30
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A. (GA)

XX/XX/2015 I received an offer from Citibank to apply for the Citi Advantage card with, which was offering a seasonal bonus of XXXX miles if {$3000.00} in purchases was made within 3 months of account opening. I was at the time a XXXX year old XXXX XXXX who had never had a credit card and although I was cautious but I decided to apply. I am very conservative about sending so my plan was to use the card on expenditures I otherwise would have made with my debit card. Specifically, I planned to charge my Fall tuition to the card in order to reach the spending requirement before the offer expired. I was approved for a Platinum Select with a {$2500.00} LOC. I received the card after the XXXX holiday and activated it in XX/XX/XXXX. My XXXX purchase was made on XX/XX/XXXX. Over the next 3 months I used my card instead of my bank account for tuition expenses as well as other medium to large purchases, diligently trying to make sure I reached the $ XXXX in charges. Before deciding to apply, I had called the customer service line on the mailer and asked about the details of the program and I was told that " account opening '' referred to my activation of the card and this would commence the 3 month countdown. This being my very 1st credit card experience I took that at face value, additionally, when my card arrived the accompanying package contained literature which had disclosures, but none which expressly outlined Citibank 's definition of account opening. I tracked my purchases and calculated {$3000.00} in purchases by XX/XX/XXXX, however, when I called in XX/XX/XXXX to inquire when the miles would be reflected I was told that I had missed the spending requirement, having made only {$2900.00} in purchases because they were disallowing my last purchase. I am by all accounts crestfallen, here i am having accumulated $ XXXX in charges and related interest and Citibank is insisting that they will not honor my bonus reward because they started the clock from the date of approval. I find this to be a very deceptive tactic on their part, how can it be expected for a cardholder to fulfill program spending requirements with a card they have not yet received. As a young student trying to be wise about credit and finances, I feel very much disillusioned by this experience with Citibank. I do not feel that their credit card disclosure adequately addresses the specifics of the Bonus Rewards program in regards to qualifiers ( lack of definitions, glossary etc ). I would like Citibank to address my grievance.
Consumer complaint received 2023-07-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: WELLS FARGO & COMPANY (DC)

At XXXX on today, XX/XX/2023, I received an email from Wells Fargo Applications ( XXXX ) to my email address thanking me for an application filed on XX/XX/2023 for a Wells Fargo XXXX XXXX XXXX XXXX XXXX I made no application and am not otherwise, and have never been, a customer of Wells Fargo. I called Wells Fargo customer service at XXXX and reported the issue. The first representative took my name and email address. She confirmed that my email address was in their system, but would not provide any other information. Instead, I was forwarded to an application fraud representative who proceeded to for the reference number in the email and for my full name. He then asked for my date of birth. This is where I drew the line and got irate. My information was already confirmed in their system and their reference number for the fraudulent application was provided. There was no need for my date of birth or any other information. A victim of fraud would not disclose personal, confidential information, especially when Wells Fargo has documented instances of fraudulent activities by its own employees. All Wells Fargo needs to do is flag the application and delete it. I checked my credit report. There was an inquiry on my credit. Wells Fargo had accepted the application without doing any due diligence and now my credit score will be negatively impacted, my finances are at risk, and they have compromised my identity.
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

I XXXX XXXX noticed Two fraudulent accounts appearing on my credit reports. I have attached an FTC report and additional supported documentation. 

1. XXXX {$420.00} 2. XXXX XXXX {$650.00}
Consumer complaint received 2023-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I am writing to bring attention to the fraudulent personal information associated with my identity. There are certain accounts and transactions that have been falsely linked to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is of utmost importance to address this matter promptly, as it has had a detrimental impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if required, pursue legal action to safeguard my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.