davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-27
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP (IN)

My mother-in-law passed away and I was ordered by the court to be the administrator of her estate. The mortgage company, US Bank, had no system in place for dealing with this situation. At the time of her death, the mortgage was upside-down- mortgage for XXXX and house value of XXXX. I attempted to get the bank to agree to a short sale, but they would n't agree to a short sale without an offer to purchase the house. We eventually got an offer of XXXX and attempted to get the short sale approved. The bank refused to even process the paperwork for the short sale because we " had not signed the form. '' The problem is that this form said among other things, that the signer agreed to accept responsibility for repayment of the loan. I signed the form as my mother-in-law 's name with my name undersigned as the administrator of her estate. They would not accept this. One representative told me on the phone that they would not accept the form unless I signed it with my name and my name only as the borrower on the loan! I refused. At this point, the estate was declared insolvent by the state court and closed. Even after the estate was closed and the property surrendered to the bank, representatives continued to call and send bills to my house attempting to collect mortgage payments, in direct violation of the court order!
Consumer complaint received 2023-06-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (OH)

Chase Bank scammed me out of my atm deposit!! I deposited {$230.00} but the atm took XXXX & gave me back {$110.00} and told me to call XXXX ( XXXX ) XXXX to see if my deposits goes through which it didnt do I gave them a call & they goes to tell me I will get my money in 10 business days which is absurd! I was depositing money in my account to pay a bill that was charged to my card but since chase took half my money with no problem my account isnt sitting negative $ XXXX dollars!!! They are simply going charge me a {$35.00} or more overdraft fee on purpose because this is the malicious practices that they do & This isnt the first time this has happened! They didnt care that I had an bill to pay & that it would be been paid if their atm didnt eat my money!! Im sick of chase & their malicious practices they need to be stopped! Last time this happend I had my money back within 2 hours & thats what I was told yesterday once I spoke to someone but I wake up today and my account still negative?? They guy tells me today I have to wait 10 days! So what is it 2hrs or 10 days??? They dont even know! This is sick!
Consumer complaint received 2023-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDE

R 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT AL
SO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2015-08-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Residential Credit Solutions, Inc. (NV)

We requested assistance in the form of a loan modification with our servicer, Residential Credit Solutions ( RCS ), XXXX 2014. During the course of going through the initial steps of the modification, RCS repeatedly, after 8 times total in writing by ourselves, refused to update our mailing address so all correspondence was getting delayed nearly a month to us. We requested RCS to update our address so we were not repeatedly getting our mail late. RCS has been very INACTIVE in the past when it came to telephone requests so we began to put everything in writing. We finally sent RCS formal mail this spring and faxed and emailed the final address update requests and this finally worked. 

However, XXXX XXXX, 2014 was the deadline for us to submit paperwork for the modification to continue and we received this correspondence from RCS XXXX XXXX, 2014 to our current mail location of which we had been attempting to update for months! It was because we did not submit our paperwork in time because we did n't receive it until 1 day past the deadline date that we were denied a modification. 

This is ridiculous treatment by a servicer and a poor excuse for denial when we made numerous attempts to get RCS to send paperwork to the RIGHT address!!!!
Consumer complaint received 2023-06-01
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. (FL)

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX Dear XXXX Representative : Delete the dispute notation from my credit report I have previously requested you delete all addresses on my profile that I see reappear again on my profile. Also, delete all the above addresses & * ph. # business info as well. 

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
Consumer complaint received 2023-06-01
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: ALLY FINANCIAL INC. (PA)

Dear Sir/Madam, I am writing to formally lodge a comprehensive complaint against Ally Financial for their role in the unfair and deceptive practices during my purchase of a XXXX XXXX from XXXX XXXX XXXX XXXX XX/XX/XXXX. 

XXXX  Misrepresentation of Loan Terms : Ally Financial processed and approved a loan for my vehicle, which I believed to have an interest rate of XXXX  % based on the initial invoice contract dated XX/XX/XXXX. However, upon receipt of my first billing statement, I found that the interest rate was substantially higher, at XXXX  %. This discrepancy has resulted in a significantly increased financial burden and inflated overall cost of the vehicle. 

2.  Inconsistent Financing Terms : The terms of the loan presented to me were inconsistent. The initial invoice contract stated the price and financing terms clearly but did not mention any stipulations related to arbitration. However, the subsequent Retail Installment Contract signed on XX/XX/XXXX, introduced an arbitration clause, significantly altering the terms to my disadvantage. This change was neither clarified nor adequately explained to me. 

3.  Undisclosed Relationships and Potential Kickbacks : I have reasons to believe that Ally Financial and XXXX XXXX XXXX may have a pre-existing business relationship, possibly involving kickbacks or incentives, which was not disclosed to me during the negotiation or finalization of my vehicle purchase. This lack of transparency raises concerns about the fairness and legitimacy of the loan terms and interest rate. 

4. Noncompliance with TILA : Ally Financial 's failure to accurately disclose the terms of my auto loan, as well as their potential noncompliance with the arbitration disclosure requirements, may constitute violations of the Truth in Lending Act ( TILA ). TILA mandates that lenders provide borrowers with clear, accurate, and meaningful information about the cost and terms of credit. 

These alleged malpractices by Ally Financial are not only detrimental to me but also potentially harmful to a wider consumer base. I, therefore, appeal to the CFPB to exercise its authority to investigate and rectify these injustices. 

Thank you for your time and consideration. I am confident that the CFPB will uphold its commitment to consumer protection and ensure fair practices in the auto financing industry.
Consumer complaint received 2016-07-29
Product: Credit card — 
Issue: Other fee — 
Company: SYNCHRONY FINANCIAL (AZ)

Signed up for a guitar center card in XXXX XXXX. I was told I can return the product within 6 months if not satisfied, I did go back in XXXX and was told that guitar center would 'buy ' back my guitar for less than half of what was charged to my card. 
Initially XXXX XXXX managed this account, then was turned over to Syncrony Bank in XXXX or XXXX XXXX. Getting in touch with management is impossible and these people are unforgiving with high penalty fees, for people who can not afford them. I was told my account would be under a promotional period until XXXX of XXXX, and try to extend it so I can pay the principal balance on the XXXX of XXXX, but they refuse, it 's a difference of almost {$300.00}. Please help. On hold over 1 hour waiting to speak with a supervisor, still not results. Original cost of item was {$900.00}, I have paid {$610.00} since I received the card in XXXX XXXX. My balance is currently {$850.00}. 18 months later my balance is nearly the same.
Consumer complaint received 2015-08-14
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Southern Service Systems, Inc. (AR)

After disputing a debt to Southern Collection System that has remained on my credit report for almost 2 years after my bankrupcy was discharged, I received a letter from Southern Collection System stating that I had " failed to dispute the validity '' and had not made arrangements to pay. They demanded that full payment be made within 10 days. Although I do not have prior documentation, this is the 2nd time I have attempted to dispute this debt and have it removed from active collections in the past 2 years.
Consumer complaint received 2023-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

on my records is wrong information, i know about my rights and i understand my information must be XXXX porcent accurate, verify and completness, EQUIFAX is just puting on my credit inaccurate information, i already dispute it a month ago but they dont answer my complaint, the 30 days they have is over and at the moment i did not recieve anything about it, so the credit bureu is not doind the homework they are not interest in my as a customer so this is why im contacting the CFPB XXXX need help with the lazy credit bureu
Consumer complaint received 2016-08-01
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

I was a customer of HSBC bank. It XXXX or XXXX I had a personal checking and savings account with them. I called customer service to lodge a complaint that money was removed from my account without my authorization. They investigated it and decided to close my account. Unfortunately, because it was so long ago, I do not recall nor do I have my account number with this corporation. I attempted to open another account with them several years later. I was permitted to open the account. The following day customer service contacted me and informed me they closed my account due to my previous account having been closed by this institution. I feel that their investigation was inconclusive and as a customer, lodging a complaint to them about unauthorized usage of my account, I should have not be penalized for submission of this complaint.
Consumer complaint received 2018-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (WI)

I have attempted to have an account from XXXX  XXXX removed from my credit reports. I contacted each of the 3 major credit bureaus explaining that I do not have an account with neither of the companies listed on my credit report ( XXXX XXXX or XXXX XXXXXXXX XXXX XXXX ). I was told I can enter a dispute which takes 30 days to complete. Each time I put in a dispute I literally received an alert within 24 saying my dispute has been resolved with know change. In mid XXXX I contacted each bureau again asking what is the method for verifying this is my account considering I'm reporting it does not belong to me. I was told they contact the creditor and if I want more information to contact the creditor directly. 

Starting back in XXXX I've reached out to the company XXXX XXXX XXXX XXXX collecting on behalf of XXXX XXXX. The first couple of times I called ( only verifying my named, I was told I took out a loan online in XXXX of 2013. I explained I don't know who this company is nor have I taken out a loan with them. I've also asked for documentation with my identity information ( SS, address, DOB, dates, times and my signature on it ). To this date I have not received anything from either company. I also made a point to ask why I never received any calls or delinquent letters of collection. Neither rep could answer my questions. When I did a check on XXXX XXXX through Department of Financial Institution, I see that XXXX XXXX XXXX is dissolved. I mentioned this to XXXX XXXX and basically that was brushed off and they still asked me to pay them. 

I need immediate help from CFPB, my identity has been stolen 4 times within the last 7 years. This is not my debt and I would like it removed from my credit report immediately. Trying to resolve the issue with XXXX XXXX has been frustrating and time consuming to say the least. This is literally the only bill on my report and it is damaging my credit.
Consumer complaint received 2023-06-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Atlanticus Services Corporation (PA)

I was the victim of abuse and financial exploitation of a vulnerable adult and several accounts were opened in my name while I was XXXX 

Numerous attempts to have this account removed from all three credit bureaus has been made, but the account holders continue to attempt to collect the debt despite knowing the items are the direct result of XXXX XXXXXXXX and the abuse of a XXXX individual as documented in APS reports.

I have had to flee 1200 miles with my XXXX child and these issues are hindering my ability to house my XXXX child and obtain services for him. I have no support system in this area that I was forced to move to for safety and it is imperative these issues be addressed and removed immediately. 

The proper law enforcement ( APS ) forms and FTC reports have been provided, yet the account holders continue to verify the information is " accurate '' and " updates '' it to keep it on the report. 

Several agencies realize that the accounts are legitimate fraud, and continue to sell or resell the accounts nearly monthly as they know the monies are not recoverable legally. 

Please remove these accounts from all three reports as I am not legally responsible for them as I was XXXX XXXX/under duress during the time of the purchases and can not be held liable, and the documented victim of financial exploitation.
Consumer complaint received 2023-06-01
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. (OH)

" in accordance win me Fair cream Reporung acr. The List or accouns below nas violared my rederany protecred consumer tignts to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXXXXXX, has violated my rights.

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 followinc items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more man seven vecEs 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 2023-06-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO. (CA)

XXXX Payment. My wife accidentally XXXX {$1200.00} to wrong phone number on XX/XX/2023. She filed dispute claim on XX/XX/2023, Chase XXXX completed investigation on XX/XX/2023 and do nothing. Even we had contacted the recipient ( XXXX ). He is willing to refund my wife the fund. He wanted the bank to contact him so he can refund to us. Chase XXXX has no one will contact him to confirm to the recipient that my wife is accidentally XXXX to his number. I asked the bank if there is anyway/process help us to confirm my wife is the owner of the fund and not some kind of scam. All I get answer is " No '' " nothing they can do in my wife situation '' even we have been the bank customer for more than 20 years. It is on our own. As you know, There are always errors in any processes. And the XXXX  payment is even more critical because it deals with financial. There will be people losing money for just a typo. I wonder if the Consumer Financial Protection Bureau has some guide lines in place to help people to get their money back due to error. My family is stressed out over this for the last 4 weeks now. Our issue is still there, the recipient just file a claim with his bank today XX/XX/2023. I hope his bank will do something. Otherwise I am back to square one in searching for help. I hope CFPB comes up somethings soon. I believe more families/ people will be stressed out over this issue due to their mistake as my wife does. Thank you for your reading my issue concern.
Consumer complaint received 2023-06-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I had debt that was charged off by bank of America, their collection agency charged me for most of it in payments, the last XXXX dollars owed were garnished from my wages by a NV court in favor of Bank of America until debt was paid in full. 

Bank of America still shows the balance as unpaid even after disputing it through credit bureaus.
Consumer complaint received 2016-09-13
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (CA)

We have had two issues with our Wells Fargo Mortgage loan. 
1. During the recent recession we fell behind a few months on our mortgage payments and when Well Fargo Mortgage was unwilling to work with us to keep our home and we were told that the only way to stay in our homes was to file for bankruptcy, which we did in XXXX 2014. 
2. Since filing bankruptcy, we have continued to make our FULL monthly mortgage payments to Wells Fargo every month. Recently we tried to look into a VA loan and were told that our credit report shows us 24 months late on making payments. When we contacted Well Fargo, we were told that part of the mortgage payment is kept by them and then submitted to the bankruptcy trustee, therefore we are considered not to be making a full payment each month. This has damaged our credit in addition to having to file for bankruptcy to keep our home. We were told by XXXX mortgage loan companies that we can not qualify for any type of mortgage loan due to this information. We now must sell our home because we can not afford the mortgage and trustee payments in addition to our monthly expenses. When we sell our home, we do not know where we will live since we can not qualify for a mortgage loan and may find it difficult, if not impossible to rent a place to live. We have repeatedly left messages with Wells Fargo representatives when we make our phone mortgage payments ( which is the only form that we are allowed to make payments ) to have a supervisor call us and to date we have yet to receive any telephone call from any supervisor. We are totally frustrated and despondent over this situation. We hope someone can help us.
Consumer complaint received 2016-09-23
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

The Citizens Bank ATM recognized my debit card and had no problem with my withdrawal, but then failed to return the card, without explanation. When I called to complain, I wanted my card back or a replacement card with the same expiration date so that I would n't need to spend hours rearranging all my automatic payments with vendors. They instead ordered me a new card with a new expiration date. The supervisor XXXX XXXX in Pennsylvania stated that they do not provide replacement cards with the same expiration date.
Consumer complaint received 2023-06-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX