davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

The mortgage was on XXXX and the account was sold to XXXX XXXX and it was under assumption that that payments that was submitted and transferred to XXXX XXXX. I went to XXXX XXXX website had the payment scheduled to be take out as soon as possible on the XXXX and it wasn't taken out. I called them ask why the XXXX didn't occur and ask how to make the account current and I was told that I could update the account with their XXXX Payment which was {$6900.00} on XX/XX/XXXX including additional {$5900.00}. My regular payment is {$5900.00} which was paid on XX/XX/XXXX but for some reason it was reversed. The rep at XXXX XXXX never informed me that this would be reported as a XXXX. I did not request any XXXX As the result of being coerced into this XXXX XXXX which is something I was not familiar and never used. My mortgage account since I have owned this home for the past XXXX years has never been deliquent until that the rep from XXXX XXXX misinformed me. When I reviewed the statements it says " *The amount listed on this statement under " total amount due '' is based off your original loan terms ( or previously modified loan terms ) and will not reflect any trial modification, forbearance or repayment plan agreements. "
Consumer complaint received 2024-09-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (IL)

I received a check from XXXX XXXX XXXX due to damage to my vehicle, totaling {$6600.00}. On XX/XX/year>, I electronically deposited this check into my Chase checking account. Initially, a hold was placed on the check, with Chase indicating the funds would be available within a few days. However, shortly afterward, I attempted to make a deposit at an ATM, only to discover that my bank account had been closed without any prior notification. 

Upon contacting Chase Bank, I was informed that my account was closed due to suspected fraudulent activity. Further investigation into the closed account revealed that the check had been funded into my account, but then Chase withdrew the funds and closed my account. Essentially, they cashed the check but are now withholding the funds and refusing to release them to me. 

I have called Chase numerous times, speaking with different representatives, but I keep encountering the same issue. According to Chase, they are unable to verify the names on the check. The complication seems to stem from the fact that my insurance policy is under my fiancs name, and the check was written out in his name. Despite providing Chase with the names on the check, along with the insurance adjuster 's contact information from XXXX XXXX, they claim they can not verify the check. 

During my most recent call with Chase XXXX XXXX department, the representative told me in all honesty, I will probably never get that money ; it's most likely going to go to the state. This was deeply concerning and shocking to hear. I can not understand how they can release the funds, then take them back, close my account without notice, refuse any form of verification, and essentially just take the money. 

Chase has informed me that they are legally allowed to hold the funds for up to two years, after which the funds would be transferred to the states unclaimed property department in my county, where I would need to take the matter up with them. I have even offered to bring my fianc in person to the bank, with multiple forms of government-issued ID to prove his identity, but Chase has refused this, insisting that the verification must be done through their system. 

I am frustrated by this situation, particularly since my fianc is ready and willing to provide clear evidence of identity. I am hoping you can advise me on what options I have to recover these funds, as Chase appears unwilling to release the funds despite the legitimacy of the transaction.
Consumer complaint received 2019-03-11
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: IQOR US INC (OR)

Repeated calls for last month. Every day we get a call from Allied Interstate at XXXX XXXX. If not at that time, we will receive a call at XXXX or XXXX XXXX. No message left. We are debt free. We feel they are looking for someone who had our phone number and is behind in payments. The company should do their homework before the place these annoying calls to innocent people.
Consumer complaint received 2016-10-19
Product: Bank account or service — Savings account
Issue: Using a debit or ATM card — 
Company: WELLS FARGO & COMPANY (AL)

I have experience what I believe is identity theft, having had both my savings and checking accounts compromised and hacked too many times to mention. My debit card was used and each time it was discovered, I had the bank cancel it. The financial institution, Wells Fargo, did honor the amounts on my checking account. However, they refuse to honor the amounts taken from my savings account, which comes to about {$2600.00}. I have not used a debit card due to this on any transactions. 

I recently wrote to Wells Fargo again giving them another chance to make the situation right. However, since I have written this letter, apparently my XXXX account was hacked to remove funds from my bank checking account. I immediately reported this to bother XXXX and Wells Fargo. The money was immediately refunded back to me. However, I tried to write a check today and it got denied. I also saw that my online accounts would not allow me to transfer funds. 

The Wells Fargo representative just informed me they have closed my account and I will receive any remaining funds by XX/XX/XXXX. She said that when I opened the account I agreed that either Wells Fargo or I could close the account at any time. 

Now because they refuse to refund me the money that was taken from my savings account ( approximately {$2600.00} ) and I do not have any access to cash, checks, etc. I must go and open an account at another institution ( I was going to anyway but was hoping to get the money first ) then go and withdraw funds from my 401k so that I can continue to live. 

No personal information but just note I am a XXXX year old widow who works full time and supports XXXX others. I have a mortgage, car payment and other accounts. Please help me to get the stolen money back ( I have a detailed copy of all the transactions ) and to warn people about my horrible experience with this company.
Consumer complaint received 2024-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ID Analytics, Inc. (TX)

SageStream LLC providing erroneous false information about my credit to and providing a score that is more than XXXX  points lower than XXXX, XXXX, and XXXX.They reported odd things that adversely affected my credit score such as maintaining a cellphone number that I have had for over XXXX  years and as XXXX  XXXX  I was XXXX  in different states but still maintained same number. SageStream stated this as being adverse due to " distance between address and area code of phone, '' I have lived at my current address for over 9 years and they reported " length of residence too short. '' Other two " length of time since most recent delinquency too short and too many delinquency too short '' which are both fault. They listed my credit score as XXXX. I have never in the history of my credit ever had a score in the XXXX. Whereas other reputable credit bureau list my score XXXX points higher at XXXX and XXXX. 

XXXX, XXXX, amnd XXXX also reporting erroneous information that I disputed. I have no deliquencies on my account. Nor was I deliquent on any mortgages. I request they follow up and update my credit report accordingly with accurate information.
Consumer complaint received 2019-10-08
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (CA)

On XXXX I paid off my Amazon Store card through Synchrony Bank. This amount was for XXXX. They decided to take a second helping of the same amount. They told me they could not return the money and only cut a check later despite the amount of financial ruin this would have dropped on me by taking way more money than I had available to me. The actions they were supposed to take was wait for me to put a stop on my account to block the second charge. Then if all else fails issue a check. Well they issued a check anyway despite asking them not to, and now mysteriously they say part of my original payment is missing, despite it being paid in full as of XXXX and reflecting as much in my account. I have spoken with multiple agents whom blame my bank for this issue despite it being on their site that it has seemed to become worse with each passing day and every new interaction.
Consumer complaint received 2024-10-29
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: EQUIFAX, INC. (CA)

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? 
I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2016-12-12
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: CIBC BANK USA (IL)

When my 1yr/30yr amort loan came up for renewal in XX/XX/XXXX, instead of being renewed as it has since XXXX.a new loan was offered-a 10 year, fixed rate loan, that raised my monthly payments by about $ XXXX informed the loan officer at this time that I would not be able to afford this new payment.He advised me to sign the loan to avoid default, but assured me we would come up with a modification shortly after.After submitting and resubmitting various documents ( a 30 day period ran out before my tax returns were completed ), I was denied a conventional refinancing loan.Next, I was asked to submit a hardship letter, stating why I had been out of work and fallen behind on my payments.I complied with this request.Then I was asked for my college students ' payment schedules for XXXX and XXXX.I also complied with this request and supplied all requested documents and information.With various delays in getting health privacy waivers, having to resubmit information when 30 day deadlines passed, and waiting for financial information from the colleges ' ( again, privacy laws ), All information was finally submitted to the bank. 
My next correspondence was a registered letter demanding all back payments to bring the loan current. I responded that I was cooperating with all his requests, based on his promise to offer a modified loan, along the lines of previous loans, with a similar monthly payment.We spoke by phone, and exchanged emails, but no alternative or modification was ever offered.Only a demand for payment to bring the loan current.I told him I could not afford this solution, and reminded him of his advice to sign the note, with the promise of a modification forthcoming.In the following weeks and months, no modification was ever offered, and my financial situation remained the same.Eventually, this led to a notice of foreclosure being delivered on XX/XX/XXXX.I am hoping he will uphold his promise of a modification, since I was honest and upfront with him about not being able to meet the new monthly payments.So far, his position has not changed, he is demanding the amount past due to bring the loan current ( approximately {$46000.00} ), which I do not have. Even if I did, it would be a month or two before I fell behind again, as I can not afford the monthly payments on the new note, as I told him at the time.
Consumer complaint received 2016-04-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have noticed that each month Trans Union is LOWERING my credit score that it is reporting to XXXX XXXX, and all businesses who inquire as to my credit. They have now, this month provided my creditors with a BELOW AVERAGE score, which is FALSE and slanderous. This is deliberate to thwart my attempts to further my business associations. I have XXXX late reporting and XXXX past due on ALL of my credit accounts and Above Average ratings with all of my creditors. There response is insufficient reporting time for each card. YET MY SCORE WAS ABOVE AVERAGE MONTHS AGO, SO HOW THEN IS THAT AN HONEST SCORE REASON, WHEN MANY MORE MONTHS HAVE GONE BY, ONLY STRENGTHENING THE TIMELINE FACTOR. The other negative explanation stated was too high of balance to credit line, yet I pay almost XXXX percent of my balance EACH MONTH ... .miles more than almost all credit consumers. I have been battling FOR YEARS with the credit reporting agencies committing criminal intrusion into my credit file, and it appears it is STILL CONTINUING. No law abiding, fair credit reporting agency would provide FALSE AND DEFAMATORY information on a credit file. I will continue to take legal action EVERY time there is an issue with my credit files an reporting as it appears, I have no choice, being that these types of misinformation have been going on for several years now in my credit file. I want the CORRECT ABOVE AVERAGE SCORE REINSTATED TO MY CREDIT FILE, OR I WILL TAKE THIS TO COURT.
Consumer complaint received 2016-11-04
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (CA)

The Citibank Double Cash card provides protection for Damage & Theft of items bought with the card for 120 days. My sunglasses bought on the card were stolen at the XXXX airport while traveling outside the country. When I came back and asked about the benefit I was asked to file a claim with a Police Report. I filed a police report with City of XXXX and submitted all the information claim form, copy of credit card statement, detailed receipt and a copy of the police report. The claim was denied stating the police report was value and hence the claim has been denied. I tried reasoning with the Citi Dobule Cash Card claims personnel and they refused to entertain the fact that Police report filed was infact true and the claim should have been processed.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

I am reaching out for your help with this wrong account that is affecting my credit report. This issue has tarnished my reputation, and I need your immediate assistance. Your improper actions have damaged my reputation, and you must remove this incorrect information.
Consumer complaint received 2024-09-13
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: ALLY FINANCIAL INC. (TN)

I don't have the orginal paper contract but I got documents contract from the dealer and my lender copy of contract that they got from dealer is XXXX different set I refuse to baild the XXXX contract that I never seen before when I purchase the car I only seen it this year when they repossession my car and lender gave me documents and their copy of contract is all esign which I denied and they use our name the way they want which is XXXX without our knowledge and wr never esign anything our orginal contract that dealer email me the copy intentionally blank those page that contract term and agreement and intentionally use the XXXX contract that all esign ND new term of agreement than the orginal and they stated our name XXXX XXXX that we never consent or use that format name XXXX that they choose how to out our name XXXX and why do I have to honor XXXX contract that they use and took our name XXXX different order as they want and hold that contract vaild that. I firmly disagree and refuse to accept that contract that create without being present there we drove the car from the dealership XX/XX/XXXX same date as originally contract but lender contract is dated XX/XX/XXXX all esign that we never did and dealer finace XXXX stated that esign is u pretty much signing it but u not acutally signing it but u tapping it all the place that needed esign so they say we just be present to tapp the device to esign and we never sign any device XXXX but they create a whole XXXX contract on XXXX esign that I had no idea about and for them to add gap insurace we must sign in the box gap in order to add we never did as show in orginal contract but they esign the gap box in the XXXX contract this whole is a fraudulent breach of contract now it show that they can makeup anyway contract they like and esign any customer name that they want and start taking people possess car
Consumer complaint received 2024-10-03
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ResidentCollect, Inc. (TX)

I am writing this letter to dispute the debt listed on my credit report. As per the fair debt collection practices act ( FDCPA ), you are required to provide me with specific validation information, including the original creditor, the amount of the debt, and the date it became delinquent. To date, I have not received this information. I request that you remove this negative item from my credit report until you can provide the required validation. 

I look forward to your prompt response to this matter Sincerely,
Consumer complaint received 2017-07-25
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: HANCOCK WHITNEY BANK (TX)

I originally scheduled my closing for XX/XX/XXXX. Four days before, I was told that would n't be possible. I received an extension from the seller and scheduled closing for XX/XX/XXXX. Two hours before closing, I received a call saying the closing was n't cancelled. I was told my seller would be notified. They were n't. They contacted me to find out why the closing was cancelled. I 'm still trying to close on the house, but it 's looking doubtful at this point. I 'll likely need another extension from the seller. During this whole ordeal, my loan officer has uncommunicative for days at a time. He also repeatedly he would call me by a certain time, and I would n't hear from him again until days afterwards.
Consumer complaint received 2016-05-21
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Delbert Services (VA)

I lost my job in XXXX XXXX. I have to take a loan with the company Western Sky in order to keep my apartment. I did n't understand finances at the time. Their interest rate was over 100 %. It also stipulated that my payments of over $ XXXX/month would go towards the interest rather than the principle. The loan was only for {$6000.00}. I have been paying for 4 years spending several thousand dollars above the principle but not clearing the debt. Western Sky claimed to be a tribal lender, however the company collecting the debt was XXXX. Now Delbert Services is collecting payments at a lower rate which they had me resign a contract for, about a year later if I recall correctly. I have just recently heard that these companies have already had several lawsuits against them, including in my home state of Virginia. In those, to my understanding, it was determined that their loan terms and collections practices were predatorial and illegal. I believe that it was determined that any loans signed for by those companies prior to XX/XX/XXXX were ruled that only the principle of the loan had to be repaid by the recipient of the loan and any amounts over said principle were to be repaid to the signatory. I do not know how to make myself known as a member of that class to receive restitution. Due to this loan, I can not pay other bills, nor do I have money to buy food for myself and my XXXX dependant. I can not maintain my car, so will likely lose my current job as well. Yet they are still automatically deducting their payments from my account via ACH, which my bank says it can not stop. Please assist and advise me in any way possible.