davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-26
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO. (MA)

I had an authorized user on my credit card. She started abusing the privilege, and so I promptly told the credit card company to remove her as soon as I could on XX/XX/2017 via secure message. That same day, I revived a secured message back from the credit card company, stating that she had been " removed as an Authorized User. '' Despite this, she has continued to make significant unauthorized purchases. The credit card company refuses to mark these significant charges as fraud, or to do anything to help beyond sending me a new card. Even after I spoke with the credit card company at length on the phone on XX/XX/2017, at which point they confirmed they would immediately cancel the current card and issue a new one, unauthorized charges still continue to be made on it. Please help.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2016-12-23
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

I closed on the home equity line of credit with Branch Manger XXXX of Citizen Bank branch # XXXX NY XXXX early this year. She knew I have funds available in the account. She asked to borrow money in amount of {$100000.00} with interest paid upfront in amount of {$3300.00} for time sensitive need, required in 72hrs while the other lander is charging her {$10000.00} up front fee in addition to interest. She assured at the most it will take 30 days but on the safe side I will give you 90 days promissory note.I reluctantly agreed. She transferred the funds from my account right then on XX/XX/2016 and pass me the copy of interest calculation which was done on XXXX (? ), I had the sinking feeling then that it may just be the planned withdrawal of funds!! 
30 days pass by, nothing happened. Promissory note given to me after repeated request but it had the different wording -- -no later than XX/XX/XXXX or upon the closing of the mortgage. That 's not what was mentioned to me at the time of transfer. 
XX/XX/XXXX passed by -- -- no funds came back to my account. i reported to regional manager, XXXX XXXX, he asked to see the point person, XXXX, the investigator, She promised to contact me as soon as possible but no contact came! Citizen Bank let go manager XXXX + XXXX ( person notarized the document and processed the transaction. Both knowing violated the bank-client relationship. No help from Citizen Bank to get funds back into my equity account, was bank money loaned to me, now I am responsible for the payment for next 15-30 years while the Manager, XXXX has the money with no certain date to return!!!
Consumer complaint received 2016-12-10
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Halsted Financial Services, LLC. (AL)

Halsted uses automated dialers to call me repeatedly from spoofed phone numbers. They call & as soon as I answer they hang up. Sometimes they call & hang up as much as 3 times per day. A few of the phone numbers they have used are XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. Halsted also refuses to give me a mailing address so I may send them a cease & desist contact letter.
Consumer complaint received 2016-12-09
Product: Credit card — 
Issue: Other fee — 
Company: FIRST HORIZON BANK (TN)

I had a fraudulent charge on my account and First Tennessee cancelled my card and reissued me a new card. When they did this, they cleared all of my electronic account statements so that I no longer could see my old charges. When I asked about obtaining the statements ( that I never received in paper I do n't think, as they were only provided to me via the site ) that told me I needed to pay {$7.00} per statement. I explained that I still have a credit card account with them and explained why that card had been closed. They advised it made no difference and that I needed to pay the $ XXXX. This does not seem fair, to close an account because of fraudulent charges and then tell me I no longer can access my old statements without paying {$7.00} for each month I need to see.
Consumer complaint received 2016-11-18
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: CNG FINANCIAL CORPORATION (CA)

Three years ago I was contacted by phone by an online payday loan company. I was told I had made a {$700.00} online loan which had been deposited into a XXXX XXXX account. I told them I did n't borrow money nor did I have an account at XXXX XXXX. I contacted the Federal Trade Commission who took a complaint and told me it was best not to engage callers. 
The " collectors '' called me several times over the next year, each call from a different company saying I owed more and more. I assumed they were selling my name to the next con artist. But in the last year one company has consistently called me threatening to take me to court. I told them that I welcomed a court date so they could prove this debt I did n't make. They then began sending bills for {$6700.00}, and periodically calling. 
The other day I called my mortgage bank to get info on a refi and was told there was a {$6700.00}. collection on all XXXX credit reports. 
The Company is XXXX XXXX XXXX. 
I have n't tried to contact these people, because it 's not my debt and they do n't want to hear that. They just want you to pay anything they can get. I have contacted XXXX and disputed the debt, I was told I should hear something with in 30 days. They have ruined my credit rating and may potential cost me in higher interest rates.
Consumer complaint received 2016-12-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

My wife XXXX XXXX went to apply for credit at XXXX XXXX XXXX XXXX, XX/XX/XXXX. We usually get 's a text message letting us know that we applied for credit. However, the inquiry went to my text message, and credit and not my wife 's credit. I do n't understand how my wife 's information with her social security number is going to my credit report. This should not be happening. I contacted the Credit Reporting agencies and they are not doing anything about it and they told me that it 's legal to merge our credit reports and I disagree with this. My wife is her own person, and I am my own person, our credit reports should not be merged at all. I want them to fix them immediately. This is affecting me and my husband 's credit report and obtaining credit. When I put my SSN in for credit it should not be reporting to my wife 's credit and her should not be reporting to my credit report. XXXX just recently changed my name to my wife 's name on my credit report, I do n't understand that. This is affecting both of us really bad. This is illegal, we never gave them authorization, to change my name to my wife 's name. I need all of this cleared up from happening again. This is causing us a lot of problems with our credit. I have so many inquiries that are not mines, and she has so many inquiries that are not hers. Please help us, someone must be accountable for this.
Consumer complaint received 2017-01-26
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (CT)

I graduated college XX/XX/XXXX and acquired several student loans with my parents in order to qualify for my financial aid. At first I chose to defer the loans when they were with XXXX XXXX. XXXX XXXX had my loans grouped into XXXX groups-Department of Education, Federal, and Private. After paying for several years the loans were transferred to Navient, which has been a complete nightmare. XXXX XXXX was bad, but Navient is absolutely awful. My main problem is that I have a very high amount of debt that is privately held, which there are little to no options available to me. When I heard the CFPB was involved in a lawsuit with Navient I needed to voice my concerns. I feel like I literally will be working my entire life just to pay them off. My loans are now in XXXX categories similar to that of XXXX XXXX. I was in a car accident XX/XX/XXXX and fell behind on payments. After months of negotiating and seeing what I qualify for I had to give Navient my bank statements and my parents. They went line by line and questioned everything. One of the representatives even said " Wow that is a lot of money to be spending at the gas station. '' She was referring to my father 's account as he drives from XXXX to XXXX every day for his job. I finally was approved for a rate reduction program for the Private loans and placed the other loans on Forbearance due to hardship. To this day we receive stacks of mail correspondence, daily phone calls, emails, etc. even though everything should be up to date. I have had a breaking point as I realize that now at XXXX years old with almost 90 % of my debt privately held I will never be able to qualify for a mortgage, it has ruined my credit, and my payments are always messed up. I do not contest the fact that I owe money for my education, but coming from a banking background I find it amazing that a loan was underwritten for the price of a home at the ages from XXXX-XXXX, but could not legally get a credit card. I often wonder how did they per-qualify us for these astronomical amount of debt? I would really like to continue to my life, pay off a fair amount, and contribute to our economy as I move forward in life.
Consumer complaint received 2017-03-24
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I contacted the BBB regarding a mis-reporting of my credit score from TransUnion LLC. They report to me XXXX credit score that falsely leads me to believe I am in " fair '' market value for obtaining credit or a loan, but then they report a totally different score to the lender or creditor. This is " Unfair '' credit reporting and biasly misrepresents my credit worthiness. The score they report to me, should be the same score reported to the lender or creditor. 
Both the BBB and TransUnion completely side-stepped the issue and the only resolution they offered was to send me a " free '' credit report. 
I have also contacted them regarding a credit reporting from a " claimed '' creditor that indicates I owe them money for a rental property from 2013. I did not owe the money then and disputed it with the creditor. The creditor refused to show " proof '' that I owed and they never acted on their claim ( i.e. filing suit to obtain a legal judgment making me responsible for said amount ). I have asked for proof of Court Ordered Judgment stating that I owe this creditor, but they refuse to produce or admit that they actually have one. Without this proof, they have no legal right to place this item against my credit. I have repeatedly asked for its removal as there is no proof that it is my responsibility to pay, but both TransUnion and the creditor will not comply. Again, this is " Unfair '' credit reporting and in direct violation of the FCRA and consumer protection laws.
Consumer complaint received 2016-12-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

I disputed a late payment from XX/XX/XXXX with XXXX on Trans Union. I provided documentation showing where the error was on their part. XXXX had agree to remove the late pay on their system based on this documentation. Trans Union did not remove it on my file. This is NOT MY ERROR. If the lender agreed to remove it, why did Trans Union leave it on my file after the dispute?
Consumer complaint received 2016-12-09
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: ALLY FINANCIAL INC. (IL)

I set up a permanent recurring online transfer, once every six months between Ally Bank and an external account without limiting it to a number of transfers or an end date. I received an email alert stating the following : " Ally Bank Alert Ally Hello, XXXX XXXX There 's only one more scheduled transfer for your recurring plan. 


Amount : {$0.00} From : Ally Bank, Checking To : XXXX " Ally Bank refused to contact me with follow up information and demanded instead that I contact them repeatedly until they figure out the issue. This bank has made repeated egregious errors which I have previously reported to the CFPB and has demonstrated a consistent inability and unwillingness to address or resolve them.
Consumer complaint received 2017-03-24
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: DriveTime (TX)

The company I bought my car from is Drive Time. This company is constanely saying that i am further and further behind and this evening they called my landlady about my bills, thats it I 'm done with them. I know that from your alerts, that this company is already under a 5 year watch and only 3 years into it. My contract with them says I am to make bi-weekly payments, but ever since the 2nd month of on time payments, they have been requesting more and more payments. I have had to break my payments down to weekly payments, just to get them off my back & they still call!?! They sometimes call from a company called XXXX, this company according to the BBB does not exsist & has not had any sign of activity since XX/XX/2013, please do something about them.
Consumer complaint received 2016-11-18
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Shellpoint Partners, LLC (MN)

My situation started XX/XX/XXXX when I finally separated and moved out of the house, during this time I provided a total of XXXX mortgage payments, some of which where directly debited from my business account. Because of issues with my ex wife signing check out of the account without authorization, I came to an agreement of providing her with monies for the mortgage and needs for my kids. Mortgage payments never made it to XXXX and instead I found out later by my daughters that the house was going on foreclosure by the somewhere around XXXX XXXX. I contacted XXXX immediately and told them of my situation and ask for help. I was then contact by an organization Located in XXXX XXXX MN that stated needed my signatures for a modification being sought by my ex wife. I attended the place and signed paper work, but I never heard from them again. It was then XX/XX/XXXX, when I contacted XXXX again to find out, whether a modification had been done or what the status of the property was?. I found out that my ex wife was going trough bankruptcy, that the foreclosure process was not possible until some legal terms where met, I told XXXX many times I was not in bankruptcy, but again they say there was nothing to do but wait, however, they say to apply for a modification, which I did the XXXX. I did apply 3 times XX/XX/XXXX as paper work was either incomplete and or wrongly filled out, same happen in XX/XX/XXXX 4 times and XX/XX/XXXX 3 times XX/XX/XXXX 1 time. now XX/XX/XXXX is about to end the house is being sold on XXXX XXXX XXXX by the sheriff as I understand and many tries after trying my best to modify this loan I will loose a house I always intended to keep. I explained XXXX, Resurgent Mortgage and Shell point mortgage, to please give me a viable path to catch up, to put the existing debt on back of the loan, anything other then t=come up with a huge amount of money to bring the loan current. The most frustrating information on this case of mine is that I was never denied until the year XX/XX/XXXX, because I simply make to much money. I have a hard time understanding this process, being able to make payments disqualify me? being able to provide and be responsible takes me out of the favorable result of a modification. I have counted at least 17 time that I have tried for a modification, one single time of those I was denied for the reason already mentioned, this have to be a unique case? a single out case? or I do n't know what to call it. Please I bag like I did form the beginning, give an opportunity to keep my house and to work together with the bank to find a favorable solution to this modification, for me to be able to provide a roof for all my love ones that depend of me.
Consumer complaint received 2016-05-12
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

Hello, XX/XX/2010 I got a discharge letter from XXXX, AZ for XXXX XXXX. 
Couple of weeks ago ( after 6 years later ), I got a phone call from XXXX phone number @ XXXX. 
Saying that I have unsatisfactory case from Bank of America credit card amount of {$10000.00} that I owed and asking for settle amount of 50 % otherwise they will get a judgement and sue me .... 
I thought this account might have missed during the bankruptcy. After checking my file from the attorney and credit report that I pulled after 3 month later after bankruptcy, it clearly said that this account was " Discharged through Bankruptcy Chapter XXXX '' So, I called back to them trying to avoid unnecessary future hassle and I informed them about the discharge. Now they are saying to me that " This particular account 's discharge was fraud, therefore The bank of America sold this account to us to recover their loss '' also said there was breech of contract that I violated with BOA for this account in order to get a bankruptcy and asking me XXXX % of settlement instead of XXXX %. They basically told me that there was fraud on my discharge. But I did everything legitimately through my attorney and had no problem at all for 6 years.Is this scam? 
I needs some advise on this please. They said today is last day for settle and it really bothers me
Consumer complaint received 2016-08-09
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (PA)

In XXXX XXXX, my ex and I purchased a home via a mortgage through XXXX. My mortgage loan was eventually sold to OCWEN. My ex and I decided to separate in XXXX XXXX. I moved out of the house in XXXX XXXX. I stopped paying the mortgage in XXXX XXXX. My ex stopped paying the mortgage in XXXX XXXX. In XXXX XXXX my ex was employed and decided he wanted to refinance the house to take my name off the mortgage. To help this process, with the advice of my lawyer, I filed a quit claim deed to the property and no longer have any claim to the house. OCWEN did not approve the refinance. As the joint debt is the only hurdle that is in the way of finalizing our divorce, in XXXX XXXX, he decided to file for a deed in lieu of foreclosure. He was told this should take about 90 days maximum. My lawyer told me the same. It has been two years now since the deed in lieu process was started and OCWEN has made it obvious that they have no plans to settle this matter. My ex and I have called them separately hundreds of times in the past two years. My lawyer has called them several times. Every time they speak to us, they have a new excuse as to why the file is being held up ( examples : the VA has to approve, OCWEN has another walkthrough planned, there is a tax lien two years after the last party vacated the property, and many more excuses ). Recently, through a web search for the county property records, I found out that OCWEN has had ownership of the property in question since XXXX XXXX, XXXX. It seems as if the house has been foreclosed on already, yet they will not process the deed in lieu or offer any other way for us to get this problem settled for a home that neither of us have any claim to. Please help!
Consumer complaint received 2016-12-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (WA)

I have had homeowners insurance on our loan since we bought our house approx. 13 years ago. we changed insurance companies to state farm insurance. we changed XX/XX/2015. we were double covered until the end of the month. we have not had our insurance laps. America servicing company had been reported that we were changing and the new policy was sent to them by state farm on XX/XX/2015. I got lender based insurance info sent to me by them so I contacted them again and gave them the insurance company, and policy number, called state farm and had the policy resent to them. Come to find out they set up a escrow account and started charging me more for my payments. They have been contacted at least 7 times on this. They have taken extra monet from me which I feel they stole from us on a fraudulent basis. They were asked if they would give me a copy in writing on how long they have been taking it and I have been dealing with this for months with the mortgage company still not giving me the paperwork. I have had insurance and I want the money back they took from me on a fraudulent basis. I keep getting passed around to case managers on this just delaying it and it seems like hoping I will just give up and let it go. They took money from me on a fraudulent basis. I do n't care if it was {$0.00}, they were not entitled to it. I was insured.
Consumer complaint received 2016-05-12
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (CO)

I have a 3rd party authorization in place to handle this on behalf of the owner, XXXX XXXX XXXX. I am her Realtor and she has granted me and submitted to Chase Bank, this 3rd party authorization. She was in arrears on her mortgage with Chase. She worked diligently with them and filed bankruptcy and it was all straightened out in XXXX 2015. The HOA had a lien against her in the amount in excess of {$7000.00}. Chase paid it off and this took it out of foreclosure status. However, on XXXX XXXX 2015 she received notice that the house still went to foreclosure sale and she no longer owner the property. She contacted Chase, who continued to tell her to do nothing - her mortgage was fine and they paid off the HOA. She recently suffered XXXX XXXX, is XXXX and spent 30 days in the hospital and rehabilitation center. When she got out, she arrived home to find an XXXX County Judge approved the locks be changed on her home and she could not access it. She was told the foreclosure took place in XXXX 2015. She has never received any constructive notice of a foreclosure, has no second mortgage and Chase continues to insist they have the current mortgage in good standing. She has attempted to get Chase to look into a possible improper foreclosure but they say they do n't have the ability to escalate it since it is current. She is without a home and all of her belongings are locked up in a house she is told a judge wo n't let her into.