davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-22
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (TX)

MY HOUSE WAS FLOODED IN HURRICANE HARVEY.  CHASE BOUGHT THE FLOOD INSURANCE BUT DID BUY FOR THE CONTENTS. WHEN I CALLED TO ASK THEM WHAT WAS COVERED SO I COULD BUY ADDITIONAL CONTENT INSURANCE. THEY WOULD NOT TALK WITH ME BECAUSE THEY SAID I WAS NOT ON THE LOAN WHICH WAS NOT TRUE I HAD SENT THEM ALL THEM ALL DOCUMENTS WHEN MY MOTHER IN LAW PASSED TO SHOW MY HUSBAND AND I WERE SOLE OWNERS OF THE HOUSE. SO I LOST EVERYTHING IN THE HOUSE BUT SMALL ITEMS AND SOME CLOTHES AND LOTS OF XXXX COLLECTABLES. THEY HAD LOST NUMEROUS PAPERS I FAXED TO THEM SHOWING THIS. IT TOOK FROM XX/XX/XXXX TO XX/XX/XXXX FOR A LADY IN SOLUTIONS TO FINALLY FIND THE RIGHT PAPERS SO I COULD COMUNICATE WITH THEM. I GOT A PAYMENT IN MAIL AND IT HAD GONE DOWN {$300.00} SO I CALLED TO FIND OUT WHY AND WAS TOLD THE LAST GUY THAT CAME OUT THERE SAID THE HOUSE WAS UNINSURABLE. WAS TOLD TO WRITE A LETTER, WHICH I DID TWICE BOTH 3 TO 4 PAGES LONG AND TOLD THEM I WOULD SURRENDER THE HOUSE IF THEY WOULD GIVE {$10000.00} TO HELP COVER SOME OF MY SMALL LOOOSES. THEY KEEP DENING ME AND THEY NEED TO COVER THEM SINCE THEY MADE THE MISTAKE FROM THE START.. THE CHECK IS FOR XXXX AND HAVE IT IN AN ESCROW AND HAVE ADDITIONAL ESCROW OF XXXX. THERE IS A MORTGAGE ON IT WHICH THE HOUSE IS NOT WORTH NOW. MIGHT 20 TO 25,000 NOW WITH THE DAMAGE. THEY CAN GIVE THE XXXX AND STILL BE AHEAD AND MAKE UP THE XXXX, XXXX WHEN THEY SELL PROPERTY AFTER HOUSE IS GONE. I HAVE GOT RUN AROUND AND PASSED FROM ONE TO THE OTHER AND TOLD LIES TO GET ME OFF THE PHONE. MY ORIGINAL ADJUSTER SAID HE WOULD NOTIFY THEM AND ASK THEM TO SEND CHECK BACK TO HIM AND HE WOULD REISSUE THE CHECK TO ME. BUT THEY SAID NO,. WE ARE NOW IN HURRICANE SEASON AND HAVE HAD BAD RAINS AGAIN AND PART OF THE ROOF HAS CAVED IN ALREADY AND IT HAS SEVERE STRUCTURE DAMAGE AND CRACKS INSIDE HOUSE AND HAD WATER ALL THROUGH HOUSE. THERE ARE RATS IN HOUSE NOW THAT HAVE COME IN AND BEES. I HAVE TALKED TO ISURANCE CLAIMS, HAZARD DEPT, AND MORTAGE DEPT AND BEEN ON THE PHONE ALL XXXX WITH THEM TRYING TO GET THIS RESOLVED. CALLED CORPERATE AND GET NO HELP THERE EITHER JUST PASS THE BUCK AGAIN. THEY NO NOTHING ABOUT CUSTOMER SERVICE ALL I WANT IS TO BE TREATED RIGHT AND GET CLOSURE. THEY TELL YOU WHAT TO DO AND WHEN YOU DO YOU FIND OUT YOU HAVE WATED YOUR TIME.
Consumer complaint received 2018-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PRESTIGE FINANCIAL SERVICES INC (CO)

I purchased a XXXX XXXX from XXXX XXXX XXXX XXXX. The car had a fire and was deemed a total loss on XX/XX/XXXX. My insurance company XXXX paid the total loss claim of {$6100.00} on XX/XX/XXXX. 

Prestige Financial was the lienholder. I had purchased a Gap policy when I purchased the car. Prestige refused to pay the Gap claim and attempted to sue me for the residual balance. 

I went to court in XXXX County regarding this matter in XX/XX/XXXX. I filed a complaint with the XXXX State Insurance Commission and the XXXX  Insurance Board for refusal to honor the GAP policy. 

XXXX issued a payment in the amount of {$2200.00} to Prestige Financial. Prior to XX/XX/XXXX, I paid XXXX. Additionally I made payments of {$500.00} XX/XX/XXXX, {$250.00} XX/XX/XXXX through XX/XX/XXXX. XX/XX/XXXX my paycheck was garnished in the amount of {$860.00}, XX/XX/XXXX {$860.00}, and XX/XX/XXXX {$870.00}. 

The total amount paid to Prestige is {$24000.00} between my payments, XXXX payments and GAP insurance. 

The creditor is reporting on XXXX as a collection on my credit report. This is negatively affecting my credit report I have made numerous attempts to resolve with the company as well as to dispute on my credit report. The collection was updated on XX/XX/XXXX.
Consumer complaint received 2018-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MA)

Also, I would like to be provided proof I consented to TO ANY/ALL hard inquiries via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately : Company Information : XXXXXXXX XXXX XXXX XXXXXXXX : : Date of Inquiry : XX/XX/XXXX Company Information : XXXXXXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX XXXX  : : Date of Inquiry : XX/XX/XXXX This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my SSN. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
Consumer complaint received 2018-06-21
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Seattle Service Bureau, Inc (CO)

yes i am a XXXX Veteran and was seen for XXXX XXXX  problems at XXXX XXXXXXXX XXXX XXXX in XXXX Utah after receiving help i stayed in constant communication with there billing Department to make sure the bill was taken care of witch it was, ,today i checked my credit score it had dropped 100 points due to a collection that was incurred during my stay from a physician that at sometime i had seen i had no idea that i owed any body anything when i contacted XXXX XXXX billing they simply stated that i had signed something i explained that i was provided a ride for a local police dept and that i could barley remember anything and that i was under a great deal of stress at the time this certainly seems as unfair billing practices
Consumer complaint received 2018-06-21
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc. (GA)

Ive been struggling with this car note. I XXXX XXXX and am building a business for myself. Business has been slow, but Ive been working on paying the bill. XX/XX/XXXX, I paid one and one-half month 's car note to start playing catch up. On XX/XX/XXXX, I called Santander to see if there is ANY relief, even if temporary, with the 25.92 % interest rate, as Im not making any progress on the principle. I'm told " no ''. I tell the rep I will only be two payments behind, which should avoid repo status, so I will follow up next month. Im struggling XXXX XXXX, which is how I earn money. On XX/XX/XXXX, early in the morning, after driving all night, Santander 's repo contractor came and go the car. Unlike with foreclosure, there is no warning. On the previous time i spoke with Santander, I was not up for repossession. PLUS, when the account went up for it, no one notified me. That didnt have to be that way. What if I had been out in public and became stranded? Regardless of wanting to help me keep the car, which I owe $ XXXX for after buying it for $ XXXX and paying over $ 10k towards in just interest and fees, I know more could have been done. Despite a couple of granted extensions to reduce delinquency, the law should FORCE ALL lenders to follow the mortgage protocol when loans default. Two payments past due should not warrant a repo, especially with no notice. The worst part is I just put over {$2000.00} worth of work in the car for battery, rack and pinion, tires, inner tire rods, and more. Plus, Santander KNEW IT!! Even worse, when my rent was WAY behind because I was working but income slowed down, I kept it updated monthly.
Consumer complaint received 2018-06-21
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Waypoint Resource Group, LLC (NC)

In XXXX of 2017, I have made several attempt to cancel my XXXX plan. I had to file a complaint with XXXX because CS was horrible and refused to cancel my services.They wanted me to cable boxes with me when I moved to North Carolina. Unfortunately, there was no XXXX available in my new area! After complaint was filled with XXXX, I received a call from a male who had apologized for my experience and decided to have someone on the last day of move to pick up boxes. Plus, was told they will credit my account. I never received a bill after that but was notified by my Collection agency XXXX XXXX with a balance of {$320.00}. Sometime in XXXX, I immediately called XXXX XXXX for removal and updated bill. They stated they never had my new address and that is the reason why a bill was not sent to me. The collection was dropped and new address was given to them. As of XXXX I did not receive any notification but have seen new collection with Waypoint for XXXX. Even though the collection amount was wrong, I decided to pay it off and continue to work with XXXX for refund. FINALY, I have received refund and have send to all credit bureaus, XXXX, XXXX and XXXX for removal of inaccurate collection.
Consumer complaint received 2018-06-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: JPMORGAN CHASE & CO. (NJ)

On XX/XX/XXXX I attempted to buy tickets from somebody through the XXXXXXXX XXXX XXXX service that Chase Bank offers. I split the purchase into two separate payments so that I would receive my purchased tickets before paying the full amount. After receiving what looked to be legitimate tickets, I sent the remaining amount. After trying to contact the sender regarding an incorrect date placed on the tickets after further review, I received no response and had my number subsequently blocked from calling him. I immediately tried to contact XXXX to cancel the payment. They told me that I needed to call Chase as they can not help me. I then called Chase Bank and was told that I would need to start a claim. I started the claim on XX/XX/XXXX and was told that I would receive a response in 3-5 days. After receiving a letter in the mail on XX/XX/XXXX claiming that Chase identified the transaction as valid and could not refund me any money, I attempted to investigate further and call their claim department. I was told that there was nothing they could do since the transaction was initiated by me. They said I could try to contact XXXX for further assistance, which I subsequently did. XXXX once again told me there is nothing they can do and that I have to settle this with Chase. After calling the Chase Bank claims department, I asked to speak to someone about my claim who could give me further information about the investigation conducted. I was told that their investigation process involves trying to contact the receiving bank which they were not able to do successfully and thus can not refund me any money, even though this was a criminal act. I will be filing a police report since Chase Bank is unable to assist their customer with his scammed money.
Consumer complaint received 2018-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TOYOTA MOTOR CREDIT CORPORATION (MA)

I went to XXXX XXXX Dealer in XXXX, MA XXXX as a Co-Signer/Applicant and filled/signed only one credit application form from XXXX XXXX XXXX XXXX allowing they to check my credit report/score and see if I can help a family/friends to start their own credit leasing a new XXXX XXXXXXXX XXXX. But today I was checking my credit report and realized they did many Hard Inquires! Details : XXXX : 1 time using the dealer 's name on XX/XX/XXXX and 1 time again on XX/XX/XXXX using the dealer 's name and then 1 time using the TMCC " Toyota Motor Credit Corporation '' on XX/XX/XXXX. plus XXXX  : They checked 2 times using a different dealer name called " XXXX XXXX XXXX '' .on XX/XX/XXXX and then again on XX/XX/XXXX. I don't know yet about the XXXX  if they checked there too. So, Is this right? Can they keep checking my credit as many time they want? I don't think so. Could you help me please? Thank you, XXXX
Consumer complaint received 2018-06-21
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (CT)

After several times of contacting Experian to investigate these negative accounts, they have yet removed them off my credit report. I asked them plenty of times to verify that the account was mines by sending over the original contract, invoices, or any other legal documents that proven the alleged debt is mines. I also asked for the name, address, and telephone number of each person who personal verified the alleged accounts. Because a employee looking at a computer screen seeing my name on a list in the database is NOT verifying or validating a alleged debt. Also there are a lot of inaccuracies with these negative accounts that do not make sense. Under federal lawsuit XXXX v. XXXX XXXX XXXX 1997, Experian must contact original creditor to investigate and resolve the issue, not me. Attached is the response from Experian for the alleged debt and my dispute letters that highlights the inaccuracies with the account. This will be my last attempt to contact Experian and if the accounts are not deleted I will be forced to take them to small claims court.
Consumer complaint received 2018-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Concord Servicing Corporation (GA)

I pulled my credit report from XXXX. XXXX XXXX XXXX is showing inaccurate information for timeshare maintenance fees. There is no account number on the report and the amount owed is questionable. Upon my research, I also found out that the creditor must report both positive and negative information. This report clearly does not.
Consumer complaint received 2024-12-03
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NRA Group, LLC (DE)

NTL Recovery Agency reported on my credit report On XX/XX/year> that I owe a debt of {$3700.00}. Upon contacting them to get information in regards to this collection since there was none listed on my report, just the collection company it was stated from the rep that it was transferred to them from XXXX as you can see in my previous report, which was another collection agency from XXXX XXXX. I have been dealing with XXXX XXXX since collections has been placed on my report and each time I have to dispute this and here I am again. This collection is almost eight years old from what I have been told and recently started appearing again on my credit report after each prior collection agency returned it back to XXXX XXXX as they constantly try to collect on a fraudulent account as well as list this in my report. I have reported not only to my credit bureau each time and they all get removed/ I have told XXXX each time this is not my account, nothing has been sent nor delivered to me for almost 8 years. Upon calling this new collection agency, they had explained that I need a police report. As you can see from my previous complaint, the other collection agency sent my account back to XXXX. Every year it seems as if a new collection agency is trying to collect on this loan of eight years per the new collection company. I am furious as I have done everything possible to get this removed from my report and to not appear on my report every single year. This is not nor has it ever been my account. The rep stated there are a lot of people with my name, etc yet the addresses does not match any address when I asked the address on file. I have never lived at the address they have on and all they do is update it when they ask for a new address.
Consumer complaint received 2024-11-22
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (NJ)

I was working with someone who I thought was a condo owner in XXXX. I found this person in a private XXXX vacation group on XXXX. They provided me what looked like an authentic contract for the vacation week along with a contact phone and email. They sent me photos of the property. They asked for a deposit to hold the week ( for XXXX of XXXX ). All of this seemed fine until they asked me to send the funds through XXXX to a person with a different name. They said it was a relative because they didn't have XXXX and because I insisted on using a credit card so that I would be backed in case there was an issue, they offered this solution for XXXX as they accept credit cards. In the middle of the transaction, I started to suspect this was a scam and I called the credit card right away to let them know. The transaction on XXXX said 'still processing ' when I called. I told them that it was fraud but I thought the only method to handle was through dispute. They took my dispute info right away. I then got XXXX follow up calls where the representative asked me questions. I find out today that they dispute was not approved and I am on the hook for {$XXXX}. I did not get any service for this and the person I was working with since took themselves off of XXXX. I have been a customer of Citi for a long time so this is unacceptable. I did everything right. 

The date of the transaction was XX/XX/XXXX for {$XXXX}. I would like to complain that Citi is not handling this correctly as I was very prompt in reporting this.
Consumer complaint received 2018-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

this account belong is a fraudulent its not mine belong someone else I didn't authorize to this merchan DISPUTE XXXX XXXX XXXX Account Number XXXX Account Type Collection Terms 1 Month Date Opened XX/XX/XXXX Account Status Closed Payment Status Late Payment Status Details Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status Updated XX/XX/XXXX Balance {$440.00} Balance Updated - Credit Limit - Past Due Amount {$440.00} High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX XXXX, XXXX, WA XXXX Ownership Joint Account   Original Creditor XXXX Company Sold-to - Original Amount {$440.00} Comments
Consumer complaint received 2018-06-21
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Lendmark Financial Services (SC)

On XX/XX/XXXX I took out a loan from XXXX XXXX XXXX XXXX XXXX branch located at XXXX XXXX XXXX XXXX # XXXX XXXX, SC XXXX ( XXXX ) XXXXfor a very close friend ( XXXX XXXX ) at the time who asked me to help him by getting a loan to help him because his credit was not good enough to take out a loan in his name and that he would pay the loan payments on time and if I could do this for him it would releive some of his financial stress for the thing 's that required prompt attention. I was not able to loan XXXXXXXX XXXX the money because financial I just didn't have it drowning in my own finances. I finally said yes because of my compassion to help other in their time of need in any way that I could and put my trust and faith in XXXXXXXX XXXX to keep his word on our verbal agreement/contract to never be 30 days and don't have lendmark call my job and he verbally agreed and promised to do as I asked which was discussed while at the Lendmark location with the loan officer.  The Branch Manager XXXX and loan officer XXXX were aware that this loan was solely for XXXX XXXX but needed my my credit to obtain the loan. I have received numerous phone calls, voicemails, and correspondence by mail in reference to late payment. The branch has been kind and helping with a solution to this problem by deferring payments and waving late fees due to XXXXXXXX XXXX being in breach of our verbal contract. It was stated to XXXXXXXX XXXX that I could afford him not making the payments on the loan, because I could not financially afford it. I travel for work up until I start my XXXX XXXX for XXXX XXXX and will no longer be able to work full-time. While between travel assignments I don't get paid and to gain the extra financial strain of this loan payment is overwhelming and unaffordable for me with everything else I'm already burdened with financially is causing me physical and mental distress. XXXXXXXX XXXX has been paying the loan since XXXX up until XXXX XXXX and just stop responding to Lendmark 's phone calls and my phone calls and text and just think that it's ok to just not pay his loan in my name because he used the money not me it was for his expenses not mine and I'm hurt and disgusted because I'm doing my best to maintain my credit so that one day I can be a first time homeowner like many others, but don't feel that the good deed I did that I should bear the burden, because they breached and violated the verbal agreement/contract to pay this loan. I would really love to have resolution from this issue and I'm begging for this loan to be forgiven because I just can't afford it and it's ruining my life with the constant phone calls and crying because I need my credit and digging myself deeper in debt by neglecting my financial responsibilities to address this loan that only belongs to me by name. I really need some help and resolution. I thank you for your time and patience and pray that things will work out for XXXX 's glory.
Consumer complaint received 2018-07-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (DC)

After not paying my taxes for a year and half, they finally paid the taxes. This sent my Escrow account into the negative, which is understandable. They sent me a letter with the option to pay the escrow deficiency of {$10000.00}. The letter came with a coupon, which I returned with a check for {$10000.00}. This was posted to my account as a payment and the remaining went into principle. I called three times to get this correct before XX/XX/XXXX so I could make my XXXX payment at my original amount. Each time I was promised it would be correct and applied to my escrow account. It is still not corrected.