davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-28
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: AMERICAN HONDA FINANCE CORP (MA)

Account # XXXX At the beginning of the XXXX I cx the package plan with XXXX tire and rim along with other services. Due to the fact I could not get service done at the location. I then tried to go to XXXX where I was told they would service the car and did not. XXXX XXXX XXXX made it seem like they didnt deal with XXXX XXXX XXXX I later found out they have the same general manager. Ive decided to sell my vehicle. I have been trying to sell the vehicle and the package is adding XXXX dollars to my buyout. It has been well over XXXX weeks and the company still has not changed the buyout amount making it impossible for another company to offer a buyout. 
Over a month has passed since the request and still has not reflected on the bill. I need to sell my vehicle and get the owner off the loan because they will not comply with the lease contract. I am the co sign Ive done everything possible however XXXX is not helping on their end they have made this extremely hard.
Consumer complaint received 2016-05-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Bank of America told me they would n't resubmit a check that bounced because I accidentally double paid but then they did resubmit the check and it, of course, bounced again. Their customer service guy, XXXX, said the check would n't be resubmitted but then the next day it was. 

The problem started when I overdrew my account in the first place. That was my fault. When I saw that the payment did n't go through, I submitted it again once I determined our account could cover it. I did n't know, however, that BoA policy is to re-run bounced payments. Thus, they ran the original payment through, which was covered, but my second payment now bounced. Knowing now that the bounced check was going to be run through again, I called BoA to stop that. I talked to XXXX who assured me the check would not be run through again. He practically glossed over my problem and started to ask me if I wanted to refinance my mortgage. I told him I wanted more assurance that my check would not be run again before he sold me anything. He assured me in a very unassuring way, so I asked for a case reference number. He said BoA. did n't have reference numbers but that my account would be noted that I had this conversation. I come to find out today that the check said would not be run again has, in fact, been run again, so now my account is overdrawn. BoA mortgage customer service is closed on weekends, so I ca n't to anybody until Monday. It 's Saturday morning now. I take responsibility for the original {$30.00} bounced check but this second one is BoA 's fault because XXXX was wrong about the payment not running through again. I might be on the hook for more fees because I have pending debit that might be overdrawn depending on how quickly BoA credits back my account on the second mortgage payment that XXXX said would be stopped. It was aggravating how he seemed to be more focused on selling me a product instead of providing customer service.
Consumer complaint received 2019-10-03
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO. (MD)

I purchased a new home in XX/XX/XXXX, and Chase is the mortgage holder. In XX/XX/XXXX, I received an escrow adjustment stating an increase in property taxes of {$3100.00}. In actuality, my property taxes for XX/XX/XXXX increased only {$27.00}. After numerous calls to  Chase, they admitted ( on a recorded line ) that they miscalculated the original escrow. They had only figured a half years taxes into the equation at time of closing. They are now asking me to pay an additional {$4000.00} in additional escrow. This would increase my mortgage payment by approximately 13 %, from {$3300.00} to {$3700.00}. I explained that this was Chase 's mistake, and I should not be asked to pay an additional {$4000.00} ( or a 13 % increase in mortgage payment ) because of their error. I have only been in the house just over one year ; this has significant financial consequences on my monthly mortgage payment, due to their mistake. I am asking Chase to fund the additional {$4000.00} in additional escrow that they require.
Consumer complaint received 2016-05-13
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (MI)

While this case is about XXXX XXXX XXXX ( which I have received letters like this case has ), it fits best my XXXX XXXX XXXX complaints. In fact, XXXX XXXX XXXX has already supplied a letter dated XXXX XXXX XXXX, stating that the furnished account was correct, they would continue to report it, etc. It was not correct. I was not legal either. Think about that when reading this. My situation falls in between the case below. My case did not make a payment in order to be reported. However, they reported payments were made on time, though I never made any. Using this case, even positive time-barred reporting is barred, whether paid, unpaid, etc. Because Experian was the most specific reporting on this credit account - closed in XX/XX/XXXX - and reported " paid on time '' each and every month of XX/XX/XXXX by an " internal '' upgrade by the furnisher, shows that the credit reporting - BY DATE ALONE - wilfully violated the law. So this case will be added to my other documents against both the furnisher and the credit reporting agency in court. Hopefully, the reality-check of this clear language will speed up the too-slow investigation and reinvestigarion into the details of those 13 months of payment data. Those details are not even admitted to by the furnisher ( U. S. Mail ) a week after I called the Fraud department. Yet, they are right on the Experian credit report I initially received in XXXX XXXX. XXXX other credit reports have variations on this reporting ; such that it could not have been a single furnishing. It was in XX/XX/XXXX, ever month in XX/XX/XXXX ; and in XX/XX/XXXX, too. This XX/XX/XXXX account will be on my credit report until XX/XX/XXXX because the letter by the bank said it will continue to report it - thus causing me to continually dispute it until then - and says it was correctly reported. The case should serve as a " cease and desist '' to Experian for any and all accounts connected to XXXX XXXX XXXX whatsoever ; regardless of what account is furnished!!!!! If the furnisher refuses to stop, then this agency must stop them, based on this case as an umbrella blockage to more disputes. I do not want to waste anymore time trying to explain the clarity of this case XXXX XXXX XXXX to a national bank or to their national major agency that disseminates that error another number of years. 

XXXX As in that case, there is no circumstance under which Defendant could legally report an obsolete debt to a credit reporting agency or make a positive report in the event of payment. The implication that Defendant could do so here is misleading on its face. ''
Consumer complaint received 2024-10-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Mr. Cooper Group Inc. (OH)

MrCooper charged a fee that is not in the mortgage agreement and has a fee disclosure on periodic statements that violates XXXX. 

My bank made a clerical error and sent a check to MrCooper. The bank canceled the check due to the clerical error. When MrCooper received the check they charged me a {$50.00} " returned payment fee. '' A payment for the correct amount was sent prior to the due date. At no time was my account past due. 

The periodic statements indicate that MrCooper may charge a fee " up to {$50.00}, '' the right to charge a returned payment fee is not in any of my mortgage documents. Additionally, the " up to '' language on the statement is a clear violation of XXXX as there is no way to pay less than {$50.00} as this is the first fee ever charged on this account. 

The charging of the fee meets the test for multiple UDAAP prongs : Deceptive : I. The act or practice must cause or be likely to cause substantial injury to consumers. 
The charge of {$50.00} to me and other customers is substantial. 
II. The consumers interpretation of the representation is reasonable under the circumstances. 
- Customers reasonable expect to only be charged fees agreed to in their mortgage documents. Additionally, customers expect when they see the language " up to '' that there are situations where a lower fee will be charged. 
III. The misleading representation is material. 
- I and other customers relied on the mortgage agreement to assume that only fees we agreed to would be charged. Additionally, Myself and other customers would be more careful and try to find alternative solutions if we realized that we would be charged the max fee on the first instance. 

Abusive : I. The act or practice materially interferes with the ability of a consumer to understand a term or condition of a consumer financial product or service. 
- A fee was charged that was not in the agreement. The " up to '' language made any potential fees seem more reasonable. 

II. The act or practice takes unreasonable advantage of the inability of the consumer to protect the interests of the consumer in selecting or using a consumer financial product or service. 
- Customers have no choice in selecting their loan servicers. As such MrCooper is arbitrarily charging customers fees that are not in their mortgage agreement and do not provide customers with a way to pay less than {$50.00} despite saying they charge " up to {$50.00} ''
Consumer complaint received 2024-10-08
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Merchants Adjustment Service, Inc. (SC)

I am writing to request verification of a debt that you claim I owe, related to account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pursuant to the Fair Debt Collection Practices Act, I would like to receive a copy of the original purchase agreement or other documentation that substantiates this debt, including the terms of the agreement and the date of origin and my signature that you're saying was provided. You keep saying XXXX XXXX but you're reporting on my credit report XXXX XXXX this is conflicting information. Please provide all documents to validate this debit Please send this information to me at the address you have on file within 30 days of receiving this letter.
Consumer complaint received 2024-10-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Aldous & Associates, PLLC (GA)

I am writing to request that you remove a collection from my consumer report. The collection is for XXXX  ( Original Creditor : XXXX XXXX XXXX  ) ]. Date opened XX/XX/year> I believe that the collection agency has violated my consumer rights, the agency has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ), and I have not been given a chance to dispute the account according to 12 CFR 1006.34 ( c ) ( 4 ).

Collection agency is violating my consumer rights by using false misleading, misrepresentation and deceptive means.

Collection agency has no authority to furnish any account to my consumer reporting agencies without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ) I am enclosing closing copies of the relevant laws for your reference. I request that you investigate this matter and remove the collection from my consumer report immediately. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2021-07-15
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. (TX)

I did not consent to, authorize, nor benefit from any of the following Inquiries or Accounts. This is a violation of 15 USC 1681 ( a ) ( 4 ) right to privacy and 15 USC 1681b ( f ) reporting inquiries without my authorization or permissible purpose. I would not be going through a FTC report if this was not an error. Please block and remove them immediately : XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} XXXX  Date Opened : XX/XX/XXXX Amount : {$280.00} XXXX  Date Opened : XX/XX/XXXX Amount : {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$46000.00} US DEPT ED Date Opened : XX/XX/XXXX Amount : {$1400.00} US DEPT ED Date Opened : XX/XX/XXXX Amount : {$6600.00} XXXX XXXX  Date Opened : XX/XX/XXXX Amount : {$550.00}
Consumer complaint received 2024-09-27
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA (NC)

I XXXX XXXX am reaching out to the CFPB regarding my Apple Credit Card in which I am owed a balance of $ XXXX. On top of this apple has shut down my credit card for stating that there is a failure to comply with the terms of the Customer Agreement but yet I have done nothing wrong? I was recently audited by the IRS and there were some fishy charge ( s ) on my apple card which apple is known to have high fraud on their credit card. and brought it to their attention. Where does that lead me to a closed account, none of the charge ( s ) that I brought up credited back to me or looked into with a simple statement that the charge ( s ) were authorized. I asked apple to provide proof of how they were authorized and what did they do to come to that conclusion which they were unable to tell me except that they can put the charge ( s ) back under dispute for a secondary investigation. I have no reason to lie there is also due to these numerous billing error ( s ) a late 30 day remark being reported on my consumer credit report for XX/XX/year>. I was never late on this card and if there is a late remark it is due to the billing error ( s ) I have brought to their attention that they fail to resolve. I am reaching out to the CFPB to have this inaccurate blemish on my credit rectified as well as a thorough investigation into these fraudulent charge ( s ) which led to huge billing errors from their finance department.
Consumer complaint received 2021-12-15
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. (KY)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-01-13
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. (IL)

THESE BUREAUS ARE FALSELY REPORTING ALLEGED DEBT WHICH IS A FDCPA SECTION 807 VIOLATION 15 USC 1692e. THE ALLEGED DEBT CAN NOT BE VERIFIED AND I HAVE YET TO RECEIVE A RESPONSE AFTER 30 DAYS WHICH IS ANOTHER VIOLATION UNDER THE FCRA.
Consumer complaint received 2016-05-13
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO. (FL)

On XXXX/XXXX/2016 I made a phone purchase for XXXX tickets to a XXXX XXXX XXXX in XXXX XXXX. I used my Chase Credit Card. I selected XXXX seats illustrated on the XXXX XXXX XXXX. The total ticket price was approximately {$450.00}. I then gave my requested Credit card info over the phone. The summary by the agent concluded with a price of {$850.00} as a result of miscellaneous fees, etc. that we 're never disclosed previous to credit card info. 
I requested cancellation. The response was " all sales are final '' followed by a dial tone. 
Within 10 minutes I contacted Chase Dispute Dept. XXXX. I was given a temporary credit subject to investigation. 
The tickets never arrived by XXXX. Chase informed me that the investigation resulted in favor of Online Tickets because I received tickets. This never happened. I requested a XXXX Signed verification. Chase sent me a Proof of Delivery sheet indicating that the tickets were delivered to XXXX in XXXX, Illinois on XXXX/XXXX/2016. I know no such person. Chase said that XXXX probably gave the tickets to me. They also included an Order Review which they never read inasmuch as it said that tickets were for a Rodeo and were paid for with an XXXX CCard. I contacted Chase XXXX 4 times, in a totally frustrated state, relayed the info, and they stood firm. 
XXXX has no record of ticket delivery to me. I never attended the Concert. Online Tickets has no record of a ticket stub, which I 'm told is a requirement. I have contacted Chase, pleaded for logical conclusion, offered to takahe a polygraph test at my expense. 
I have forwarded this explanation and paperwork to the XXXX JP Morgan Chase Board of Directors with attachments. No response. 
The only rational conclusion I can reach is that there is a connection between Online Tickets and XXXX XXXX at Chase with whom I 've explained, shown evidence, etc., I have maintained a spotless, on time record with Chase and am so frustrated that it 's affecting my health.
Consumer complaint received 2024-09-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Mnet Financial Inc (TX)

On Monday, XXXX at XXXX, I received a text message from Mnet Financial , a Debt Collector stating they recently sent a letter to me. I am writing to dispute the validity of the alleged debt referenced above this company claims I owe. I am invoking my rights under the Fair Debt Collection Practices Act ( FDCPA ) to request that you provide validation of this debt. I demand that you cease all communication with me regarding this matter, as required by law. Furthermore, I would like to bring to your attention Section 605B of the Fair Credit Reporting Act ( FCRA ), which states that consumer reporting agencies must block the reporting of information that results from identity theft or fraud. As such, it is imperative that you conduct a thorough investigation to ensure that this alleged debt is accurate and that it is not a result of identity theft or fraud. I have not given this company any authorization to contact me or have any of my personal ( non public ) information. Please provide the following information to validate the debt : 1. The original creditor 's name and contact information. 2. A copy of the original signed contract or agreement related to the debt. 3. Verification of the amount of the debt and how it was calculated. 4. Proof that you are licensed to collect debts in my state.
Consumer complaint received 2016-05-13
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (MA)

According to my credit report, the private student loans held by Navient have been closed and charged off but when logging into the Navient account, they still show up and they are reporting payments. If Navient has sold these loans to XXXX of Ohio, then when I log into my Navient account, it should show that they have been paid off not a balance. We are paying a down payment of {$1000.00} and payments of {$250.00} to XXXX of Ohio which are then being sent to Navient. 
According to the XXXX credit report, these loans have been charged off as bad debt on XXXX XXXX, 2016 but in my Navient account, it shows the next payment being due XXXX/XXXX/16.
Consumer complaint received 2016-05-13
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (TX)

I ask Well 's Fargo to stop putting me on the over draft " protection '' plan. Each year they take me off, they take me off, then the next year they put me back on it and charge me. It 's not protection and its false advertising.
Consumer complaint received 2016-04-16
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: WESTERN UNION COMPANY, THE (IL)

hi I made an online transaction with Western Union on XXXX XXXX. For an inexplicable reason, the transaction did not go through. After several follow ups, on XXXX XXXX they advised a refund has been processed. Till date i have yet to receive my money back. Please assist me with this, I have called their customer service and escalation teams every three to four days without a result. It is six weeks now since this transaction was rejected and i have yet to receive my refund.
Consumer complaint received 2016-12-12
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (NV)

I made my XX/XX/XXXX payment for my morgage on XX/XX/XXXX, then when I went to make my XX/XX/XXXX payment Wells Fargo tried to do a double payment which I advised them they could not and they did reverse it but made my account 2 months past due which is incorrect, I am currently current on my mortgage and they refuse to listen to me or even contact me back when I do contact them. I have all my payment records here which is only a little over a year and a half proving I have made my payments, I admit in XX/XX/XXXX I made some late payments but for XX/XX/XXXX I have been ontime. They current have my due date being XX/XX/XXXX and saying I am past due which I am not and I have all the doc 's to prove it, that I am due for XX/XX/XXXX but I am making that payment today and I have a copy of that check as well. I have worked really hard on my credit and they are going to ruin it by them trying to rip me off!!