davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-06-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (TX)

I have gone through a bankruptcy chapter XXXX. I have XXXX houses that had debt discharged. Neither house went through foreclosure. Experian is reporting the bankruptcy as a foreclosure on the house loans which is NOT correct. I have asked them to change the coding to reflect a chapter XXXX, however they refuse to change it.
Consumer complaint received 2015-06-30
Product: Credit card — 
Issue: Rewards — 
Company: JPMORGAN CHASE & CO. (FL)

To begin with I received the following mailer in XXXX 2015 - '' Exclusively for Marriott Rewards Members - Elite XXXX Program offering XXXX bonus points with the Chase Visa Credit Card when you spend {$2000.00} in the first 3 months '' - Around the middle of XXXX I called the toll free number XXXX and requested for the Marriott Visa Card. 
The Lady accepted my request and applied for the Chase Visa Credit Card from Marriott Rewards ( subject to approval ) and said that I should receive the card in 1-2 weeks. I clearly discussed the XXXX bonus point option offered by this program and expressed the fact that the only reason I am applying for this Card is because I will spend the {$2000.00} within the first 3 months/billing cycle and want to avail the XXXX elite points on my Marriott Rewards card. 
I received the new Marriot Visa Card from Chase around XXXX XXXX by first class mail. I called to activate the Card on XXXX XXXX and started spending on the card. From XXXX XXXX through XXXX XXXX I made purchases in the amounts of over {$6000.00} - BUT TO MY SURPRISE I was only given XXXX elite points in my Marriott Rewards Account and NOT the XXXX points as promised. 
I first called Marriott Rewards and the Chase XXXX customer service around XX/XX/XXXX and complained the fact that I only see XXXX points instead of XXXX and they said to wait for a few more weeks. On XXXX XXXX I again double checked and called back to talk to the manager XXXX who said that he is going to send an email right away requesting for the additional XXXX points. Nothing happened after that - So once again I called both the Chase Card Customer service and requested for a manager. The super visor XXXX came on the call and said that I had signed up for the {$1000.00} / XXXX Bonus Points program and not the XXXX program - which is NOT TRUE because the number I called ( given in the mailer above was dedicated for the XXXX program ). So I called the same number XXXX again and put both the parties in Speaker and clarified the fact that this number which I had called in XX/XX/XXXX to sign up for this Marriott Card is dedicated for the XXXX program and so I did not do anything wrong on my part. 
I have been with Marriott Rewards as a Platinum member for over 7 years as I used to travel every week. Last XXXX years due to the nature of my contract I was working remotely 95 % of the time hence my Marriott Status dropped down and the only reason why I signed up for this program is to hike the points/status. 
I find this simply a utter mis-communication between XXXX and Chase and I should not be the one suffering for this. 
My Rewards number is XXXX and my contact number is XXXX
Consumer complaint received 2015-12-29
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

I was approached by a XXXX XXXX XXXX XXXX ( NMLS ID # XXXX ), a loan officer with my current mortgage lender ( HSBC ) with an offer to refinance my home under the HARP program. I had recently looked into the program and do not believe I qualify but the man assured me he could get it done. We spoke twice and he pressed at a 15yr loan. I asked him for other options and he told me he would get back to me. I never saw any other options. 
I immediately received an email containing an " e-sign invitation '' to sign and submit documents online which I refused to do, and then an email informing me that he had submitted a pre-approval on my behalf ... something I did not authorize. Following that I received ( by mail ) a notice about my " credit score and the price you pay for credit '' disclosure, this letter included an XXXX score and my " new loan number '' even though I have not applied for a loan. I never asked him to pull my credit score and never signed an authorization for him to do so. I also received ( by mail ) a " loan estimate '' outlining the single option he seems fixated on ; a 15 yr fixed-rate loan. I was never offered the other options I requested. The letters and documents are attached as PDFs. 
Days later I received ( by mail ) a letter that my " home financing application '' has been pre-approved, even though I never applied for anything. The same day I received ( by mail ) a package of compliance disclosures with many places for me to sign. 
I have to say I believe this man I have yet to meet is proceeding a very long way towards refinancing my home without my participation. I believe his actions to be unethical at best, and would like to know how it is possible for such behavior to exist in our tightly-regulated financial system.
Consumer complaint received 2024-09-01
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. (GA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-09-01
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: Experian Information Solutions Inc. (IL)

XXXX XXXX XXXX Auto Loan with account # XXXX opened on XX/XX/year> and a balance of {$10000.00}. 

In accordance with the Fair Credit Reporting Act 15 USC 1681 S-2 section ( D ) ( A ) the term reasonable cause to believe that the information is inaccurate means having SPECIFIC knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of the information. This account has been resolved and deleted due to inaccuracy and no provided proof of the charges by the other national consumer reporting agencies ( XXXX ) so where is EXPERIAN proof of the charge offplease provide the proof and update the balance to {$0.00} or delete the negative payment status on this account. 


XX/XX/XXXX Secured Loan with account # XXXX opened on XX/XX/year> and a balance of {$0.00}. 

I dispute the missed payments and late payments on this account ; in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 0 2 states I have a right to privacy ( 15 USC 1681 section 6 0 4 a section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666b a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose. 

Collection account fromXX/XX/XXXXXXXX with account # XXXX and a balance of {$1700.00}. The original creditor XXXX XXXX. 

I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it OR delete this account.
Consumer complaint received 2016-03-21
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (CA)

My mortgage servicer, SLS, has put insurance on my property since they claim I did not have coverage. My agent sent them information at least 3 times and no one at the company looked at the information nor notified me that they needed proof of other coverage. I had the condo association coverage sent to them. They wanted my personal coverage. I have always had coverage but by the time they finally said I had sent them the wrong information they had already put expensive coverage on my loan and started an escrow account. They want to charge me over {$1000.00} for coverage which has cost me only about {$200.00}. I called about this and the woman on the other end hung up. I think they do this as a total rip off to the customer. I am sure they earn a big commission on this very expensive policy which really does n't have much coverage for them. The main condo building policy is the most important which was sent to them 3 times.
Consumer complaint received 2015-06-30
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: WAKEFIELD & ASSOCIATES, INC. (CO)

ATTN CFPB REF XXXX THIS IS NOT A DUPLICATE COMPLAINT THIS IS IN RESPONSE TO WAKEFIELD & ASSOCAITES LETTER THAT WAS ON YOUR SITE FOR ME TO REVIEW. ALSO I WOULD LIKE TO MAKE YOU AWARE THAT WAKEFIELD AND ASSOCIATES HAS LEGALLY FAILED TO RESPOND TO ME BY THE DATE THEY SAID THEY WOULD IN THIER RESPONSE TO THE CFPB PORTAL. THIS ILLEGAL TRADE LINE SHOULD NOW BE COMPLETELY DELETED FROM MY CREDIT REPORTS. 

WAKEFILED AND ASSOCIATES I AM ALSO REQUESTING THAT YOU PROVIDE ME WITH A LETTER OF DELETION TO THE PORTAL. I WILL ALLOW YOU 72 HOURS TO CONTACT THE CREDIT BUREAUS, BEFORE I FILE MY LAWSUIT. 


This Complaint is being Filed against Wakefield & Associates in response to the above reference account that Wakefield & Associates has reported and listed on all three major credit reporting agencies ( XXXX, XXXX, and XXXX ). Please be advised that this is not a refusal to pay, but written notice sent in pursuant to the Fair Debt Collection Practices Act, 15USC 1692g Sec. 809 ( b ) that your claim is disputed and VALIDATION is requested. 
This is not a request for " Verification '' or proof of my mailing address, but a request for " VALIDATION '' made pursuant to the above named Title and section. I respectfully request that your offices provide me with competent evidence. 
Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any documents that show I agreed to pay what you say I owe ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; Provide me with your license numbers and Registered AgentAt this time I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX, and XXXX ) this action might constitute Fraud under both federal and state laws. Due to this fact, if any negative mark is found on any of my credit reports by your company, or companies that you represent. I will not hesitate in bringing legal action against Wakefield & Associates for the following : Violation of the Fair Credit reporting Act Violation of the Fair Debt Collection Practices Act Defamation of character
Consumer complaint received 2015-06-30
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PNC Bank N.A. (NJ)

I recently be came informed of the National City Bank settlement, which charged XXXX and XXXX borrowers higher prices on their mortgage loans between XX/XX/XXXX-XX/XX/XXXX. According to the National City Consent Order Administration, I was told today that since my name and address was not listed, therefore, I was not sent a form package to submit by their deadline XXXX XXXX, XXXX. It seems that both National City Mortgage omitted me from their package information distribution settlement ; although I paid 6.75000 % interest in XX/XX/XXXX and in XX/XX/XXXX paid 8.7500 % on a fixed mortgage according to my print outs from their website. During this period, multiple changes of account numbers, multiple payments to National City Mortgage and countless issues. 
All long, PNC Bank, negotiated the acquisition of National City Mortgage purchased in XX/XX/XXXX, but did not reveal itself until XXXX XXXX or XX/XX/XXXX to its ' borrowers. And I am facing Foreclosure under PNC Mortgage with no relieve in XX/XX/XXXX. 
As for the settlement, if the borrowers were not made aware of the settlement by National City Mortgage and PNC Bank was fully aware of this response time frame as well ; why was this information not disclosed to all borrowers. It seems that non-disclosure limited their liabilities to select who they were reimbursing the XXXX settlement. Why was I not informed nor participated in this settlement.
Consumer complaint received 2024-09-01
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: Experian Information Solutions Inc. (CA)

Delete this account XXXX XXXX XXXX # because the Date of Last Active is inconsistent. 
XXXX XX/XX/2023, EXPERIAN XX/XX/2023, XXXX XX/XX/2023. 

Please send me a new report reflecting these changes. 

Thank you XXXX XXXX XXXX
Consumer complaint received 2015-06-30
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

I began a Mortage modification on XX/XX/XXXX. SPS continued losing documents and did not send a letter confirming having recieved all the documentation until XXXX XXXX. SPS did a property evaluation in XXXX, XXXX XXXX and XXXX. In XXXX they sent a letter stating that I withdrew the request on XX/XX/XXXX which is incorrtect. SPS claimed that they were going to excellerate the modification several times due to their error. The error of not prorperly precessing the modification. SPS did nothing but require me to resubmit an entire package again. SPS is delaying the modification thus forcing the boworroer to pay higher interest than with a modification in place. The borrower has been forced to accumulate high interest cost due to the slow modification process and SPS inabilty to contact the owner and inform him of modification availible for investment property in a timely manner. These factores have eroded the equity the owner had in his property and gavin it to the lender.
Consumer complaint received 2015-06-30
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: GLOBAL CLIENT SOLUTIONS, LLC (IL)

I filed a Chapter XXXX Bankruptcy on XXXX/XXXX/XXXX with XXXX Bankruptcy XXXX. My discharged date was XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, I received a call from Global Solutions, XXXX. They are representing a payday company. I asked her who is the company but she said it so fast I did not understand her. They also called my son. I called them back on XXXX ext. XXXX an spoke with XXXX. I advised her that I had filed a Chap.XXXX She advised me that I had committed fraud. I hung up on her. She proceeded to call me back but I did not answer the phone. The phone rang at least 10 times. I called the lawyer that I had file the Chap-XXXX with and was advised to report my complaint to you because it was a scam. Please help me.
Consumer complaint received 2024-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I recently reviewed my credit report and noticed an account that was not reported accurately. I have a missed payment on this account ( XXXX XXXX XXXXXXXX ) that I in fact paid on time.The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments Ive attached a copy of my report to the complaint on the following dates ( XXXX ) Im now requesting Experian investigate and provide verifiable proof with records showing that I had a late payment. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.
Consumer complaint received 2015-06-30
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Selene Finance LP (GA)

There has been non disclosure and various instances of fraud. There has been illegal loan assignment and transfers. SELENE FINANCE is attempting an illegal foreclosure. I have received and NOTICE OF DEFAULT with intent to ACCELERATE. They have not answered any questions or proven they have standing to foreclose. 
Issues that Caused irreparable damages:1. Security deed has fraud on its face and is forged. 
2. Contract based on fraud due to none disclosures. 
3. Notice of default sent prior to assignment ( 2010 ) 4. XXXX XXXX was never given 30 day notice prior to the scheduled foreclosure sale5. Foreclosure Sale date set without ownership6. Assignment filed with forged document7. Assignment has fraud on its face8. Assignment appears to be robo-signed9. MERS transferred Security Deed without express written authority from owner10. MERS transferred Note without express written authority from owner11. XXXX accepted fraudulent and forge assignment and file into the public record12. XXXX stated XXXX XXXX is owner of loan/note13. XXXX XXXX has not responded to my correspondence14. I XXXX XXXX the owner of the home was forced into bankruptcy due to fraud and forgery. 
15. XXXX is servicer and according to Federal Law a servicer can not be an assignee. 
16. XXXX is currently fraudulently being paid thru XXXX XXXX existing chapter XXXX bankruptcy17. XXXX has committed perjury in XXXX XXXX chapter XXXX bankruptcy by stating they are the owner. 
18. While in litigation with XXXX and waiting for answers to my various questions XXXX abruptly and illegally transferred the loan to SELENE FINANCE. 
19. SELENE FINANCE is servicer and according to Federal Law a servicer can not be an assignee. 
20. SELENE FINANCE stated XXXX XXXX is owner of loan/note21. XXXX XXXX has stated to me verbally that they do not own any loans22. SELENE FINANCE is currently fraudulently being paid thru XXXX XXXX 's existing chapter XXXX bankruptcy23. SELENE FINANCE has committed perjury in XXXX XXXX chapter XXXX bankruptcy by stating they are the owner.
Consumer complaint received 2015-06-30
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

We have a Bank of America credit card for many years now. Every month I set up the payment to be taken from our checking account ; usually for the full amount due. This month, XXXX 2015, I set the amount to be paid ( {$8700.00} XXXX to come out of our checking account on XXXX XXXX, the due date. It did. The total amount due was {$8700.00}. On XXXX XXXX, they also deducted another {$8700.00} from our checking account. Fortunately, we had just sold our house, so we had money to cover the double payment! I called them on XXXX XXXX and asked them to put the money back. I was told it would take XXXX business days to do so. It finally reached my bank, this morning, XXXX XXXX. We were never given an explanation on how this happened, compensated for the use of our money, which I feel is only fair. If we had not sold our house, this would have put our finances and other payments taken from our checking account in serious jeopardy! My greatest fear is that this might happen again with them. I will be canceling our credit card within the next month. Thank You
Consumer complaint received 2015-06-30
Product: Credit card — 
Issue: Other — 
Company: TD BANK US HOLDING COMPANY (NJ)

The creditor TD Bank USA/Target Credit is reporting an incorrect first delinquency date on my XXXX report. This account has aged off on both of my XXXX and XXXX reports. I have tried disputing it a few time through XXXX but the account keeps returning that the information was verified and belongs to me. I have also spoke with reps from XXXX dispute department trying to explain to them that the account is reporting the wrong date and should of aged off my credit report. The only feedback I get from them is to contact the creditor direct. So I called TD Bank/Target today and spoke with a rep from their corporate headquarters that deals with credit accounts. She advised me that this account no longer has any history with their department and to dispute it. I stated to her that I have disputed the account a few times and that someone in her company is verifying the information as being correct. Then I requested if I could have her send me a letter stating that the account no longer has history, so I could use it to submit to XXXX, ; she refused. Then I asked her how is it that you are claiming there is no history available on this account but yet some how its being verified. She could not answer the question. So I politely asked if I could speak to a supervisor that deals with the credit agency disputes and she got nasty and told me she must release this phone call and good luck. 
By Law this account should of aged off after 7 years of reporting and it has n't due to TD Bank/Target reporting false information.
Consumer complaint received 2016-01-12
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (AZ)

On the XXXX/XXXX/XXXX someone did a fraudulent wire transfer from my Business account at Chase Bank. The amount of the wire was {$40000.00} Chase bank approved the wire, debited my account and to this day XXXX/XXXX/XXXX they have not credited my account. 
The company the wire was sent to ( XXXX XXXX XXXX XXXX XXXX ) does not exist. 
Chase Banks claims department has informed me that the claim has been denied.
Consumer complaint received 2015-06-30
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: CITIBANK, N.A. (VA)

I had a Macy 's American Express card and someone stole my credit card information and charged over {$2000.00} to my card on XXXX XXXX, 2015. I was alerted by Macy 's of the situation and they closed the account, sent me a new card and asked me to fill out the appropriate paperwork and send them a copy of my driver 's license. I did everything they have asked me to do. The charges are still on my account along with late fees and interest. I have called them several times and they said it may take 90 - 120 days to clear. In the mean time I have been getting harassing phone calls by XXXX multiple times a day from Macy 's. They call my office, home and cell phone. I find this all very disturbing that this is not cleared up by now. I have a XXXX credit card also and when I have had fraud on it, it is cleared up within a week. I do n't know what else I can do at this point. They have dinged my credit and I have sent them a letter about all this. I do n't feel as a consumer who was a very loyal Macy 's customer for years that what they are doing is appropriate and I am very frustrated with their whole process. They are wasting my time and their 's.