davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

You are in violation of 15 USC 1681s- ( 2 ) ( B ) and 15 USC 1681s- ( 2 ) ( E ) Responsibilities of furnishers of information to consumer reporting agencies. A furnisher has a " ( 2 ) Duty to correct and update information '' " A person who ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate '' You have failed to conduct a reasonable investigation within a timely matter and notify me of the results according to 15 USC 1681s ( 2 ) ( E ) Duty of person after receiving notice of dispute. " After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall ( i ) conduct an investigation with respect to the disputed information ; ( ii ) review all relevant information provided by the consumer with the notice ; ( iii ) complete such persons investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 1681i ( a ) ( 1 ) of this title within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section; and ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate
Consumer complaint received 2015-03-26
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO. (FL)

I had a joint account with my husband at Chase which I was the primary account holder. My husband deposited XXXX checks during the month of XXXX XXXX, of {$200.00} each check from an account he had/has in New York with XXXX, under his name alone which he had prior to marry me ( I do n't know if he still has it ). I had no knowledge he was doing that those checks were NSF. On XXXX XXXX, XXXX he wrote a check to himself from our joint account from Chase in the amount of {$1100.00} which made the account to be overdrawn in the amount of {$1000.00}. the account remained NSF until XXXX XXXX, XXXX when I was able to deposit money to cover the overdraft. In the meantime Chase reported me, not my husband, to XXXX " Suspected Fraud Activity '', I understand they could had reported me as NSF account, but the Suspected Fraud Activity was done by my husband with his XXXX checks. Now it shows as paid in full but still my name shows as " Suspected Fraud Activity '' and he has not been reported at all, and this is affecting me and I did n't even had knowledge of this activity. Please help me clear my name from this list. Thank you in advance.
Consumer complaint received 2015-10-01
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Kansas Counselors, Inc. (KS)

KNSCOUNSELORS at XXXX called on XXXX at XXXX XXXX attempting to collect a debt. I told them this was my work and they should not call my work again. They called again XXXX/XXXX/2015 at XXXX ( XXXX ). I again asked them to stop calling or I would report them to the FTC and they said tough.
Consumer complaint received 2015-10-18
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: JPMORGAN CHASE & CO. (CA)

" Within five days after the initial communication with a consumer in connection with the collection of any debt, a Creditor shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing -- ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the Creditor ; ( 4 ) a statement that if the consumer notifies the Creditor in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the Creditor will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the Creditor ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the Creditor will provide the consumer with the name and address of the original creditor, if different from the current creditor. ''
Consumer complaint received 2015-10-19
Product: Debt collection — Non-federal student loan
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Northstar Location Services, LLC (KY)

This is the second time that someone from XXXX has contacted my employer at home. I told them the last time that this was my employer 's home number and that it was unacceptable for them to contact him at his home. They assured me they were going to remove the number and it would n't happen again, but it has. 

How do I fix this?
Consumer complaint received 2024-08-27
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. (WI)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX # XXXX -BALANCE {$2300.00} Unauthorized inquiries XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-03-26
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: JPMORGAN CHASE & CO. (MD)

After being discharged from Bankruptcy in XXXX XXXX, I began receiving messages from XXXX. After listening to a voice mail prompting me to call them back for a legal matter, I returned the call. I spoke to female that said I owed Chase Bank approximately {$2000.00} for a credit card loan I took out in XXXX. I told her that I had filed Bankruptcy and had been discharged and therefore did not owe the debt any longer. The female told me Bankruptcy did n't have anything to do with stealing over {$2000.00} from a credit card and the civil charges they planned on filing. She stated because I did n't pay the debt to Chase, they were going to file Federal Charges in XXXX hours if I did n't come up with the money. The female said that " borrowing money and refusing to pay it back is a Federal Offense ( Grand Larceny ) and I will be prosecuted and I will receive jail time, about 5 years. '' I never had an account with Chase Bank but I was caught off guard by the threat of Federal Charges. I called back and a male answered the phone. I asked for the attorney 's name and number who was handling my file. The male put me on hold and hung up the phone. I blocked the phone number when I realized it was probably a scam. 
This evening ( XXXX/XXXX/XXXX ), I received XXXX back to back calls from the another number, XXXX - XXXX XXXX ( Male who owns the company 's name is XXXX XXXX ). The same female answered the phone. She said her name was XXXX XXXX. She was with " XXXX XXXX ''. She told me that I owed a debt to Washington Mutual from XXXX. I told her I did not, never had an account with them. She went on to tell me that they were going to file Federal Charges against me for stealing money and refusing to pay the debt and I would be arrested. I told her I spoke to her before and this was a scam. She said that she would tell the District Attorney to proceed with the Federal charges and slammed the phone down in my ear. 
Upon investigation, I found the following information : XXXX XXXX XXXX XXXX XXXX XXXX, CA - turns out to be a false address. There is no XXXX, California. This address is valid in XXXX, OH, but it seems to be in the middle of a highway. 
Other consumers have received calls from the following numbers citing the exact same senario - XXXX ( number on website ), XXXX, XXXX ( registered in XXXX, NV ) and XXXX. 
The company 's website gives several ways to contact them for potential clients- XXXX ( main ), XXXX ( fax ), Email addresses - XXXXXXXXXXXXXXXXXXXXXXXXXXXX of this " firm '' has several aliases - " XXXX XXXX XXXX, " XXXX XXXX XXXX, " XXXX '', " XXXX '', " XXXX XXXX XXXX, and his Operator goes by the name " XXXX XXXX XXXX. This is extortion. They appear to be looking up people who have recently been discharged from Bankruptcy and trying to strong-arm them into giving them money using threats and made up accounts that people do n't even owe.
Consumer complaint received 2015-03-24
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: CASHCALL, INC. (AZ)

This was a installment loan from XXXX { the XXXX XXXX XXXX XXXX XXXX } who days later transfered to Cash Call and than Month or two later transfered to XXXX services and after about a year transfered back to Cash Call..all through XXXX I have found out this is preditor loan with super high interest, illegal in Arizona and several other states in the US who are suing these companies ... I understand you { CFPB } also have a lawsuit against them. They have been sending me letters requesting different amounts to pay this loan off.This was an unfair, deceptive and abusive act and practice.Under statutes in Arizona any obligation to pay such loan is rendered void or otherwise nullified in whole or in part by law.
Consumer complaint received 2016-02-26
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (OR)

Capitol One Mortgage claims in XX/XX/XXXX FEMA notified them that my house was now in a flood zone. Told them my house had not moved nor had the river. They did a forced-placed insurance policy for {$3000.00} a year flood insurance, due to me not providing proof of flood insurance for XX/XX/XXXX they again forced-placed flood insurance and added the cost of XX/XX/XXXX and XX/XX/XXXX coverage to my monthly payment in XX/XX/XXXX. Which doubled my monthly mortgage payment. When inquired how they determined my house had managed to move itself into a flood zone they said FEMA notified them and gave FEMA 's XXXX number to inquire myself. I contacted FEMA, who advised that my home was NOT in a flood zone. They did n't understand how Capitol One would think I was. FEMA sent me their maps showing my residence was indeed in the " XXXX ''. Provided the maps to Capitol One who said the maps were n't enough proof, regardless of the fact that the map shows its from FEMA. The required a LOMA. Asked why I had to get an amendment since their was nothing to amend due to my house NOT moving into a flood zone. They did n't care they demanded a LOMA letter before they will consider removing the forced-placed flood insurance. The LOMA takes up to 60 days to get, I filed request on XXXX/XXXX/XXXX. 
The adjusted mortgage payment did n't start until XX/XX/XXXX, I made what I know to be my normal mortgage payment on time, they refuse to credit it to my mortgage because according to them it is n't the full payment. So they have my money and are just " holding it '' Well it 's my normal mortgage payment the part I have n't paid is their insurance payment. I have n't made " my normal '' payment for XX/XX/XXXX yet because I pay on the last day of the month and they are already threatening foreclosure.
Consumer complaint received 2016-02-25
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Back in XXXX when I first purchased my current home, I had a 5 year ARM XXXX and XXXX XXXX. After the interest rates came down, I refinanced the fist loan in XXXX to a conventional 30 year loan at 5.153 % interest per the TILA attached. The payment was supposed to be {$2100.00} for 84 months beginning on XXXX/XXXX/XXXX and then subsequent payments of $ {$2000.00} for 276 months starting on XXXX/XXXX/XXXX. Bank of America is the bank behind this. Despite several requests to Bank of America to refinance the XXXX adjustable rate loan, my requests to refinance both loans into XXXX have gone ignored. Nobody at Bank of America has been willing to go to their investor and agree to refinance the loan. 

Now, working on my taxes for the year I decided to look at my TILA from XXXX and my current mortgage statement and as can be seen the payment is {$2100.00} which is nowhere near the {$2000.00} that I was supposed to have started paying back in XXXX of XXXX. Moreover doing a straight amortization, my balance should be {$320000.00} instead of the {$340000.00} balance shown on my XXXX XXXX, XXXX statement that I have also attached. So, essentially, there is {$17000.00} unaccounted for. And, upon questioning Bank of American to explain themselves for this discrepancy, again, my phone call hve gone unanswered and thus the reason I am coming to you for some assistance.
Consumer complaint received 2015-11-19
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: HOVG, LLC (NM)

I went to the ER XX/XX/2014 and am completely covered by XXXX because I am in the military. But I have been getting mail sent to my home in New Mexico about me owing money for it. I contacted the hospital and I do n't owe anything to them. But other debt collecting companies continue to send me mail saying the debt I owe is increasing. Also, my credit went down from about XXXX to low XXXX. I tried calling one of the companies a few times with no answer, and no reply to my voicemails.
Consumer complaint received 2015-06-06
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I was contacted by a Law firm by a man named XXXX XXXX, stating they were from XXXX and XXXX Law Firm and they stated I was being sued by Bank of America. I told them the debt was not mine and that it was opened in my name when I was XXXX or XXXX years old by my parent. He stated that we could settle the debt for {$1500.00} if I paid now with XXXX percent down to avoid going to court or we can make monthly payments of {$150.00} and pay a balance of {$3100.00}. I told him I would call him back after speaking to my parent. I then contacted Bank of America and spoke with a representative. She stated that there was no one from Bank of America that was suing me and that they sold the debt to a company called XXXX XXXX. She told me it was sold in XXXX 2009 for the amount of {$1500.00} and that again, there was nothing in her records that said that Bank of America is suing me. I read on the statute of limitations in the state of XXXX and XXXX that I can not be sued for this because this is an open-end credit card and the statute of limitations has ran out. I feel harassed by this company for using scare tactics to collect a debt that I feel is not mine and harassing my other family members by calling them multiple times.
Consumer complaint received 2015-12-08
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I was approved for a loan modification in XX/XX/XXXX in which an error was made on XXXX of the notary pages. Bank of America did not notify me of this error as they mistakingly sent correspondence intended for me ( who is located in New Jersey ) to another customer located in Florida. This correspondence was to inform me of this notary error so that I could fix the mistake and complete my modification. The representative handling my modification assured me via telephone numerous times that modification was indeed approved, as well as over XXXX different BOA representatives during the five months following the signing of these documents. I continued to make all of my mortgage payments every month, never missing any, and in XX/XX/XXXX, I was served with a foreclosure complaint stating that I never had a loan modification and I had defaulted as of XX/XX/XXXX ( since I had only paid the modified amount ). I have previously contacted the XXXX and CFPB regarding this, who have directed me to BOA and their only solution is that since I have entered into another modification, that this should be sufficient. It is not, since there is still a foreclosure action on my credit report that should have never been filed since my mortgage should have had been in a modification and had BOA not erroneously sent my documents to the wrong address, my modification would have been intact and the payments were made. I want the foreclosure removed from my credit report and I want a Notice of Recission from Bank of America that I can give to my creditors. All of my credit card companies have lowered my credit limits, and I needed a co-signer to obtain a new vehicle when my previous lease ended. My FICO score has dropped nearly XXXX points and I have no other negative items on my report other than this. Even before this foreclosure action, and with the modification, I only missed XXXX mortgage payment since the loan 's origination so my credit was not adversely affected prior to this foreclosure.
Consumer complaint received 2015-10-01
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: STERLING JEWELERS, INC. (SC)

I received a voicemail about a debt from 9 years ago from a respresentative stating to work for XXXX XXXX XXXX number XXXX XXXX XXXX XXXX. Unsure of the debt I contacted the phone provided and was informed that they were suing me for a debt I apparently owed in 2008 to Kay Jewelers for {$2000.00}. After informing them that I had no knowledge of the debt or have I received any communication of the debt, he informed me that I could no longer challenge whether the debt was actually mind. He then gave me XXXX options to pay the debt. I refused stating again that I can not pay for something I do not owe. He then threated that I was being sued and that my wages would be garnished. Before I could ask any more questions, the representative stated, " Good luck in court '', before hanging up.
Consumer complaint received 2015-07-28
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (CA)

On XXXX XXXX I called Santander at XXXX PST to obtain the outstanding balance of all late payments and fees. The balance I was provided was {$770.00} and some change. That same day I made a payment of {$1400.00} to cover all outstanding amounts and make the payments for XXXX & XXXX XXXX {$310.00} each ). On XXXX XXXX I received an email receipt of the payment made and called to confirm that my XXXX payment was {$310.00}. I was notified by their automated system that the payment due for XXXX was {$410.00}. I called Santander to determine why and they stated the payment was not sufficient to cover all of XX/XX/XXXX payment. I asked for a detailed breakdown of payments, balances, late fees to prove their claim. What they provided did not answer my question but did result in additional questions. 

Santander initially refused to stop Autodialed calls to my cell without written notification. Santander charges $ XXXX {$15.00} for online/phone payments. 
Santander charges {$10.00} for late fee and another {$25.00} to delay a single months payment.
Consumer complaint received 2015-12-09
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CREDIT ACCEPTANCE CORPORATION (LA)

I settled an auto repossession debt from 2010 ( i gave the car back because it stopped working because it was a flood damaged vehicle from Hurricane XXXX ). I paid the settlement amount to Credit Acceptance and they acknowledged receipt, and that the debt has been settled. The problem is I am trying to purchase a home and I need to have my credit report updated ASAP to reflect this information and Credit Accept refuses to release the information to XXXX XXXX. Despite the fact that I have authorized them to release the information. Every time XXXX calls them they refuse to release the info and I am told by the credit report people that Credit Accept is refusing to respond to electronic requests to update the information. This does not seem fair especially in light of the fact that the automobile was defective in the first place, and they said they would accept the car back to satisfy the debt ( but then they wound up putting a collection on my credit report ). When i call Credit Acceptance to complain they say they will cooperate with XXXX, but when XXXX calls they refuse to cooperate. I feel that Credit Acceptance is acting in bad faith.
Consumer complaint received 2015-10-04
Product: Bank account or service — Cashing a check without an account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (IL)

I was issued a checked by my employer that was drawn off a Wells Fargo bank account. I went to the bank to cash it at the Wells Fargo location on XXXX in XXXX, IL. The personal banker left me sitting for over an hour to come back and tell me they have never seen a check And the check was fraudulent. I said how can you say that? He said we are confiscating this check for further review but as it stands it 's not real. I was treated like a common thief. I was made to feel because I was XXXX XXXX that I could n't possibly be cashing a XXXX check. He gave me his card I emailed my employer and the company that is our payroll processor and included him on the email to them about the incident. They all replied the check was a valid check and not sure why Wells Fargo treated me the way they did. All week I never heard from WF even though they were on the emails regarding the chk. My employer went ahead and stopped pay on the check to get the funds to me and reissued as a direct deposit. I get an email today from a manager telling me in an email that they reviewed the check and that the check had a stopped pay on the check. He was implying I brought the check in when I knew it had a stop pay on it. That just was n't the case the check did not get stopped until after I notified my employer of the foul treatment and WF keeping the check and still a week later still implying I am a common thief.