davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO. (CA)

I filed a dispute with my bank Chase, after the date of XX/XX/XXXX, because XXXX overcharged me for a ride that they did not show proof nor was it accurate. My bank came back on XX/XX/2020, and they reversed this charge for {$44.00}, and XXXX has not shown me proof or shown my bank proof that this is accurate charged amount, and so I'm being charged an extra incorrect {$44.00} amount, and there has been no remedy, no correction, and this is inaccurate by XXXX, and Chase should be properly handling this, but they aren't, and so I have not gotten a notice. The original ride that I was supposed to be charged for by XXXX was supposed to be {$23.00}, which the extra {$44.00} is incorrect, making the ride {$68.00}, the original ride for XXXX was originally {$23.00} dollars, but Chase has not gotten any proof or correction from XXXX, and I have not either. There has been no follow up, and this issue has not been properly resolved with my bank, Chase, and XXXX, and so I would like to please ask for your assistance, will you help me in this matter? Thanks.
Consumer complaint received 2017-11-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: FORD MOTOR CREDIT CO. (VT)

I had called XXXX XXXX XXXX to have a due date changed back in XXXX. They said that this was not a problem and that they would happily make the change, send paperwork to sign and return and have the date changed from the XXXX to the XXXX effective immediately. The gentleman i spoke with also said that if I had any problems or saw a late fee to call and they would take care of it. I signed the paperwork, sent it back and continued paying on my loan every month thinking everything was ok. I then noticed {$190.00} in late fees on my account and when I called XXXX XXXX XXXX regarding this I was first told that they had no record of the conversation occurring, then when pressed they admitted to the conversation happening. Then they said that they never received the paperwork I sent to them and said that they would not wave the fees like they had said they would. They transferred me to a senior account rep but said " I doubt they 'll do anything ''. The senior rep really did n't even listen to what I said and refused to work with me at all, so I asked for her supervisor and was told I would get a call back. They have recordings of all these calls but are refusing to work with me on fees that were charged due to their error, not mine. I would like to request assistance in resolving this issue. I have XXXX new vehicles i purchased from XXXX in the past year and expect much better treatment than this.
Consumer complaint received 2017-11-03
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. (IL)

I have several credit inquiries that I did not authorize. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MN, XXXX XXXX XXXX  XXXX, XXXX, ri, XXXX XXXX XXXX XXXX, XXXX, oh, XXXX XXXX XXXX, XXXX, texas, XXXX XXXX
Consumer complaint received 2024-01-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have been a repeated victim of identity theft, innacurate reporting of late payments, reporting that i never authorized, the wrong name, address, my date of birth, place of employment going XX/XX/XXXXand it continues etc. XXXX has violated 15 USC 1681 c-2, 15 USC 1681b , 15 USC 1681 ( e ) ( b ) and 18 USC 1028A . They have no later than four days after receipt to correct these issues.
Consumer complaint received 2019-06-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: SUNTRUST BANKS, INC. (GA)

XXXX gave an account to someone else using my cell phone number without verifying it or sending a confirmation. Ive been using XXXX for a while until someone tried to send me money and discovered someone else created an account with my cell phone. I called my bank, XXXX and they claimed they are not able to help because it it set up to receive money with another bank ( SunTrust ) of course I called suntrust and they are not able to much either. Meanwhile, someone else uses my phone to transfer money to his account. I reported this as fraud and nothin has been done about it
Consumer complaint received 2017-11-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Finance LP (NY)

I have received a response from XXXX XXXX on behalf of Selene Finance dated XXXX XXXX, XXXX stating that they are not able to respond to the complaint with furthermore reference of, yet another company, XXXX, who initiated collections on the account. 

Upon communications and multiple open complaints lodged against XXXX XXXX XXXX, XXXX has failed to provide a subsequent response as of XXXX XXXX, XXXX. 

Furthermore, XXXX XXXX XXXX XXXX has stated that they required an extension of 60 days to respond. The extension has expired. XXXX failed to respond as of XXXX XXXX, XXXX despite of the fact that the necessary documentation was submitted. 

If Selene Finance has become an official representation of XXXX XXXX  XXXX, they have to reference any and all open complaints and documentation and provide an immediate response. 

Additionally, Selene Finance is to specify their relationship and affiliation to XXXX XXXX XXXX as to which they referenced in their response Paragraph 3 line 2.
Consumer complaint received 2017-11-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems (TX)

The aforementioned credit collection agency representing XXXX XXXX has violated the FCRA by not providing documents to me in regards to this debt. I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from my all credit files : XXXX XXXX and XXXX. 

The business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this " debt ''. If MIDWEST RECOVERY SYSTEMS does not have any documentation, they need to retract this from my credit file immediately.
Consumer complaint received 2024-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Despite my previous three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request.

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of Federal Law.
Consumer complaint received 2024-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.
Consumer complaint received 2017-11-03
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Absolute Mortgage Company, Inc. (NJ)

I was contacted by XXXX XXXX and XXXX XXXX through XXXX on XX/XX/XXXX. I was given a pre-qualification for a home loan from XXXX XXXX XXXX XXXX. on XX/XX/XXXX in the amount of XXXX. I did not find a home until XX/XX/XXXX and I contacted XXXX XXXX to update him on the home. Then I had to finish the paperwork to complete the process in getting the loan. The home loan was supposed to be for XXXX. XXXX XXXX contacted me on XX/XX/XXXX to tell me that my credit score went down. I was given a list of items to pay off in order to bring my credit score back up. After those items were paid and a receipt provided to XXXX, I did not hear from him again. My realtor and I both tried on several occasions to get in contact with him but received no response. On XX/XX/XXXX the mortgage commitment was due. On XX/XX/XXXX I called XXXX XXXX from my job and afterwards I received an email stating that he would provide an update of my loan to my realtor and the listing agent. I 've called and emailed him to get some more information so I could move forward to complete my loan but still no response. This mortgage company has put me in jeopardy of losing the purchase of this home and my earnest deposit. I am forced to start with a new mortgage company which has pushed my settlement date into XX/XX/XXXX. This company has been unprofessional and caused a lot of stress and money. They should not be aloud to operate a mortgage business.
Consumer complaint received 2019-06-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Arete Financial Group (FL)

The Company Arete Financial Freedom mislead me over the phone into paying them {$790.00} for a service that it could have been at free cost to me through my service loan department ( XXXX ). I already have a debt paying my student loan to begin with. What make them think that is ok for people to give them money that it doesn't go into my loan debt account. I could have pay this {$790.00} into my own debt and bring the cost down of my principal to bring payments and the cost of the loan lower. They made me pay an amount of {$260.00} once at month for the next three month which started back on XX/XX/2019. They told me over the phone to go over the forms and signed them without giving time to read the contract. If I had the time to read over the contract, I would've never pay them this money. This is a trick that they use to mislead people and student to pay money. If they really want to help with our debt, they could have told me to go thorough my service loan department at free cost. I have also summited a complaint with the FTC Ref # XXXX and, will be calling the state Attorney General as well. I have emails and forms sent to me by the company ARETE Financial Freedom that I can send to you guys whenever they are requested. Their number is XXXX-XXXX-XXXX-XXXX.
Consumer complaint received 2017-11-02
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NY)

I have an FHA loan for my home. When I purchased my property, because I live in a flood hazard area, I was required to purchase flood insurance, which I did. I have maintained flood insurance coverage for the entire life of my loan, and it is paid out of my mortgage escrow account. 

When the home was purchased, in XXXX XXXX, the amount of the coverage was approximately {$160000.00} with a {$1000.00} deductible, covering the principle amount of my loan with XXXX XXXX XXXX. The annual premium was {$2200.00}. 

Subsequently, Wells Fargo purchased my loan, on XXXX XXXX XXXX, XXXX they sent me a notice that said " at a minimum we require that you maintain flood insurance that is equal to 100 % of the replacement cost. '' I was advised that if I did not purchase the additional coverage myself, they would so on my behalf and increase my escrow payments accordingly. The initial increase in premium as a result was {$280.00} per year., to {$2500.00} In XXXX, the premium was again increased, to {$3200.00} XXXX as the replacement cost increased XXXX. 

In XXXX, the premium increased again to {$3400.00}. 

In XXXX the premium increased again to {$3900.00} And again in XXXX {$4100.00}. 

I discovered in XXXX, that Wells Fargo 's requirement that I maintain the full replacement cost coverage was in violation of the laws regarding insuring FHA properties. The law clearly has been, since at least XXXX has been : " The amount of flood insurance required must be at least equal to the lesser of : a ) The combined outstanding balance of all loans and maximum line of credit limit b ) 100 % of the estimated replacement cost value of the building ( XXXX ) determined by the hazard insurance provided c ) The maximum limit of coverage available under the XXXX XXXX XXXX XXXX " Meaning, for the last 4 years, I should only have been required to carry an amount equal to the principal. 

As of when I discovered this that principle was about {$140000.00}. I contacted my flood insurance provider, XXXX, in XXXX to reduce my coverage in accordance with federal law, their response was that coverage could not be reduced mid-term. 

As a result of Wells Fargo misrepresenting the law regarding the minimum coverage amounts, I have spent at least {$6000.00} more than I should have on my flood insurance, based on what I was initially carrying. Since the principle has gone down each year, my flood insurance premiums should also have been going down, so my total losses are probably more than the {$6000.00} estimate. 

When I contacted Wells Fargo to discuss this in XXXX XXXX, they took over a month to reply, and their reply was a perfunctory denial of my request for any relief and a denial that they done anything wrong. At this point, I feel that I have no choice but to file a complain with the CFPB.
Consumer complaint received 2019-01-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (ME)

I have been paying monthly for 10+ years. Since XX/XX/XXXX- Ive worked with XXXX with XXXX as a XXXX XXXX -and therefore my job qualifies me for PSLF. Ive been forced out of this program in the past as my income based repayment was at one time $ 900+ per month. Finally I received notification that my IBR would be  affordable- and so I enrolled again over 1 year ago for the PSLF . My payments last year were {$570.00} and now this year are {$470.00}. I am not making dramatically a different salary- so the fluctuations are a little weird- especially that when I first applied - my payment was {$900.00}. 

I checked this weekend to see where Im at with qualifying payments- it said 3!!! 

I just emailed them and havent heard back yet. My real frustration is that Ive made these payments since XX/XX/XXXX and have worked since XX/XX/XXXX in a qualifying area. I believe that they are playing games with me in The following ways : 1. Giving me a very high ibr when I initially enrolled. 
2. In the years after I wasnt enrolled because I couldnt afford it- I called almost every 6 months to try and find options that would make sense and that I could afford. 
3. Finally- after wasting several years not enrolled - I reapply and its affordable? Its basically the same payment I was paying? 
4. Now that Ive been enrolled officially into PSLF since XX/XX/XXXX- I only have 3 payments listed as qualifying? 
Help!
Consumer complaint received 2017-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TD BANK US HOLDING COMPANY (MI)

XXXX XXXX had recently filed a judgement against me in 2015 and by the time it had reached me it had went to an attorney and they had issued a writ against me. I tried on numerous occasions to rectify the situation and I took my case took court and the attorney admitted this was not my account so the attorney and the court located in the state of Michigan vacated the judgement but yet and still XXXX has refused to delete this item from my credit report.I would also like to recieve a deletion report within 24 hours of the resolution.
Consumer complaint received 2021-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AR)

On XX/XX/2020 I reapplied with XXXX XXXXXXXX XXXX in the amount of {$500.00}. I thought this would lead to the company deleting my old account from my credit report and I would be starting a new account with this company. I paid {$480.00} on XXXX XXXX, 2020 to the collection agency that had bought my account from XXXX. I also paid {$270.00} on XXXX XXXX, 2020 to XXXX XXXX the collection agency that acquired my account from XXXX XXXX XXXX, XXXX XXXX XXXX I have been disputing these items on my credit report to the credit reporting agencies as well as reaching out to the original lenders. Only for them not to acknowledge that a payment has been made to these accounts. I have also attached the receipts and proof of payments with my disputes to the reporting agencies only for them not to acknowledge that I paid my debts and the information they have on my credit report is inaccurate.
Consumer complaint received 2019-06-10
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (IL)

Synchrony Bank locked me out of my accounts so that Ill miss my payment due date. They do this so that they could charge customers late fees. I also have problems during payment process ( not applied fast enough ). After making a payment customers have to call the bank and request that their payments be applied to their available credit so that theyll have enough credit to make another purchase. Otherwise the credit will be applied one or two weeks after the payment is received.
Consumer complaint received 2017-11-03
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch (FL)

I Received A Letter From XXXX XXXX XXXX, Dated XX/XX/XXXX ... Stating My Account Has Been Assigned To Professional Bueau Of Collections Of Maryland, Inc ... .Stating I Had 30 Days In Order To Dispute This Debt Or It Would Be Deemed Valid ... .After Checking My Credit Report ... .On XX/XX/XXXX, They Had Added This Account To My Credit Report. I Have Never Had An Account With These Collection Agencies ... ..XXXX XXXX XXXX Or Professional Bureau Of Collections Of Maryland , Inc ... .The Account They Are Noting Was Lasted Reported In XX/XX/XXXX And They Never Gave Any Information As To Them Being The Rightful Owners Of This Debt Or Entering Into A Signed Contract With Me In The Payment Of Said Debit.
Consumer complaint received 2017-11-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Pan Am Collections, Inc. (KY)

Pan Am Collections repeatedly contacted me to collect a fee I did not believe I owed. Despite communicating with them regarding my dispute they continued to add fees to the original amount claimed. They made repeated phone calls including calling me and leaving a message from an unlisted number. They have proceeded to turn my account over to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  for collection despite my good faith efforts to confirm and resolve fees owed in a timely manner to the original creditor. They failed to correspond with me for over three months following final payment to original creditor to indicate that they still claimed I owed fees and instead turned my account over to the aforementioned law office. This resulted in additional fees from the law office. The fees charged by Pan Am Collections and XXXX XXXX XXXX XXXX XXXX  are inconsistent, unclear, and not supported by the terms of the financial agreement I signed with the original creditor leading to confusion regarding debt owed. This financial agreement specifically states that I owe expense incurred by " my provider '' in collecting balance owed. According to provider, this obligation was met when the XXXX  collection fee was paid. Finally, law office left message on XXXX/XXXX/XXXX requesting I call. The call was returned by me on XXXX/XXXX/XXXX. XXXX XXXX at law office claimed that a letter had been sent to me on XXXX/XXXX/XXXX confirming the debt I owed. I informed him that I never received any such letter from the law office, despite residing at the same address Pan Am Collections and XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX and XXXX have utilized previously.
Consumer complaint received 2019-06-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NV)

Approximately 6 years, I opened a Chase Bank Teen Account for my XXXX year old son so he could get direct deposit and have an ATM card. I was a co-owner of this account. All was well until XX/XX/2019. My son, now XXXX, is an XXXX XXXX  and uses APPs for deposits into his account. He became the victim of fraud by unauthorized withdrawals from his checking account, for {$900.00}, {$600.00}, etc. He contacted the bank and these withdrawals were reversed. He did not even have a balance to cover such withdrawals. Approximately XX/XX/XXXX, all was well with his Chase Account, then on XX/XX/XXXX, {$600.00}, {$400.00} and {$100.00} were withdrawn from his Chase account from an APP called XXXX. He contacted Chase and Chase told him since it was his APP, they would not reverse the charges. Once again, he did not have money to cover with fraudulent withdrawals which were not his. First, I don't understand why Chase would allow such withdrawals when there are insufficient funds in his account to cover such withdrawals. On Friday XX/XX/XXXX, I received a text from Chase stating my checking account had a low balance. I logged on and seen that Chase had transferred ALL my money into my sons account towards his negative balance. I called Chase and spoke to three customer service reps to no avail. Chase said they would give me MY money back if I signed an payment arrangement which I refused. I went to Chase on Saturday XX/XX/XXXX to speak in person to a Chase banking rep. I was told that since my name was on my son 's Teen Account, they had authority, without my knowledge or permission to transfer my checking account funds into the Teen Account. I am beside myself. First my son 's account was robbed, then my own personal Chase checking account was ROBBED by  Chase. Chase said they emailed and/or texted my son XXXX about his negative balance, however, if I was a co-owner of the Teen Account, I should have been afforded the same courtesy, a text or email so I could contact the Chase to find out what was going on. I don't fee this was right, to just empty out my entire checking account and leave me with a XXXX  balance when I had insurance payment ( s ) coming out. I had no choice but to close my Chase Account because I can not allow Chase to just transfer funds without my knowledge or consent. I feel a complaint is totally justified because as a co-owner of my son 's account, I deserved notice of the impending transfer which Chase refused to put back into my checking account, leaving me penniless until my next payday.