davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-28
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (IL)

I believe that do to my senior age and veteran clearly discrimination. Falling to honor there promising XXXX and XXXX house payment home appraisal quicken loans as failed to go thou with loan should fallow thou with promises {$3.00} XXXX dollars a year for 30 years.This complaint is about Quicken Loans primmest me XXXX and XXXX house payment plus to have a lower interest rate plus to save over, I was told I was approved for the loan did all the paper work via e singular went all the way up to closing. And has failed to tell me why. 

Quicken Loans www.quickenloans.com Visit site Thank you for working with us! 
XXXX / Inbox XXXX XXXX from Quicken Loans XXXX To : XXXX Wed, XX/XX/XXXX at XXXX XXXX Hello XXXX, We have been trying to reach you in order to proceed with your home loan. Unfortunately, due to regulations, we can no longer keep your loan in process. Your loan will be withdrawn today and the deposit will be processed if applicable. 

Please give me a call at XXXX XXXX XXXX XXXX, XXXX if you would like to revisit your opportunity to refinance. 

Sincerely, XXXX XXXX Solution Consultant XXXX Phone : ( XXXX ) XXXX ext. XXXX Fax : ( XXXX ) XXXX ( Please reference your loan number on the cover sheet ) NMLS # XXXX XXXX XXXX XXXX would like to start a support session with you. To do so, please click on the link below and follow the online instructions. 

XXXX XXXX XXXX  XXXX Quicken Loans remote support enables a team member to view your screen in order to assist you. Session traffic is fully encrypted to protect your system 's data. Once a session has begun, you will be able to end it at any time.
Consumer complaint received 2024-02-07
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (NY)

I called Chase about this additional charge some years back to get an explanation. They said it was due to an overdraft fee I had over 6 years ago that they don't even have documentation for anymore. 
I confirmed that I haven't overdrawn any of my accounts in years and if I did, I would have paid for that fee and purchase I made a long time ago. They said that they only way I could get rid of it is if I pay the balance of the card. 
I finally called again this year on XX/XX/XXXX and asked about it again since it didn't make sense the first time. This time they said that it was related to a loan/promotion/plan but again, I don't recall this and there is no record of this on my end and apparently not on theirs either. 
This interest charge has been on my account for 6+ years and has made it almost impossible to finish paying this card. As of the last six months these are the charges in addition to the regular interest charge of the card. 

PROMOTIONS/OTHER INTEREST CHARGE XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX I'm requesting the documentation of this overdraft fee, which I would have paid years ago and should not be getting interest on. If it was a promotion, I want documentation that shows when and how I willingly approved or accepted this loan or plan. If neither of these exist, then it will be clear that they made mistake, these charges are not justified and that they will refund this money from years of unsubstantiated interest charges back to me.
Consumer complaint received 2021-04-28
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: ALLY FINANCIAL INC. (NY)

I have been a victim of identity theft. This has been an ongoing issue with the creditors along with the credit bureaus that I have worked with them trying to rectify these issues of fraudulent accounts. For over 1 year I have submitted multiple disputes along with providing all required documentation to support my dispute. I have provided the creditor and the credit bureaus with the police report, Official FTC Report, Drivers License, utility bill to support my unprecedented situation of Real Victim Identity Theft. As a result 2 of the 4 fraudulent accounts were removed on two different occasions. Since then has popped back onto my credit report due to the creditor resolving the accounts as fraud, then deleting the accounts after which they are selling the debt to a collection agency which then reports the same fraudulent account back to the credit bureaus and re reporting of each takes place. I have spoke to a multitude of different representatives and supervisors looking for assistance to get these accounts that I have NO ASSOCIATION with removed once and for all. I have been given little assistance with these matters and close to no response back at all at this point. This is ruining not just my credit, but this ongoing issue has ruined my life. Below you can find the account names and opening date and amount! 

ALLY FINANCIAL opened XX/XX/XXXX {$24000.00} XXXX opened XX/XX/XXXX {$31000.00} ( Chase ) XXXX XXXX XXXX opened XX/XX/XXXX {$4400.00}
Consumer complaint received 2021-04-28
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: JPMORGAN CHASE & CO. (AR)

I financed my vehicle through Chase Auto Finance. On XX/XX/2020, I received notice in the mail that Chase 's lien on my vehicle had been satisfied and that my account had been paid in full. However, since releasing my lien, Chase has failed to deliver the vehicle 's title to me. I have tried contacting Chase several times to inquire about having the title mailed to my current mailing address. Each time, various different Chase representatives tell me that they will look into the matter, that they will mail the title to my address, or that they will call me back later. None of this has ever happened. As a result of Chase 's inaction and failure to deliver the title to my vehicle, I have neither been able to drive my vehicle nor even register my vehicle so that I can operate it legally. I have also contacted my local DMV for help with this matter, but they are unable to do anything without the vehicle 's title.
Consumer complaint received 2024-02-08
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Associated Credit Services, Inc. (TX)

I receieved a phone call from a gentlemen named " XXXX '' from Associate Credit Services. Phone number XXXX. 

He told me I was delinquent on a debt that I " bounced '' a check with XXXX XXXX. Which is impossible because I don't write checks and dont even have a check book. 
He claimed I had a negative balance ( $ 400ish ) with XXXX XXXX but because they were acquired by XXXX XXXX, Which I don't have any record of at all. I've been trying to access my account since they were acquired and can't even log into my account. I have been unable to gain access to anyone at XXXX that has been able to help me. On their books it appears I don't even owe anything and my accounts been closed. I've attached my end of year tax records they sent me. If I owed them money, why isn't it in there? 

I told the debt collector XXXX, I was not comfortable talking to him any further. I confirmed I am XXXX XXXX and not to contact me, my family, friends or coworkers. I will continue to try to handle this matter with XXXX XXXX. 

He got very threatening, telling me I don't have the money to pay it and I've been trying to get off the phone and avoid the situation. When in fact, I took the call, tried to explain my perspective and all he wanted to do was collect his money today so he gets a cut. 

He was rude, condescending and didn't listen to the facts or details of the case. 
I'm happy to speak to XXXX XXXX but until I do, I'm not paying a random thrid party collection agency.
Consumer complaint received 2020-10-06
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

I demand the following accounts be verified or removed immediately. 

XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX DEPT OF EDUCATION/XXXX
Consumer complaint received 2024-10-10
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: NAVY FEDERAL CREDIT UNION (FL)

I called to get a paydown quote for my HELCO. I could not pay it down via NAVY Federal 's app or website because it would not allow me to pay more than my balance and did not have an option to pay down. PROBLEM 1.

I went to the bank location and paid the full balance in cash on XX/XX/XXXX. The teller would not apply the paydown overage. PROBLEM 2. 

I called the XXXX and paid the additional pay down amount which equaled in {$60.00} on XXXX XXXX. 

Neither payment was applied until XXXX XXXX and I was changed additional interest. PROBLEM 3 The bank did not catch the error even though the teller left clear paydown instructions. PROBLEM 4.

If my balance would not have been 0 I may not have even caught the error. 

This amounts to fraud.
Consumer complaint received 2018-11-12
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Management Corporation (DE)

XX/XX/2018 called receivable management to enquire about debt that was on my credit. Was told it was from XXXX XXXX  XXXX. Was told insurance didnt pay them, called previous insurance company and they said it was paid. The amount they said was XXXX which they were asking for.
Consumer complaint received 2021-03-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: V and H Portfolio (GA)

The name of the company is Vancehuffman. The account was opened XX/XX/2020. The balance they are requesting is {$3000.00}. I have contacted this company by mail and phone complaining that this account isn't mine and to remove it from all my credit profiles immediately. The representatives are extremely rude and they will not send me substantial verification of this account. I have been harassed by countless phone calls from bots also. The last time I contacted them via phone, a manager told me " If I want this to go away I would need to pay and stop complaining ''. Very unprofessional! I have a right to dispute this debt and I will continue to do so.
Consumer complaint received 2024-02-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: TRUIST FINANCIAL CORPORATION (VA)

In late XXXX, my checking account was compromised. I had to change all account numbers. I contacted Truist Bank to explain this and provide the new account number. As my payments were automatically deducted, I was sent a new authorization form. I completed it and returned it. But I made a mistake and, probably because of the way the form is worded, and authorized the bank to take XXXX  the amount of the mortgage. The additional money would go to pay the principle. When I realized this in early XXXX, I contacted the bank to correct the error. The person managed to have the additional payment returned to my banking account quickly. She said I would receive a new authorization form. This never arrived. So I put my mortgage payment on the list of bills I pay through my bank. Instead, on XX/XX/XXXX Truist obtained again XXXX  the amount I want to pay every month. ( See my bank statement attached below ). The problem was not fixed and I will have to spend another day of my life trying to get them to fix it. They are an incompetent and frankly loathsome organization. They do not have enough competent employees and I suspect half are not literate. They have far too much business to do any of it competently.
Consumer complaint received 2021-04-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. ()

I have XXXX credit cards with Citi and our banking relationship spans over 10 years. On XX/XX/XXXX, Citi closed all XXXX existing card accounts without warning. I did not receive any phone call, email or regular mail notifying me that this was happening. I discovered these closures by chance on XX/XX/XXXX, when I logged into the Citi mobile app. 

As a result of these closures, I am unable to re-open my accounts and I also have over XXXX Citi XXXX points that have been unfairly taken away from me. Citi phone reps have also told me that they are unable to re-open my accounts and therefore I will no longer have access my points. 

Upon further reading of the closure letter in-app, I am told that my accounts were closed as " Citi does not allow accounts to remain open with a mailing address outside the United States. '' This should have been an easy fix -- I still have a mailing address in the United States and can easily change this to keep my accounts open.
Consumer complaint received 2024-02-07
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

We moved homes and hired XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. The owner, XXXX, sent his " guys '' over. XXXX asked for cash initially and said any additional money would need to be paid by credit card with a 4 % fee. I showed up with my cash and the move took longer than anticipated, so I was short {$300.00}. I called XXXX and told him I was giving his guys cash ( {$900.00} plus tip ) and XXXX said he would charge my credit card {$310.00}. I gave him the card number over the phone, gave the guys money, they tore off a white piece of paper, gave me the yellow carbon copy, I wrote the amount on the back, and we were done. 

Fast forward a few weeks, I see my credit card is charged around {$720.00}. I called him immediately and asked him if there was a mistake. He VERY clearly told me on the phone that he recalls charging me around {$300.00}. He rummaged through his paperwork and said " okay I charged you XXXX, so that must be correct. '' I said " No, even you recall it being around XXXX. '' He said he would check with his guys and get back to me. In an effort to be proactive, I emailed him and recapped our convo where he said he recalled it being around XXXX. He agreed to this email. XXXX said his guys remembered another number and that the charge is correct. 

I submitted a credit card dispute to Capital One citing I did not authorize the amount. He very fraudulently wrote the {$1200.00} on the white paper with the breakdown of cash versus credit card after I signed. My yellow carbon copy does not reflect these numbers. I am happy to send you the original copy for further inspection. The lady at Capital One said she saw he handwrote it and that its not on my copy, but based on XXXX guidelines, he submitted a " valid '' receipt '' so she couldn't do anything, even though she recognized it was falsified. Capital One asked me for my documentation 3 times, and all 3 times they did not look at it because a " valid receipt '' was submitted. They did not care about the carbon copy. And they could not explain to me what a valid receipt is. I spoke with XXXX managers and none of them could explain it. Why is my carbon copy not a valid receipt but his falsified white copy is valid? Why didn't capital one look at my documents? Why do I need to take this to court because Capital One couldn't resolve it? I did not authorize the higher payment, but Capital One does not seem to care about that part according to the people I spoke with.
Consumer complaint received 2021-04-28
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. (NY)

I XXXX XXXX XXXX XXXX On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX days later i have not received a response yet. I feel like i am being taken advantage of and being ignored of my disputes. Section XXXX ( a ), its stated that a failure to investigate these items within XXXX  days gives a reason to immediately remove those items from my credit report. It has been over XXXX  days so they should be deleted promptly. I demand these accounts 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 2021-04-28
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: SOUTHSTATE CORPORATION (GA)

On XX/XX/21 I attempted to open an account with SouthState Bank. It was for a {$200.00} bonus code under the promotion XXXX. On XX/XX/21, I received an email stating the bank couldnt verify my identity. When I called customer service, XXXX ( the CSR ) contacted account services and they told her I was out of the radius to open an account online. I only live about 7-8 miles from the XXXX, GA location. After I explained that I couldnt visit the branch due to a recent XXXX XXXX XXXX called the branch manager at the XXXX, GA location. The branch manager refused to help me and wouldnt let me make copies of any documents and upload them to an email. They told me they would only allow me to open an account at the branch.
Consumer complaint received 2018-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: OpenRoad Lending (FL)

I received documentation from OpenRoad lending offering to refi my XXXX for a lower interest rate. After I spoke with a representative it was obvious that they could not beat the rate I currently have so I declined the offer. I did expect ONE hard credit pull for this transaction, but there are THREE-two of which I do not recognize nor did I approve.
Consumer complaint received 2018-01-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: WELLS FARGO & COMPANY (CA)

This constitutes an Official Notice in accordance with the Fair Debt Collection Practices Act and the Truth In Lending Act, that I hereby Dispute the debt in the above referenced account. 

It has come to my attention that there may have been some accounting irregularities in this account, which have adversely affected me. In reviewing the account it has come to my attention that fraud and/or other violations of public policy may have occurred in the operation of this account, therefore, I will be conducting discovery to determine the true facts in this matter. This constitutes the exhaustion of my administrative remedy, in accordance with the Administrative Procedures Act, as concerns the above referenced matter. 

This discovery process has been presented under Notarial Seal for the purpose of certifying the admissions, confessions and stipulations of the Parties, to create a public record thereof, via the issue and filing of an Administrative Declaratory Judgment, by Notarial Protest. Said Administrative Declaratory Judgment is issued under statutory authority and under the authority of the Secretary of State, acting as an agent of the Department of State, and carries the power and authority as if issued by the highest court in the land. Said Judgment constitutes res judicata, star decisis, collateral estoppel and judgment by estoppel. 

Please take note that this discovery process has been served under Notarial Seal and valid subpoena establishing your mandatory obligation to timely respond and/or rebut the following, point by point and line by line, verified true, correct and complete, signed, sworn to and notarized in affidavit form and to provide certified copies of the requested documentation. 

Please respond and/or rebut the following points in the attached affidavits and documents, point-by-point and line-by-line, in affidavit form, and provide documentary evidence to support your claim.
Consumer complaint received 2024-02-09
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: NEW YORK COMMUNITY BANCORP INC (MI)

I am writing to request your immediate assistance due to an urgent matter regarding my mortgage account with Flagstar Bank. My home is scheduled for foreclosure on Tuesday, XX/XX/year>. This situation has caused me great distress, and I am diligently seeking to rectify the issue in accordance with the obligations outlined in the Real Estate Settlement Procedures Act ( RESPA ) and the inherent rights bestowed upon me as a homeowner. 

Despite my attempt to resolve this matter with Flagstar Bank, the necessary steps to cancel the foreclosure have not been taken. Also, Flagstar Bank is proceeding with the foreclosure despite my approved assistance from the Michigan Homeowners Assistance Fund, which includes a payment of XXXX 

On XX/XX/year>, I submitted a Notice of Error Resolution to Flagstar Bank, highlighting discrepancies in my mortgage account. I have also applied for a Covid modification to alleviate the situation, but these efforts have not halted the foreclosure process. 

I have the utmost faith in Flagstar Bank 's commitment to their customers and trust in their willingness to rectify any oversight. However, without urgent intervention, I fear my rights as a homeowner and my attempts to rectify the situation may be overlooked.

Therefore, I kindly request the Consumer Financial Protection Bureau 's immediate intervention. I firmly believe that the impending foreclosure may result in unjust enrichment and is in violation of RESPA. I seek your immediate assistance in preventing the foreclosure of my home.

Thank you in advance for your prompt attention to this matter. I am eager to hear from you soon and am hopeful for a favorable resolution of saving my home.
Consumer complaint received 2024-02-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

I am disputing the presence of fraudulent accounts on my credit report, as the banks have confirmed the validity of the provided documentation and agreed to remove these accounts over the phone. Compliance with the law mandates the immediate removal of these fraudulent accounts. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX